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.
![Solo 401(k) Plans – How to Maximize their Benefits](https://www.employeefiduciary.com/hubfs/blog-files/solo-401k-plans-their-benefits-to-eligible-business-owners1.png)
Solo 401(k) Plans – How to Maximize their Benefits
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
August 27th 2024
A solo 401(k) plan can only cover business owners and their spouses. Understanding their rules and options can help a business owner maximize their benefit.
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![401(k) Document Retention Rules Made Simple](https://www.employeefiduciary.com/hubfs/blog-files/401k-document-retention-rules-made-simple.jpg)
401(k) Document Retention Rules Made Simple
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
August 13th 2024
Meeting ERISA document retention standards can help employers defend 401(k) plan challenges. Organizing the necessary records in 3 files can make the job easy.
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![401(k) Amendment Rules – A Guide for Employers](https://www.employeefiduciary.com/hubfs/shutterstock_565655122.jpg)
401(k) Amendment Rules – A Guide for Employers
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By: Eric Droblyen
July 30th 2024
The Internal Revenue Service has strict rules for amending 401(k) plan documents. To stay out of trouble, employers should understand some amendment basics.
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![Understanding ERISA 404(c): Importance, Compliance, and the Role of QDIAs](https://www.employeefiduciary.com/hubfs/Erisa%20404c%20Blog%20%282%29.jpg)
Understanding ERISA 404(c): Importance, Compliance, and the Role of QDIAs
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
July 15th 2024
ERISA 404(c) protects employers from liability for investment losses resulting from 401(k) participant decision-making. Compliance is easy.
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![401(k) Participant Disclosures - What Employers Need to Know](https://www.employeefiduciary.com/hubfs/401%28k%29%20Participant%20Disclosures%20.jpg)
401(k) Participant Disclosures - What Employers Need to Know
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By: Eric Droblyen
July 2nd 2024
401(k) plans have complicated participant disclosure rules. However, an employer’s role in meeting these requirements is basic when a qualified 401k provider is used.
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![401(k) Matching Contributions – What Retirement Savers Need to Know](https://www.employeefiduciary.com/hubfs/401k%20matching%20contributions%20blog.jpg)
401(k) Matching Contributions – What Retirement Savers Need to Know
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
June 17th 2024
In this article, we will explore the mechanics of 401(k) matching contributions, their importance, and strategies to maximize their benefits.
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![401(k) Rollovers – FAQs for Retirement Investors](https://www.employeefiduciary.com/hubfs/401%28k%29%20Rollovers%20-%20FAQ-1.jpg)
401(k) Rollovers – FAQs for Retirement Investors
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
June 5th 2024
Rolling retirement savings from a low-cost 401(k) plan to an overpriced plan or IRA today can cost an investor dearly in retirement. Our FAQ can help you make an informed rollover decision.
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![401(k) Advisor Fee Study: How Much Fiduciary Advice Lowers Plan Costs](https://www.employeefiduciary.com/hubfs/Shutterstock%202240617457.jpg)
401(k) Advisor Fee Study: How Much Fiduciary Advice Lowers Plan Costs
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
May 21st 2024
Our fee study of 1,109 401(k) financial advisors shows how much fiduciary-grade investment advice can lower the total cost of a 401(k) plan vs. national averages.
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![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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![Enrolling in a 401(k) Plan – How to Make Informed Decisions](https://www.employeefiduciary.com/hubfs/enrollment%20blog.jpg)
Enrolling in a 401(k) Plan – How to Make Informed Decisions
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
April 23rd 2024
Making informed 401(k) enrollment decisions can significantly reduce your future retirement's out-of-pocket cost. Our 4-step process can help you do that.
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