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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.
SECURE 2.0 – My Top 5 401(k) Related Provisions

SECURE 2.0 – My Top 5 401(k) Related Provisions

By: Eric Droblyen

January 31st 2023

SECURE 2.0 makes sweeping 401(k) plan changes. My top five provisions will grow retirement savings the most. Banning hidden fees would help even more.
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SECURE Act 2.0 – A Summary of the Major 401(k) Provisions

SECURE Act 2.0 – A Summary of the Major 401(k) Provisions

By: Eric Droblyen

January 17th 2023

SECURE 2.0 makes sweeping changes to 401(k) plans. Employers should understand the most significant provisions to prepare their 401(k) plan for them.
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The Top Ten Frugal Fiduciary 401(k) Blogs of 2022

The Top Ten Frugal Fiduciary 401(k) Blogs of 2022

By: Eric Droblyen

January 3rd 2023

Our top 10 blogs for 2022 are must-reads for small business 401(k) sponsors and participants. They cover controlled groups, testing, and plan administration.
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Removing Hidden 401(k) Fees - What Employers Need to Know

Removing Hidden 401(k) Fees - What Employers Need to Know

By: Eric Droblyen

December 21st 2022

Revenue-sharing payments are hidden fees paid to 401(k) providers by some mutual funds. By replacing these funds, employers can increase participant returns.
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401(k) Plan Design Choices to Simplify Annual Admin the Most

401(k) Plan Design Choices to Simplify Annual Admin the Most

By: Eric Droblyen

December 6th 2022

Proper 401(k) plan design can reduce the time employers must spend on annual plan administration by hours. We outline the simplest options to administer.
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401(k) Annual Administration - A Checklist for Business Owners

401(k) Annual Administration - A Checklist for Business Owners

By: Eric Droblyen

November 22nd 2022

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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How 401(k) Participants Can Match the Federal TSP's Low Fees

How 401(k) Participants Can Match the Federal TSP's Low Fees

By: Eric Droblyen

November 8th 2022

The Federal TSP is the lowest cost defined contribution plan in the US. Employers can help their 401(k) participants pay similar fees by taking two simple steps.
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Pooled 401(k) Plan Fees – A Case Study

Pooled 401(k) Plan Fees – A Case Study

By: Eric Droblyen

October 25th 2022

We compared the 401(k) fees paid by pooled and single-employer plans. The pooled plan costs more due to a higher percentage of asset-based fees.
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The Ideal 401(k) Plan for Employees and Employers

The Ideal 401(k) Plan for Employees and Employers

By: Eric Droblyen

October 11th 2022

The ideal 401(k) plan helps employees and employers meet their respective goals at the lowest cost. To achieve one, employers must understand their features.
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401(k) Contributions - What Workers Need to Know

401(k) Contributions - What Workers Need to Know

By: Eric Droblyen

September 27th 2022

401(k) plans can offer dramatically different employee and employer contribution options. Workers should understand their plan’s options to not miss out.
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