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.

Blog Feature

401(k) Studies

Small business 401k participants using their 401k plans to save for retirement (!) Part 3 of 3

By: Greg Carpenter
May 23rd, 2014

401k plans are designed to help workers save for retirement. Unfortunately, 401k accounts often reduced prior to retirement by loans that are not repaid, hardship withdrawals, and cash-outs resulting from a job change. Experts call these reductions “leakage.” 401k leakage can greatly reduce a worker’s

Read More

Share

Blog Feature

401(k) Studies

Here’s how our small business 401k plan clients use low-cost investments. Not the conventional wisdom. Part 2 of 3

By: Greg Carpenter
May 13th, 2014

Last week I discussed how the trend toward index investments among our clients is accelerating – even for the smallest 401k plans. This week some thoughts on how our clients are using index investments for long term asset allocation strategies.

Read More

Share

401(k) Plan Design Checklist

Feeling overwhelmed?

Subscribe to the The Frugal Financial Small Business 401(k) Blog and receive this free checklist for help in determing the best 401(k) plan design options and fit for your company.

Blog Feature

401(k) Studies

The Small Business 401k Plan in 2014: Our Clients Redefine the Conventional Wisdom - Part 1 of 3

By: Greg Carpenter
May 7th, 2014

 Smaller 401k plans pay more in fees and have a harder time implementing best practices – right? Not our clients.

Read More

Share

Blog Feature

401(k) Fees | 401(k) Studies

Yale law professor again hammers high fees and revenue sharing. With a few reservations, I like what they have to say.

By: Greg Carpenter
March 5th, 2014

Yale law professor Ian Ayres got hammered last year when he co-authored a paper attacking high cost 401k plans. Professor Ayres and Professor Curtis of UVA are back with a new article on 401k fees and practices. While I don’t agree with every point made in the paper, I do endorse their focus on fees and transparency.

Read More

Share

Blog Feature

401(k) Studies

“Amateur Hour”? Professor makes waves with Form 5500 study

By: Greg Carpenter
July 31st, 2013

It’s been an interesting year for 401k plans in the news cycle. First, we had PBS’ Frontline piece, The Retirement Gamble, which generated a lot of discussion and debate about fees. Now, we have a professor from Yale Law School who has done some research into 401(k) plan costs.

Read More

Share