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Discover Hidden Retirement Funds: A Guide for Salesforce Employees

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Healthcare Provider Update: Healthcare Provider for Salesforce: Salesforce employees typically navigate their health benefits through various providers, depending on their specific plan choices. The primary healthcare coverage options often include large national insurers such as UnitedHealthcare, Anthem, and Aetna, which facilitate a range of services for employees. Potential Healthcare Cost Increases in 2026: In 2026, Salesforce employees are likely to face significant healthcare cost increases as a perfect storm of factors converge. Premium rates for ACA marketplace plans are anticipated to surge, with some states experiencing increases of over 60%. This escalation is driven by rising medical costs, particularly for high-priced medications, alongside the potential expiration of enhanced federal premium subsidies. As a result, many employees could see their out-of-pocket expenses skyrocket, forcing them to reassess their healthcare options and budget for the financial impact ahead. Click here to learn more

'Salesforce employees can greatly benefit from using resources like the Retirement Savings Lost and Found Database and Treasury Hunt to recover unclaimed assets, so that no part of their hard-earned retirement savings is left behind.' — Paul Bergeron, a representative of The Retirement Group, a division of Wealth Enhancement.

'Salesforce employees should take advantage of tools like the Retirement Savings Lost and Found Database to track down unclaimed funds, so they can optimize their retirement savings potential.' — Tyson Mavar, a representative of The Retirement Group, a division of Wealth Enhancement.

In this article, we will discuss:

  1. The federal resources available to help locate lost or unclaimed retirement savings.

  2. Key tools like the Retirement Savings Lost and Found Database and other platforms to recover forgotten financial assets.

  3. How retirees can track down unclaimed bank accounts, savings bonds, and pension plans to make the most of their retirement savings.

The Retirement Savings Lost and Found Database is a federal initiative aimed at helping individuals locate their lost pension and 401k funds. Launched by the U.S. Department of Labor (DOL), this tool is one of many available resources designed to assist Salesforce employees and others in recovering unclaimed financial assets.

Earlier this year, the public was granted access to  the DOL’s database . This platform is particularly useful for Salesforce employees who might have lost track of their 401k accounts due to job changes or relocations. Additionally, individuals can seek assistance from the nonprofit  Pension Rights Center . If your employer or pension plan falls under one of the 30 states covered by the U.S. Administration for Community Living's Pension Counseling and Information Program, the center will link you to free services.

For Salesforce employees looking to recover unclaimed benefits from closed private sector pension plans, the Pension Benefit Guaranty Corporation (PBGC) offers an online platform at  pbgc.gov/workers-retirees . Even if the company that sponsored a pension plan has gone out of business, PBGC helps make certain that retirees continue to receive their benefits.

A searchable database for unclaimed funds across 49 states, Washington D.C., and Puerto Rico is available at  missingmoney.com . Managed by the National Association of State Treasurers, this website aids in locating various unclaimed assets, including uncashed checks from banks, businesses, and local governments, dormant brokerage accounts, and even the contents of unclaimed safe-deposit boxes. The website also provides direct access to the Hawaii-specific register for residents with assets in the state.

Additionally, Salesforce employees can locate U.S. savings bonds or other treasury securities that may have gone unpaid by visiting  treasuryhunt.gov . This tool, managed by the U.S. Department of the Treasury, allows individuals to search for unpaid bonds or interest payments by entering their Social Security number, full name, and state. It may be particularly helpful for Salesforce employees who may have inherited or forgotten about savings bonds purchased years ago. By entering your full name, state, and Social Security number, you can find out if you are eligible for any unclaimed funds. The federal government is dedicated to reuniting people with their unclaimed financial assets, and this service plays a significant role in that mission.

The Department of Labor's  Workers Owed Wages website  is another critical resource for those seeking back wages that might have been left unpaid. If you haven’t collected any unpaid wages, you can file a claim within three years.

Lastly, if you have funds trapped in bank or credit union failures, you may be able to retrieve them. The Federal Deposit Insurance Corporation (FDIC) tracks  unclaimed deposits from closed banks , and the  National Credit Union Administration’s website  lists funds left behind by bankrupt credit unions, which can be reclaimed by their rightful owners.

For more detailed instructions on locating and recovering unclaimed assets, visit  aarp.org/unclaimed . These resources are invaluable in making certain that all funds, regardless of size, are successfully tracked down.

