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) 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?

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

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

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

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

By: Eric Droblyen
January 17th 2023
SECURE Act 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

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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Removing Hidden 401(k) Fees - What Employers Need to Know

By: Eric Droblyen
December 21st 2022
Revenue-sharing payments are hidden fees paid to 401(k) providers by some mutual funds. By replacing these funds, employers can increase participant returns.
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401(k) Plan Design Choices to Simplify Annual Admin the Most

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

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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