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Setting Up A 401(k) Plan: The Cliff Notes
Many plan sponsors can sometimes be overwhelmed by the idea of setting up a 401k plan and its responsibilities. A high level review of what is required and setting a budget can help set plan sponsors up with realistic expectations and ease fears about 401k plan set-up.
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The DOL’s New Fiduciary Rule – the Value of 401(k) Investment Services Will Be More Critical Than Ever
The final version of the DOL’s fiduciary rule was released April 6. This rule will make the value of 401k investments and related services more critical than ever for small businesses and financial advisors.
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3 Tax Advantages of 401(k) Plans
Among the many 401(k) benefits for small business plan sponsors and participants, there are some great tax advantages. The sooner a 401(k) plan is established, the greater the benefits.
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Picking 401(k) Investments and Related Services Is Easy When Fiduciaries Know Their Options
Given the dizzying array of 401(k) investment options and services, small business 401(k) fiduciaries are often confused regarding the best options for their plan. The process of 401(k) investment decision making can be made easy by breaking it down.
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When ADP/ACP Testing Fails, 401(k) Fiduciaries Should Understand Their Options
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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SEC Money Market Reform Will Affect Many Small Business 401(k)s in 2016; 401(k) Fiduciaries Should Understand its Consequences
SEC money market reforms will take effect in 2016. If a 401(k) includes a money market fund in its investment lineup, small business fiduciaries should understand the consequences of these reforms in order to decide if their plan’s money market fund should be replaced in advance of the new rules.
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Small Business Retirement Plan Options: 401(k)s vs. SIMPLE and SEP IRAs
401(k) plans are the most popular type of small business retirement plan today, but they are not the only option available.
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Shopping For a 401(k) Plan Doesn’t Need To Be Overwhelming For Small Businesses; A Checklist Can Help
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.
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Happy Holidays from the Frugal Fiduciary! Our Top 10 Blogs of 2015
During 2015, the Frugal Fiduciary Blog covered a variety of 401k topics. Our 10 most popular blogs for the year can be found here.
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Understanding a 401(k) Plan’s Fiduciary Hierarchy Can Make It Easier for Employers To Meet Fiduciary Responsibilities
401(k) fiduciary responsibility is receiving increased attention, but employers are still unclear about meeting their plan’s fiduciary responsibilities.
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