Retirement consolidation, done right

Retirement savings that move with you.

Every job change strands another retirement account. RetirementAnchor finds that money, verifies it's yours, and moves it where it belongs — your new plan or an IRA. Participant-directed, custodian-to-custodian, and we never take custody of funds.

Let's talk See how it works
Find your path

The problem is massive — and growing

Every job change strands another account — and the cost lands on everyone: savers paying fees they never see, plans carrying participants they can't find, and recordkeepers servicing accounts that lose money.

$2.13T
Stranded across former-employer plans
31.9M
Abandoned accounts on the industry's books
$40–75
Per year to service each money-losing small account
What's broken

Every job change is a chance for the money to move. It almost never does.

A job change is the natural moment for an old account to follow the worker — into their new plan or an IRA. Instead it stalls. And money that doesn't move cleanly is expensive for everyone it touches.

01

Fees quietly pile up

Left-behind accounts sit in the old plan, charged recordkeeper maintenance fees year after year ($40–75 each) — drained from the plan and the participant alike.

02

Small accounts get lost

Small balances drift into lost or abandoned status, leaving plans to fund force-outs or carry missing-participant obligations in perpetuity.

03

Participants miss their options

Most never realize they can move the balance into an IRA or their new plan — so they simply don't, and savings stay stranded.

04

Planning fractures

Savings scattered across old accounts make it nearly impossible to plan — or advise on — retirement as one clear picture.

Nobody ever owned the job of moving the money — so it stalls, and these four costs compound. RetirementAnchor is the solution that owns it: at every job change we direct a worker's savings to where they belong — their new plan or an IRA, on their own affirmative choice — so nothing sits accruing fees, nothing slips into lost-and-found, and their retirement finally lives in one place. The money moves with the participant, and everyone who touches it — savers, plans, recordkeepers, and brokers — comes out ahead.
Who we serve

One problem, five seats at the table

A stranded account touches everyone differently — the saver who left it behind, the employee who hasn't yet, the employer carrying it, and the recordkeeper servicing it. Pick your seat.

For savers · money left at a former job

We find your money and bring it home.

No fees. No taxes. No forms.

Left a job and left a 401(k) or IRA behind? It's still yours — it's just stuck, quietly losing $40–75 a year to maintenance fees. We locate it, verify it's really you, and move it wherever you choose: your new plan or an IRA.

  • Free for you, always — savers never pay us a cent
  • No tax hit — direct custodian-to-custodian rollovers aren't taxable events
  • No paperwork — we prepare everything; you just approve
  • Your money never touches us — it moves institution-to-institution, and nothing moves without your explicit sign-off
Find my old account
Bring it home
Your old accountFound
O
401(k) · former employer
Left behind 3 years ago
$18,240still yours
⌂
Your choice of home
New plan or IRA — you decide
+ $18,240moved
You pay $0 · not a taxable event · funds never pass through us
For employees · offered through your employer

A two-minute check-in — before there's a problem.

Preventive, not corrective. Low stakes, high peace of mind.

You're contributing, things are fine — and that's exactly the moment to check. RetirementAnchor arrives as an employer benefit: a quick look for anything you left at former jobs, and an easy pull into the plan you're already in. If nothing turns up, great — you're done in two minutes.

  • Two minutes, once — check for old accounts and move on with your day
  • Nothing moves unless you say so — affirmative opt-in only, never automatic
  • One place, one login — your whole retirement picture in the plan you already use
Do the two-minute check
Check-in
Quick check2 min
Verify it's you
Scan former jobs
Your call
Done
✓
1 account found
Employer two jobs back
$6,912your move
Moves only on your explicit opt-in — or not at all
For employers · plan sponsors & HR

Fewer missing participants. Cleaner audits. Zero lift.

Not another vendor to manage — no integration, no invoice, no admin.

Every departed employee who leaves a balance behind becomes your problem: missing-participant searches, force-out mechanics, fiduciary exposure that never expires. We clear it — on the participant's own election, fully audited — and it costs you nothing to run.

