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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.
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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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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The 415(c) Limit For 401(k) Plans – FAQs for Employers

The 415(c) Limit For 401(k) Plans – FAQs for Employers

By: Eric Droblyen

September 13th 2022

The 415(c) limit caps the “annual additions” a 401(k) plan can allocate to participants each “limitation year.” To avoid violations, check out our FAQ.
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The Top 401(k) Priorities on the DOL’s Regulatory Agenda

The Top 401(k) Priorities on the DOL’s Regulatory Agenda

By: Eric Droblyen

August 30th 2022

The DOL's latest regulatory agenda includes 401(k) reform. I recommend 401(k) fiduciaries check it out to learn the DOL's priorities.
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Morningstar's Active/Passive Barometer – Takeaways for 401(k) Fiduciaries

Morningstar's Active/Passive Barometer – Takeaways for 401(k) Fiduciaries

By: Eric Droblyen

August 16th 2022

401(k) fiduciaries can struggle to choose between active or index funds when picking plan investments. The Morningstar Active/Passive Barometer can help.
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