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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 2020

The Top Ten Frugal Fiduciary 401(k) Blogs of 2020

By: Eric Droblyen

December 23rd 2020

Our top 10 blogs for 2020 are must-reads for small business 401(k) sponsors and participants. They cover plan administration, features, fees and providers.
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How to Find & Calculate Transamerica 401(k) Fees

How to Find & Calculate Transamerica 401(k) Fees

By: Eric Droblyen

December 17th 2020

Finding Transamerica 401k fees isn't easy. In this guide, we'll show you average Transamerica fees, then how to find & calculate them in your plan.
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Pooled vs. Single-Employer 401(k) Plans - Are PEPs for You?

Pooled vs. Single-Employer 401(k) Plans - Are PEPs for You?

By: Eric Droblyen

December 9th 2020

Supporters claim Pooled Employer Plans (PEPs) offer lower 401k fees and greater liability protection than single-employer plans. They rarely deliver either.
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401(k) Reform – How to Make Plans More Transparent

401(k) Reform – How to Make Plans More Transparent

By: Eric Droblyen

November 11th 2020

401(k) plans should offer objective value for participants and straightforward fiduciary responsibilities for business owners. Often, they deliver neither.
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401(k) Fiduciary Outsourcing – Roles That MEPs Can Abuse

401(k) Fiduciary Outsourcing – Roles That MEPs Can Abuse

By: Eric Droblyen

October 28th 2020

Multiple-Employer 401k Plans (MEPs) require business owners to delegate fiduciary roles to their provider. This delegation makes MEPs highly prone to abuse.
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401(k) Retirement Planning – 4 Steps to Retire On-Time

401(k) Retirement Planning – 4 Steps to Retire On-Time

By: Eric Droblyen

October 14th 2020

Some basic retirement planning can dramatically reduce the cost of retirement for 401k participants. Our 4-step plan requires no investing knowledge at all.
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401(k) Investments - Options for Selecting a “Prudent” Menu

401(k) Investments - Options for Selecting a “Prudent” Menu

By: Eric Droblyen

September 30th 2020

Inappropriate investment selection is a top cause of 401(k) lawsuits today. This trouble can be easily avoided with some impartial investment guidance.
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Paying 401(k) Admin Fees from Plan Assets Hurt Business Owners Most

Paying 401(k) Admin Fees from Plan Assets Hurt Business Owners Most

By: Eric Droblyen

August 19th 2020

Small business owners often have the most to gain personally by paying their 401k provider's administration fees from a bank account instead of plan assets
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Roth vs. Traditional 401(k) Contributions – How to Choose

Roth vs. Traditional 401(k) Contributions – How to Choose

By: Eric Droblyen

August 5th 2020

If your 401(k) plan permits Roth deferrals, it can be worth your time to decide whether they're a better choice than traditional deferrals for your account.
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The 5 Most Popular Small Business 401(k) Plan Features

The 5 Most Popular Small Business 401(k) Plan Features

By: Eric Droblyen

July 22nd 2020

Different 401(k) “types” (safe harbor, Roth, profit sharing, etc…) are in fact different contribution “features” that a plan can combine in numerous ways.
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