--- title: "Making Your Day, Re-Visited: When Retirement Savers’ Luck Runs Out" description: In his most recent article in MarketWatch, RCH’s Spencer Williams reprises last year’s 7/10/15 article where he channeled Clint Eastwood’s iconic movie hero “Dirty Harry” Callahan. image: http://blog.rch1.com/hubfs/Publications/MarketWatch/Logo/marketwatch-logo.png --- [![Retirement Clearinghouse Logo](https://blog.rch1.com/hs-fs/hubfs/raw_assets/public/Retirement_Clearinghouse_May2022/images/logo.png?width=1000&height=648&name=logo.png "Retirement Clearinghouse Logo")](https://rch1.com/) [Privacy Policy](https://securities.rch1.com/common/PrivacyStatement.pdf) [Sponsors/Service Providers](https://rch1.com/plan-sponsors) [Individuals](https://rch1.com/individuals) [Login](https://rch1.com/#) - [Home](https://rch1.com/home-page) - [Individuals](https://rch1.com/individuals) - [Individuals Home](https://rch1.com/individuals/individuals-home) - [Who is RCH?](https://rch1.com/individuals/who-is-rch) - 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Just like the movie villains whose luck ran out at the hands of Dirty Harry, retirement savers who strand their 401(k) accounts must run a gauntlet of decidedly unlucky outcomes – including involuntary cashouts, automatic rollovers and savings-depleting fees. Unlike Dirty Harry’s foes, retirement savers have a shot at redemption, by rolling their hard-earned savings in to their next employer’s plan. According to the most recent PSCA annual survey of plan sponsors, almost 98% of plans allow roll-ins from other plans, almost 62% from IRAs. However, for those unfortunates who live dangerously and strand their savings, they can take cold comfort in the knowledge that their former employer could [face higher fines](https://blog.rch1.com/blog/new-penalties-for-lost-participants-take-effect) for failing to keep their contact details up-to-date. For those savers that stranded accounts with less than a $5,000 balance, this means their former employer has even more motivation to force those accounts out of the plan and into safe harbor IRAs with the savings-depleting combination of high fees and low returns. 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