Department of Labor (DOL)

The DOL and its internal agency, The Employee Benefits Security Administration (EBSA) have extensive information related to 401k fees and fiduciary responsibilities. This is a great starting point to understand the costs involved in a plan, as well as information pertaining to the Employee Retirement Income Security Act (commonly known as “ERISA.”)

General Information

Understanding Your Retirement Plan Fees Landing Page
A landing page of information breaking down retirement savings and 401k fees through a mixture of webcasts, videos, FAQs, publications and more.

Consumer Information on Retirement Plans
With a section dedicated just to 401ks, this landing page provides investor bulletins, information of plan fees and retirement savings guidance.

Tips For Selecting And Monitoring Service Providers For Your Employee Benefit Plan
A fact sheet designed to help business owners/plan sponsors select a qualified, competent service provider.

Selecting An Auditor For Your Employee Benefit Plan
If your employee benefit plan has 100 or more participants, federal law requires you to have an audit as part of your obligation to file Form 5500. This booklet offers guidance on selecting an auditor and reviewing the audit report.

Reporting and Disclosure Guide for Employee Benefit Plans (PDF)
This downloadable guide is a quick reference tool for certain basic reporting and disclosure requirements under ERISA. It is not a replacement for complete ERISA reporting and disclosure requirements.

Fiduciary Specific Information

Fiduciary Education Campaign
A series of seminars and webcasts that educate plan sponsors about their fiduciary responsibilities under ERISA.

ERISA Fiduciary Advisor
A tutorial providing information and answers to a variety of questions about who is a fiduciary and their responsibilities under ERISA.

Meeting Your Fiduciary Responsibilities
A booklet, also in Spanish, providing an overview of basic fiduciary responsibilities applicable to retirement plans.

Selecting And Monitoring Pension Consultants – Tips For Plan Fiduciaries
Developed by the DOL and the SEC, this set of questions helps fiduciaries evaluate the objectivity of recommendations provided by pension consultants.

Target Date Retirement Funds – Tips for ERISA Plan Fiduciaries
A basic introduction to Target Date Retirement Funds and what to keep in mind when choosing them as an investment option.

Fiduciary Requirements for Disclosure in Participant-Directed Individual Account Plans:
[Final Rule] [Fact Sheet] [Model Chart]

Fee-Related Information

Understanding Retirement Plan Fees And Expenses
This printer friendly booklet helps plan sponsors better understand and evaluate their 401k plan’s fees and expenses.

A Look At 401k Plan Fees
A printer-friendly booklet that answers common questions about fees and expenses paid by your 401k plan.

Maximize Your Retirement Savings – Tips on Using the Fee and Investment Information from Your Retirement Plan
Helpful guidance on how to evaluate the costs associated with investment choices in your plan.

401(k) Plan Fee Disclosure Tool (MS Word)
A downloadable form developed by banking, insurance and mutual fund trade groups to provide employers with a way to collect and compare investment fees and administrative costs of competing providers of plan services. This form was not developed by the Department and was not designed to ensure compliance with the Department’s regulations on service provider fee disclosure to plans or plan fee disclosure to 401(k) plan participants and beneficiaries.

Delinquent Filer Voluntary Compliance Program

For plan administrators who have fallen into delinquency, the Delinquent Filer Voluntary Compliance Program (DFVCP) offers a way to avoid potentially higher civil penalty assessments and voluntarily pay a reduced penalty amount. For more information, explore the links below:

Retirement Savings

Savings Fitness: A Guide to Your Money and Your Financial Future
Downloadable PDF guide provides an overview on the importance of financial planning to achieve your retirement goals.

Taking The Mystery Out Of Retirement Planning
An e-book with interactive worksheets targeted to individuals who are 10 to 15 years away from retirement.

Top 10 Ways To Prepare For Retirement
Easy to read list highlights 10 things to remember when planning for retirement.

Women and Retirement Savings
Learn why retirement savings are especially important for women and how smart financial planning pays off in the retirement years.

Employee Specific Information

What You Should Know About Your Retirement Plan
A printer-friendly booklet with information on how to monitor your retirement plan and benefits.

10 Warning Signs That Your 401k Contributions are Being Misused
Ensure your 401k contributions are being properly managed.

New Employee Savings Tips – Time Is On Your Side
Directed at young employees, this information highlights the benefits of retirement planning and encourages them to participate in their company’s plan.

Investing And Diversification
Resources that explain different types of investments and the importance of diversification in any investment portfolio.

Investing And Diversification
Resources that explain different types of investments and the importance of diversification in any investment portfolio.

FAQs About Social Security Administration (SSA) Potential Private Benefit Information Notice
Filing a claim for Social Security benefits? You may receive a private benefit notice — a reminder about private employer benefits that you have earned.

Employer Bankruptcy: How Will it Affect Your Employee Benefits?
Facts about your retirement benefits when faced with your employer’s bankruptcy.

Retirement and Health Care Coverage…Questions and Answers for Dislocated Workers
For employees who have lost their job, this Q&A guide provides information on retirement and health benefits.

Retirement and Health Care Benefits…Questions and Answers for Reservists (PDF)
Members of U.S. military reserves have special concerns when deploying for duty. This Q&A guide addresses their unique situation with regards to retirement and health care benefits.

Other Resources and Information

Target Date Retirement Funds Investor Bulletin
Covers basic information about this type of fund and how to evaluate its inclusion in your investment mix.

How to Tell Whether Your Adviser is Working in Your Best Interest: A Fiduciary Guide for 
Individual Consumers
A fiduciary is bound to serve you with no conflicts of interest. This list of questions will help you evaluate a potential advisor.

Ten Common Causes of Errors in Pension Calculation and Consumer tips for Safeguarding Your Pension
Tease out potential errors in pension calculation and learn how you can safeguard your pension.

Cash Balance Pension Plans
A definition of these plans and how they differ from 401ks and traditional pension plans.

QDROs: Qualified Domestic Relations Orders
Information on dividing a plan participant’s interest in a retirement plan under the qualified domestic relations order, or “QDRO.”

Other ERISA Related Regulations, Interpretations, Opinions, that affect Pension Plans
A landing page for the laws and regulations related to ERISA.

Abandoned Plan Search
Conduct a search query and learn if a plan has been (or is in the process of being) terminated.

Critical, Endangered and WRERA Status Notices
A listing of notices about multi-employer pension plans that are experiencing funding or liquidity problems.

Pension Plan Actuarial Information Search
Instructions on conducting a search query of pension plans and their technical data regarding the ability of the plan to pay out benefits as promised.