Search for topics or resources
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.
The Basics of 401(k) Nondiscrimination Testing

The Basics of 401(k) Nondiscrimination Testing

By: Eric Droblyen

July 31st 2021

401(k) plans must pass nondiscrimination tests each year to confirm HCEs do not disproportionately benefit and that no IRS contribution limits are exceeded.
Read More
401(k) Annual Administration - A Checklist for Business Owners (2022)

401(k) Annual Administration - A Checklist for Business Owners (2022)

By: Eric Droblyen

July 31st 2021

An important 401(k) fiduciary responsibility is ensuring plan administration tasks are completed timely each year. Our checklist makes this job easy.
Read More
401(k) Retirement Planning – 4 Steps to Retire Faster

401(k) Retirement Planning – 4 Steps to Retire Faster

By: Eric Droblyen

July 31st 2021

Some basic retirement planning can dramatically reduce the cost of retirement for 401k participants. Our 4-step plan requires no investing knowledge at all.
Read More
401(k) Fiduciary Responsibilities

401(k) Fiduciary Responsibilities

By: Eric Droblyen

July 31st 2021

Meeting 401(k) fiduciary responsibilities does not need to be scary or time-consuming for small business plan sponsors. Following some simple guidance is the key.
Read More
401(k) Withdrawal Rules – Frequently Asked Questions

401(k) Withdrawal Rules – Frequently Asked Questions

By: Eric Droblyen

July 31st 2021

Frequently asked questions about when 401(k) distributions are allowed.
Read More
401(k) Investment Basics for Employers

401(k) Investment Basics for Employers

By: Eric Droblyen

July 31st 2021

Stay up to date on 401(k) investments with Employee Fiduciary's Employer Resources from our free 401(k) Help Center.
Read More
The Benefits of a 401(k) Plan for Employers and Employees

The Benefits of a 401(k) Plan for Employers and Employees

By: Eric Droblyen

July 31st 2021

When a small business offers a 401(k) plan, it’s often a win-win for business owners and employees. Here are some of the top benefits of these plans.
Read More
Plan Compensation - The Basis For All 401(k) Contributions

Plan Compensation - The Basis For All 401(k) Contributions

By: Eric Droblyen

July 31st 2021

Learn how to properly apply the definition of compensation to your 401(k).
Read More
401(k) Plan Design – An Overview

401(k) Plan Design – An Overview

By: Eric Droblyen

July 31st 2021

Learn everything you need to know to design a 401(k) plan that meets your company’s goals.
Read More
Shopping For a 401k Plan Doesn’t Need To Be Overwhelming For Small Businesses; A Checklist Can Help

Shopping For a 401k Plan Doesn’t Need To Be Overwhelming For Small Businesses; A Checklist Can Help

By: Eric Droblyen

July 31st 2021

401k provider services can vary dramatically in breadth, depth and price. This variability can make it difficult for small business 401k fiduciaries to select providers with services that match their plan’s needs at a reasonable price. A checklist can make this job easier.
Read More
401(k) Fee Study - 75% of Small Business Plans Pay Hidden Fees

401(k) Fee Study - 75% of Small Business Plans Pay Hidden Fees

By: Eric Droblyen

July 31st 2021

“Are my 401(k) fees too high?” is a common question asked by both plan sponsors and participants. Our small business fee study can give some perspective.
Read More
Deadlines for 401(k) Nondiscrimination Testing

Deadlines for 401(k) Nondiscrimination Testing

By: Eric Droblyen

July 30th 2021

While a professional TPA usually completes 401k testing, employers must understand the deadlines that apply to test corrections and contribution deposits.
Read More
Want to Retire Early? Three 401(k) Features That Can Help

Want to Retire Early? Three 401(k) Features That Can Help

By: Eric Droblyen

July 30th 2021

For 401(k) participants to reach their retirement savings goal as soon as possible, they will need help from their plan. These are the features they'll need.
Read More
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

July 30th 2021

When 401(k) contributions - employee or employer - are deposited late, there are consequences for employers. With some education, they are easily avoided.
Read More
Is Your Company Part of a Controlled Group?  You Need to Know or Risk 401(k) Plan Disqualification

