II 

116TH CONGRESS 

2D SESSION S. 4192 

To increase portability of and access to retirement savings, and for other 

purposes. 

IN THE SENATE OF THE UNITED STATES 

JULY 2, 2020 

Ms. WARREN (for herself and Mr. DAINES) introduced the following bill; which 

was read twice and referred to the Committee on Finance 

A BILL 

To increase portability of and access to retirement savings, 

and for other purposes. 

1 Be it enacted by the Senate and House of Representa2 tives of the United States of America in Congress assembled, 

3 SECTION 1. SHORT TITLE. 

4 This Act may be cited as the ‘‘Retirement Savings 

5 Lost and Found Act of 2020’’. 

6 SEC. 2. RETIREMENT SAVINGS LOST AND FOUND. 

7 (a) ESTABLISHMENT.— 

8 (1) IN GENERAL.—Not later than 2 years after 

9 the date of the enactment of this Act, the Commis10 sioner of Social Security and the Secretary of the 


pamtmann on DSKBC07HB2PROD with BILLS
2 

•S 4192 IS

1 Treasury in cooperation shall establish an online 

2 mechanism to be known as the ‘‘Retirement Savings 

3 Lost and Found’’, to be managed by the Director of 

4 the Retirement Savings Lost and Found established 

5 under section 4 of this Act— 

6 (A) to allow an individual to search for in7 formation that enables the individual to locate 

8 the plan administrator of any plans with re9 spect to which the individual is a participant or 

10 beneficiary, and to provide contact information 

11 for the plan administrator of any plan described 

12 in paragraph (2) with respect to which the indi13 vidual may be entitled to a benefit; 

14 (B) to allow such Director to assist such 

15 an individual in locating any plan of the indi16 vidual; and 

17 (C) to allow such Director to make any 

18 necessary changes to contact information on 

19 record for the plan administrator based on any 

20 changes to the plan due to merger or consolida21 tion of the plan with any other plan, division of 

22 the plan into two or more plans, bankruptcy, 

23 termination, change in name of the plan, 

24 change in name or address of the plan adminis25 trator, or other causes. 


pamtmann on DSKBC07HB2PROD with BILLS
3 

•S 4192 IS

1 The Retirement Savings Lost and Found established 

2 under this paragraph shall contain the information 

3 obtained by the Commissioner of Social Security re4 garding deferred vested benefits under section 6057 

5 of the Internal Revenue Code of 1986 (including in6 formation so obtained before the date of the enact7 ment of this Act). Such information shall be re8 tained in the Retirement Savings Lost and Found in 

9 perpetuity. 

10 (2) PLANS DESCRIBED.—A plan described in 

11 this paragraph is a plan to which the vesting stand12 ards of section 203 of part 2 of subtitle B of title 

13 I of the Employee Retirement Income Security Act 

14 of 1974 apply. 

15 (b) ADMINISTRATION.—The Retirement Savings Lost 

16 and Found established under subsection (a) shall provide 

17 individuals described in subsection (a)(1) only with the 

18 ability to view contact information for the plan adminis19 trator of any plan with respect to which the individual is 

20 a participant or beneficiary, sufficient to allow the indi21 vidual to locate the individual’s plan. 

22 (c) CURRENT INFORMATION.— 

23 (1) IN GENERAL.—Paragraph (2) of section 

24 6057(a) of the Internal Revenue Code of 1986 is 

25 amended— 


pamtmann on DSKBC07HB2PROD with BILLS
4 

•S 4192 IS

1 (A) in subparagraph (C)— 

2 (i) by striking ‘‘during such plan 

3 year’’ in clause (i) and inserting ‘‘during 

4 the plan year immediately preceding such 

5 plan year’’; 

6 (ii) by adding ‘‘and’’ at the end of 

7 clause (i); and 

8 (iii) by striking clause (iii); 

9 (B) by redesignating subparagraph (E) as 

10 subparagraph (G); 

11 (C) by striking ‘‘and’’ at the end of sub12 paragraph (D); and 

13 (D) by inserting after subparagraph (D) 

14 the following new subparagraphs: 

