Is administering your company's 401(k) plan more of a hassle than it needs to be?

If you’re responsible for your company's 401(k) plan, here’s everything you need to know to make day-to-day plan administration easier.

FREE ADMINISTRATOR TOOLKITS

We know administering your company's 401(k) plan can be complex and confusing, that's why we created free administrator toolkits to help make your job easier.

Common 401(k) Plan Red Flags

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Learn how to navigate common problems with your 401(k) plan. The toolkit will show you:

  1. How to identify common 401(k) plan problems
  2. How to fix the five most common 401(k) plan problems
  3. How to obtain a free personalized 401(k) Scorecard

Resources

  • 401(k) Scorecard

    Find out how your business's 401(k) stacks up against industry peers by requesting your free personalized 401(k) scorecard.

  • Fund Lineup Checklist

    When was the last time you reviewed the fund lineup in your company’s 401(k) plan?  Use our checklist to identify opportunities to improve your fund lineup.

  • Employees from a small business meeting to discuss 401(k) plans

    The Complete 401(k) Audit Guide for Employers

    Use this guide to help you maintain a fiduciary audit file in the case of an audit by the IRS or the Department of Labor. Learn what to include in your 401(k) fiduciary audit file and how often to update the file.

  • Free 404(c) Checklist

    Use this checklist to reduce your fiduciary liability by making sure your company’s retirement plan qualifies for ERISA 404(c) protection.

Articles

  • Common 401(k) Plan Administrative Mistakes

    This reference for 401(k) Plan Administrators offers some of the most common mistakes that happen when administering a business's 401(k) plan. 

  • Employees at small business meeting to discuss 401(k) plan

    401(k) Employee Participation: Why It Matters

    Increase 401(k) participation and help make your 401(k) plan one of the most compelling benefits for attracting and retaining top talent.

401(k) Basics for Plan Administrators

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Learn how to navigate the basics of 401(k) plans, and the roles and responsibilities of plan providers that every plan administrator should understand. The toolkit will show you:

  1. Advantages of a 401(k) plan
  2. 401(k) plan providers
  3. Features of a 401(k) plan

Resources

  • 2022 Compliance Calendar and Checklist

    Use this 401(k) calendar and checklist to make sure you’re on top of administering your company’s plan.

  • Small business plan administrator leans back in office chair and looks out window

    How to File Form 5500

    Learn how to file the Form 5500 for your small business 401(k) with these step-by-step instructions.

  • 2022 IRS Contribution Limits

    The IRS places limits on how much individuals can contribute to various retirement and pension accounts. Use this chart as a quick reference for the 2022 contribution limits.

Articles

  • Man in blue shirt stands look to the right like he's presenting using his hands for visual explanation

    Types of Profit Sharing Plans

    What is a Profit Sharing Plan? Why are Profit Sharing Plans good for small businesses? Get the answers to your most pressing questions about Profit Sharing Plans in this article.  

  • 5 Reasons Your Employees Will Love a Roth 401(k)

    Learn about the benefits of a Roth 401k plan and why employees love it. Get the help needed to decide if adding a Roth option is right for your businesses.

  • 401(k) Plan Design

    Find out about 401(k) plan design and the retirement plan features that might work best for your company and your employees.

Legislative Hot Topics

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Two female employees at a small business meet to discuss new changes in 401(k)
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An overview of several legislative changes to retirement savings plans under consideration by Congress. The toolkit will show you:

  1. An overview of existing proposed legislation
  2. The impact on plan sponsors
  3. The impact on plan participants

Resources

  • Legislative Overview Chart

    Use this chart to learn about potential legislation affecting 401(k) plan sponsors & participants.

  • Female small business owner and employee look at 401(k) plan on tablet.

    Cycle 3 FAQs

    Find answers to some of the frequently asked questions about the Cycle 3 Restatement process and how it affects you and your company’s 401(k) plan.

Articles

  • 5 employees meeting in small office to review changes their 401(k) plan

    SECURE Act 2.0

    See how the new SECURE Act aims to improve on the original bill. Learn about the proposed rules around 401(k) plans and how they'll impact your retirement.

  • Two employees meeting and looking over laptop

    The Automatic Retirement Plan Act

    This proposed new bill would require most employers to offer employees a retirement plan and make enrollment in those plans automatic. Learn more about ARPA.

  • Female in business suit with tablet in hand review 401(k) documents.

    The Retirement Security & Savings Act

    The Retirement Security & Savings Act aims to improve Americans' ability to save for retirement. See how this bill will impact plan sponsors and participants. 

Calculating Retirement Plan Fees

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Retired couple meeting with their 401(k) plan advisor
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95% of plan fees are paid for by participants, it's important to ensure those fees are fair and reasonable. Use this toolkit to learn the step-by-step process to estimating your plan fees. The toolkit will show you:

1. The four type of plan fees
2. How to estimate plan fees
3. How to determine fee reasonableness

Resources

  • Plan Costs Guide

    Our plan cost guide provides step-by step instructions to help you calculate plan fees.

  • Fee Estimator

    Use the cost estimator to help you quantify your plan costs and estimate the amount of fees your 401(k) plan currently pays.

  • Plan Costs Case Study

    Read what this plan sponsor uncovered when they calculated their plan fees and what they did to lower their fees, upgrade the service on their plan, and eliminate revenue sharing. 

Articles

  • Are You Getting A Good Value?

    As the sponsor of your company’s 401(k) plan, you may be tempted to cut up-front costs by going with a plan advisor who charges lower fees but is that truly the best deal?

  • Small business 401(k) plan administrator meeting with female employee to discuss retirement plans

    Trojan Horse That Can Crush Your Company 401(k)

    Most 401(k) plans include several fund options in which your participants can invest. However, the fee structures of these funds are not all created equal.

Ask a retirement plan specialist

Have questions about administering your company's retirement plan? Send us your questions and someone from our team will get back to you shortly.

 

Why Work with Fisher

Fisher redefines what it means to be a partner in retirement by providing superior guidance, unparalleled service and simple and easy program administration.

Contact Us

  • Your Interests First

    Incentive structures that are aligned with your success. No revenue sharing, no kick-backs or commissions. When you do better, we do better.

  • DIFY (Do It For You) Approach

    Our servicing solutions focus on doing everything we can for you. From acting as a single point of contact for your plan to selecting your investments, we provide services that many other advisers can’t or won’t provide.

  • Superior Financial Guidance

    As one of America’s top financial advisors, we work with you to build the optimal program and provide ongoing one-on-one financial guidance to maximize wealth generation.

  • Small Business Expertise

    We specialize in small business retirement plans. As a result, we act as your advocate and have the knowledge, resources and clout to champion your needs

Stay on top of important 401(k) deadlines
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