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does something seem like its holding you back maybe your retirement plan is not quite right i can think of multiple things that may add work to your companys list as well as potentially increasing the cost to your company lets talk about just one of these issues terminated employees terminated employees require a lot of extra work inside of your 401k plan one example is the potential for higher costs due to a participant cost and account balance the quicker you remove your low account balance terminated employees from your plan the quicker your average account balance increases giving you the capability to lower your overall cost at the platform level a second example is participant disclosures [Music] think of all the time your company is going to spend tracking down those addresses and processing the return mail to find a new address for the same terminated participant and all the postage it is going to take to get those notices out and to the correct address or what about the cha