Blog
Short, honest pieces on how 401(k) plans actually work — how to read the disclosures, where the hidden costs hide, and what a healthy plan looks like at your size.
A guided tour of the Form 5500 and its schedules — where the fees hide, what the audit opinion really tells you, and how to spot a plan that needs attention in under five minutes.
Read articleWhen a meaningful share of your plan's assets sits in the sponsor's own stock, employees are exposed to a kind of risk most investment policies weren't designed to carry. Here's how it shows up on Form 5500 — and what ERISA says about it.
Read articleForm 5500 is due seven months after your plan year ends. Here's what happens when it isn't — the DOL penalties, the DFVCP program, and how to check if your own plan filed on time.
Read articleTexas SMB 401(k) plans often pay 2-3x the fees of their larger peers — not because of bad intentions, but because the market is quietly structured to make that happen. Here's how to fight back.
Read articleA plain-English guide to the five issues we see most often in Texas 401(k) Form 5500 filings — and what each one actually means for employees.
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