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.

401(k) Fees: The Hidden Retirement Killer You Can Stop Today

By: Eric Droblyen
August 26th 2025
Even small 401(k) fees can drain hundreds of thousands from your retirement. Learn how to cut costs and keep more of your savings invested.
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401(k) Contribution Deadlines – You Don’t Want to Miss Them!

By: Eric Droblyen
August 12th 2025
Learn the deposit deadlines for employee and employer 401(k) contributions to ensure tax deductibility and regulatory compliance. Avoid IRS penalties with timely funding.
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Is Your Company Part of a Controlled Group? You Need to Know or Risk 401(k) Plan Disqualification

By: Eric Droblyen
July 30th 2025
Learn how IRS controlled group rules impact 401(k) plans, including SECURE 2.0 changes, family attribution, and risks of compliance failures.
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Safe Harbor 401(k) Plans: FAQs for Small Businesses

By: Eric Droblyen
July 15th 2025
Reduce 401(k) testing headaches and boost retirement savings—your top Safe Harbor 401(k) FAQs answered.
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Choosing Between a State‑Mandated Retirement Plan and a 401(k): A Guide for Small Business Owners

By: Eric Droblyen
July 1st 2025
Trying to decide between a state-mandated retirement plan and a 401(k)? Learn how the two options compare in terms of contributions, investment choices, costs, and employer responsibilities.
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State-Mandated Retirement Plans: What Small Business Owners Need to Know

By: Eric Droblyen
June 17th 2025
Learn which states require employers to offer retirement plans. Compare deadlines, penalties, and program features for state-mandated retirement plans—including CalSavers, OregonSaves, and more.
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401(k) Nonelective Contributions Explained: Safe Harbor, Profit Sharing, and QNECs

By: Eric Droblyen
June 3rd 2025
Learn about 401(k) nonelective contributions—safe harbor, profit sharing, and QNECs—and how they benefit employers and employees.
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401(k) Matching Contributions – What Employers Need to Know

By: Eric Droblyen
May 20th 2025
Explore 401(k) match types, safe harbor rules, Roth match options, and true-ups to design a plan that fits your business goals and budget.
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401(k) Distribution Rules: Frequently Asked Questions for Employers and Employees

By: Eric Droblyen
May 6th 2025
Understand 401(k) distribution rules, taxes, and rollover options with this updated FAQ for employers and employees, including SECURE Act changes.
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Classic vs. QACA Safe Harbor 401(k) Plans: How to Choose the Best Option for Your Business

By: Eric Droblyen
April 22nd 2025
Compare classic vs. QACA Safe Harbor 401(k) plans. Learn key differences, SECURE Act updates, and how to choose the best plan for your business.
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