15 ‘‘(E) the name and taxpayer identifying 

16 number of each participant or former partici17 pant in the plan— 

18 ‘‘(i) who, during any previous plan 

19 year, was reported under subparagraph 

20 (C), and with respect to whom the benefits 

21 described in subparagraph (C)(ii) were 

22 fully paid during the plan year, 

23 ‘‘(ii) with respect to whom any 

24 amount was distributed under section 

25 401(a)(31)(B) during the plan year, or 


pamtmann on DSKBC07HB2PROD with BILLS
5 

•S 4192 IS

1 ‘‘(iii) with respect to whom a deferred 

2 annuity contract was distributed during 

3 the plan year, 

4 ‘‘(F) in the case of a participant or former 

5 participant to whom subparagraph (E) ap6 plies— 

7 ‘‘(i) in the case of a participant de8 scribed in clause (ii) thereof, the name and 

9 address of the designated trustee or issuer 

10 described in section 401(a)(31)(B)(i) and 

11 the account number of the individual re12 tirement plan to which the amount was 

13 distributed, and 

14 ‘‘(ii) in the case of a participant de15 scribed in clause (iii) thereof, the name 

16 and address of the issuer of such annuity 

17 contract and the contract or certificate 

18 number, and’’. 

19 (2) RULES RELATING TO DIRECT TRUSTEE-TO20 TRUSTEE TRANSFERS.— 

21 (A) IN GENERAL.—Paragraph (6) of sec22 tion 402(e) of such Code is amended— 

23 (i) by striking ‘‘TRANSFERS.—Any’’ 

24 and inserting ‘‘TRANSFERS.— 

25 ‘‘(A) IN GENERAL.—Any’’; and 


pamtmann on DSKBC07HB2PROD with BILLS
6 

•S 4192 IS

1 (ii) by adding at the end the following 

2 new subparagraph: 

3 ‘‘(B) NOTIFICATION OF TRUSTEE.—In the 

4 case of a distribution under section 

5 401(a)(31)(B), the plan administrator shall no6 tify the designated trustee or issuer described 

7 in clause (i) thereof that the transfer is a man8 datory distribution required by such section.’’. 

9 (B) PENALTY.—Subsection (i) of section 

10 6652 of such Code is amended— 

11 (i) by striking ‘‘TO RECIPIENTS’’ in 

12 the heading and inserting ‘‘OR NOTIFICA13 TION’’; 

14 (ii) by striking ‘‘402(f),’’ and insert15 ing ‘‘402(f) or a notification as required by 

16 section 402(e)(6)(B),’’; and 

17 (iii) by striking ‘‘such written expla18 nation’’ and inserting ‘‘such written expla19 nation or notification’’. 

20 (C) REPORTS.—Subsection (i) of section 

21 408 of such Code is amended— 

22 (i) by redesignating subparagraphs 

23 (A) and (B) of paragraph (2) as clauses (i) 

24 and (ii), respectively, and by moving such 

25 clauses 2 ems to the right; 


pamtmann on DSKBC07HB2PROD with BILLS
7 

•S 4192 IS

1 (ii) by redesignating paragraphs (1) 

2 and (2) as subparagraphs (A) and (B), re3 spectively, and by moving such subpara4 graphs 2 ems to the right; 

5 (iii) by striking ‘‘as the Secretary pre6 scribes’’ in subparagraph (B)(ii), as so re7 designated, and all that follows through ‘‘a 

8 simple retirement account’’ and inserting 

9 ‘‘as the Secretary prescribes. 

10 ‘‘(3) SIMPLE RETIREMENT ACCOUNTS.—In the 

11 case of a simple retirement account’’; 

12 (iv) by striking ‘‘REPORTS.—The 

13 trustee of’’ and inserting ‘‘REPORTS.— 

14 ‘‘(1) IN GENERAL.—The trustee of’’; 

15 (v) by striking ‘‘under paragraph (2)’’ 

16 in paragraph (3), as redesignated by clause 

17 (iii), and inserting ‘‘under paragraph 

18 (1)(B)’’; and 

19 (vi) by inserting after paragraph 

20 (1)(B)(ii), as redesignated by the pre21 ceding clauses, the following new para22 graph: 

23 ‘‘(2) MANDATORY DISTRIBUTIONS.—In the case 

24 of an account, contract, or annuity to which a trans25 fer under section 401(a)(31)(B) is made (including 


pamtmann on DSKBC07HB2PROD with BILLS
8 

•S 4192 IS

1 a transfer from the individual retirement plan to 

2 which the original transfer under such section was 

3 made to another individual retirement plan), the re4 port required by this subsection for the year of the 