Is Your Company Part of a Controlled Group?  You Need to Know or Risk 401(k) Plan Disqualification

By: Eric Droblyen

July 30th 2021

IRS controlled group rules often obligate 2 or more employers with common ownership to cover their employees with the same 401k plan in order to pass annual nondiscrimination testing.
Read More
Small Business 401(k) Plan Design Study - What 3,975 401(k) Plans Are Doing

Small Business 401(k) Plan Design Study - What 3,975 401(k) Plans Are Doing

By: Eric Droblyen

July 30th 2021

The right 401(k) plan design can help a small business meet plan goals at the lowest possible cost. Our study summarizes the designs of 3,975 401(k) plans
Read More
Switching 401(k) Providers – What to Expect

Switching 401(k) Providers – What to Expect

By: Eric Droblyen

July 30th 2021

Learn what to expect and how to avoid common pitfalls when switching 401(k) providers.
Read More
The Fiduciary Hierarchy Applicable to All 401(k) Plans

The Fiduciary Hierarchy Applicable to All 401(k) Plans

By: Eric Droblyen

July 30th 2021

Learn how fiduciary responsibility is allocated among different agents in your retirement plan.
Read More
401(k) Loan Rules – What Plan Participants Need to Know

401(k) Loan Rules – What Plan Participants Need to Know

By: Eric Droblyen

July 30th 2021

Need to take a loan from your 401(k)? Learn everything you need in this guide.
Read More
Small Business 401(k) Tax Credits – Including SECURE Act Enhancements

Small Business 401(k) Tax Credits – Including SECURE Act Enhancements

By: Eric Droblyen

July 30th 2021

The SECURE Act lowered the out-of-pocket cost of starting a new small business 401(k) plan by enhancing the tax credits available to business owners.
Read More
Options for Picking a 401(k) Investment Menu

Options for Picking a 401(k) Investment Menu

By: Eric Droblyen

July 30th 2021

Learn how to pick an ERISA-compliant 401(k) investment lineup in this short guide.
Read More
401(k) Fees - What You Need to Know About The 3 Major Categories

401(k) Fees - What You Need to Know About The 3 Major Categories

By: Eric Droblyen

July 30th 2021

The DOL places 401(k) fees into 3 major categories. Learn everything you need to know about each in this quick read.
Read More
Best Practices for Avoiding 401(k) Fiduciary Liability

Best Practices for Avoiding 401(k) Fiduciary Liability

By: Eric Droblyen

July 29th 2021

Picking the right low cost 401k plan provider can help small business retirement plans meet 401k fiduciary responsibilities.
Read More
How Much Time Does Annual 401(k) Administration Take?

How Much Time Does Annual 401(k) Administration Take?

By: Eric Droblyen

July 29th 2021

401(k) administration shouldn't take small businesses much time. A quality provider will do the heavy lifting, leaving an owner with basic tasks to complete.
Read More
Roth vs. Pre-Tax 401(k) Deferrals – How to Choose

Roth vs. Pre-Tax 401(k) Deferrals – How to Choose

By: Eric Droblyen

July 29th 2021

If your 401(k) plan permits Roth deferrals, it can be worth your time to decide whether they're a better choice than traditional deferrals for your account.
Read More
Deadlines for 401k Adoption – Including SECURE Act Changes

Deadlines for 401k Adoption – Including SECURE Act Changes

By: Eric Droblyen

July 29th 2021

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.
Read More
The Coverage Test - What You Need to Know

The Coverage Test - What You Need to Know

By: Eric Droblyen

July 29th 2021

The IRC section 410(b) coverage test ensures a 401(k) plan sufficiently covers Non-Highly Compensated Employees. Employers should understand its basics.
Read More
Hardship Distributions – Frequently Asked Questions

Hardship Distributions – Frequently Asked Questions

By: Eric Droblyen

July 29th 2021

Whether you’re a participant or a sponsor, learn everything you need to know about hardship distributions.
Read More
Roth 401(k) Deferrals — Answers to Common Questions

Roth 401(k) Deferrals — Answers to Common Questions

By: Eric Droblyen

July 29th 2021

66% of 401(k) participants make after-tax Roth deferrals. Learn why in this easy-to-read guide.
Read More
Safe Harbor 401(k) Plans - Frequently Asked Questions

