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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.
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Senate Finance Committee holds a hearing today on “Retirement Savings 2.0.” Here is what they should address to help small business retirement plans.

Senate Finance Committee holds a hearing today on “Retirement Savings 2.0.” Here is what they should address to help small business retirement plans.

By: Greg Carpenter

September 16th 2014

Congress should provide greater incentives, 401k participation should become a serious commitment by the employee for their small business retirement plans
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Former DOL Deputy Director declares scandal in IRA rollovers. It’s a scandal, just not the one he thinks it is.

Former DOL Deputy Director declares scandal in IRA rollovers. It’s a scandal, just not the one he thinks it is.

By: Greg Carpenter

August 20th 2014

The scandal is that we do not have fiduciary standards in place that require brokers and other advisors to act in the clients’ IRA best interests.
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Former Obama administration official offers a plan to “fix” the tax incentives for retirement plans. Here is why it is dead wrong.

Former Obama administration official offers a plan to “fix” the tax incentives for retirement plans. Here is why it is dead wrong.

By: Greg Carpenter

July 30th 2014

Prominent politico offers a plan for getting more people to save for retirement. Here’s why I disagree. Change tax laws, not 401k rules for retirement plans
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GAO suggests changes to the Form 5500 to promote clarity and consistency. We agree.

GAO suggests changes to the Form 5500 to promote clarity and consistency. We agree.

By: Greg Carpenter

July 10th 2014

401k service providers dislike Form 5500 because completing the form for clients is like playing a game of Twister. Form 5500 fee disclosures are not consistent with others.
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Wall Street Journal article proposes sweeping changes to improve small business retirement plans – including simplifying fee disclosures and requiring index funds. Here’s our analysis.

Wall Street Journal article proposes sweeping changes to improve small business retirement plans – including simplifying fee disclosures and requiring index funds. Here’s our analysis.

By: Greg Carpenter

June 20th 2014

Employee Fiduciary breaks down Anna Prior, WSJ.com article (“How to Fix the 401(k)”) and the five reforms she recommends for small business retirement plans
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ERISA Section 404(c) turns forty this year. Here is a common sense proposal for meaningful reform.

ERISA Section 404(c) turns forty this year. Here is a common sense proposal for meaningful reform.

By: Greg Carpenter

April 3rd 2014

The Frugal Fiduciary proposes reform to ERISA Section 404(c) regulations – a safe harbor 401(k) plan that protects employees.
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The DOL asked for input on enhancing its 2012 fee disclosures rules and talking real change. Here are our suggestions on getting it done.

The DOL asked for input on enhancing its 2012 fee disclosures rules and talking real change. Here are our suggestions on getting it done.

By: Greg Carpenter

March 21st 2014

DOL, Assistant Secretary of Labor Borzi asks for input on 401(k) plan fee disclosure rules. We are happy to oblige.
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Yale law professor again hammers high fees and revenue sharing. With a few reservations, I like what they have to say.

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 has new paper on the 401(k) industry, 401(k) plans. Fees matter.
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