5 transfer shall— 

6 ‘‘(A) identify such transfer as a mandatory 

7 distribution required by such section, 

8 ‘‘(B) include the name, address, and tax9 payer identifying number of the trustee or 

10 issuer of the individual retirement plan to which 

11 the amount is transferred, and 

12 ‘‘(C) be filed with the Director of the Re13 tirement Savings Lost and Found established 

14 under section 2(a) of the Retirement Savings 

15 Lost and Found Act of 2020 as well as with the 

16 Secretary.’’. 

17 (3) NOTIFICATION OF PARTICIPANTS UPON SEP18 ARATION.—Subsection (e) of section 6057 of such 

19 Code is amended by inserting ‘‘, and a notice of the 

20 availability of the Retirement Savings Lost and 

21 Found established under section 2(a) of the Retire22 ment Savings Lost and Found Act of 2020’’ before 

23 the period at the end of the second sentence. 

24 (4) EFFECTIVE DATE.—The amendments made 

25 by this subsection shall apply to distributions made 


pamtmann on DSKBC07HB2PROD with BILLS
9 

•S 4192 IS

1 in, and returns and reports relating to, years begin2 ning after the second December 31 occurring after 

3 the date of the enactment of this Act. 

4 (d) COORDINATION WITH DISTRIBUTION REQUIRE5 MENTS, FIDUCIARY DUTIES, ETC.— 

6 (1) AMENDMENT OF INTERNAL REVENUE CODE

7 OF 1986.—Paragraph (9) of section 401(a) of the In8 ternal Revenue Code of 1986 is amended by adding 

9 at the end the following new subparagraph: 

10 ‘‘(I) COORDINATION WITH RETIREMENT

11 SAVINGS LOST AND FOUND.— 

12 ‘‘(i) IN GENERAL.—With respect to 

13 any lost or missing participant of a plan, 

14 the plan shall not be treated as failing to 

15 satisfy the requirements of this paragraph 

16 or any other requirement of this title which 

17 cannot be satisfied due to the plan’s inabil18 ity to locate the participant. 

19 ‘‘(ii) LOST OR MISSING PARTICI20 PANT.—Not later than 1 year after the 

21 date of the enactment of this subpara22 graph, the Secretary (in consultation with 

23 the Commissioner of Internal Revenue), 

24 the Secretary of Labor (in consultation 

25 with the Assistant Secretary of Labor for 


pamtmann on DSKBC07HB2PROD with BILLS
10 

•S 4192 IS

1 the Employee Benefits Security Adminis2 tration), and the Pension Benefit Guaranty 

3 Corporation shall issue joint guidance de4 fining the term ‘lost or missing partici5 pant’ for purposes of this subparagraph.’’. 

6 (2) AMENDMENT OF EMPLOYEE RETIREMENT

7 INCOME SECURITY ACT OF 1974.— 

8 (A) IN GENERAL.—Section 404 of the Em9 ployee Retirement Income Security Act of 1974 

10 (29 U.S.C. 1104) is amended by adding at the 

11 end the following new subsection: 

12 ‘‘(f) COORDINATION WITH RETIREMENT SAVINGS

13 LOST AND FOUND.— 

14 ‘‘(1) IN GENERAL.—With respect to any lost or 

15 missing participant of a plan, a fiduciary of the plan 

16 shall not be treated as failing to satisfy any require17 ment to search for or attempt to locate, or to pro18 vide any document or information to, such indi19 vidual, or any other requirement of this title which 

20 cannot be satisfied due to the plan’s inability to lo21 cate the participant. 

22 ‘‘(2) LOST OR MISSING PARTICIPANT.—Not 

23 later than 1 year after the date of the enactment of 

24 this subparagraph, the Secretary (in consultation 

25 with the Assistant Secretary of Labor for the EmVerDate Sep 11 2014 19:51 Jul 15, 2020 Jkt 099200 PO 00000 Frm 00010 Fmt 6652 Sfmt 6201 E:\BILLS\S4192.IS S4192

pamtmann on DSKBC07HB2PROD with BILLS
11 

•S 4192 IS

1 ployee Benefits Security Administration), the Sec2 retary of the Treasury (in consultation with the 

3 Commissioner of Internal Revenue), and the Pension 

4 Benefit Guaranty Corporation shall issue joint guid5 ance defining the term ‘lost or missing participant’ 

6 for purposes of this subsection.’’. 