Safe Harbor 401(k) Plans - Frequently Asked Questions

By: Eric Droblyen

July 29th 2021

Safe harbor 401(k) plans are the most popular type of small business 401(k) today. Check out our FAQ to help decide whether one is right for your company.
Read More
4 Traits of the Best Small Business 401k Providers

4 Traits of the Best Small Business 401k Providers

By: Eric Droblyen

July 29th 2021

America's Best Small Business 401k Providers have 4 traits in common. 401k fiduciaries should look for these traits when shopping for 401k services.
Read More
How Compound Interest and Dollar Cost Averaging Grow Savings Over Time

How Compound Interest and Dollar Cost Averaging Grow Savings Over Time

By: Eric Droblyen

July 29th 2021

Saving for retirement can seem futile when you can't afford to contribute much to a 401(k) plan. Compound interest and dollar-cost averaging can help.
Read More
'Hidden' 401(k) Fees – What Business Owners Need to Know

'Hidden' 401(k) Fees – What Business Owners Need to Know

By: Eric Droblyen

July 28th 2021

Hidden administration fees increase the cost of investing for 401(k) participants - reducing their returns. Here are the most common and how to uncover them.
Read More
401(k) vs SIMPLE IRA: Which is Right for Your Business?

401(k) vs SIMPLE IRA: Which is Right for Your Business?

By: Eric Droblyen

July 28th 2021

401(k) or SIMPLE IRA? The kind of plan you pick could have an enormous impact on the finances of everyone involved in your business. Choose wisely.
Read More
401(k) Required Minimum Distributions (RMDs) – What You Need to Know

401(k) Required Minimum Distributions (RMDs) – What You Need to Know

By: Eric Droblyen

July 28th 2021

After a certain age, participants are required to take minimum distributions to avoid tax penalties. Learn more in this FAQ.
Read More
401(k) Matching Contributions – Are They Right For Your Plan?

401(k) Matching Contributions – Are They Right For Your Plan?

By: Eric Droblyen

July 28th 2021

Learn about the different types of 401(k) matching contributions in this quick read.
Read More
Safe Harbor or Traditional 401(k) Plan – How to Decide

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

By: Eric Droblyen

July 28th 2021

Not sure if you need a Safe Harbor 401(k)? Read this guide to learn more.
Read More
401(k) Eligibility - When to Let Employees Join Your Plan

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

By: Eric Droblyen

July 28th 2021

401(k) eligibility is an important part of a well-designed retirement plan. Learn what you need to know in this quick read.
Read More
Don’t Let Your 401(k) Provider Hide the Cost of Your Plan

Don’t Let Your 401(k) Provider Hide the Cost of Your Plan

By: Eric Droblyen

July 28th 2021

401(k) providers can charge different fees for comparable services and investments. To avoid excessive fees, employers must know the cost of their plan.
Read More
Apathy is the #1 Source of 401(k) Liability – It’s Easy to Avoid

Apathy is the #1 Source of 401(k) Liability – It’s Easy to Avoid

By: Eric Droblyen

July 28th 2021

401(k) fiduciary responsibilities are manageable once they’re understood. The problem is many small businesses don’t make the effort.
Read More
401(k) Investment Advice - Pros and Cons of  the 3 Major Forms

401(k) Investment Advice - Pros and Cons of  the 3 Major Forms

By: Eric Droblyen

July 28th 2021

401(k) participants can receive professional investment advice from a mutual fund, financial advisor, or algorithm today. Each advice form has pros and cons
Read More
Cost Matters - How Much Lower 401(k) Fees Can Increase Savings

Cost Matters - How Much Lower 401(k) Fees Can Increase Savings

By: Eric Droblyen

July 27th 2021

Cost matters a LOT when saving for retirement. Even 401(k) fee small reductions today can mean much higher account balances for participants in retirement.
Read More
401(k) Vesting Schedules – What They Are and How They Work

401(k) Vesting Schedules – What They Are and How They Work

By: Eric Droblyen

July 27th 2021

Learn everything you need to know about 401(k) vesting schedules in this short guide.
Read More
Pooled vs. Single-Employer 401(k) Plans - Are PEPs for You?

