Manifest Insights

Frequent job changes create scattered 401(k) accounts, leading to higher fees, lost growth opportunities, and reduced engagement with retirement savings.

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People change jobs 12 times on average and the retirement system leaves billions trapped in old accounts with high fees and lost savings.

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Old retirement transfer methods waste time, add costs, and make it harder for employees to manage their savings.

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Inactive 401(k) accounts burden employers with high fees, compliance risks, and wasted resources.

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Having multiple retirement accounts is messy, costly, and time-consuming for both employees and HR teams.

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Billions in retirement savings are lost each year as participants struggle to move accounts between jobs.

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