The Frugal Fiduciary Blog

401(k) Index Funds – They Make it Easy to Reduce Fiduciary Liability

Finding Hidden 401(k) Fees in Participant Disclosure Notices

Roth 401k Deferrals — Answers to Common Questions

4 Traits of the Best Small Business 401k Providers

Our Top 10 401k Blogs of 2016: What Topics Were the Most Popular?

401k Eligibility: When to Let Employees Join Your 401k Plan

401k Plan Design Study: What 2,767 Small Business 401k Plans Are Doing

401k Fees: Are Traditional 401k Services Worth a Smaller Retirement Nest Egg?

You Want to Terminate Your Multiple Employer 401k Plan? Good Luck with That

Asset-Based 401k Admin Fees Are Unreasonable; Fiduciaries Should Avoid Them

3 Questions for Calculating Small Business 401k Provider Fees

Government Shocker! The 401k Form 5500 May Become Useful Soon

Is Human 401k Advice More Expensive Than Robo Advice? You Might Be Surprised

(Possibly) The Biggest Small Business 401k Fee Study Ever!

401k Fiduciary Pro Tip: Uninvested Cash Can Be a Symptom of a Bad 401k Recordkeeper

401k Enrollment: Is a Meeting or E-Delivery Best For Your Small Business 401k Plan?

The Myth of the 15 Minute 401k Plan Setup

John Oliver Should Be Upset; His Hancock 401k Fees Are Too High!

Safe Harbor 401k Plans: Answers To Common Questions

401k Disclosure Rules Are Out of Date; It’s Time for Common Sense Reform

What’s Old Is New Again: “Mega Back Door” Roth IRA Contributions Spark New Interest in Old School After-Tax Contributions

How to Evaluate 401k Provider Competence in 2 Easy Steps

Plan Participation Problems? No Problem

What’s the #1 Reason for 401k Lawsuits?  Overpriced or Superfluous 401k Services

Setting Up A 401(k) Plan: The Cliff Notes

The DOL’s New Fiduciary Rule – the Value of 401k Investment Services Will Be More Critical Than Ever

3 Tax Advantages of 401k Plans

Picking 401k Investments and Related Services Is Easy When Fiduciaries Know Their Options

When ADP/ACP Testing Fails, 401k Fiduciaries Should Understand Their Options

SEC Money Market Reform Will Affect Many Small Business 401ks in 2016; 401k Fiduciaries Should Understand its Consequences

It’s 401k Testing Season! What Small Businesses Need to Know About 401k Testing

Small Business Retirement Plan Options: 401ks vs. SIMPLE and SEP IRAs

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

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

Happy Holidays from the Frugal Fiduciary! Our Top 10 Blogs of 2015

Understanding a 401k Plan’s Fiduciary Hierarchy Can Make It Easier for Employers To Meet Fiduciary Responsibilities

Good News, 401k Fiduciaries! DOL Fee Disclosure Rules Make ERISA 404(c) Compliance Simple

Managing 401k Deadlines for the 2016 Plan Year – A Checklist Can Help

401k Plan Design – Our Checklist Can Make the Process Simple

Selecting 401k Service Providers: Determine the Professional Help You Need Before You Shop

401k Document Retention Rules Made Simple

The Federal TSP Is a Baseline for 401k Plans – And Any Small Business Can Match It

401k Fiduciary Outsourcing: Does it Actually Increase an Employer’s Fiduciary Liability?

Avoiding 401k Fiduciary Liability Doesn’t Need to Be Difficult; Simple “Best Practices” are the Key

VC-Backed 401k Startups: A Paradigm Shift or Flash in the Pan?

Will Trial Lawyers be the Sole Beneficiary of a Watered-Down Fiduciary Rule?

A Common Sense 401k Reform - Retirement Labels and Receipts

Clarity in a Complex World? A 408b-2 Review

The DOL’s Fiduciary Rule: Why Can’t Regulators do Simple?

401k Participants Should Leave Investing to the Pros; Focus on Saving

Is Conflict-Free Investment Advice More Expensive than Conflicted Advice?

“Bundling” 401k services with other corporate services can result in fiduciary liability

Watered-Down Fiduciary Rule May be the Best Case Scenario for Investors

Online 401k fee analyzers are a marketing gimmick; fiduciaries and participants should avoid them

Beware of Surrender Charges and Other Extraordinary 401k Fees Charged by Insurance Companies

Jerry Schlichter Interviewed by Frontline; 401k Sponsors Should Take Note

DOL’s Fiduciary Rule Advances to OMB; Not Everyone is Happy about It

Target Monthly Income and not an Account Balance When Saving for Retirement

Evaluating 401k Providers: Separating Commodity from Value-Added Services

NAPA stakes a position against the DOL’s fiduciary rule

Keeping my Fingers Crossed for 401k Reform in Tonight’s SOTU Address

MyRAs are not the answer for expanding retirement plan coverage

New Year’s Resolution # 1 for Fiduciaries – “I WILL Evaluate My 401k Plan Fees"

JP Morgan publishes a piece on choosing target date funds for your plan. Good points made, but even better points are left out.

There are no “economies of scale” in 401k plans – unless you are trying to beat the market

Multiple Employer Plans (MEPs) are a marketing play, not a way to cut costs. We don’t need them.