  • ≈$50–100 avoided per departed participant — force-out and missing-participant handling you no longer fund
  • Cleaner audits — every move returns a compliant, verifiable audit trail
  • Zero ongoing management — no build, no data feed to maintain, nothing out of pocket
  • A benefit employees notice — consolidation help they'd otherwise pay for
Talk to us about your plan
Plan health
Sponsor viewAudit-ready
!
Terminated-vested balances
Departed employees, still on plan
214accounts
✓
Resolved & documented
Participant-elected · fully audited
214cleared
audit-bundle · sponsor-2026-q2
missing-participant exposure ✓ reduced
notices & elections ✓ on file
For recordkeepers · integration partners

Complementary to your platform — never competitive with it.

We don't recordkeep, we don't custody, and we never steer assets off your platform.

We move money-losing small accounts off your books and participant-elected roll-ins onto them. The destination is always the participant's own choice — we make no recommendation, so there's no disintermediation play here. Technically, it's built to pass your review.

  • SFTP file or API — start with a flat-file extract; graduate to API when you're ready
  • Hash-chained, offline-verifiable audit bundles on every transfer
  • Penny-exact reconciliation by money type — pre-tax and Roth preserved to the cent
  • Security-review ready — SOC 2-aligned controls; documentation available for your diligence
Recordkeeper inquiry

See the full recordkeeper solution

Integration
Partner railsNon-custodial
≡
participant_extract.csv
SFTP · no build required
Ingested
⇄
Custodian-to-custodian
Funds never touch us
Settled
audit-bundle · partner-rk-0417
sha256 ✓ chain verified
pretax ✓ roth ✓ balanced to the cent
Why the regulated fix fails

The regulated fix was built for the giants. Small recordkeepers pay.

Every job change leaves another account behind — 31.9M abandoned accounts, $2.13T stranded, and $115B lost to dormant-account fees each year. SECURE 2.0's Portability Services Network was meant to solve it. Its structure instead hard-codes the mega recordkeepers' cost advantage — and leaves small and mid-sized RKs stuck.

01

A $7,000 cap

Only tiny force-out balances qualify. The accounts that actually pile up inside your plans are bigger — and stay stuck.

02

A pay-to-play network

PSN integration costs more than most small recordkeepers can justify — so they're shut out of the giants' clearing club.

03

No safe-harbor pipeline

Unlike the megas, small and mid-sized RKs can't cost-effectively force small accounts out to safe-harbor custodians.

04

The cost lands on SMB plans

Stuck servicing money-losing small accounts at $40–75 a year each, small RKs eat the cost or pass it to their SMB plans — and lose on price.

The regulated fix widens the gap: the giants clear small accounts cheaply, while small and mid-sized recordkeepers subsidize the ones they can't — and lose competitiveness. RetirementAnchor closes it. We run a full-service solution that clears those accounts for you and grows the plans you keep — built for the small and mid-sized recordkeeper the incumbents skip.
What we do · for recordkeeper partners

A full-service solution we run for you

One managed service that lets small and mid-sized recordkeepers clear small accounts and compete — at zero out-of-pocket cost, run on the data and tech you already have, with no build on your side. Engage however suits your book: start with the backlog sweep, or lead with growth if that's your priority. Each offering stands on its own — and expands across the relationship as value compounds.

Three independent offerings — start with any one, in any order
Clear the Backlog · Full Service Force Outs

We clear your backlog — services-first, no build

You hand us a participant file; our Forward Deployed team clears years of stranded $1k–$7k accounts by hand and returns a compliant audit trail — at zero cost to you. No integration and no clean data required; we run it on the systems and data you already have.

