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.
![Preventing Identify Theft in Your Retirement Plan](https://www.employeefiduciary.com/hubfs/chub_backup/Preventing%20Identity%20Theft%20in%20a%20Retirement%20Program%20as%20an%20Employer-1.jpg)
Preventing Identify Theft in Your Retirement Plan
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
July 1st 2021
Identify theft is a big problem with retirement plans. Luckily there are steps you can take to prevent it. Learn more in this FAQ.
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![401(k) Vesting Schedules – What They Are and How They Work](https://www.employeefiduciary.com/hubfs/401%28k%29%20Vesting%20Schedules%20-%20What%20are%20they%20and%20how%20do%20they%20work-1.jpg)
401(k) Vesting Schedules – What They Are and How They Work
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
July 1st 2021
Learn everything you need to know about 401(k) vesting schedules in this short guide.
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![Voluntary Contributions - Probably Not a Fit for Your 401(k) Plan](https://www.employeefiduciary.com/hubfs/shutterstock_256831387-1.jpg)
Voluntary Contributions - Probably Not a Fit for Your 401(k) Plan
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
July 1st 2021
Voluntary 401(k) contributions are after-tax employee contributions like Roth deferrals, but subject to different ERISA rules.
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![The ADP and ACP Tests - What You Need to Know](https://www.employeefiduciary.com/hubfs/The%20ADP%20and%20ACP%20Tests%20-%20What%20You%20Need%20to%20Know-1.jpg)
The ADP and ACP Tests - What You Need to Know
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
July 1st 2021
Learn about the ADP & ACP tests – the two of the three main 401(k) nondiscrimination tests.
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![How to Calculate Your All-In 401(k) Fee](https://www.employeefiduciary.com/hubfs/How%20to%20Calculate%20Your%20All-In%20401%28k%29%20Fees.jpg)
How to Calculate Your All-In 401(k) Fee
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
July 1st 2021
Learn step-by-step how to calculate the total 401(k) fee in this short, easy-to-read guide.
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![401(k) Contribution Limits - What You Need to Know](https://www.employeefiduciary.com/hubfs/Contribution%20Limits%20-%20What%20You%20Need%20To%20Know-1.jpg)
401(k) Contribution Limits - What You Need to Know
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
July 1st 2021
Discover the 2024 401(k) contribution limits for employees and employers. Learn about IRS-defined limits, catch-up contributions, and ADP/ACP test limits for HCEs.
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![401(k) Fees - What You Need to Know About The 3 Major Categories](https://www.employeefiduciary.com/hubfs/401%28k%29%20Fees%20-%20What%20You%20Need%20to%20Know%20About%20The%203%20Major%20Categories-1.jpg)
401(k) Fees - What You Need to Know About The 3 Major Categories
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
July 1st 2021
The DOL places 401(k) fees into 3 major categories. Learn everything you need to know about each in this quick read.
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![How to Reclaim Your Retirement Plan with a Previous Employer](https://www.employeefiduciary.com/hubfs/How%20to%20Reclaim%20Your%20Retirement%20Plan%20with%20a%20Previous%20Employer-1.jpg)
How to Reclaim Your Retirement Plan with a Previous Employer
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
July 1st 2021
Have a 401(k) with an old employer? Learn what to do in this easy-to-read guide.
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![What to Do When Your Retirement Plan Terminates](https://www.employeefiduciary.com/hubfs/What%20to%20Do%20When%20Your%20Retirement%20Plan%20Terminates-1.jpg)
What to Do When Your Retirement Plan Terminates
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
July 1st 2021
Is your employer terminating your retirement plan? Learn what to do in this easy-to-read guide.
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![The Top Heavy Test - What You Need to Know](https://www.employeefiduciary.com/hubfs/shutterstock_229003033-1.jpg)
The Top Heavy Test - What You Need to Know
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
July 1st 2021
Learn everything you need to know about the Top Heavy Test – an important 401(k) nondiscrimination test.
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