401k Basics
Whitepapers & Reports

3 Steps to Selecting Your Company's 401(k) Adviser

Your 401(k) adviser should be your most important retirement plan partner—they’re part of the engine that runs and maintains your plan. Here’s how to find a 401(k) adviser you can trust long-term to help you and your employees achieve your retirement goals.

401k Basics
Whitepapers & Reports

3(21) v. 3(38) Q&A's

Managing your company’s 401(k) comes with personal risks and responsibilities, called fiduciary responsibilities. In this Q&A, you’ll learn what a fiduciary is and what your liability might be, and the types of advisers you can delegate some of your risk and responsibility to. (Specifically, a 3(38) Investment Manager and a 3(21) Investment Adviser.)

401k Fees And Performance
Whitepapers & Reports

Report: U.S. Job Market and 401(k) Impacts

2018 report on the U.S. job market and 401(k) impacts for business owners competing in today’s economy. Key topics include: where we are in the labor market cycle, how the economy’s strength is reflected in the labor market, employment trends by state and industry, and how a 401(k) plan can help your business thrive.

Reviewing Your Providers
Whitepapers & Reports

Report: How Do Small Businesses Shop for a New 401(k)?

This report was designed to help small businesses understand the 401(k) shopping process. If you’re in the market for a new 401(k) service provider (or think you might be someday), think of this report as a starting point as you search for the right solution for you and your business.

401k Basics
Whitepapers & Reports

Understanding Fiduciaries and their Responsibilities

Get answers to commonly asked questions about 401(k) fiduciaries; what is a fiduciary, who is a fiduciary and more. This is a quick two-page guide to familiarize yourself with fiduciary responsibility related to running a 401(k) plan.

401k Basics
Whitepapers & Reports

Understanding Retirement Plan Fees and Expenses

As an employer offering a retirement plan, you are helping your employees achieve a secure financial future. Your decision making will include selecting plan investments, investment options and service providers. When you make these choices, cost will be a key component. This whitepaper by the DOL will help you better understand and evaluate your plan’s fees and expenses. Understanding Retirement Plan Fees and Expenses is a document of the U.S.…

Reviewing Your Providers
Whitepapers & Reports

3 Reasons to Switch 401(k) Providers for your Business

Your current plan might be causing you more administrative work, and chances are good that there’s a better plan out there. In this guide you’ll find tips for finding the best plan for you—one that’s designed with small-to-medium-sized business needs in mind. And you’ll find out how to get help with the responsibilities and liabilities of choosing, monitoring, and replacing investment options.

Reviewing Your Providers
Whitepapers & Reports

2 Reasons to Switch 401(k) Providers for Your Employees

Deliver more value to employees with a 401(k) plan that fits the unique needs of your business. Your current plan might be costing you and your employees higher fees without as much value as you realize. Check out these two reasons to switch 401(k) providers for your employees.

401k Basics
Whitepapers & Reports

The Makings of a Great Small Business 401(k) Plan

If you’re thinking of starting a 401(k) plan at your business, check out these six tips to help you choose set one up that helps you and your employees.

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 Basics
Whitepapers & Reports

401(k) Plans for Small Business

401(k) plans can be a powerful tool in promoting financial security in retirement. This guide highlights some 401(k) plan advantages, your options and responsibilities as an employer, and the differences between different 401(k) plan options. 401(k) Plans for Small Businesses is a joint project of the U.S. Department of Labor’s Employee Benefits Security Administration (DOL/EBSA) and the Internal Revenue Service.

Reviewing Your Providers
Whitepapers & Reports

Sample 401(k) Benchmark Report

View a sample 401(k) benchmark report that compares a sample 401(k) plan to similar companies in terms of number of participants and industry. In a third party 401(k) benchmark report like this one, your company can easily compare fees, plan options, employee participation and investment options, therefore allowing you to identify any places in your 401(k) that need to be re-evaluated and updated.

401k And Your Employees
Whitepapers & Reports

Capitalizing on Employee 401(k) and IRA Contribution Questions

Understanding contribution limits is one of the topics employees research when it comes to 401(k) plans—and their questions can be used to open the door to deeper conversations. This paper outlines some of the questions that employees typically have about contribution limits and how to turn those conversations into opportunities for education and encouragement.

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 And Your Employees
Whitepapers & Reports

Helping Your Employees Picture Retirement

There’s a good chance your employees have questions about retirement—what it means to them, how to plan for it, or what they should be doing now to achieve the future they want. Here you can find some ways for your employees to think about their retirement and really picture it in order to start planning today for their tomorrow.

401k Basics
Whitepapers & Reports

5 Employer Tips for 401(k) Enrollment

Learn how to maximize employee enrollment in your company 401(k) by following five simple but effective tips. These methods work—enrollment data shows that clients typically experience an increase in both participation and deferral rates by instituting these recommended practices.

401k Basics
Whitepapers & Reports

IQ Quiz Report

Check out this report to see how the national results compared to yours, gain insights into common misunderstandings, and find out what you can do about it for your company’s 401(k) plan. 

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).

Reviewing Your Providers
Whitepapers & Reports

Why Employees Are Talking About 401(k)

See how a few simple communication tools and techniques can help your employees want to enroll in and actively save into the company 401(k). Improving your employee participation and savings rates can make your 401(k) plan healthier—and make it a more effective employee retention tool.

401k And Your Employees
Whitepapers & Reports

Employee 401(k) Empowerment Tools

The more your employees feel educated and knowledgeable about their retirement benefits and options, the more they’ll want to take advantage of them. Educating and empowering your employees isn’t something you have to do on your own; you can rely on a trusted retirement services provider to both optimize your retirement benefits and empower your employees to take advantage of them. See four ways you and your service providers can give your…

401k Basics
Whitepapers & Reports

Hardship Distribution Guidelines

Your employees may ask for a hardship distribution from their 401(k). This sheet shares the 6 scenarios when a hardship distribution is possible according to the IRS. 

401k Basics
Whitepapers & Reports

Payroll Contribution and Employee Information Checklist for 401(k)'s

There are five methods for managing employee payroll information for a 401(k). Download this payroll checklist outlining the ways to transmit employee data and payroll, for each of the five payroll processing methods. Accurate and up to date 401(k) payroll data for employee contributions is essential regardless of your process so that your service providers can track eligibility, facilitate transactions, and prepare annual administration.

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.

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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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