Locate Missing Plan Participants | Trust Company of America - Millennium Trust Company
Retirement Services

Locate Missing Plan Participants

Does your company sponsored retirement plan have missing or unresponsive plan participants? Cleaning up your retirement plan and reconnecting missing plan participants with their retirement savings starts with finding the right resources.
Man in call center performing search services

Leverage our search services to find missing participants

When it comes to finding missing participants, working with a trusted provider of retirement services is key. With over 20 years of experience and thousands of clients, we can often find up-to-date and accurate contact information for missing participants, supporting you in cleaning up your plan data in a matter of days.

How does missing participant search services work?

Missing plan participants are often part of having a company sponsored retirement plan such as an IRA, 401(k), profit sharing, pension plan, etc. and they can pose fiduciary risks for a company. When former employees leave account balances behind, plan administrators are left with outdated contact information and often times, employees may lose track of their hard-earned savings.

Luckily, with search services, some of that work can be offloaded and automated so you can free up your time to focus on current employees. We can help you find updated contact information for your missing participants to reconnect them with their money, which may help them plan for the future, no matter the size of your plan.

With our Retirement Services Platform, you can access our search services digitally. After securely uploading a missing participant’s’ file, you’re given search options and updates every step of the way. The entire process is streamlined in one spot, from the comprehensive search to payment.

Search Services

How we can help

Our search services process can help you:

  • locate the vast majority of addresses for missing participants;
  • locate missing participants with balances of any size;

  • meet the Required Minimum Distribution (RMD) standards for missing participants who are 72*; and

  • relieve increasing pressure from the DOL.

Let our fast and cost-effective solution help you reduce costs and liabilities, and better serve plan participants.

*With the SECURE Act signed into law in December 2019, the RMD age increased from 70 1/2 to 72, effective Jan. 1, 2020.

Search options suited to your needs

We offer different types of searches to find missing plan participants and work with you to identify the best way to find them.

Available now


Address search provides found accountholder’s address, date-of-birth, and phone number.


Relative search finds the accountholder’s relatives or beneficiaries to update their life status.


Beneficiary search determines if the deceased accountholder has a surviving spouse or relatives and provides their contact information.


Fiduciary search uses different mediums to connect with the missing participant and their beneficiaries and includes a full audit summary.


Confirmed search looks for the confirmed address of the missing participant and their beneficiaries as well as a one-time advanced death audit. A report for auditing purposes will be provided.

Coming soon

Advanced death audit

Advanced death audit is an audit of the Death Master File (DMF) and obituary records to confirm the life status of missing participants.

Connect with an expert

Complete the form below to connect with us about our Automatic Rollover IRA solution.

If you are an individual looking to locate an account from a former employer, please go to the Take Control of your Retirement Savings page.