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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.
Safe Harbor 401(k) Plans: Answers To Common Questions

Safe Harbor 401(k) Plans: Answers To Common Questions

By: Brian Furgala

March 18th 2020

Safe harbor 401(k) plans are increasingly popular with small businesses. Our FAQ can help owners decide if one is right for their company.
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Traditional Safe Harbor 401(k) Plan vs. QACA – How to Choose

Traditional Safe Harbor 401(k) Plan vs. QACA – How to Choose

By: Eric Droblyen

August 21st 2019

There are two basic types of safe harbor 401(k) plans available today – traditional and QACA. Business owners should understand their differences.
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Safe Harbor or Traditional 401(k) Plan – How to Decide

Safe Harbor or Traditional 401(k) Plan – How to Decide

By: Eric Droblyen

March 6th 2019

Safe harbor 401(k) plans are the most popular type of 401(k) used by small businesses today, but they are not the best fit for every small business.
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401(k) Matching Contributions – What Employers Need to Know

401(k) Matching Contributions – What Employers Need to Know

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?

Are Profit Sharing Contributions Right for Your 401(k) Plan?

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?

New Comparability 401(k) Plans - Are They Right for Your Small Business?

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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401(k) Eligibility: When to Let Employees Join Your 401(k) Plan

401(k) Eligibility: When to Let Employees Join Your 401(k) Plan

By: Eric Droblyen

December 14th 2016

Company goals, employee demographics and plan features are all factors small business 401k fiduciaries should consider when choosing 401k eligibility terms
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Plan Participation Problems? No Problem

Plan Participation Problems? No Problem

By: Holly Roussel-Godfrey

May 10th 2016

Sometimes it can be a struggle for plan sponsors to encourage participation in their company’s 401k plan. Plan design options as well as participant education can make a huge difference in participant interest and enthusiasm about saving.
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401(k) Plan Design – Our Checklist Can Make the Process Simple

401(k) Plan Design – Our Checklist Can Make the Process Simple

By: Eric Droblyen

November 4th 2015

401(k) plan design for small businesses does not need to be difficult. Retirement plan eligibility, compensation, contributions, vesting, distributions and loans are the basics.
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Reforming Roth provisions may be key to improving savings rates for Millennials. My proposal.

Reforming Roth provisions may be key to improving savings rates for Millennials. My proposal.

By: Greg Carpenter

November 20th 2014

Millennials are not saving enough for retirement. The Roth 401k concept is outstanding and provides an excellent way to build long-term wealth with tax benefits
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