Personal Finance Spillover And Life EventsLife Event

Old 401k moved between custodians showing zero balance and missing funds panic

April 6, 2026r/personalfinance

In r/personalfinance, people report old employer 401k accounts showing 0 after a custodian conversion, then scramble between ADP, Fidelity, and former HR to locate rollovers, checks, or unclaimed property.

I logged in one day to find that my account had 0 dollars in it.
logged into my old 401K, it was converted and reduced to 0; i don't know where the money went
I called ADP and they told me it went to fidelity. I went to fidelity and they have no record of it.
It sounds like your old employer changed custodians.
lost property/unclaimed money - your state website. 90% chance that's where it is.
r/personalfinance
401k rollovercustodian transfermissing fundsfidelity

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