401k Info: Can't Find Your Plan with an Ex-Employer?

If you have not been able to find a 401k plan with an ex-employer there are several steps you can take to increase your chances of success. The best method of finding your plan is contacting your past employer. Ask the benefits department to check their records and provide you with any related information.

Review Past Statements

In some cases, a merger or other restructuring can make it difficult to locate a former employer. In this situation, review an old 401k statement for the firm that administered the plan. If you find this information, call and ask if they can check your account.

Use the Internet

Another option to consider is checking with the United States Government. Most 401k plans are required to file Form 5500 every year. By searching a database on the web, you can find contact information for the appropriate party.

If all else fails, visit the National Registry of Unclaimed Retirement Benefits. This service helps match employers with retirement accounts and employees that are entitled to the money. Your 401k account can grow with compound interest so it is important to be able to use it for your retirement.