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Deadlines for 401(k) Adoption – Including SECURE Act Changes

Deadlines for 401(k) Adoption – Including SECURE Act Changes

By: Eric Droblyen

September 2nd 2020

The SECURE Act made it easier for businesses to adopt a new 401(k) plan or add a safe harbor feature to an existing plan by extending the deadlines to do so.
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COVID-19 – 401(k) FAQs for Business Owners and Plan Participants

COVID-19 – 401(k) FAQs for Business Owners and Plan Participants

By: Eric Droblyen

March 31st 2020

Many small business owners affected by COVID-19 want to know how to defray their 401(k) plan expenses or help workers tap their savings. Our FAQ can help.
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Safe Harbor 401(k) Plans: Answers To Common Questions

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

By: Eric Droblyen

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) Contribution Deadlines – You Don’t Want to Miss Them!

401(k) Contribution Deadlines – You Don’t Want to Miss Them!

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

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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Our Top 10 401(k) Blogs of 2016: What Topics Were the Most Popular?

Our Top 10 401(k) Blogs of 2016: What Topics Were the Most Popular?

By: Eric Droblyen

December 28th 2016

401(k) blogs related to plan design, administration and provider fees were the Frugal Fiduciary’s most popular in 2016. 
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When ADP/ACP Testing Fails, 401(k) Fiduciaries Should Understand Their Options

When ADP/ACP Testing Fails, 401(k) Fiduciaries Should Understand Their Options

By: Eric Droblyen

March 23rd 2016

March 15 was the deadline for most 401k plans to distribute 2015 ADP/ACP test corrections in order to avoid a 10% IRS excise tax. Small business 401k fiduciaries do not need to settle for annual ADP/ACP test failures. There are many ways ADP/ACP test returns can be avoided or reduced. Once a fiduciary understands these options, they can discuss them with their 401k provider.
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The Two-Headed Monster, Fairness and Safe Harbor Plans

The Two-Headed Monster, Fairness and Safe Harbor Plans

By: Greg Carpenter

August 23rd 2013

Safe harbor plans are built to meet the Fed’s “fairness” rules. The Frugal Fidcuiary muses on extending these ideas to all of retirement plan management.
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