Pooled vs. Single-Employer 401(k) Plans - Are PEPs for You?

By: Eric Droblyen

July 27th 2021

Supporters claim Pooled Employer Plans (PEPs) offer lower 401k fees and greater liability protection than single-employer plans. They rarely deliver either.
Read More
The ADP and ACP Tests - What You Need to Know

The ADP and ACP Tests - What You Need to Know

By: Eric Droblyen

July 27th 2021

Learn about the ADP & ACP tests – the two of the three main 401(k) nondiscrimination tests.
Read More
Form 5500 - Answers to Frequently Asked Questions

Form 5500 - Answers to Frequently Asked Questions

By: Eric Droblyen

July 27th 2021

Answers to common questions about Form 5500 filing requirements.
Read More
Profit Sharing Contributions – Are They Right For Your 401(k) Plan?

Profit Sharing Contributions – Are They Right For Your 401(k) Plan?

By: Eric Droblyen

July 27th 2021

Profit sharing 401(k) contributions are a great way to maximize owner contributions or reward key employees. Learn more in this short read.
Read More
Safe Harbor vs. QACA 401(k) Plan – How to Decide

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

By: Eric Droblyen

July 27th 2021

There are two basic types of safe harbor 401(k) plans available today – traditional and QACA. Business owners should understand their differences.
Read More
401(k) Fees - Administrative vs. Settlor Plan Expenses

401(k) Fees - Administrative vs. Settlor Plan Expenses

By: Eric Droblyen

July 27th 2021

Only certain types of 401(k) fees are allowed to be paid from plan assets – read our short guide to learn which.
Read More
3 Warning Signs Your 401(k) Provider is Ripping You Off

3 Warning Signs Your 401(k) Provider is Ripping You Off

By: Eric Droblyen

July 27th 2021

If you’re a business owner, you must know how much your 401(k) plan costs because the consequences for paying excessive fees are high.
Read More
401(k) Fiduciary Outsourcing – The Roles Most Prone to Abuse

401(k) Fiduciary Outsourcing – The Roles Most Prone to Abuse

By: Eric Droblyen

July 27th 2021

Multiple-Employer 401k Plans (MEPs) require business owners to delegate fiduciary roles to their provider. This delegation makes MEPs highly prone to abuse.
Read More
How to Allocate 401(k) Fees Among Plan Participants

How to Allocate 401(k) Fees Among Plan Participants

By: Eric Droblyen

July 27th 2021

Learn rules and formulas for how you can allocate 401(k) fees amongst your plan participants.
Read More
How to Lobby Your Employer for a Better 401(k) Plan

How to Lobby Your Employer for a Better 401(k) Plan

By: Eric Droblyen

July 26th 2021

401(k) plans with top investments and no admin fees can help you retire years sooner by delivering much higher returns. Here's how to lobby for such a plan.
Read More
Solo 401(k) Plans – Their Benefits to Self-Employed Workers

Solo 401(k) Plans – Their Benefits to Self-Employed Workers

By: Eric Droblyen

July 26th 2021

Solo - or individual - 401k plans cover business owners and their spouses only. They allow plan participants to make maximum deductible contributions – including “mega back door” Roth IRA contributions – up to the 415 limit.
Read More
401(k) Fidelity Bonds – Frequently Asked Questions

401(k) Fidelity Bonds – Frequently Asked Questions

By: Eric Droblyen

July 26th 2021

An ERISA fidelity bond protects 401(k) plan participants against losses caused by acts of fraud or dishonesty. Employers should understand their basics.
Read More
The Top Heavy Test - What You Need to Know

The Top Heavy Test - What You Need to Know

By: Eric Droblyen

July 26th 2021

Learn everything you need to know about the Top Heavy Test – an important 401(k) nondiscrimination test.
Read More
Contribution Limits - What You Need to Know

Contribution Limits - What You Need to Know

By: Eric Droblyen

July 26th 2021

Stay up to date on 401(k) contributions with Employee Fiduciary's Employer Resources from our free 401(k) Help Center.
Read More
401(k) Participant Disclosure - What Employers Need to Know

401(k) Participant Disclosure - What Employers Need to Know

By: Eric Droblyen

July 26th 2021

Learn your responsibilities for sending disclosures to your 401(k) participants in this quick read.
Read More
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

July 26th 2021

Learn the ins and outs of new comparability 401(k) plans in this easy-to-read guide.
Read More
Automatic Enrollment – Is It Right for Your 401(k) Plan?

