The Frugal Fiduciary Small Business 401(k) Blog
Get the latest industry news, deadlines and tips you need to know to help tackle your fiduciary responsibility needs.
![The DOL’s Fiduciary Rule: Why Can’t Regulators do Simple?](http://www.employeefiduciary.com/hubfs/blog-files/maze.jpg)
The DOL’s Fiduciary Rule: Why Can’t Regulators do Simple?
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By: Eric Droblyen
June 17th 2015
DOL regulations make it difficult for small business 401k plan sponsors to meet their fiduciary responsibilities.
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![401(k) Participants Should Leave Investing to the Pros; Focus on Saving](http://www.employeefiduciary.com/hubfs/blog-files/saving-for-retirement.jpg)
401(k) Participants Should Leave Investing to the Pros; Focus on Saving
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
June 3rd 2015
401k participants should focus on savings when determining their retirement readiness. Leave 401k investing to professionals.
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![Is Conflict-Free Investment Advice More Expensive than Conflicted Advice?](http://www.employeefiduciary.com/hubfs/blog-files/conflict-of-interest.jpg)
Is Conflict-Free Investment Advice More Expensive than Conflicted Advice?
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
May 20th 2015
Opponents of the DOL Fiduciary Rule say conflict-free 401k investment advice is cost prohibitive; they are wrong.
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![“Bundling” 401(k) services with other corporate services can result in fiduciary liability](http://www.employeefiduciary.com/hubfs/blog-files/bundling-401k-services.jpg)
“Bundling” 401(k) services with other corporate services can result in fiduciary liability
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
May 6th 2015
Small business retirement plan sponsors have a duty to avoid conflicts of interest and self-dealing.
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![Watered-Down Fiduciary Rule May be the Best Case Scenario for Investors](http://www.employeefiduciary.com/hubfs/blog-files/watered-down-money.jpg)
Watered-Down Fiduciary Rule May be the Best Case Scenario for Investors
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
April 22nd 2015
DOL Releases Their Long-Awaited Fiduciary, or “Conflicts of Interest,” Rule.
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![Online 401(k) fee analyzers are a marketing gimmick; fiduciaries and participants should avoid them](http://www.employeefiduciary.com/hubfs/blog-files/evaluate-401k-fees.jpg)
Online 401(k) fee analyzers are a marketing gimmick; fiduciaries and participants should avoid them
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
April 8th 2015
It’s important for a 401k fiduciary and participants to understand the significant limitations of online 401k fee analyzers.
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![Beware of Surrender Charges and Other Extraordinary 401(k) Fees Charged by Insurance Companies](https://www.employeefiduciary.com/hubfs/blog-files/beware-surrender-charges.jpg)
Beware of Surrender Charges and Other Extraordinary 401(k) Fees Charged by Insurance Companies
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
March 25th 2015
Insurance company variable annuity products are bad for both small business retirement plan sponsors and 401k participants.
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![Jerry Schlichter Interviewed by Frontline; 401(k) Sponsors Should Take Note](https://www.employeefiduciary.com/hs-fs/hub/227641/file-2589582836-jpg/blog-files/401k-sponsors-300x194.jpg)
Jerry Schlichter Interviewed by Frontline; 401(k) Sponsors Should Take Note
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
March 11th 2015
Jerry Schlichter Interviewed on Frontline; Tibble vs. Edison case may change 401(k) investment monitoring standards.
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![DOL’s Fiduciary Rule Advances to OMB; Not Everyone is Happy about It](https://www.employeefiduciary.com/hs-fs/hub/227641/file-2589582776-jpg/blog-files/fiduciary-rule-300x200.jpg)
DOL’s Fiduciary Rule Advances to OMB; Not Everyone is Happy about It
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
March 4th 2015
Why the DOL’s Fiduciary Rule is good news for small business retirement plans.
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![Target Monthly Income and not an Account Balance When Saving for Retirement](https://www.employeefiduciary.com/hs-fs/hub/227641/file-2589582731-jpg/blog-files/saving-for-retirement-300x200.jpg)
Target Monthly Income and not an Account Balance When Saving for Retirement
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
February 25th 2015
Income replacement should be the target when saving for retirement
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