Reforming Roth provisions may be key to improving savings rates for Millennials. My proposal.

Let’s put “Income” back in ERISA

MassMutual settled its “functional fiduciary” lawsuit – a cause for hope for greater fee transparency.

Small business owners are redefining the market for 401k plans. Result: Mass market “products” are about to go extinct.

Edison International case highlights a needed reform: Share class restrictions in 401k plans.

Hiring an ERISA 3(38) Investment Manager can be the simplest way to limit 401k investment liability.

Financial wellness is impossible to achieve without plan participation. Here’s how to address the issue with your employees.

Why small business retirement plans with high asset balances actually pay more for their plan services.

Vanguard’s John Bogle makes his case for improving 401k plans. Here’s why his Senate testimony rocks.

Senate Finance Committee holds a hearing today on “Retirement Savings 2.0.” Here is what they should address to help small business retirement plans.

Brokerage Windows in 401k Plans: Nope. Not even if they say “pretty please.”

The Power of The “All-In” 401k Fee

Former DOL Deputy Director declares scandal in IRA rollovers. It’s a scandal, just not the one he thinks it is.

New companies are trying to fill the gaps in 401k fee disclosure regulations. Here’s why they all fall short.

Plan re-enrollment: The “Wonder Drug” for your company’s retirement plan. It’s cheap, simple and benefits sponsors and employees.

Former Obama administration official offers a plan to “fix” the tax incentives for retirement plans. Here is why it is dead wrong.

In small business retirement plans, the employees with the smallest balances need the most help. Here’s my frugal guide to making the plan work for everyone in your organization.

Revenue sharing is on the decline in 401k plans. Three reasons why it will soon be gone altogether.

GAO suggests changes to the Form 5500 to promote clarity and consistency. We agree.

Low-cost target date index funds will fundamentally reshape the market for small business retirement plans – and soon!

Wall Street Journal article proposes sweeping changes to improve small business retirement plans – including simplifying fee disclosures and requiring index funds. Here’s our analysis.

Employee Fiduciary Announces Free 401k Fee Comparison Service

Indirect compensation in small business retirement plans made a lot of sense in 1980. So did leisure suits. It’s time to move on.

Small business 401k participants using their 401k plans to save for retirement (!) Part 3 of 3

Here’s how our small business 401k plan clients use low-cost investments. Not the conventional wisdom. Part 2 of 3

The Small Business 401k Plan in 2014: Our Clients Redefine the Conventional Wisdom - Part 1 of 3

Industry heavyweight SPARK weighs in on 408(b)(2) fee disclosure reform. We take issue with their key point.

ERISA Section 404(c) turns forty this year. Here is a common sense proposal for meaningful reform.

The DOL asked for input on enhancing its 2012 fee disclosures rules and talking real change. Here are our suggestions on getting it done.

Yale law professor again hammers high fees and revenue sharing. With a few reservations, I like what they have to say.

A Good Try from Congress, but Multiple Employer Plans are not the answer.

New Year’s resolution: Be a better fiduciary to my plan.

Retirement readiness begins by getting organized. Here are some great free tools.

Retirement readiness? Even with a great 401k most will have to work hard to retire well.

Press spins industry “research” puff piece into a retirement crisis denial story. Allow me to retort.

Schwab’s CEO embraces passive management. And Fidelity confirms a trend. Tipping point?

Consulting giant produces “Seven Little Pages of Retirement Plan Wisdom.” It is a must read.

Mandatory 401(k) Participation. Trending? (I hope not.)

Let’s go shopping! For a 401k plan?

Uncooked Pizza and the Low Cost 401K Plan, Part 2 of 2

The “Take and Bake Revolution” Comes to the 401k, Part 1

Guess what percentage of ETF assets are actively managed?

Going “Bold” on Safe Harbor Plans

Form 5500: The Form that Needs Reform

The Two-Headed Monster, Fairness and Safe Harbor Plans

“Amateur Hour”? Professor makes waves with Form 5500 study

Life After the 401k Fee Disclosure Rule

The ETF moment?

In Praise of the 401k Employer Match

Self-directed investing in 401ks: Paternalism or Freedom?

401k Investing: Trends

Follow the Money on 401k Fee Disclosures

Bookmark This: 12 401k Articles for Your Holiday Weekend Reading

We Got What We Asked For - Now Let’s Ask for Low Cost 401k Plans

Keep 401k Plan Costs Down: Bogle Interviewed on PBS’ “Frontline”

The 30 Minute Rule: Self-Directed Investing in Your 401k

What You Ought to Know About 401k Fiduciary Responsibility

The “Plug and Play” 401k

Two Tips on 401k Fees and Investments

Make Saving Simple: Automatic 401k Enrollment

401k Testing and Compliance: Is a Safe Harbor Plan Really Frugal?

How and When to Offer Your Employees Self-Directed 401k Investments

Boring is Good: Index-Based Target Retirement Funds

Interstate 401k -- A Road Map to Comprehensive Employee Benefits

Myth Busting: 401k Plan Consultations

Don't Suffer Losses From Excessive 401k Fees

401k Portability like College Coaches

You Get What You Pay For (Even If You Don’t Need It)

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