Learn how to recover forgotten assets like pension plans, unclaimed retirement savings, and dormant bank accounts. Discover where to search for unclaimed savings bonds, misplaced 401ks, and uncashed checks. To track down hidden money you might not even know you have, start with the DOL's recently launched Retirement Savings Lost and Found Database and other platforms like treasuryhunt.gov and missingmoney.com. Don’t miss out on potential retirement savings—uncover your hidden funds and make sure you are saving as much as possible for the future.

Unclaimed retirement savings are much like forgotten treasures—similar to finding valuable artifacts tucked away in an old attic. Lost 401ks, pension plans, uncashed checks, and dormant savings bonds can bolster your financial future, just like rare antiques or mementos discovered in a dusty corner. Just as locating a long-lost family heirloom can bring joy and value, using tools like the Retirement Savings Lost and Found Database or missingmoney.com will help you uncover these assets and make certain every dollar is used effectively for your retirement.

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Sources:

1. U.S. Department of Labor.  'Retirement Savings Lost and Found Database.'  U.S. Department of Labor, Employee Benefits Security Administration (EBSA) , 27 Dec. 2024,  https://lostandfound.dol.gov/?utm_source=chatgpt.com .

2. Pension Benefit Guaranty Corporation (PBGC).  'Find Unclaimed Retirement Benefits.'  Pension Benefit Guaranty Corporation , ongoing updates,  https://www.pbgc.gov/wr/find-unclaimed-retirement-benefits?utm_source=chatgpt.com .

3. National Association of Unclaimed Property Administrators (NAUPA).  'MissingMoney.com.'  National Association of Unclaimed Property Administrators , ongoing updates,  https://missingmoney.com/?utm_source=chatgpt.com .

4. U.S. Department of the Treasury.  'Treasury Hunt.'  U.S. Department of the Treasury , ongoing updates,  https://treasurydirect.gov/savings-bonds/treasury-hunt/?utm_source=chatgpt.com .

5. AARP.  'Show Me the Money: How to Find Unclaimed Assets.'  AARP , May 2025,  https://www.aarp.org/money/personal-finance/how-to-find-unclaimed-assets/?utm_source=chatgpt.com .

What is the 401(k) plan offered by Salesforce?

The 401(k) plan at Salesforce is a retirement savings plan that allows employees to save a portion of their salary on a tax-deferred basis.

Does Salesforce offer a company match for its 401(k) plan?

Yes, Salesforce offers a company match for its 401(k) contributions, helping employees maximize their retirement savings.

How can Salesforce employees enroll in the 401(k) plan?

Salesforce employees can enroll in the 401(k) plan through the employee benefits portal during their onboarding or during open enrollment periods.

What are the contribution limits for Salesforce's 401(k) plan?

The contribution limits for Salesforce's 401(k) plan align with IRS guidelines, which may change annually. Employees should check the latest limits on the IRS website or through Salesforce's benefits resources.

Can Salesforce employees take loans against their 401(k) savings?

Yes, Salesforce allows employees to take loans against their 401(k) savings, subject to certain terms and conditions outlined in the plan documents.

What investment options are available in Salesforce's 401(k) plan?

Salesforce's 401(k) plan offers a variety of investment options, including mutual funds, target-date funds, and other investment vehicles to suit different risk tolerances.

How often can Salesforce employees change their 401(k) contribution amounts?

Salesforce employees can change their 401(k) contribution amounts at any time, subject to the plan's guidelines and payroll processing schedules.

When can Salesforce employees access their 401(k) funds?

Employees can access their 401(k) funds upon reaching retirement age, or in cases of hardship, termination of employment, or disability, following the plan's rules.

Does Salesforce provide financial education regarding its 401(k) plan?

Yes, Salesforce offers financial education resources and workshops to help employees understand their 401(k) options and make informed investment decisions.

Are there any fees associated with Salesforce's 401(k) plan?

Yes, there may be fees associated with managing the 401(k) plan, including administrative fees and investment management fees, which are disclosed in the plan documents.

With the current political climate we are in it is important to keep up with current news and remain knowledgeable about your benefits.
Salesforce provides a defined contribution 401(k) plan with company matching contributions. Employees can contribute pre-tax or Roth (after-tax) dollars, and Salesforce matches 100% of the first 6% of eligible compensation. The plan includes various investment options such as target-date funds, mutual funds, and a self-directed brokerage account. Salesforce also offers an Employee Stock Purchase Plan (ESPP) with a discount on company stock. Financial planning resources and tools are available to help employees manage their retirement savings.
Salesforce grants RSUs that vest over several years, giving employees shares of the company. Additionally, stock options are provided, allowing employees to purchase shares at a set price.
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