Automatic Enrollment – Is It Right for Your 401(k) Plan?

By: Eric Droblyen

July 26th 2021

Automatic enrollment is an excellent 401(k) feature, but it’s not right for everyone. Learn more in this short guide.
Read More
Employers Should Avoid Providers That Treat 401(k) Plans Like a Product, Not a Service

Employers Should Avoid Providers That Treat 401(k) Plans Like a Product, Not a Service

By: Eric Droblyen

July 26th 2021

Insurance and mutual fund companies treat 401k plans like a product by restricting fund and plan design options. Plan Sponsors need impartial and consultative advice instead
Read More
Reasons to Pay 401(k) Fees from Corporate Bank Account

Reasons to Pay 401(k) Fees from Corporate Bank Account

By: Eric Droblyen

July 26th 2021

Learn the 4 valuable benefits small business owners earn when they pay their 401k administration fees from a corporate bank account.
Read More
Revenue Sharing - 5 Reasons for 401(k) Fiduciaries to Avoid it

Revenue Sharing - 5 Reasons for 401(k) Fiduciaries to Avoid it

By: Eric Droblyen

July 25th 2021

Revenue sharing makes it harder than necessary to meet 401(k) fiduciary responsibilities. Employers should pay direct 401(k) fees instead.
Read More
401(k) Earned Income – What You Need to Know

401(k) Earned Income – What You Need to Know

By: Eric Droblyen

July 25th 2021

401(k) plans must allocate and test the contributions made to self-employed individuals using a special definition of plan compensation called earned income.
Read More
403(b) vs. 401(k) Plans for Non-Financial People

403(b) vs. 401(k) Plans for Non-Financial People

By: Holly Roussel-Godfrey

July 25th 2021

These two big differences are truly all you need to know when deciding between a 403(b) or 401(k) plan – their eligibility and testing requirements.
Read More
401(k) Distributions - What You Need to Know

401(k) Distributions - What You Need to Know

By: Eric Droblyen

July 25th 2021

401(k) plans have distribution rules that are tied to your age and employment status. If you don’t understand your plan’s rules, you can pay unnecessary taxes.
Read More
Preventing Identity Theft in a Retirement Program as an Employer

Preventing Identity Theft in a Retirement Program as an Employer

By: Eric Droblyen

July 25th 2021

Identity theft is a big problem with retirement plans. Learn the steps you can take to protect your participants.
Read More
Design a 401(k) Plan Like a Pro in 6 Steps

Design a 401(k) Plan Like a Pro in 6 Steps

By: Eric Droblyen

July 25th 2021

Expert 401(k) plan design can help small business owners meet their plan goals for thousands less. The process can be completed in 30 minutes or less.
Read More
401(k) Rollovers – What Employers Need to Know

401(k) Rollovers – What Employers Need to Know

By: Eric Droblyen

July 25th 2021

Learn everything you need to know about allowing or managing rollovers in your retirement plan.
Read More
The Top 4 Lies Told by 401(k) Providers

The Top 4 Lies Told by 401(k) Providers

By: Eric Droblyen

July 25th 2021

Some 401(k) providers lie to excuse excessive fees or mask inexperience. With some basic facts, 401(k) fiduciaries can easily debunk the lies.
Read More
Ownership Attribution Rules that Apply when 401(k) Testing

Ownership Attribution Rules that Apply when 401(k) Testing

By: Eric Droblyen

July 24th 2021

Under the 401(k) family attribution rules, individuals are attributed the ownership of family members. These rules can greatly affect plan test results.
Read More
The 5 Most Popular Small Business 401(k) Plan Features

The 5 Most Popular Small Business 401(k) Plan Features

By: Eric Droblyen

July 24th 2021

Different 401(k) “types” (safe harbor, Roth, profit sharing, etc…) are in fact different contribution “features” that a plan can combine in numerous ways.
Read More
Replacing SIMPLE IRAs with a 401(k) – Frequently Asked Questions

Replacing SIMPLE IRAs with a 401(k) – Frequently Asked Questions

By: Eric Droblyen

July 24th 2021

Replacing a small business SIMPLE IRA with a 401(k) is not a complicated process, but it does require planning. Our FAQ can help the process go smoothly.
Read More
Asset-Based 401(k) Admin Fees - Keep Them to a Minimum!

