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.
![401(k) Plan Design Choices to Simplify Annual Admin the Most](https://www.employeefiduciary.com/hubfs/blog125%20%281%29-1.jpg)
401(k) Plan Design Choices to Simplify Annual Admin the Most
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
December 6th 2022
Proper 401(k) plan design can reduce the time employers must spend on annual plan administration by hours. We outline the simplest options to administer.
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![How 401(k) Participants Can Match the Federal TSP's Low Fees](https://www.employeefiduciary.com/hubfs/interstate%20sign%20for%20wealth%20exit%20by%20choosing%20the%20right%20investments%20in%20your%20401%28k%29%20plan.jpg)
How 401(k) Participants Can Match the Federal TSP's Low Fees
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
November 8th 2022
The Federal TSP is the lowest cost defined contribution plan in the US. Employers can help their 401(k) participants pay similar fees by taking two simple steps.
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![Pooled 401(k) Plan Fees – A Case Study](https://www.employeefiduciary.com/hubfs/shutterstock_597585194-1.jpg)
Pooled 401(k) Plan Fees – A Case Study
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
October 25th 2022
We compared the 401(k) fees paid by pooled and single-employer plans. The pooled plan costs more due to a higher percentage of asset-based fees.
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![The Ideal 401(k) Plan for Employees and Employers](https://www.employeefiduciary.com/hubfs/Shutterstock_748697521-1.jpg)
The Ideal 401(k) Plan for Employees and Employers
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
October 11th 2022
The ideal 401(k) plan helps employees and employers meet their respective goals at the lowest cost. To achieve one, employers must understand their features.
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![401(k) Contributions - What Workers Need to Know](https://www.employeefiduciary.com/hubfs/chub_backup/shutterstock_380301673-2.jpg)
401(k) Contributions - What Workers Need to Know
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
September 27th 2022
401(k) plans can offer dramatically different employee and employer contribution options. Workers should understand their plan’s options to not miss out.
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![The 415(c) Limit For 401(k) Plans – FAQs for Employers](https://www.employeefiduciary.com/hubfs/shutterstock_613121831-1.jpg)
The 415(c) Limit For 401(k) Plans – FAQs for Employers
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
September 13th 2022
The 415(c) limit caps the “annual additions” a 401(k) plan can allocate to participants each “limitation year.” To avoid violations, check out our FAQ.
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![The Top 401(k) Priorities on the DOL’s Regulatory Agenda](https://www.employeefiduciary.com/hubfs/shutterstock_390178585-1.jpg)
The Top 401(k) Priorities on the DOL’s Regulatory Agenda
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
August 30th 2022
The DOL's latest regulatory agenda includes 401(k) reform. I recommend 401(k) fiduciaries check it out to learn the DOL's priorities.
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![Morningstar's Active/Passive Barometer – Takeaways for 401(k) Fiduciaries](https://www.employeefiduciary.com/hubfs/Shutterstock_566242693-1.jpg)
Morningstar's Active/Passive Barometer – Takeaways for 401(k) Fiduciaries
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
August 16th 2022
401(k) fiduciaries can struggle to choose between active or index funds when picking plan investments. The Morningstar Active/Passive Barometer can help.
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![Pew Finds Rolling a 401(k) to an IRA can be a Costly Mistake](https://www.employeefiduciary.com/hubfs/Shutterstock_2059461452-1.jpg)
Pew Finds Rolling a 401(k) to an IRA can be a Costly Mistake
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
August 2nd 2022
A Pew study found investment expenses in IRAs to be higher than 401(k)s and the difference can cost an investor tens of thousands of dollars in retirement.
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![Is Your 401(k) About to Lose Solo Status? Here’s How to Prepare](https://www.employeefiduciary.com/hubfs/Shutterstock_789181828-2-1.png)
Is Your 401(k) About to Lose Solo Status? Here’s How to Prepare
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
July 19th 2022
Preparing a small business 401(k) plan to lose its solo status is not complicated. Here’s what you need to know to smoothly transition your plan.
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