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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.
Roth 401(k) Contributions — Answers to Common Questions

Roth 401(k) Contributions — Answers to Common Questions

By: Brian Furgala

May 9th 2023

Historically, low income tax rates make Roth 401(k) contributions more affordable than ever. This FAQ can help you decide if they are right for you.
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401(k) In-Service Distributions – New SECURE 2.0 Options

401(k) In-Service Distributions – New SECURE 2.0 Options

By: Brian Furgala

April 25th 2023

Discover how SECURE 2.0 expands 401(k) in-service distribution options for emergencies, terminal illness, domestic abuse victims, and long-term care premiums.
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401(k) Eligibility: When to Let Employees Join Your Plan

401(k) Eligibility: When to Let Employees Join Your Plan

By: Eric Droblyen

April 11th 2023

Company goals, employee demographics, and plan features are all factors small businesses should consider when choosing 401(k) eligibility terms.
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401(k) Required Minimum Distributions – What You Need to Know

401(k) Required Minimum Distributions – What You Need to Know

By: Brian Furgala

March 28th 2023

Failing to take required minimum distributions from your 401(k) can result in tax penalties. Understanding the RMD rules can keep you safe.
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Automatic Enrollment – Is It Right for Your Small Business 401(k) Plan?

Automatic Enrollment – Is It Right for Your Small Business 401(k) Plan?

By: Brian Furgala

March 14th 2023

Learn the 3 options of automatic enrollment in a 401(k) plan and decide which is right for your business. Plus, read the latest changes from SECURE 2.0.
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Small Business 401(k) Tax Credits – SECURE 2.0 Updates

Small Business 401(k) Tax Credits – SECURE 2.0 Updates

By: Brian Furgala

February 28th 2023

Discover three small business 401(k) tax credits that can help lower the out-of-pocket cost of starting a small business retirement plan. Plus, read the latest changes due to SECURE 2.0.
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Three Features of a FIRE-Inspired 401(k) Plan

Three Features of a FIRE-Inspired 401(k) Plan

By: Eric Droblyen

February 14th 2023

Financial Independence, Retire Early (FIRE) is a financial movement defined by frugality. A FIRE-inspired 401(k) plan can help any worker retire years sooner.
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SECURE 2.0 – My Top 5 401(k) Related Provisions

SECURE 2.0 – My Top 5 401(k) Related Provisions

By: Eric Droblyen

January 31st 2023

SECURE 2.0 makes sweeping 401(k) plan changes. My top five provisions will grow retirement savings the most. Banning hidden fees would help even more.
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SECURE Act 2.0 – A Summary of the Major 401(k) Provisions

SECURE Act 2.0 – A Summary of the Major 401(k) Provisions

By: Eric Droblyen

January 17th 2023

SECURE 2.0 makes sweeping changes to 401(k) plans. Employers should understand the most significant provisions to prepare their 401(k) plan for them.
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The Top Ten Frugal Fiduciary 401(k) Blogs of 2022

The Top Ten Frugal Fiduciary 401(k) Blogs of 2022

By: Eric Droblyen

January 3rd 2023

Our top 10 blogs for 2022 are must-reads for small business 401(k) sponsors and participants. They cover controlled groups, testing, and plan administration.
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