401k Best Practices
Worksheets

Form 5500 Filing Instructions

Find out when and how to file the Form 5500 for your small business 401(k) with these Form 5500 instructions. While some service providers will prepare, sign, and even file this annual reporting document on your behalf, you can follow this simple walkthrough to electronically file on your own.

401k Best Practices
Infographics

401(k) Plan Comparison - Three Key Areas

Understanding how your 401(k) retirement plan compares with other companies’ 401(k) plans gives you better insight into what’s working and not working in your plan. In this overview, take a look at three key areas in 401(k) plan and adviser benchmarking — from service providers, to administrative and fund fees and employee engagement.

401k Best Practices
Videos

Benchmark Your Company 401(k) - Part 1

In part one of this educational Benchmarking Your Company’s 401(k) video series, you’ll learn strategies to find typical 401(k) fees. Additionally, the information shows how the fees you pay and service you receive differ among your service providers and 401(k) plan adviser. You’ll also see how the features of your retirement plan design might affect how your employees use the plan.

401k Best Practices
Videos

Benchmark Your Company 401(k) - Part 2

In part two of this educational Benchmarking Your Company’s 401(k) video series, you’ll learn how to benchmark the performance, investment risk, and behavior of the investments in your 401(k) retirement plan. We’ll also discuss the types of funds in your plan, how different investment share classes can affect your total 401(k) fund fees and costs, and the importance of employee engagement.

401k Best Practices
Videos

Why Benchmark Your Company 401(k) Plan?

See how your company 401(k) compares with other companies’ 401(k) plans by using retirement plan benchmarking. In this introduction to the educational Benchmarking Your Company’s 401(k) video series, you’ll discover why making the right decisions for your company’s 401(k) plan shouldn’t be guesswork. This video reveals ways plan and adviser benchmarking can help you improve your company’s retirement plan.

401k Best Practices
Videos

Maximize 401(k) Participation

Your employees love the 401(k) plan because it gives them an opportunity to achieve their retirement dreams. As a business owner, that makes you feel good. Of course, you have the same opportunity. The key is to take full advantage of your plan. This short video offers 7 great tips you can begin to implement today to improve employee participation.

401k Best Practices
Videos

401(k) Plan Evaluation Framework: Resources and Engagement

Watch this previously recorded educational webinar on managing and assessing your 401(k) plan, part 3: Resources and Engagement. You’ll get helpful tips to effectively manage your 401(k) plan, master common 401(K) terminology and learn about two ways to benchmark your 401(k) plan. Nathan Fisher developed a mnemonic device called R.E.T.I.R.E.® an employer’s go-to resource for 401(k) management.

401k Best Practices
Articles

401(k) Conflict of Interest Case Studies

In the 401(k) industry, conflicts of interest can come from two sources: employers managing 401(k) plans, and service providers working on behalf of those employers. Conflicts of interest can arise when an employer or service provider has an incentive to put its own interests above the needs of the employees’ retirement plan. The following case studies are an example of what different conflicts of interest can look like in the context of…

401k Best Practices
Articles

401(k) Expenses - Understanding and Analyzing 401(k) Plan Fees

The E for Expenses essay focuses on 401(k) plans and their costs. Here we will explore the fees you are likely to see in your plan, understand who should be responsible, how best to analyze, and how often you should review. Nathan Fisher developed a mnemonic device called R.E.T.I.R.E. ® an employer's go-to resource for 401(k) plans.

401k Best Practices
Articles

401(k) Engagement - Helping Employees Make the Most of Your 401(k)

The "E" for Engagement essay focuses on how to help your employees make the most of the company 401(k) plan. For example, you want to not only evaluate how many of your employees are participating, but also how much of their salaries they're contributing, and how diversified their investments are. Nathan Fisher developed a mnemonic device called R.E.T.I.R.E. ® an employer's go-to resource for 401(k) plans.

401k Best Practices
Articles

401(k) Investment Solutions - Offering 401(k) Fund Options for Different Purposes

The "I" for Investment Solutions essay focuses on choosing the best investment options for your employees. Just because you want to provide your employees with a valuable retirement benefit, doesn’t mean you want to become an expert in investing. This essay offers a list of investment solutions that help each type of employee at your company; from those who want to invest on their own, to those who want a lot of help. Nathan Fisher developed a…

401k Best Practices
Articles

401(k) Responsibilities – Making Sure Your Employees Come First

The "R" for Responsibilities essay focuses on your responsibility in making decisions on behalf of plan participants and their beneficiaries (current and past employees, and their families). To that end, it's critical that you seek out any potential conflicts of interest in your plan and work to remove them. Nathan Fisher developed a mnemonic device called R.E.T.I.R.E. ® an employer’s go-to resource for 401(k) management.

401k Best Practices
Articles

401(k) Resources – Finding the Right Tools for 401(k) Success

The "R" for Resources essay focuses on resources that can help you, as the 401(k) plan manager, more effectively manage your plan and provide access to resources that will help your employees get and stay on track towards retirement. The resources and support a 401(k) service provider has to offer both you and your employees can mean the difference between success and falling short of their 401(k) goals. This essay offers a list of resources…

401k Best Practices
Worksheets

Employee Survey Card

Make a difference to your company 401(k) plan. Ask your employees these four simple questions about their plan, and then tally the results. If the majority of employees answered “no” or “unsure” then it may be time to take a closer look at the level of service you’re getting from your 401(k) provider. 

