Exciting News Cindy Dash Joins Employee Fiduciary as President

Read more
Solutions
Payroll Integration Pricing Investments
Resources
401(k) Tax Incentives for Small Businesses
The tax benefits of a 401(k) plan can be substantial. Explore the tax incentives available to small businesses.
Read Now
Get a Quote
Search for topics or resources

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.
How to Attribute Family Ownership When 401(k) Plan Testing

How to Attribute Family Ownership When 401(k) Plan Testing

By: Eric Droblyen

November 27th 2019

Under the 401(k) family attribution rules, individuals are attributed the ownership of family members. These rules can greatly affect plan test results.
Read More
The DOL Proposes New Electronic 401(k) Disclosure Rules

The DOL Proposes New Electronic 401(k) Disclosure Rules

By: Eric Droblyen

November 13th 2019

The proposal would allow employers to electronically deliver 401(k) disclosures to plan participants by posting them to a website. This reform is overdue.
Read More
How MEPs Signal a Broken 401(k) Industry

How MEPs Signal a Broken 401(k) Industry

By: Eric Droblyen

October 30th 2019

Multiple Employer Plans (MEPs) are better for the 401(k) industry than retirement plan savers and sponsors. Small business owners should avoid them.
Read More
3 Warning Signs Your 401(k) Provider is Ripping You Off

3 Warning Signs Your 401(k) Provider is Ripping You Off

By: Eric Droblyen

October 16th 2019

If you’re a business owner, you must know how much your 401(k) plan costs because the consequences for paying excessive fees are high.
Read More
401(k) Fees - Rules for Allocating Among Plan Participants

401(k) Fees - Rules for Allocating Among Plan Participants

By: Eric Droblyen

October 2nd 2019

Employers have a fiduciary responsibility to allocate 401(k) fees among plan participants equitably. This job can be easy with some basic education.
Read More
Steps for Reducing the Out-of-Pocket Cost of Retirement

Steps for Reducing the Out-of-Pocket Cost of Retirement

By: Eric Droblyen

September 4th 2019

A simple plan can dramatically reduce the cost of retirement for 401(k) participants. Investing knowledge is not required to follow the plan.
Read More
401(k) Fee Study: What Does a Fiduciary-Grade Advisor Cost?

401(k) Fee Study: What Does a Fiduciary-Grade Advisor Cost?

By: Eric Droblyen

August 7th 2019

Our fee study of 753 fiduciary-grade financial advisors shows impartial advice reduces the total cost of a 401(k) plan. Employers should not settle for less.
Read More
The SPIVA Scorecard – A Must-Read for 401(k) Fiduciaries

The SPIVA Scorecard – A Must-Read for 401(k) Fiduciaries

By: Eric Droblyen

July 10th 2019

The SPIVA Scorecard measures the percentage of active funds that outperform their market benchmark over specific periods of time, net of fees. Most don't.
Read More
Switching 401(k) Providers? What to Expect and Pitfalls to Avoid

Switching 401(k) Providers? What to Expect and Pitfalls to Avoid

By: Eric Droblyen

June 26th 2019

To lower your 401k fees, you may need to replace your plan provider. This move can seem daunting until you understand the process and the pitfalls to avoid.
Read More
Employers Must Avoid 401(k) Providers They Can't Understand

Employers Must Avoid 401(k) Providers They Can't Understand

By: Eric Droblyen

June 12th 2019

Avoiding 401k fiduciary liability can be easy. You just need a basic understanding of your fiduciary responsibilities and an easy-to-monitor plan provider.
Read More