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The Top 4 Lies Told by 401(k) Providers

The Top 4 Lies Told by 401(k) Providers

By: Eric Droblyen

March 22nd 2017

Some 401(k) providers lie to excuse excessive fees or mask inexperience. With some basic facts, 401(k) fiduciaries can easily debunk the lies.
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Finding Hidden 401(k) Fees in Participant Disclosure Notices

Finding Hidden 401(k) Fees in Participant Disclosure Notices

By: Eric Droblyen

February 8th 2017

Hidden 401(k) fees, like revenue sharing and variable annuity wrap charges reduce 401(k) balances. 401(k) participants must understand when they apply.
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Asset-Based 401(k) Admin Fees Are Unreasonable; Fiduciaries Should Avoid Them

Asset-Based 401(k) Admin Fees Are Unreasonable; Fiduciaries Should Avoid Them

By: Eric Droblyen

October 19th 2016

The best small business 401k providers charge low transparent fees based on participant headcount, not assets. A 401k fiduciary should not settle for less.
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3 Questions for Calculating Small Business 401(k) Provider Fees

3 Questions for Calculating Small Business 401(k) Provider Fees

By: Eric Droblyen

October 5th 2016

Small businesses have a fiduciary responsibility to keep 401k plan expenses reasonable for participants. Three questions can help find service provider fees.
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(Possibly) The Biggest Small Business 401(k) Fee Study Ever!

(Possibly) The Biggest Small Business 401(k) Fee Study Ever!

By: Eric Droblyen

August 24th 2016

Small business 401k fee data is difficult to find. Employee Fiduciary has summarized the fees of 121 401k plans with an average of $1M in plan assets
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John Oliver Should Be Upset; His Hancock 401k Fees Are Too High!

John Oliver Should Be Upset; His Hancock 401k Fees Are Too High!

By: Eric Droblyen

June 29th 2016

John Oliver attacks his company’s John Hancock 401k plan. Hancock makes misleading statements in rebuttal. What’s the truth about Hancock 401k fees?
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Clarity in a Complex World? A 408b-2 Review

Clarity in a Complex World? A 408b-2 Review

By: Eric Droblyen

July 1st 2015

401k fees disclosures are too complicated for the average 401k fiduciary.
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New Year’s Resolution # 1 for Fiduciaries – “I WILL Evaluate My 401(k) Plan Fees

New Year’s Resolution # 1 for Fiduciaries – “I WILL Evaluate My 401(k) Plan Fees"

By: Eric Droblyen

December 30th 2014

ERISA requires 401(k) sponsors, and any other fiduciary, to ensure that the services provided to their plan are necessary with fair 401(k) Plan Fees
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Edison International case highlights a needed reform: Share class restrictions in 401(k) plans.

Edison International case highlights a needed reform: Share class restrictions in 401(k) plans.

By: Greg Carpenter

October 23rd 2014

The time has come for share class reform in 401(k) plans. The use of multiple share classes for mutual funds in 401k plans is confusing small business retirement plan sponsors.
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Revenue sharing is on the decline in 401(k) plans. Three reasons why it will soon be gone altogether.

Revenue sharing is on the decline in 401(k) plans. Three reasons why it will soon be gone altogether.

By: Greg Carpenter

July 16th 2014

Revenue sharing is the practice of adding additional non-investment related fees to the expense ratio of a mutual fund. The investors don’t see the fees being deducted.
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