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.

Is Your Company Part of an Affiliated Service Group? Know for Certain or Risk 401(k) Plan Disqualification

By: Eric Droblyen
October 24th 2023
Determining whether your company is part of an affiliated service group is complex, but necessary to avoid plan errors which can result in plan disqualification.
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The 402(g) Limit For 401(k) Plans – FAQs for Employers

By: Eric Droblyen
October 10th 2023
The 402(g) limit may be the most straightforward 401(k) contribution limit, but it can get complicated fast when an individual contributes to multiple plans in a year.
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403(b) vs 401(k): Which is Best for a Tax-Exempt Organization?

By: Eric Droblyen
September 26th 2023
Tax exempts can help their employees save for retirement with a 403(b) or 401(k) plan. Understanding how these plans compare can make the best choice easy.
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4 Questions to Achieve the Ideal 401(k) Plan

By: Eric Droblyen
September 12th 2023
An ideal 401(k) plan helps employees and employers meet their goals at a low cost. Ask your plan provider four questions to achieve one for your business.
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DOL Requests 401(k) Fee Disclosure Feedback; We Responded

By: Eric Droblyen
August 29th 2023
Participant-directed 401(k) plans must distribute a fee disclosure to participants annually. We suggested content changes to the DOL to improve their effectiveness.
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401(k) Eligibility: When to Let Employees Join Your Plan

By: Eric Droblyen
April 11th 2023
Company goals, employee demographics, and plan features are all factors small businesses should consider when choosing 401(k) eligibility terms.
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Three Features of a FIRE-Inspired 401(k) Plan

By: Eric Droblyen
February 14th 2023
Financial Independence, Retire Early (FIRE) is a financial movement defined by frugality. A FIRE-inspired 401(k) plan can help any worker retire years sooner.
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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

By: Eric Droblyen
January 17th 2023
SECURE Act 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

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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