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This document is about best practices that pension plan fiduciaries can follow to address the problem of missing or nonresponsive plan participants Regardless, employers are required to take all reasonable means to locate a participant or beneficiary in. It covers practices for maintaining accurate participant census information, implementing effective communication strategies, conducting missing participant searches, and documenting procedures and.
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Marketsphere offers retirement reunification services, reuniting plan participants and their beneficiaries with their retirement accounts. Many plan sponsors quickly learn that finding missing participants can cause administrative burden, increased plan costs and potential fiduciary risk Attach contact information change requests to other regular plan communications
Use locator services, online search tools, and public records to locate participants
Ensure that all plan policies related to missing plan participants are documented in writing Maintain written records of attempts to locate or contact missing participants. As described above, the new dol guidance on missing participants provide helpful insight into how the dol views plan fiduciaries’ obligations and options with respect to missing participants Some plan fiduciaries may find the dol’s best practice suggestions helpful, but others may be concerned that the dol will assert that they must comply with the “best practices” standard contained.
Locate missing participants lost participants are unavoidable and present a fiduciary liability for plan sponsors But even with the most conscientious record keeping, participants still go missing. Sponsors of qualified retirement plans often need to locate missing or unresponsive participants or beneficiaries A plan fiduciary’s choice of a distribution option for a missing participant’s account is a fiduciary decision subject to the general fiduciary responsibility provisions of erisa.
As a plan sponsor you may need to locate missing participants or beneficiaries that still have retirement plan account balances with tiaa
