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.

Terminating Your Plan? Here’s What You Need to Know

By: Eric Droblyen
July 1st 2021
Learn about the process of terminating your 401(k) plan. Discover actions required, fully vesting participant accounts, IRS involvement, participant options & necessary last steps to avoid penalties.
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How to Select an Auditor for the Form 5500

By: Eric Droblyen
July 1st 2021
Learn how to select the right 401k auditor, avoid costly mistakes, and ensure compliance with ERISA. Discover what qualities to look for, and where to find reputable auditors.
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Preventing Identify Theft in Your Retirement Plan

By: Eric Droblyen
July 1st 2021
Identify theft is a big problem with retirement plans. Luckily there are steps you can take to prevent it. Learn more in this FAQ.
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401(k) Vesting Schedules – What They Are and How They Work

By: Eric Droblyen
July 1st 2021
Learn everything you need to know about 401(k) vesting schedules in this short guide.
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Voluntary Contributions - Probably Not a Fit for Your 401(k) Plan

By: Eric Droblyen
July 1st 2021
Voluntary 401(k) contributions are after-tax employee contributions like Roth deferrals, but subject to different ERISA rules.
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The ADP and ACP Tests - What You Need to Know

By: Eric Droblyen
July 1st 2021
Learn about the ADP & ACP tests – the two of the three main 401(k) nondiscrimination tests.
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How to Calculate Your All-In 401(k) Fee

By: Eric Droblyen
July 1st 2021
Learn step-by-step how to calculate the total 401(k) fee in this short, easy-to-read guide.
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401(k) Contribution Limits - What You Need to Know

By: Eric Droblyen
July 1st 2021
Discover the 2023 401(k) contribution limits for employees and employers. Learn about IRS-defined limits, catch-up contributions, and ADP/ACP test limits for HCEs.
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401(k) Fees - What You Need to Know About The 3 Major Categories

By: Eric Droblyen
July 1st 2021
The DOL places 401(k) fees into 3 major categories. Learn everything you need to know about each in this quick read.
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How to Reclaim Your Retirement Plan with a Previous Employer

By: Eric Droblyen
July 1st 2021
Have a 401(k) with an old employer? Learn what to do in this easy-to-read guide.
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