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I have a 401 K account with Kao America Inc. I am taking early retired at 62 this year. Browsing my 401K plan and found out I had an 401 K account with Kao America Inc. I was able to contact the benefit dept and got an answer that it was no longer there and account is closed some time in 2002. I was shocked, I never request to cash out 401 K at all before, my wife also said she never sign form to allow me to withdraw money from 401K sinve we both were working at that time. I request the reason. Got an email telling me that "the disbursement was probably done in 1999 or 2000. In addition to the disbursement you would have received a 1099R". I contacted IRS to find out if there was a 1099R there from 1099 - 2002. IRS agent can't find any 1099 form from KAO America Inc. It been about two weeks now and haven't got an answer yet. All I know is that the benefit employee is that she is going through amount of record and trying to find an answer. Please advice me what do I have to do to get my 401 K account back. It is my hard earn money and now approaching to 65 in a few years. 401 K account is disappear, been closed with no reason.
Thanks for answer my question. This is the additional info in June 2012 when I contacted with KAO's benefit employee. "In June 2012, when I contacted KAO America, thay said I don't have a 401 K plan with them. I had to prove to them that I had an 401K account with them by sent the statement of my 401 K with KAO to them . Finally, they admitted that it was closed in 2002. I did not keep the check stub but I have 401 K profit sharing statement.
I worked for KAO America Inc since 1995 - 2001. They used "Fidelity" to manage 401 K since in the statement it shown the type of fund I invested and total shares. Contacted "Fidelity", thay said it was closed. Yes, I contacted IRS, the agent said they couldn't find any form 1099R from KAO America Inc from 1099 - 2002. I left voice messages to the manager of the benefit dept. but got no answer.
Thanks JoeyY. You are totally correct. I was so careless that I did not check my 401 K at all. Stupid mistake, always thinking that the 401 K should be there until I am 65 to cash it out, you are right, I did nothing in 10 years at all for my 401K portfolio with KAO America. I had 401K with other companies, thanks god, these 401 K account still there. KAO American said they sent out the disbursement in 1999 or 2000. I moved out to different location by Oct 2000. I talked to IRS agent: No 1099 R from KAO America from 1999 - 2002. IRS agent said I should request KAO to reissue the 401 K check. No answer from KAO America except they said that they are going through old documents to find an answer.
What the hell is going on here? Distribution options are the same whether you voluntarily leave or are terminated, but your distribution must be made according to the timing rules specified by your plan. Upon termination, you are eligible to receive your vested account balance. You earn "vesting" with years of service, so the amount of time you have been with your company may affect the amount of 401(k) money you can take with you when you leave. If your account balance is more than $5,000.00, you can leave your money in the plan, but be sure to keep your former employer up to date on your address so you can continue to receive any communication about the plan. Which it seem like you did not.. If you want to take your money with you, your vested account balance can, in many cases, be rolled into another retirement plan with a new employer or put into an Individual Retirement Account (IRA). You can also take a cash distribution, but be prepared for taxes to be withheld from it before you receive the money, and for possible pentalties if you are under age 59 1/2. Your account still should be through because Fidelity is still there......Warning because 401(k)s are not insured, your company's 401(k) custodian could charge you termination fees associated with shutting down the plan. If your 401(k) is invested in company stock, the stock may become worthless if your employer goes bankrupt but the prevention & Solution is If you suspect that your company may go bankrupt, check to see if your plan allows you to roll over your 401(k) while you are still employed. If so, you can roll it into an individual retirement account (IRA). If your company is already bankrupt, you can still roll over the account. Stop being a push over because "Fidelity" said it was closed but did they say by who and when... Fidelity know more then they are stating to you because they have everything within their system so I would be down there discussing this matter face to face instead of being online discussing the problem with us. Athens Joey V stated " You are fundamentally incompetent". Take Care
I seem to remember there is an option that if the 401K balance is $5,000 or less, your employer can opt to close it and give you the money when you resign or retire. Should this be the case, you will have the 1099R the year you left. Maybe check your employment records. KAO America is obviously not managing your 401K directly, they appoint a financial management company for this prupose - so your contact would be with them. But I could be wrong about this , it's been a long time since I last dealt with 401Ks.
I read this somewhere. A company will keep the funds if the amount of the 401K (that you were vested) are less than $100. Could this be the case? I am sure we are not talking $200,000 if you simply forgot about it. With 401K accounts you also get quarterly statements. Mandated by law. Did you ever get 1 single 401K statement? Do you remember any money ever being taken out of your paycheck for this? When you first started, did you elect NOT to contribute to a 401K? You looked through your benefits information and saw that the company offered a 401K. This does not mean that you contributed to it. You could have opted out.
Have you considered checking the unclaimed accounts of the state where the 401k account was set up or your state of residence when you worked at KAO? The state agency may be the comptroller or treasurer. The plan administrator may have been trying to send you statements, and if they were undeliverable (because of change of address, Post Office mishandling, or incorrect address or mistaken address on file), the administrator would then consider your account as a dormant account in accordance with state law and turn the money over to the state agency.
So you got no statements from your 401-K provider for 10 years. You never checked your 401-K value online in 10 years. In 10 years as you got closer to retirement, you never thought about changing the composition of the portfolio. And you did nothing. Here's what I think happened: In 2002, you were no longer working for the employer who sponsored the 401-K. A buddy of yours said "Oh you should roll your 401-K into an IRA at Vanguard" (this is best case) You didn't know what he meant because you are fundamentally incompetent. You got nice statements from Vanguard but decided that somehow you should still have the money at Kao. But alas, they don't give free IRA's.