---
title: Download A Sample Missing Participant Policy Template
description: Download A Sample Missing Participant Policy Template
image: https://info.rch1.com/hubfs/Sample%20Policy.png
---

[![Retirement ClearingHouse](https://info.rch1.com/hubfs/Retirement%20Clearinghouse%20December2017/Images/logo%20(1).png)](https://rch1.com/)

## Search Our Site



Close

# Download a Sample Missing Participant Policy Template

### UPDATED 6/15/26: An effective missing participant policy is vital for defined contribution plan sponsors.

Having a documented missing participant policy is about fulfilling a plan sponsor’s fiduciary duty to act in the best interests of plan participants, and to ensure that they receive benefits they are owed.  It not only guides a plan sponsor’s actions, but it can also signal to regulatory agencies that a sponsor is serious about undertaking reasonable efforts to identify and locate missing participants. 

NOTE: This policy template has been updated as of June 15, 2026.  

**DISCLAIMER: **This is a sample policy and is not legal advice.  It may need to be modified to comply with the specific terms of your plan document and applicable laws. It's recommended to consult with a qualified plan administrator or legal professional to ensure your policy is compliant and effective.

Complete the form below to get your free copy. 

### Resource Download

Individuals should consult their tax advisers or legal counsel for advice and information concerning their particular situation. Retirement Clearinghouse does not give legal, investment, or tax advice. IRA account fees and product information provided by Retirement Clearinghouse, LLC is subject to change without notice at the discretion of the IRA Provider. RCH Shareholder Services is a wholly owned subsidiary of Retirement Clearinghouse, LLC and a registered transfer agent with the U.S. Securities and Exchange Commission.

© 2026 Retirement Clearinghouse, LLC. This site is directed at, and made available to, persons in the U.S. and Puerto Rico.  
[Privacy Policy](https://rch1.com/privacy-policy)  /  [Sitemap](https://rch1.com/sitemap)