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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) Matching Contributions – What Retirement Savers Need to Know

401(k) Matching Contributions – What Retirement Savers Need to Know

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

401(k) Rollovers – FAQs for Retirement Investors

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

401(k) Advisor Fee Study: How Much Fiduciary Advice Lowers Plan Costs

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

The DOL’s New Retirement Security Rule - A Win for Retirement Investors

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

Enrolling in a 401(k) Plan – How to Make Informed Decisions

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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SECURE 2.0’s Automatic Enrollment Mandate for 401(k)s – What Employers Need to Know

SECURE 2.0’s Automatic Enrollment Mandate for 401(k)s – What Employers Need to Know

By: Eric Droblyen

March 26th 2024

SECURE 2.0 requires new 401(k) plans to implement an automatic enrollment feature in 2025 unless an exception applies. Here's what employers need to know.
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How Starter 401(k) Plans Compare to Safe Harbor and Traditional Plans

How Starter 401(k) Plans Compare to Safe Harbor and Traditional Plans

By: Eric Droblyen

March 12th 2024

Employers with no 401(k) plan can now adopt a starter plan. Small business owners should understand how they compare to traditional and safe harbor plans.
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A Simple Guide for Meeting 401(k) Fiduciary Responsibilities

A Simple Guide for Meeting 401(k) Fiduciary Responsibilities

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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Roth Matching and Nonelective Contributions – What Employers Need to Know

Roth Matching and Nonelective Contributions – What Employers Need to Know

By: Eric Droblyen

February 13th 2024

Roth matching and nonelective contributions will be available to 401(k) plans soon. Here’s what employers need to know to decide if they are right for their plan.
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Deadlines for 401(k) Adoption – Including SECURE 2.0 Changes

Deadlines for 401(k) Adoption – Including SECURE 2.0 Changes

By: Eric Droblyen

January 31st 2024

The SECURE Act made it easier for businesses to adopt a new 401(k) plan or add a safe harbor feature to an existing plan by extending the deadlines to do so.
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