Asset-Based 401(k) Admin Fees - Keep Them to a Minimum!

By: Eric Droblyen

July 24th 2021

When a 401(k) provider charges asset-based admin fees, plan with lots of assets can pay way more for comparable admin services than plans with fewer assets
Read More
Lost Participants – What Employers Need to Know

Lost Participants – What Employers Need to Know

By: Eric Droblyen

July 24th 2021

One of the most frustrating issues plan sponsors run into is locating “lost” participants. Learn how to handle this issue in this quick read.
Read More
Voluntary Contributions - Probably Not a Fit for Your 401(k) Plan

Voluntary Contributions - Probably Not a Fit for Your 401(k) Plan

By: Eric Droblyen

July 24th 2021

Voluntary 401k contributions are after-tax employee contributions like Roth deferrals, but subject to different ERISA rules.
Read More
401(k) Rollovers – Frequently Asked Questions

401(k) Rollovers – Frequently Asked Questions

By: Eric Droblyen

July 24th 2021

Is a 401(k) rollover right for you? Learn what you need to know in this quick guide.
Read More
401(k) Amendment Rules – Strict, but (Mostly) Straightforward

401(k) Amendment Rules – Strict, but (Mostly) Straightforward

By: Eric Droblyen

July 23rd 2021

The Internal Revenue Service has strict rules for amending 401(k) plan documents. To stay out of trouble, employers should understand some amendment basics.
Read More
401(k) Rollovers - How to Evaluate Your Options

401(k) Rollovers - How to Evaluate Your Options

By: Eric Droblyen

July 23rd 2021

401(k)s and IRAs can offer wide-ranging investments, fees, and features. Making a bad rollover decision can set your retirement back years.
Read More
Starting a 401k? A Short Initial Plan Year is Probably a Bad Idea

Starting a 401k? A Short Initial Plan Year is Probably a Bad Idea

By: Eric Droblyen

July 23rd 2021

401(k) plans must define a plan year cycle for annual administration. Most new plans should avoid a short plan year for first year administration.
Read More
Terminating Your Plan? Here’s What You Need to Know

Terminating Your Plan? Here’s What You Need to Know

By: Eric Droblyen

July 22nd 2021

Terminating your plan isn’t as simple as just walking away. Learn what you need to know in this guide.
Read More
Vesting Schedules – Everything You Need to Know

Vesting Schedules – Everything You Need to Know

By: Eric Droblyen

July 22nd 2021

As a 401(k) participant, understanding your vesting schedule is crucial. Learn what you need to know in this short guide.
Read More
Top 10 401(k) Mistakes Found in the IRS Voluntary Compliance Program

Top 10 401(k) Mistakes Found in the IRS Voluntary Compliance Program

By: Eric Droblyen

July 21st 2021

Severe consequences can result when a 401(k) plan fails to meet one or more of the plan qualification requirements – including IRS penalties for the employer.
Read More
Acquisition or Merger? Don’t Overlook the Seller’s 401(k) Plan!

Acquisition or Merger? Don’t Overlook the Seller’s 401(k) Plan!

By: Eric Droblyen

July 21st 2021

After acquiring a company with a 401k, there 3 options for the plan - merge it into their own plan, keep it stand-alone, or terminate it.
Read More
Preventing Identify Theft in Your Retirement Plan

Preventing Identify Theft in Your Retirement Plan

By: Eric Droblyen

July 21st 2021

Identify theft is a big problem with retirement plans. Luckily there are steps you can take to prevent it. Learn more in this FAQ.
Read More
What to Do When Your Retirement Plan Terminates

What to Do When Your Retirement Plan Terminates

By: Eric Droblyen

July 20th 2021

Is your employer terminating your retirement plan? Learn what to do in this easy-to-read guide.
Read More
How to Select an Auditor for the Form 5500

