Skip to main content
Message Font: Serif | Sans-Serif
No. of Recommendations: 2
I have a Roth 401(k) through this employer. Is that money at risk? My account shows that I am 100% vested and clearly lists my name on the account, but it also shows Overhead Door on there as the name of the plan. The plan is administered through our payroll (paychex).

I appreciate all the replies so far. I hope to keep coming back here as I have more questions or as things develop.

It depends what you mean by "at risk". In the absence of any clearly illegal actions by your employer, your Roth 401(k) is not at risk from your employer becoming insolvent. It is still at risk for losses due to the investment decisions made by you or the entities (such as mutual funds) you entrust your assets to. Your employer's name is on the fund because they are the sponsors of the plan. They decide who the administrators are (such as Fidelity) and what investment choices are available to plan participants.

Print the post  


In accordance with IRS Circular 230, you cannot use the contents of any post on The Motley Fool's message boards to avoid tax-related penalties under the Internal Revenue Code or applicable state or local tax law provisions.
What was Your Dumbest Investment?
Share it with us -- and learn from others' stories of flubs.
When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and Glassdoor #1 Company to Work For 2015! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.