  • Zero cost to you — funded by the safe-harbor IRA; you just shed the opex
  • Ingest a file over SFTP — no integration on your side
  • Isolate the actionable terminated-vested $1k–$7k backlog
  • Compliant §120 / DOL notices and force-out instructions, executed
  • Penny-exact reconciliation — funds never touch us
Backlog sweep
Backlog sweepForward Deployed
≡
participant_extract.csv
42,318 rows · received over SFTP
Ingested
!
Actionable backlog isolated
$1k–$7k · terminated-vested
18,412accounts
✓
Cleared & reconciled
safe-harbor IRA / active-plan roll-in
18,412done
audit-bundle · acme-rk-2026-q2
§120 / DOL notices ✓ issued
penny-exact by money type ✓ balanced
Grow · recordkeeper roll-ins

Roll-ins that grow the plans you keep

A modern, participant-directed engine that grows the plans you keep — start here if growth is your priority, with or without a backlog sweep first. Your current participants and recently added new hires pull their outside, old-employer balances into the plan they're in, on their own affirmative opt-in. We never recommend, so you stay off the fiduciary hook.

  • Existing and recently added employees — rolling their outside balances in
  • Affirmative opt-in, never negative consent
  • Custodian-to-custodian — pre-tax and Roth preserved to the cent
Roll-in
Roll-in · existing / new-hireOpted in
O
Outside 401(k)
Former employer · identity confirmed
$18,240found
▲
Your plan
Participant-elected roll-in
+ $18,240credited
Pre-tax $13,133Roth $5,107Preserved to the cent
Scale · the ops floor, automated

Scale without headcount — the ops floor as software

Four modules on the same engine — one for each way the ops floor eats headcount, led by auto-portability. Sub-$7k balances follow the departing worker to their next plan under SECURE 2.0 §120 — notice-based, opt-out honored, no signatures, no new backlog — while large accounts never leave your book. Priced under the headcount it replaces.

  • Auto-portability — §120 auto-transfers at offboarding, so new stranded accounts never form
  • Book hygiene — continuous missing-participant search, address and death screening, DOL Lost-and-Found feeds (§303)
  • The distribution desk — RMDs, death claims, hardships, QDROs; AI intake and packet prep, humans on exceptions
  • Notices & proof — 402(f), QDIA, safe-harbor and fee notices from data we already hold, with the same hash-chained, offline-verifiable audit bundle
Settle & prove
Transfer ledgerSettled
Instruction signed
Leg A · recordkeeper distribution
Funds in flight
Leg B · custodian-to-custodian
Reconciled by money type
debit ↔ credit matched
audit-bundle · j-rivera-0641
sha256 ✓ chain verified
pretax ✓ roth ✓ balanced
Who it's for

Built for mid-sized and small recordkeepers

RetirementAnchor is built for one operator above all: the independent, sub-scale recordkeeper sitting on a backlog of small terminated-vested accounts it has no clean way to clear. If small balances pile up on your platform faster than you can move them off, the solution is built for you.

The book we're built around

The large consolidation players are built to chase IRA rollovers, so they skip the small-balance, high-churn SMB and payroll books where accounts actually pile up. Those books over-index on stranded small accounts — and in-plan consolidation matters most exactly there. That underserved segment is the one we serve first.

Ideal profile
  • Independent recordkeeper that controls the ledger and can execute the force-out
  • No safe-harbor IRA pipeline or trust bank to clear the backlog today
  • Sub-scale or legacy tech — won't build the pipeline in-house
  • A backlog of $1k–$7k terminated-vested accounts stuck inside the plans
  • Bonus — a PEP or MEP master: one amendment clears a whole pooled block at once
The opportunity on a typical mid-sized platform
~275k
participants on one platform
~18k
actionable small accounts to clear
PEP master
one amendment clears a pooled block

The only modern tech built for you

No modern-tech company optimizes for the mid-sized recordkeeper — only legacy TPAs do. We replace their paper workflows with software, built for the small-balance, high-churn books the incumbents skip.

A modern, low-cost stack

Modern data connections, AI-assisted operations, and straight-through processing give us a low cost-to-serve — the unlock that finally makes clearing small accounts economical.

Start anywhere, expand from there

Begin with whichever offering fits your book — the backlog sweep, roll-ins that grow the plans you keep, or the automated ops floor. Each stands on its own, with no build and no cost to you, and expands across the relationship as value compounds.