7 (B) CONFORMING AMENDMENTS.—Section 

8 4050(a)(1)(B) of the Employee Retirement In9 come Security Act of 1974 (29 U.S.C. 

10 1350(a)(1)) is amended— 

11 (C) in subparagraph (B)— 

12 (i) by striking ‘‘provides’’ and insert13 ing ‘‘either— 

14 ‘‘(i) provides’’; 

15 (ii) by striking the period at the end 

16 and inserting ‘‘; or’’; and 

17 (iii) by adding at the end the fol18 lowing new clause: 

19 ‘‘(ii) satisfies the requirements of sec20 tion 6057(a) of the Internal Revenue Code 

21 of 1986.’’. 

22 (e) REQUIREMENT OF ELECTRONIC FILING.— 

23 (1) IN GENERAL.—Paragraph (2) of section 

24 6011(e) of the Internal Revenue Code of 1986 is 

25 amended— 


pamtmann on DSKBC07HB2PROD with BILLS
12 

•S 4192 IS

1 (A) by redesignating subparagraphs (A) 

2 and (B) as clauses (i) and (ii), respectively, and 

3 by moving such clauses 2 ems to the right; 

4 (B) by striking ‘‘REGULATIONS.—In pre5 scribing’’ and inserting ‘‘REGULATIONS.— 

6 ‘‘(A) IN GENERAL.—In prescribing’’; and 

7 (C) by adding at the end the following new 

8 subparagraph: 

9 ‘‘(B) EXCEPTIONS.—Notwithstanding sub10 paragraph (A), the Secretary shall require re11 turns or reports required under— 

12 ‘‘(i) sections 6057, 6058, and 6059, 

13 and 

14 ‘‘(ii) sections 408(i), 6041, and 6047 

15 to the extent such return or report relates 

16 to the tax treatment of a distribution from 

17 a plan, account, contract, or annuity, 

18 to be filed on magnetic media, but only with re19 spect to persons who are required to file at 

20 least 50 returns during the calendar year which 

21 includes the first day of the plan year to which 

22 such returns or reports relate.’’. 

23 (2) EFFECTIVE DATE.—The amendments made 

24 by this subsection shall apply to returns and reports 

25 relating to years beginning after the second DecemVerDate Sep 11 2014 19:51 Jul 15, 2020 Jkt 099200 PO 00000 Frm 00012 Fmt 6652 Sfmt 6201 E:\BILLS\S4192.IS S4192

pamtmann on DSKBC07HB2PROD with BILLS
13 

•S 4192 IS

1 ber 31 occurring after the date of the enactment of 

2 this Act. 

3 (f) SAFEGUARDING PARTICIPANT PRIVACY AND SE4 CURITY.—In establishing the Retirement Savings Lost 

5 and Found under subsection (a), the Commissioner of So6 cial Security and the Secretary of the Treasury shall take 

7 all necessary and proper precautions, including consulting 

8 with the Secretary of Health and Human Services, to en9 sure that individuals’ plan information maintained by the 

10 Retirement Savings Lost and Found is protected and that 

11 persons other than the individual cannot fraudulently 

12 claim the benefits to which any individual is entitled, and 

13 to allow any individual to opt out of inclusion in the Lost 

14 and Found at the election of the individual. 

15 (g) CONFORMING AMENDMENT.—Subparagraph (B) 

16 of section 6103(l)(1) of the Internal Revenue Code of 

17 1986 is amended by striking ‘‘responsibility under section 

18 1131 of the Social Security Act’’ and inserting ‘‘respon19 sibilities under section 1131 of the Social Security Act and 

20 section 2(a)(1) of the Retirement Savings Lost and Found 

21 Act of 2020’’. 

22 (h) AUTHORIZATION OF APPROPRIATIONS.—There 

23 are authorized to be appropriated such sums as may be 

24 necessary to carry out the purposes of this section. 


pamtmann on DSKBC07HB2PROD with BILLS
14 

•S 4192 IS

1 SEC. 3. MANDATORY TRANSFERS OF ROLLOVER DISTRIBU2 TIONS. 

3 (a) INVESTMENT OPTIONS.— 

4 (1) IN GENERAL.—Subparagraph (B) of section 

5 404(c)(3) of the Employee Retirement Income Secu6 rity Act of 1974 (29 U.S.C. 1104(c)(3)) is amended 