How to Select an Auditor for the Form 5500

By: Eric Droblyen

July 20th 2021

Choosing a good 401(k) auditor is crucial for your audit. Learn how to do it in this quick guide.
Read More
How to Reclaim Your Retirement Plan with a Previous Employer

How to Reclaim Your Retirement Plan with a Previous Employer

By: Eric Droblyen

July 19th 2021

Have a 401(k) with an old employer? Learn what to do in this easy-to-read guide.
Read More
Why Fee Levelization Does Not Make Revenue Sharing Okay

Why Fee Levelization Does Not Make Revenue Sharing Okay

By: Eric Droblyen

July 5th 2021

401(k) fee levelization is a technique providers use to justify hidden 401(k) fee practices. Learn why this practice is bad in this quick read.
Read More
401(k) Mutual Funds - Pay Attention to Share Class!

401(k) Mutual Funds - Pay Attention to Share Class!

By: Eric Droblyen

July 4th 2021

Mutual funds are often available in multiple share classes. To serve the best interest of 401k participants, the least expensive share class should be used.
Read More
ERISA 404(c) - DOL Fee Disclosure Rules Makes Compliance Easy

ERISA 404(c) - DOL Fee Disclosure Rules Makes Compliance Easy

By: Eric Droblyen

July 3rd 2021

ERISA 404(c) protects 401k fiduciaries from participant investment losses. Participant fee disclosure regulations under ERISA 404a-5 make ERISA 404(c) compliance easier.
Read More
How to Calculate Your All-In 401(k) Fee

How to Calculate Your All-In 401(k) Fee

By: Eric Droblyen

July 3rd 2021

Learn step-by-step how to calculate the total 401(k) fee in this short, easy-to-read guide.
Read More
The SPIVA Scorecard – A Must-Read for 401(k) Fiduciaries

The SPIVA Scorecard – A Must-Read for 401(k) Fiduciaries

By: Eric Droblyen

July 2nd 2021

The SPIVA Scorecard measures the percentage of active funds that outperform their market benchmark over specific periods of time, net of fees. Most don't.
Read More
How to Benchmark Your 401(k) Fees

How to Benchmark Your 401(k) Fees

By: Eric Droblyen

July 2nd 2021

Learn everything you need to know about benchmarking your 401(k) fees in this short guide.
Read More
How to Lower Your 401(k) Fees

How to Lower Your 401(k) Fees

By: Eric Droblyen

July 1st 2021

Get insider tips for how to lower your 401(k) investment and administration fees in this quick, easy-to-read guide.
Read More
How to Pick a Lineup of

How to Pick a Lineup of "Prudent" Index Funds

By: Eric Droblyen

July 1st 2021

Index funds from providers like Vanguard, Fidelity, or Schwab make it easy for employers to meet their investment-related 401(k) fiduciary responsibilities
Read More
DOL Resources

DOL Resources

By: Eric Droblyen

May 13th 2021

Check out Department of Labor (DOL) resources in our 401(k) Help Center when working find the right retirement package for your small business.
Read More
IRS Resources

IRS Resources

By: Eric Droblyen

May 13th 2021

Browse Internal Revenue Service (IRS) resources in our 401(k) Help Center when working find the right retirement package for your small business.
Read More
Glossary of Terms

Glossary of Terms

By: Eric Droblyen

May 13th 2021

Check out our glossary of terms & additional resources in our 401(k) Help Center when working find the right retirement package for your small business.
Read More
Thrift Savings Plan

Thrift Savings Plan

By: Eric Droblyen

April 3rd 2020

The Thrift Savings Plan (TSP) is a retirement plan for Federal employees.
Read More
401(k) Document Retention Rules

401(k) Document Retention Rules

By: Eric Droblyen

April 3rd 2020

Plan sponsors are required to retain their documents for at least 6 years. Learn 401(k) document retention rules in this guide.
Read More
Mega Back Door Roth IRA Contributions

Mega Back Door Roth IRA Contributions

By: Eric Droblyen

March 24th 2020

Stay up to date on backdoor Roth IRA contributions with Employee Fiduciary's Employer Resources from our free 401(k) Help Center.
Read More
1