Your Old 401(k)s Could Be Costing You Thousands. Here's When and How to Consolidate

By Elizabeth O'Brien

Americans hold an average of 12 different jobs by age 50. Even if you don’t have access to a retirement account at every one, you’ve still probably accumulated your share of 401(k)s over the course of your working life.

Among workers ages 50 to 59, 22% have two 401(k) accounts, while 4% have three accounts and another 4% have four, according to Cerulli Associates, a financial services research and consulting firm.

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