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 New Retirement Security Rule - A Win for Retirement Investors](https://www.employeefiduciary.com/hubfs/fiduciary%20rule%20blog.jpg)
The DOL’s New Retirement Security Rule - A Win for Retirement Investors
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
May 7th 2024
The DOL's Retirement Security Rule aims to protect investors by making all professional retirement advice subject to ERISA’s rigorous fiduciary standards.
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![A Simple Guide for Meeting 401(k) Fiduciary Responsibilities](https://www.employeefiduciary.com/hubfs/blog-files/shutterstock_451647706-1.jpg)
A Simple Guide for Meeting 401(k) Fiduciary Responsibilities
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
February 27th 2024
Meeting 401(k) fiduciary responsibilities does not need to be scary or time-consuming for small business plan sponsors. Following some simple guidance is the key.
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![401(k) Annual Administration - A Checklist for 2022](https://www.employeefiduciary.com/hubfs/Untitled%20design%20%289%29.png)
401(k) Annual Administration - A Checklist for 2022
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
December 8th 2021
An important 401(k) fiduciary responsibility is ensuring plan administration tasks are completed timely each year. Our 2022 checklist makes this job easy.
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![401(k) Fiduciary Liability Insurance – Factors that Raise Premiums](https://www.employeefiduciary.com/hubfs/shutterstock_1305029218-1-1.jpg)
401(k) Fiduciary Liability Insurance – Factors that Raise Premiums
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
August 4th 2021
Understanding the factors that increase the price of 401(k) fiduciary liability insurance coverage can help plan fiduciaries more easily avoid liability.
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![401(k) Plan Oversight - Understanding Your Fiduciary Hierarchy is Key](https://www.employeefiduciary.com/hubfs/fiduciaryhierarchy-1.jpg)
401(k) Plan Oversight - Understanding Your Fiduciary Hierarchy is Key
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
July 7th 2021
As a business owner, you want to understand the basic fiduciary hierarchy applicable to all 401(k) plans and the responsibilities of each role within it.
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![401(k) Fiduciary Outsourcing – Roles That MEPs Can Abuse](https://www.employeefiduciary.com/hubfs/mep_abuse.png)
401(k) Fiduciary Outsourcing – Roles That MEPs Can Abuse
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
October 28th 2020
Multiple-Employer 401k Plans (MEPs) require business owners to delegate fiduciary roles to their provider. This delegation makes MEPs highly prone to abuse.
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![401(k) Administration Checklist for the 2020 Plan Year](https://www.employeefiduciary.com/hubfs/2020%20Adminstration%20Checklist.jpg)
401(k) Administration Checklist for the 2020 Plan Year
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
December 11th 2019
An important 401(k) fiduciary responsibility is ensuring plan administration tasks are completed timely each year. Our checklist makes this job easy.
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![Apathy is the #1 Source of 401(k) Liability – It’s Easy to Avoid](https://www.employeefiduciary.com/hubfs/Apathy%20is%20the%20%231%20Source%20of%20401%28k%29%20Liability%20%E2%80%93%20It%E2%80%99s%20Easy%20to%20Avoid.jpg)
Apathy is the #1 Source of 401(k) Liability – It’s Easy to Avoid
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
October 17th 2018
401(k) fiduciary responsibilities are manageable once they’re understood. The problem is many small businesses don’t make the effort.
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![401(k) Fidelity Bonds – Frequently Asked Questions](https://www.employeefiduciary.com/hubfs/fidelity-bonds-FAQ.jpg)
401(k) Fidelity Bonds – Frequently Asked Questions
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By: Eric Droblyen
June 27th 2018
An ERISA fidelity bond protects 401(k) plan participants against losses caused by acts of fraud or dishonesty. Employers should understand their basics.
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![Understanding a 401(k) Plan’s Fiduciary Hierarchy Can Make It Easier for Employers To Meet Fiduciary Responsibilities](https://www.employeefiduciary.com/hubfs/blog-files/understanding-a-401k-plans-fiduciary-hierarchy-can-make-it-easier-for-employers-to-meet-fiduciary-responsibilities.jpg)
Understanding a 401(k) Plan’s Fiduciary Hierarchy Can Make It Easier for Employers To Meet Fiduciary Responsibilities
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
December 16th 2015
401(k) fiduciary responsibility is receiving increased attention, but employers are still unclear about meeting their plan’s fiduciary responsibilities.
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