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.
Is Your 401(k) About to Lose Solo Status? Here’s How to Prepare
By: Eric Droblyen
July 19th 2022
Preparing a small business 401(k) plan to lose its solo status is not complicated. Here’s what you need to know to smoothly transition your plan.
Read More
Target Date Index Funds – The Best Investment for Most 401(k) Participants?
By: Eric Droblyen
July 5th 2022
Target Date Index Funds may be the best investment for most 401(k) participants. They combine strong net-of-fee returns and set-it-and-forget-it convenience.
Read More
New 401(k) Lifetime Income Disclosures – What to Know
By: Eric Droblyen
June 22nd 2022
The SECURE Act's lifetime income disclosure should help 401(k) participants understand how much income their account balance could produce in retirement.
Read More
401(k) Distributions - FAQs for Employers
By: Eric Droblyen
June 8th 2022
When employers do not follow their 401(k)'s distribution rules, IRS penalties can result. Our distribution guide can help employers avoid these consequences.
Read More
401(k) Plan Design Study: Safe Harbor and Roth Adoption Is Up
By: Eric Droblyen
May 25th 2022
Proper 401(k) plan design can help a small business meet its plan goals at the lowest possible cost. Our study summarizes the designs of 4,330 401(k) plans.
Read More
Good Luck Escaping a Pooled Employer 401(k) Plan (PEP)
By: Eric Droblyen
May 11th 2022
Employers can terminate a single-employer 401(k) at any time, but they can't terminate their portion of a Pooled Employer Plan. That can trap participants.
Read More
SECURE Act 2.0 – Not the 401(k) Reform Americans Deserve
By: Eric Droblyen
April 27th 2022
SECURE 2.0 delivers welcome, but incremental, reform. 401(k) plans are not cost-efficient enough today. Here are four things Washington can do to change that.
Read More
Don’t Be Fooled by These 401(k) Conflicts of Interest!
By: Eric Droblyen
April 13th 2022
The 401(k) industry is rife with conflicts of interest. Employers have a fiduciary responsibility to protect employees from them. Common ones hide in plain sight.
Read More
The Ultimate Guide to Safe Harbor 401(k) Plans
By: Eric Droblyen
March 30th 2022
Safe harbor 401(k) plans are popular with small businesses that struggle to pass IRS-mandated nondiscrimination testing. Our guide answers common questions.
Read More
Five Reasons Why Hidden 401(k) Fees Should be Illegal
By: Eric Droblyen
March 16th 2022
Hidden 401(k) fees should be illegal. They can make it almost impossible for employers to protect the interests of plan participants and avoid fiduciary liability.
Read More