7 by striking the period at the end and inserting ‘‘, 

8 and, to the extent the Secretary provides in guidance 

9 or regulations issued after the enactment of the Re10 tirement Savings Lost and Found Act of 2020, is 

11 made to— 

12 ‘‘(i) a target date or life cycle fund 

13 held under such account; 

14 ‘‘(ii) as described in section 

15 2550.404a–2 of title 29, Code of Federal 

16 Regulations, an investment product held 

17 under such account designed to preserve 

18 principal and provide a reasonable rate of 

19 return; 

20 ‘‘(iii) the Director of the Retirement 

21 Savings Lost and Found for investment in 

22 accordance with section 4(b)(1)(B) of the 

23 Retirement Savings Lost and Found Act of 

24 2020, or an individual retirement account 

25 (as defined in section 408(a) of such Code) 

26 established by the Secretary of the TreasVerDate Sep 11 2014 19:51 Jul 15, 2020 Jkt 099200 PO 00000 Frm 00014 Fmt 6652 Sfmt 6201 E:\BILLS\S4192.IS S4192

pamtmann on DSKBC07HB2PROD with BILLS
15 

•S 4192 IS

1 ury on behalf of the participant or bene2 ficiary, but only if all applicable reporting 

3 requirements are met with respect to such 

4 transfer; or 

5 ‘‘(iv) such other option as the Sec6 retary may so provide.’’. 

7 (2) REGULATIONS.—Not later than 270 days 

8 after the date of the enactment of this Act, the Sec9 retary of Labor shall promulgate regulations identi10 fying the target date or life cycle funds, or speci11 fying the characteristics of such a fund, that will be 

12 deemed to meet the requirements of section 

13 404(c)(3)(B)(i) of the Employee Retirement Income 

14 Security Act of 1974 (29 U.S.C. 1104(c)(3)(B)), as 

15 amended by paragraph (1). 

16 (b) EXPANSION OF CAP; AUTHORITY TO TRANSFER

17 LESSER AMOUNTS.— 

18 (1) CAP.—Sections 401(a)(31)(B)(ii) and 

19 411(a)(11)(A) of the Internal Revenue Code of 1986 

20 and section 203(e)(1) of the Employee Retirement 

21 Income Security Act of 1974 are each amended by 

22 striking ‘‘$5,000’’ and inserting ‘‘$6,000’’. 

23 (2) LESSER AMOUNTS.—Subparagraph (B) of 

24 section 401(a)(31) of such Code is amended by add25 ing at the end the following new clauses: 


pamtmann on DSKBC07HB2PROD with BILLS
16 

•S 4192 IS

1 ‘‘(iii) TREATMENT OF LESSER

2 AMOUNTS.—In the case of a trust which is 

3 part of an eligible plan, such trust shall 

4 not be a qualified trust under this section 

5 unless such plan provides that, if a partici6 pant in the plan separates from the service 

7 covered by the plan and the nonforfeitable 

8 accrued benefit described in clause (ii) is 

9 not in excess of $1,000, the plan adminis10 trator shall (either separately or as part of 

11 the notice under section 402(f)) notify the 

12 participant that the participant is entitled 

13 to such benefit or attempt to pay the ben14 efit directly to the participant. 

15 ‘‘(iv) TRANSFERS TO RETIREMENT

16 SAVINGS LOST AND FOUND OR TREAS17 URY.—If, after a plan administrator takes 

18 the action required under clause (iii), the 

19 participant does not— 

20 ‘‘(I) within 6 months of the noti21 fication under such clause, make an 

22 election under subparagraph (A) or 

23 elect to receive a distribution of the 

24 benefit directly, or 


pamtmann on DSKBC07HB2PROD with BILLS
17 

•S 4192 IS

1 ‘‘(II) accept any direct payment 

2 made under such clause within 6 

3 months of the attempted payment, 

4 the plan administrator shall transfer the 

5 amount of such benefit to the Director of 

6 the Retirement Savings Lost and Found 

7 established under section 4 of the Retire8 ment Savings Lost and Found Act of 2020 

9 or to an individual retirement account (as 

10 defined in section 408(a)) established by 

11 the Secretary on behalf of the individual. 

