Commingling assets means that a participant has combined different types of retirement funds with IRA assets. For example, a participant who combines 403(b) plan funds with an IRA will not be able to roll the money back into a 403(b) or qualified retirement plan in the future. A participant who rolls over 401(k) plan funds into a “rollover IRA” account where there have been no IRA contributions keeps the option to move those funds back into another employer’s plan at a later date.

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