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.
401k Investment Advice – Pros and Cons of the 3 Basic Forms
401(k) participants can receive professional investment advice from a mutual fund, financial advisor, or algorithm today. Each advice form has pros and consRead More
Hardship 401(k) Distributions – Frequently Asked Questions
At first blush, the 401(k) hardship distribution rules can seem overwhelming. In truth, most can be understood with some basic education. Our FAQ can help.Read More
401(k) Contribution Deadlines – You Don’t Want to Miss Them!
When 401(k) contributions - employee or employer - are deposited late, there are consequences for employers. With some education, they are easily avoided.Read More
2018 Small Business 401(k) Fee Study – What’s Too High?
Are my 401(k) fees too high?” is a common question asked by both plan sponsors and participants. Our small business fee study can give some perspective.Read More
Calculating American Funds 401(k) Fees Using Their 408b-2
American Funds is one of the largest 401k providers in the nation. Their 408b-2 fee disclosure is also one of the worst. Here are steps for deciphering it.Read More
Apathy is the #1 Source of 401(k) Liability – It’s Easy to Avoid
401(k) fiduciary responsibilities are manageable once they’re understood. The problem is many small businesses don’t make the effort.Read More
TSP-like 401(k)s + Tax Credits = More Small Business Plans
Multiple Employers Plans (MEPs) are promoted as a way to expand small business retirement coverage. TSP-like 401ks and tax credits would do a better jobRead More
How Trump’s Executive Order on Retirement Plans Falls Short
Multiple Employer 401(k) Plans (MEPs) are not the answer for expanding small business retirement plan coverage. Other reforms would be more effective.Read More
How to Total Paychex 401(k) Fees Using Their 408b-2 Disclosure
Paychex is one of the largest 401(k) providers in country. Their 408b-2 fee disclosure is also one of the worst. Here are 3 steps for deciphering it.Read More
Calculating ADP 401(k) Fees Using Their 408b-2 Disclosure
ADP is one of the largest 401(k) providers in country. Their 408b-2 fee disclosure is also one of the worst. Here are 3 steps for deciphering it.Read More