401k Best Practices
Videos

401(k) Plan Evaluation Framework: Tracking & Investment Solutions

Assess your 401(k) fund lineup to make sure it has options that work for each of your employees, and discover how to help your employees figure out if they are on track to achieve their retirement goals. Nathan Fisher developed a mnemonic device called R.E.T.I.R.E. ® an employer’s go-to resource for 401(k) management.

401k Best Practices
Videos

401(k) Plan Evaluation Framework: Responsibility and Expenses

Learn about meeting your financial and legal requirements, how to maximize plan benefits while reducing personal risk, and the six steps to analyzing, assessing, and monitoring plan fees. Nathan Fisher developed a mnemonic device called R.E.T.I.R.E. ® an employer’s go-to resource for 401(k) management.

401k Best Practices
Whitepapers & Reports

401(k) Fee Transparency

Clear up your 401(k) fees and uncover what you and your employees are paying for your 401(k) plan. Unfortunately, complex fee structures make that easier said than done. This paper explains why it’s crucial to take the time to review and understand your company’s fees, what the three main “fee buckets” are, who actually pays these costs, and how the types of funds you have in your 401(k) plan can affect your fees.

401k Best Practices
Whitepapers & Reports

401(k) Compliance Calendar

There are important dates each year that 401(k) plan managers can prepare for in advance. These key dates vary in how much action is needed—some may be as simple as signing and filing a form while some are deadlines by which your business is required to fund contributions made to your employees, undergo compliance testing, and distribute notices to your employees. Check out this year’s 401(k) compliance calendar.

401k Best Practices
Whitepapers & Reports

401(k) Loans FAQs for Employers

What is a 401(k) loan? How are they paid back? What are the downsides to this kind of loan or the repercussions for missing payments? This information sheet answers these questions and provides general information about the details and mechanics of 401(k) loans.

401k Best Practices
Whitepapers & Reports

Cash Balance Guide

A Cash Balance Plan can be a good retirement savings vehicle for owners of successful businesses with steady revenue. Cash Balance Plans can help business owners accelerate their retirement savings and realize significant annual tax deductions. This guide is designed to answer your questions about the risks and benefits in order to help you decide if a Cash Balance Plan is right for your firm.

401k Best Practices
Whitepapers & Reports

Common 401(k) Plan Administrative Mistakes

This quick reference offers some of the most common mistakes than can happen when administering a 401(k) plan and what can be done to fix them. Plus, you’ll learn the top 5 ways to avoid administrative issues all-together. 

401k Best Practices
Whitepapers & Reports

Create a Compelling Profit Sharing Plan

This guide reviews 5 types of Profit Sharing Plans: Profit Share Plans, Profit Share with 401(k) Plans, Profit Share with 401(k) & Discretionary Match, Profit Share with 401(k) & Safe Harbor Match, and Profit Share with 401(k) & Safe Harbor Non-Elective Match. Along with pros and cons, there is a Profit Sharing Plan comparison chart that illustrates each plan’s characteristics and how they apply.

401k Best Practices
Whitepapers & Reports

Meeting your Fiduciary Responsibilities

Managing a company 401(k) plan comes with a lot of responsibility, called fiduciary responsibility. Here, you can find a guide explaining the law around that responsibility, what you’re liable for, what you need to do and some tips for a 401(k) plan fiduciary. Meeting your Fiduciary Responsibility is a document of the U.S. Department of Labor’s Employee Benefits Security Administration (DOL/EBSA).

401k Best Practices
Worksheets

Fiduciary Audit File Guide

As an employer who offers a 401(k), you want to maintain a fiduciary audit file in the case of an audit by the IRS or Department of Labor (DOL), and for an annual audit if you have more than 100 employees. But what should be in your 401(k) fiduciary audit file? And how often do you update the 401(k) audit file? Read the guide. 

401k Best Practices
Worksheets

Fiduciary Checklist

Can you check all these boxes as a 401(k) plan fiduciary? This is a great way to make sure you’ve taken all the steps needed to responsibly administer your company 401(k) plan. This checklist is a fiduciary best practice guide for all 401(k) plan managers.

401k Best Practices
Whitepapers & Reports

The 401(k) Plan Manager’s Guide to Behavioral Finance and Investment Evaluation

When it comes to mutual fund evaluation, there are five common biases that make it difficult for employers and advisers alike to get a complete picture of each option and appropriately compare the funds to others. It also reviews how employers can avoid them when evaluating investment options for their company’s 401(k) plan.  Learn about how you can anticipate and overcome these biases to make good decisions for your plan and your employees.

401k Best Practices
Interactive Tools

401(k) Plan Review Tool

Is your 401(k) plan and service provider giving you access to the tools you need to make the right decisions for your business’ retirement plan? This interactive questionnaire will allow you to evaluate if you need to take a closer look at the features of your plan and the level of service you receive from your service provider.

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About Us

Fisher Investments 401(k) Solutions is dedicated to helping small and mid-size businesses deliver successful ‭retirement plan services. Our success is defined by each business achieving its custom 401(k) plan goals and by ‭empowering employees with the dedicated support and resources necessary to achieve a dignified retirement. Our ‭solutions are built on the core principles of providing employers and employees ready access to dedicated 401(k) ‭specialists, flexible investment options, and fee transparency.

The Fisher Investments Resource Library is designed to support 401(k) Plan Sponsors with insights, tools and ‭answers without obligation.

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