Find an old Smarte Carte 401(k)
Smarte Carte, Inc. 401(k) Plan
Smarte Carte, Inc. · Plan 002 · EIN 41-0965374 · Saint Paul, MN
Active · plan year 2025 filing401(k)
| Plan administrator | Smarte Carte, Inc. 4455 White Bear Parkway, Saint Paul, MN 55110-7626 | Form 5500 ↗ |
| Recordkeeper (who holds the accounts) | Empower Annuity Insurance Company O | Schedule C ↗ |
| Former employees with balances | 172 separated participants still had money in the plan | Form 5500 ↗ |
Smarte Carte 401(k) match, vesting and fees →
Found it? Your options
| Leave it | Often allowed if your balance is over $7,000. You keep the plan's investments and fees. |
| Move it to your new job's plan | If the new plan accepts roll-ins. Ask the new plan's recordkeeper. |
| Roll it into an IRA | More investment choices, and you control it. A direct rollover avoids withholding and penalties. |
| Cash out | Usually taxed, plus a 10% penalty if you are under 59½. |
General information, not financial or tax advice. Rules depend on your plan and situation.
How to track down the account
- Call the plan administrator or recordkeeper listed on the filing. Have your name, Social Security number and dates of employment ready.
- If the plan terminated, ask the administrator where balances went (another plan, an IRA provider, or a state unclaimed-property office).
- Over 65? Also check the Department of Labor's Retirement Savings Lost and Found database.
Common questions
How do I find my old Smarte Carte 401(k)?
Contact the plan administrator listed on the plan's Form 5500 filing: Smarte Carte, Inc., (651) 429-3614. The accounts are held by the recordkeeper, Empower Annuity Insurance Company O. Have your Social Security number and dates of employment ready.
What is the Smarte Carte 401(k) phone number?
The plan administrator phone number on the plan year 2025 filing is (651) 429-3614.
Contacts are as filed on each plan's latest Form 5500 and may be out of date. PlanFacts is not affiliated with Smarte Carte and does not hold accounts. Not financial advice. Report a correction