(Bloomberg) — It’s surprisingly easy for employees to lose track of their retirement savings, leaving them to be eaten up by inflation and fees—or even seized by the state.

Americans jump from job to job and, in the rough and tumble of daily life, forget what they’ve left behind. Employers don’t try to find missing retirement plan participants, or businesses are bought and sold or restructured so many times that they lose the records. In the haphazard U.S. retirement system, there’s no easy way to make sure your assets follow you throughout your career. Just rolling over an old 401(k) into a new one, or into an individual retirement account (IRA), can mean weeks of hassles.

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