The Frugal Fiduciary Blog

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

Posted by Eric Droblyen on Nov 2, 2016

Small business 401k plan terminations can happen for reasons other than going-out-of-business or a business sale.  Sometimes, even successful businesses decide to terminate their plan due to a cash crunch or poor employee participation.

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Topics: 401k enrollment, Multiple Employer Plans, small business 401k

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

Posted by Greg Carpenter on Dec 17, 2014

Any 401k plan sponsor in America – repeat ANY – can buy market returns dirt cheap. There are no economies of scale in the market for indexed investments. No minimum purchase requirements. No high pressure sales pitches. Buy an index mutual fund or ETF and you’ve locked in market returns. As I have written previously, this indexed approach is the new baseline for small business 401k plans.

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Topics: 401k plan sponsor, small business retirement plans, low cost 401(k) plan, index funds, 401k blog, ETF, Multiple Employer Plans, small business 401k, 401(k), recordkeeping

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

Posted by Greg Carpenter on Dec 10, 2014

MEPs & Lobbying
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Topics: small business retirement plans, 401k blog, Multiple Employer Plans, small business 401k, 401(k)

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

Posted by Greg Carpenter on Feb 3, 2014

Multiple Employer Plan is Not the Answer
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Topics: Vanguard Funds, low cost 401(k) plan, retirement plans, 401(k) Investments, 401k blog, Multiple Employer Plans, small business 401k, 401(k)

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