12 ‘‘(v) INCOME TAX TREATMENT OF

13 TRANSFERS TO RETIREMENT SAVINGS

14 LOST AND FOUND.—For purposes of deter15 mining the income tax treatment of trans16 fers to the Director of the Retirement Sav17 ings Lost and Found under clause (iv)— 

18 ‘‘(I) such a transfer shall be 

19 treated as a transfer to an individual 

20 retirement plan under clause (i), and 

21 ‘‘(II) the distribution of such 

22 amounts by the Director of the Re23 tirement Savings Lost and Found 

24 shall be treated as a distribution from 

25 an individual retirement plan.’’. 


pamtmann on DSKBC07HB2PROD with BILLS
18 

•S 4192 IS

1 (3) EFFECTIVE DATE.—The amendments made 

2 by this subsection shall apply to vested benefits with 

3 respect to participants who separate from service 

4 connected to the plan in plan years beginning after 

5 the second December 31 occurring after the date of 

6 the enactment of this Act. 

7 (4) RULE OF CONSTRUCTION.—Nothing in this 

8 Act shall be interpreted to prohibit a plan adminis9 trator from transferring the accounts of missing par10 ticipants to the Pension Benefit Guaranty Corpora11 tion pursuant to section 4050 of the Employee Re12 tirement Income Security Act of 1974. 

13 SEC. 4. OFFICE OF THE RETIREMENT SAVINGS LOST AND 

14 FOUND. 

15 (a) IN GENERAL.—Not later than one year after the 

16 date of the enactment of this Act, the Commissioner of 

17 Social Security and the Secretary of the Treasury shall 

18 establish within the appropriate agency or subdivision 

19 thereof an Office of the Retirement Savings Lost and 

20 Found, to be administered by a Director of the Retirement 

21 Savings Lost and Found who (without regard to the agen22 cy or subdivision where such Office is established) shall 

23 report to both such Commissioner and such Secretary. 

24 (b) RESPONSIBILITIES OF DIRECTOR.— 


pamtmann on DSKBC07HB2PROD with BILLS
19 

•S 4192 IS

1 (1) IN GENERAL.—In addition to administering 

2 the Retirement Savings Lost and Found under sec3 tion 2 and carrying out the duties described in sub4 paragraphs (B) and (C) of section 2(a)(1), the Di5 rector of the Retirement Savings Lost and Found 

6 established under this section shall— 

7 (A) perform an annual audit of plan infor8 mation contained in the Retirement Savings 

9 Lost and Found and ensure that such informa10 tion is current and accurate; 

11 (B) invest any amount transferred under 

12 section 401(a)(31)(B)(iv) of the Internal Rev13 enue Code of 1986 in United States Treasury 

14 securities; and 

15 (C) upon application filed by the partici16 pant or beneficiary in such form and manner as 

17 may be prescribed in regulations, pay to the 

18 participant or beneficiary the amount trans19 ferred (or the appropriate survivor benefit) ei20 ther— 

21 (i) in a single sum (plus interest); or 

22 (ii) in such other form as is specified 

23 in regulations; and 

24 (D) identify such amount as eligible to be 

25 paid into an eligible retirement plan described 


pamtmann on DSKBC07HB2PROD with BILLS
20 

•S 4192 IS

1 in section 402(c)(8)(B) of the Internal Revenue 

2 Code of 1986. 

3 (2) OPTION TO CONTRACT.—The Director of 

4 the Retirement Savings Lost and Found shall con5 duct an analysis of the cost effectiveness of con6 tracting with a third party to carry out the respon7 sibilities under paragraph (1) and, if the Director 

8 determines that it would be more cost effective to do 

9 so than to carry out such responsibilities within the 

10 Office of the Retirement Savings Lost and Found, 

11 the Director shall report to the Committees on Fi12 nance and Health, Education, Labor, and Pensions 

13 of the Senate and the Committees on Ways and 

14 Means and Education and Labor of the House of 

15 Representatives the intention to so contract. 

16 (3) OPTION TO PRESCRIBE PROTOCOLS.—The 

17 Director of the Retirement Savings Lost and Found 

18 may establish protocols to assist participants origi19 nally treated as lost or missing in claiming their 

20 benefits under a plan. 

21 (4) COORDINATION.—The Director of the Re22 tirement Savings Lost and Found shall coordinate 

23 with the Pension Benefit Guaranty Corporation and 

24 other applicable agencies to integrate information 


pamtmann on DSKBC07HB2PROD with BILLS
21 

•S 4192 IS

1 and databases on lost, missing, and inactive partici2 pants. 

Æ 


pamtmann on DSKBC07HB2PROD with BILLS