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.
![401(k) Fiduciary Takeaways from a Jerry Schlichter Interview](https://www.employeefiduciary.com/hubfs/shutterstock_1348167020-1.jpg)
401(k) Fiduciary Takeaways from a Jerry Schlichter Interview
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
March 2nd 2022
Understanding the drivers of 401(k) fiduciary liability can help employers avoid it. The top drivers are well defined in a recent interview with Jerry Schlichter.
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![Pooled Employer 401(k) Plans (PEPs): Myth vs. Reality](https://www.employeefiduciary.com/hubfs/shutterstock_2059535117.png)
Pooled Employer 401(k) Plans (PEPs): Myth vs. Reality
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
February 16th 2022
Pooled Employer Plans (PEPs) can seem attractive at first blush. Ironically, their purported benefits can, in fact, harm 401(k) plan participants and fiduciaries.
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![Hughes v Northwestern: What is a](https://www.employeefiduciary.com/hubfs/shutterstock_529874140-1.jpg)
Hughes v Northwestern: What is a "Prudent" 401(k) Investment?
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
February 2nd 2022
When the Supreme Court re-opened the Hughes v. Northwestern University case, they didn't offer plan fiduciaries a "prudent" 401(k) investment definition. We do.
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![401(k) Nondiscrimination Testing Study – What % of Plans Fail?](https://www.employeefiduciary.com/hubfs/Imported_Blog_Media/shutterstock_212929645-1-1-2.png)
401(k) Nondiscrimination Testing Study – What % of Plans Fail?
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
January 19th 2022
Our 401(k) nondiscrimination testing study shows the percentage of small business plans that fail the ADP/ACP, top-heavy, 402(g), and 415 tests.
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![How to Make Small Business 401(k)s Cheaper than Mega Plans](https://www.employeefiduciary.com/hs-fs/hubfs/shutterstock_398435296-1.jpg?width=599&quality=low)
How to Make Small Business 401(k)s Cheaper than Mega Plans
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
January 5th 2022
Small 401(k) plans are notorious for high fees. Here's how business owners can benefit by making their small plan cheaper than a mega plan for participants.
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![The Top Ten Frugal Fiduciary 401(k) Blogs of 2021](https://www.employeefiduciary.com/hubfs/Burnt%20Sienna%20Modern%20Fashion%20Website%20Header%20%282%29.png)
The Top Ten Frugal Fiduciary 401(k) Blogs of 2021
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
December 22nd 2021
Our top 10 blogs for 2021 are must-reads for small business 401(k) sponsors and participants. They cover controlled groups, testing, and plan administration.
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![401(k) Annual Administration - A Checklist for 2022](https://www.employeefiduciary.com/hubfs/Untitled%20design%20%289%29.png)
401(k) Annual Administration - A Checklist for 2022
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
December 8th 2021
An important 401(k) fiduciary responsibility is ensuring plan administration tasks are completed timely each year. Our 2022 checklist makes this job easy.
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![Small Business 401(k) Plans – How the Best Can Help You Retire Faster](https://www.employeefiduciary.com/hubfs/shutterstock_265486046-1.jpg)
Small Business 401(k) Plans – How the Best Can Help You Retire Faster
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
November 24th 2021
Avoiding 401(k) pitfalls during your working years can help you retire years faster. The best small business plans make this job easy. Don't settle for less.
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![Bundled or Unbundled 401(k) Provider – How to Choose](https://www.employeefiduciary.com/hubfs/shutterstock_386685232-1.jpg)
Bundled or Unbundled 401(k) Provider – How to Choose
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
November 10th 2021
Bundled (or full-service) 401k providers deliver all of the major plan administration services, while unbundled providers must ally with other companies to do so.
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![401(k) Fee Study: How Much Does a Fiduciary-Grade Advisor Cost?](https://www.employeefiduciary.com/hubfs/shutterstock_348215687-1.jpg)
401(k) Fee Study: How Much Does a Fiduciary-Grade Advisor Cost?
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
October 27th 2021
Our fee study of 860 fiduciary-grade 401(k) financial advisors shows impartial advice reduces the total cost of a retirement plan. Employers should not settle for less.
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