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Missing Participants and Forfeitures

Use this checklist to manage missing 401(k) participants, optimize forfeiture accounts, reduce plan costs, and stay DOL-compliant with participant search rules.



Cleaning up missing participant accounts is a great way to save on administrative costs by paying plan expenses. It also gives you the option of off-setting or allocating company contributions from that forfeiture account against future employer contributions. Check out our easy checklist today to discover if your plan has any unvested funds and how they can be used.



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The Alliance Team

 

(860) 777-4015

(860) RPS-401K


The material discussed is meant to provide general education information only and it is not to be construed as specific investment, tax or legal advice and does not give investment recommendations. All investments involve risk (the amount of which may vary significantly), and investment recommendations will not always be profitable. Past performance is not a guarantee of future results. Certain risks exist with any type of investment and should be considered carefully before making any investment decisions. Additional information, including management fees and expenses, is provided on our Form ADV Part 2 available upon request or at the SEC’s Investment Adviser Public Disclosure website, https://adviserinfo.sec.gov/firm/summary/123807.


This information was developed as a general guide to educate plan sponsors and is not intended as authoritative guidance or tax/legal advice. Each plan has unique requirements, and you should consult your attorney or tax advisor for guidance on your specific situation.


©401(k) Marketing, LLC.  All rights reserved. Proprietary and confidential.  Do not copy or distribute outside original intent.

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Alliance Retirement Plan Solutions (“ARPS”) is a division of Gasaway Investment Advisors, Inc. (“GIA”), an SEC registered investment adviser registered with the Securities and Exchange Commission ("SEC").  ARPS, a DBA wholly owned by Gasaway Investment Advisors, Inc., provides bundled and unbundled 401(k) Third Party Administration and Recordkeeping services for businesses to assist their employees with saving for retirement.


ARPS provides both bundled services to clients of GIA as well as bundled and unbundled services to clients of outside advisors.  In the instances of ARPS providing bundled services to clients of outside advisors, GIA’s advisory services are generally limited to investment menu / fund selection and monitoring, as well as model portfolio creation and monitoring while ARPS is providing Third Party Administration and, in many instances, Recordkeeping services to the plans.

 

This content has been prepared for informational purposes only, and should not be construed as tax, legal, or individualized investment advice. GIA and ARPS do not provide tax or legal advice. Consult an appropriate professional regarding your situation. The views expressed are subject to change. In the event third-party data and/or statistics are used, they have been obtained from sources believed to be reliable; however, we cannot guarantee their accuracy or completeness. Investing involves risk, including risk of loss. Past performance does not guarantee future results.


More information can be found at https://adviserinfo.sec.gov/firm/summary/123807.
 

© 2025 by Alliance Retirement Plan Solutions a division of Gasaway Investment Advisors, Inc.

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