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.

Traditional vs. QACA Safe Harbor 401(k) Plans: How to Choose the Best Option for Your Business

By: Eric Droblyen
April 22nd 2025
Compare traditional vs. QACA Safe Harbor 401(k) plans. Learn key differences, SECURE Act updates, and how to choose the best plan for your business.
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The 401(k) Form 5500: Your Questions Answered

By: Eric Droblyen
April 8th 2025
Form 5500 reports information about a 401(k) plan to government agencies and employees. In this guide, we'll break down frequently asked questions.
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Why Asset-Based 401(k) Admin Fees Are a Problem – And What You Can Do About It

By: Eric Droblyen
March 25th 2025
Asset-based 401(k) admin fees can quietly drain thousands from retirement savings. Discover why fiduciaries should switch to transparent fee structures.
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Boost Retirement Savings and Reduce Taxes by Paying Your 401(k) Fees from a Business Account

By: Eric Droblyen
March 11th 2025
Paying your 401(k) provider’s administration fees from your business account – not plan assets – can directly benefit you, your employees, and your business.
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SECURE Act 2.0: 2025 Changes for Small Business 401(k) Plans

By: Eric Droblyen
February 25th 2025
SECURE Act 2.0 made significant changes to 401(k) plans for 2025. It’s crucial for business owners to understand them and prepare their plan for compliance.
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The DOL’s Voluntary Fiduciary Correction Program: What Business Owners Need to Know

By: Eric Droblyen
February 11th 2025
Learn how DOL’s Voluntary Fiduciary Correction Program (VFCP) helps businesses fix 401(k) plan errors, avoid penalties, and stay ERISA compliant.
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401(k) Catch-Up Contributions: Key Updates for 2025 and 2026

By: Eric Droblyen
January 28th 2025
The SECURE 2.0 updates to 401(k) catch-up contributions are straightforward but will require some planning to implement properly.
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Lost a 401(k)? Here's How to Reclaim Your Retirement Savings

By: Eric Droblyen
January 14th 2025
Learn how to reclaim lost or forgotten 401(k) and pension accounts with the DOL's Retirement Savings Lost and Found Database. Follow our easy steps to secure your retirement savings today.
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The Top Ten Frugal Fiduciary 401(k) Blogs of 2024

By: Eric Droblyen
December 31st 2024
Our top 10 blogs for 2024 are must-reads for small business 401(k) sponsors and participants. They cover SECURE 2.0, plan administration, and investment fees.
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401(k) Variable Annuities - 5 Reasons to Avoid Them

By: Eric Droblyen
December 17th 2024
Over time, the cumulative effect of variable annuity wrap fees can cost a 401(k) participant hundreds of thousands of dollars in retirement. Here’s what you need to know.
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