How to Locate an Old 401k

To find a forgotten 401(k), start by contacting previous employers to inquire about any retirement plans you may have had. Provide them with your name, Social Security number, and dates of employment. Check with the National Registry of Unclaimed Retirement Benefits (NURUB) to search for unclaimed 401(k) accounts. Visit the website, an initiative of the National Association of Unclaimed Property Administrators (NAUPA), to search for unclaimed funds, including 401(k) accounts. Consider using a free service like the Pension Benefit Guaranty Corporation’s (PBGC) Lost Pension Tool. Complete the online form with your personal information and the last-known plan administrator or employer.

Key Locations to Search for Old 401(k)s

Tracking down an old 401(k) requires a bit of detective work. Here are the key locations to start your search:

1. Former Employers

  • Contact your former employers directly and inquire about your old 401(k).
  • Check your termination papers for any information about your 401(k) account.

2. National Registry of Unclaimed Retirement Benefits

  • Visit the website at and search for your name and Social Security number.
  • This database contains information about abandoned 401(k) accounts and other retirement plans.

3. Abandoned Property Office

  • In most states, unclaimed 401(k) accounts are turned over to the state’s abandoned property office.
  • Contact the abandoned property office in the state where you lived when you worked for the company that offered the plan.

4. Investment Companies

  • If you know the investment company that managed your 401(k), contact them directly.
  • They may have records of your old account.

5. Social Security Administration

  • The Social Security Administration (SSA) may have information about your old 401(k) if it was rolled over into an IRA.
  • Create an account on the SSA website to access your earnings records.

6. Credit Bureaus

  • In some cases, credit bureaus may have information about abandoned retirement accounts.
  • Contact the major credit bureaus (Equifax, Experian, and TransUnion) and request a free credit report.

7. Pension Benefit Guaranty Corporation (PBGC)

  • The PBGC insures certain defined benefit pension plans.
  • If your old 401(k) was part of a defined benefit plan, contact the PBGC to inquire about your benefits.
Search Locations for Old 401(k)s
Former employersContact former places of employment where you may have had a 401(k).
National Registry of Unclaimed Retirement BenefitsSearch the database at
Abandoned Property OfficeInquire with the abandoned property office in the state where you resided while working.
Investment companiesContact the investment company that managed your old 401(k) if known.
Social Security AdministrationCheck your earnings records on the SSA website if you rolled over your 401(k) into an IRA.
Credit bureausRequest a free credit report from credit bureaus such as Equifax, Experian, and TransUnion.
Pension Benefit Guaranty Corporation (PBGC)Contact the PBGC if your old 401(k) was part of a defined benefit pension plan.

Contacting Former Employers

Your former employers’ HR departments can often help you locate an old 401k account. Here are some steps to follow when reaching out to them:

  • Gather Relevant Information: Note down the names and locations of your previous employers, along with the years you worked there.
  • Contact the HR Department: Call or email the HR department of each former employer and inquire about the status of your 401k account.
  • Be Specific: Clearly state that you are looking for information on an old 401k account from your time with their company.
  • Provide Details: Share your full name, Social Security number (last four digits only), and the years you worked for the employer.
  • Be Persistent: If you do not receive a response within a few days, follow up with the HR department or consider reaching out to your former manager or supervisor.

Utilizing Tax Records

Reviewing past tax returns can be a valuable tool in locating an old 401(k). When you contribute to a 401(k), the contributions are typically deducted from your taxable income. This means that you will see a reduced taxable income on your tax returns for years when you made 401(k) contributions.

To review past tax returns, you can obtain copies from the IRS by submitting Form 4506-T, Request for Transcript of Tax Return. You can also access your tax returns online through the IRS website if you have a valid IRS account.

  • Locate the section of your tax return that shows your income and deductions.
  • Look for any lines that indicate 401(k) contributions. These lines may be labeled as “401(k) contributions” or “401(k) deferrals.”
  • If you find any lines that show 401(k) contributions, note the amounts and the years in which the contributions were made.
Year401(k) Contributions

Once you have gathered this information, you can use it to contact potential financial institutions where you may have had a 401(k) account.

Lost 401k Tracking Services

If you’ve lost track of an old 401k, there are a few services that can help you find it:

  • The National Registry of Unclaimed Retirement Benefits: This government website allows you to search for lost 401ks, pensions, and other retirement accounts.
  • The Pension Benefit Guaranty Corporation (PBGC): This government agency insures certain types of private-sector pension plans. If your 401k was insured by the PBGC, you can use their website to search for it.
  • State Unclaimed Property Offices: Each state has an unclaimed property office that holds onto lost and abandoned property, including 401ks.
  • 401k Search Engines: There are a number of private companies that offer 401k search engines. These companies typically charge a fee to search for lost 401ks, but they can be helpful if you’ve been unable to find your 401k using the free services listed above.

Here are some tips for using 401k search engines:

  1. Start by searching for your 401k using your Social Security number and name.
  2. If you don’t find your 401k using your Social Security number, try searching using your old address or employer.
  3. If you still can’t find your 401k, you can contact the 401k search engine for help.

If you find your lost 401k, you’ll need to contact the plan administrator to claim your money. The plan administrator will typically require you to provide proof of your identity and ownership of the account.

ServiceFeesSuccess Rate
National Registry of Unclaimed Retirement BenefitsFreeVaries
Pension Benefit Guaranty Corporation (PBGC)FreeVaries
State Unclaimed Property OfficesFreeVaries
401k Search EnginesVariesVaries

Well, there you have it, folks! With these simple steps, you’ll be able to track down that lost 401k and put it back to work for you. Thanks for reading! If you have any other questions or need any more guidance, feel free to drop me a line. I’m always happy to help. In the meantime, keep an eye out for more articles like this one. We’ll be sharing more tips and tricks to help you manage your finances and reach your financial goals. Take care!