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Solo 401(k) Plans – Their Benefits to Self-Employed Workers
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.
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3 Common 401(k) Provider Conflicts of Interest!
Employers have a fiduciary responsibility to evaluate their 401(k) provider's conflicts of interest. They risk personal liability when they don't.
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401(k) Plan Coverage Testing – What Employers Need to Know
The IRC section 410(b) coverage test ensures a 401(k) plan sufficiently covers Non-Highly Compensated Employees. Employers should understand its basics.
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Department of Labor Guidance for Paying 401(k) Fees from Plan Assets
The DOL divides 401(k) fees into two categories – administrative and settlor expenses. Employers can only pay administrative expenses from plan assets
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Unpacking the Complex Web of Insurance Company 401(k) Fees
All insurance company 401(k) providers - including John Hancock, Empower, Voya, Principal – charge hidden fees. Plan fiduciaries must be able to evaluate them.
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The 401(k) Form 5500 – Frequently Asked Questions (FAQ)
The Form 5500 discloses 401(k) plan information to the Federal government and plan participants. Employers must understand their plan's filing requirements.
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401(k) Plan Compensation – What Employers Need to Know
A 401k plan can require multiple definitions of employee compensation. To keep their plan in legal compliance, employers must understand all of them.
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401(k) Admin Fees – The Benefits to Business Owners That Pay Them
Small business owners earn four valuable benefits when they pay their 401k administration fees from a corporate bank account instead of plan assets.
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Are Profit Sharing Contributions Right for Your 401(k) Plan?
Pro rata, permitted disparity, and new comparability are types of 401k profit sharing contributions. Employers should know if they’re right for their plan.
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The Top Ten Frugal Fiduciary 401(k) Blogs of 2017
Our top 10 blogs for 2017 are must-reads for small business 401k sponsors and participants. They cover retirement plan features, fees and 401k providers.
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