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.
![Roth 401(k) Contributions — Answers to Common Questions](http://www.employeefiduciary.com/hubfs/blog-files/iStock-497147004.jpg)
Roth 401(k) Contributions — Answers to Common Questions
![](https://www.employeefiduciary.com/hubfs/Furgala%20Headshot.jpeg)
By: Brian Furgala
May 9th 2023
Historically, low income tax rates make Roth 401(k) contributions more affordable than ever. This FAQ can help you decide if they are right for you.
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![401(k) In-Service Distributions – New SECURE 2.0 Options](https://www.employeefiduciary.com/hubfs/shutterstock_2187283045%20%281%29%20%281%29.jpg)
401(k) In-Service Distributions – New SECURE 2.0 Options
![](https://www.employeefiduciary.com/hubfs/Furgala%20Headshot.jpeg)
By: Brian Furgala
April 25th 2023
Discover how SECURE 2.0 expands 401(k) in-service distribution options for emergencies, terminal illness, domestic abuse victims, and long-term care premiums.
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![401(k) Eligibility: When to Let Employees Join Your Plan](http://www.employeefiduciary.com/hubfs/blog-files/iStock-502281508.jpg)
401(k) Eligibility: When to Let Employees Join Your Plan
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
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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![401(k) Required Minimum Distributions – What You Need to Know](https://www.employeefiduciary.com/hubfs/blog-files/401%28k%29%20Required%20Minimum%20Distributions.jpg)
401(k) Required Minimum Distributions – What You Need to Know
![](https://www.employeefiduciary.com/hubfs/Furgala%20Headshot.jpeg)
By: Brian Furgala
March 28th 2023
Failing to take required minimum distributions from your 401(k) can result in tax penalties. Understanding the RMD rules can keep you safe.
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![Automatic Enrollment – Is It Right for Your Small Business 401(k) Plan?](https://www.employeefiduciary.com/hubfs/automaticenrollment-isitrightforyourbusiness.jpg)
Automatic Enrollment – Is It Right for Your Small Business 401(k) Plan?
![](https://www.employeefiduciary.com/hubfs/Furgala%20Headshot.jpeg)
By: Brian Furgala
March 14th 2023
Learn the 3 options of automatic enrollment in a 401(k) plan and decide which is right for your business. Plus, read the latest changes from SECURE 2.0.
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![Small Business 401(k) Tax Credits – SECURE 2.0 Updates](https://www.employeefiduciary.com/hubfs/shutterstock_1199007088%20%281%29-1.jpg)
Small Business 401(k) Tax Credits – SECURE 2.0 Updates
![](https://www.employeefiduciary.com/hubfs/Furgala%20Headshot.jpeg)
By: Brian Furgala
February 28th 2023
Discover three small business 401(k) tax credits that can help lower the out-of-pocket cost of starting a small business retirement plan. Plus, read the latest changes due to SECURE 2.0.
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![Three Features of a FIRE-Inspired 401(k) Plan](https://www.employeefiduciary.com/hubfs/shutterstock_1467013787%20%281%29.jpg)
Three Features of a FIRE-Inspired 401(k) Plan
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
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](https://www.employeefiduciary.com/hubfs/SECURE%202.0%20%E2%80%93%20My%20Top%205%20401%28k%29%20Related%20Provisions.jpg)
SECURE 2.0 – My Top 5 401(k) Related Provisions
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
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](https://www.employeefiduciary.com/hubfs/capitol%20makes%20secure%20act%202.0%20changes%20for%20401%28k%29%20plans-1.jpg)
SECURE Act 2.0 – A Summary of the Major 401(k) Provisions
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
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](https://www.employeefiduciary.com/hubfs/chub_backup/Screen%20Shot%202022-12-30%20at%2012.13.18%20PM.png)
The Top Ten Frugal Fiduciary 401(k) Blogs of 2022
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
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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