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 Matching and Nonelective Contributions – What Employers Need to Know](https://www.employeefiduciary.com/hubfs/shutterstock_459251470%20%281%29.jpg)
Roth Matching and Nonelective Contributions – What Employers Need to Know
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
February 13th 2024
Roth matching and nonelective contributions will be available to 401(k) plans soon. Here’s what employers need to know to decide if they are right for their plan.
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![401(k) Contribution Deductibility - What Employers Need to Know](https://www.employeefiduciary.com/hubfs/shutterstock_2149828895%20%281%29.jpg)
401(k) Contribution Deductibility - What Employers Need to Know
![](https://www.employeefiduciary.com/hubfs/Furgala%20Headshot.jpeg)
By: Brian Furgala
August 15th 2023
Understanding the deduction rules for 401(k) plan contributions can significantly reduce your business’s tax liability. These rules boil down to limits and timing.
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![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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![Voluntary Contributions - Probably Not a Fit for Your 401(k) Plan](https://www.employeefiduciary.com/hubfs/shutterstock_256831387-1.jpg)
Voluntary Contributions - Probably Not a Fit for Your 401(k) Plan
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
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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![401(k) Contribution Limits - What You Need to Know](https://www.employeefiduciary.com/hubfs/Contribution%20Limits%20-%20What%20You%20Need%20To%20Know-1.jpg)
401(k) Contribution Limits - What You Need to Know
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
July 1st 2021
Discover the 2024 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) Contribution Deadlines – You Don’t Want to Miss Them!](https://www.employeefiduciary.com/hubfs/401%28k%29%20Contribution%20Deadlines%20%E2%80%93%20You%20Don%E2%80%99t%20Want%20to%20Miss%20Them!.jpg)
401(k) Contribution Deadlines – You Don’t Want to Miss Them!
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
January 9th 2019
When 401(k) contributions - employee or employer - are deposited late, there are consequences for employers. With some education, they are easily avoided.
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![401(k) Matching Contributions – What Employers Need to Know](https://www.employeefiduciary.com/hubfs/shutterstock_779791717%20%281%29.jpg)
401(k) Matching Contributions – What Employers Need to Know
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
June 13th 2018
401k matching contributions can be highly effective in motivating workers to save for retirement. Small businesses should understand their match options.
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![Are Profit Sharing Contributions Right for Your 401(k) Plan?](https://www.employeefiduciary.com/hubfs/shutterstock_478129501-1-1-1.jpeg)
Are Profit Sharing Contributions Right for Your 401(k) Plan?
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
January 10th 2018
Pro rata, permitted disparity, and new comparability are types of 401k profit sharing contributions. Employers should know if they’re right for their plan.
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![New Comparability 401(k) Plans - Are They Right for Your Small Business?](http://www.employeefiduciary.com/hubfs/blog-files/iStock-516755868.jpg)
New Comparability 401(k) Plans - Are They Right for Your Small Business?
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
April 19th 2017
Small businesses should consider new comparability profit sharing contributions when 401(k) plan goals include maximizing owner contributions at the lowest cost
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![What’s Old Is New Again: “Mega Back Door” Roth IRA Contributions Spark New Interest in Old School After-Tax Contributions](http://www.employeefiduciary.com/hubfs/blog-files/mega-back-door-401k-high-earners.jpg)
What’s Old Is New Again: “Mega Back Door” Roth IRA Contributions Spark New Interest in Old School After-Tax Contributions
![](http://www.employeefiduciary.com/hubfs/images/Holly.jpg)
May 24th 2016
Simplified Roth IRA rollover rules have raised much media buzz about 401k after-tax contributions resulting in many small business owner inquiries.
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