Who benefits

Everyone in the chain comes out ahead

The participant never pays a cent — and every institution the money touches turns a cost center into upside. Instructions arrive over connections you already use, so you plug in and build nothing.

For source recordkeepers
$40–75 / yr · account

Stop eating — or passing to your SMB plans — the fixed cost of every money-losing small account, eliminated the year it would otherwise have lingered. Stranded balances leave your platform with no operational project, and you win back price competitiveness against the giants.

For plan sponsors
≈ $50–100 / account

Avoided force-out and missing-participant handling per departed participant — plus an open-ended fiduciary liability you no longer carry. On the participant's own affirmative election, fully audited.

For destination RKs & brokerages
$150–1,000+ CAC avoided

A funded account acquired for a fraction of paid-acquisition cost — plus the recurring revenue on the balance it brings in. Plug in and consolidations come to you.

Directional estimates, per resolved account; actual value varies by book, balance, and segment.

Work with us

We're onboarding our first partners now

The first partners get the most leverage — and the most say in how the platform gets built. We start with recordkeepers.

For mid-sized & small recordkeepers

RecordkeepersPlan sponsorsTPAsPEP / MEP

We remove every reason to say no: nothing out of pocket, no integration lift, and a flexible suite you can start anywhere. Clear your backlog, grow the plans you keep, or both — each move on the participant's affirmative election, fully audited.

  • Nothing out of pocket — funded by the parties that benefit; you shed opex, never billed
  • No build, no risk — non-custodial and non-fiduciary; we never touch the funds
  • Start anywhere and expand across the relationship as value compounds
Our suite — start anywhere, expand everywhere
Backlog sweepForce-out clearingRoll-insAuto-portabilityReconciliation & auditCompliance
Schedule a call

For brokers & destination recordkeepers

BrokeragesIRA providersWealth platforms

Turn on roll-in infrastructure. We bring you funded accounts at the job-change moment and handle discovery, identity, signed-instruction delivery, and reconciliation end to end — so you acquire AUM far below your normal CAC without building the solution yourself.

  • Roll-ins powered for you — find, verify, instruct, reconcile
  • Funded accounts acquired below normal acquisition cost
  • API or hosted flow — embed it or send participants to us
Schedule a call
The market we're anchored to
$7.3T
U.S. IRA market — the destination pool
$2.13T
Stranded in former-employer plans today
SECURE 2.0
§120 auto-portability — regulatory tailwind at our back
Audit rails
Reconciliation & compliance workflow the incumbents can't cheaply copy
About us

Built by operators from inside the industry

RetirementAnchor grew out of our work advising a small recordkeeper — Mutual of Omaha's Retirement Services business — where we watched cost-to-serve climb as smaller recordkeepers struggled to keep pace with the industry's rising technology table stakes. We built the solution so they don't have to build it themselves.

Tandy Falala
Tandy Falala
Founder & CEO

Tandy is the co-founder and CEO of RetirementAnchor. Previously she was on the enterprise strategy team at Mutual of Omaha, advised defined-contribution retirement plans at NEPC, and worked in investment-management legal and compliance at Mercer. She began her career in audit at PwC.

Mutual of OmahaNEPCMercerPwC
Connect on LinkedIn
Dan Direnfeld
Dan Direnfeld
Founder & COO

Dan is the co-founder and COO of RetirementAnchor. He previously advised Fortune 500 financial-services companies on enterprise strategy, including Mutual of Omaha's Retirement Services business, and has co-founded technology startups. He holds a J.D. from American University's Washington College of Law.

Fortune 500 strategyMutual of OmahaLPL FinancialJ.D., American University WCL
Connect on LinkedIn

Wherever you sit, the money should move

Savers and employees: we'll find what you left behind — free, no taxes, no forms. Employers, recordkeepers, and brokers: see how a resolved account becomes pure upside, with zero build on your side.

Let's talk