End-to-End Small Balance Distribution Management
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Streamlined Processing, Participant Outreach, and Documentation Control
Handling small balance distributions and force-outs can quickly become fragmented across data, notices, and custodial coordination. Plan Rollouts brings the entire process together into a centralized, structured solution that guides each step with consistency and control.By combining participant identification, multi-step outreach, and distribution coordination into one workflow, Plan Rollouts helps reduce manual effort, improve processing accuracy, and maintain clear, audit-ready records from initiation through completion.
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Learn More
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Reduce Risk, Improve Engagement, Automate Compliance
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Plan Rollouts is designed to take the complexity out of managing small balance distributions by:
- Automating participant identification based on plan data
- Sending compliant rollout notices and tracking delivery status
- Managing required waiting periods and follow-ups
- Conducting address searches for missing or undeliverable participants
- Coordinating custodial transfers and final distribution processing
- Maintaining complete documentation for audit and compliance purposes
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Why It Matters
- Reduce manual processing and administrative workload
- Ensure consistent adherence to plan document and regulatory requirements
- Minimize fiduciary risk through documented outreach and tracking
- Improve outcomes for terminated and hard-to-locate participants
- Maintain clean, compliant plan records
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Why Choose Plan Rollouts
- End-to-End Automation – From eligibility through distribution, every step is structured and managed
- Data-Driven Process – Integrates plan census data to identify and trigger required actions
- Participant Outreach – Multi-step notifications, tracking, and re-engagement capabilities
- Missing Participant Support – Address searches and re-delivery attempts when needed
- Audit-Ready Documentation – Complete tracking and reporting to support compliance reviews
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Connect with Plan Rollouts For More Information
Plan Rollout powered by Plan Notice Frequently Asked Questions (FAQ's) for Plan Sponsors
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What is the Small Balance Force Out Service?
It is an automated service that simplifies small balance distributions for terminated participants by identifying eligible participants, delivering required notifications, managing compliance documentation, obtaining sponsor approvals, and coordinating IRA transfers, where applicable.
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Is this service required?
No. The service is optional, but small balance force outs are typically required under your plan document. This service helps ensure those requirements are met efficiently.
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Is there a cost to the plan?
As a benefit to our plan sponsors, TRA will not be passing on any costs from Plan Rollouts. There is no fee to the plan sponsor for this service.
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Are there any participant fees?
Yes. If a participant’s balance is forced out, standard participant distribution fees apply, consistent with your plan’s current fee structure with TRA.
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How often does this happen?
The frequency of force-outs can range from quarterly to annually, dependent upon the size of the plan and volume of terminated participants with qualifying balances.
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Do I still have control?
Yes. Before each force‑out:
- You will receive a summary for review.
- You must digitally approve the force‑out, unless you utilize TRA’s 3(16) services
- You may remove any participant you do not want included.
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What happens if I do nothing?
Your plan will remain enrolled in the Plan Rollouts service.
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How do I opt out if I don’t want this service?
Simply email TRA stating that you would like to opt out of the Plan Rollouts service.
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Why would I want this service?
Clients often remain enrolled in this service because it:
- Minimizes missing participant fiduciary risk
- Reduces lost or inactive participants, potentially lower plan fees
- Reduces administrative time and paperwork
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