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How to Find Lost 401(k) Cash (and Other Unclaimed Money)

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In the hurried days of a big move to a new job, there’s one valuable item workers are neglecting to pack: the money their former employer invested for them in a 401(k).

There’s a lot of lost retirement savings without its rightful owners. Exactly how much is unknown — there is no one comprehensive national database on 401(k) or other lost retirement accounts. But PenChecks Trust, a California-based firm that helps companies locate former employee-owed retirement benefits, paid out $35 million to more than 15,000 missing participants in 2017 alone, says company vice president Spiro Preovolos. And Preovolos estimates that nationally the amount of lost retirement funds is “well into the billions of dollars.”

If you think some of that lost...

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