"Sin #1: Many plans have provisions to force out small amounts.... This becomes a problem with multiple providers involved because all plan assets count.... Sin #2: Most people are familiar with the retirement plan loan limitations of 50% of account balance, or $50,000 if less. Yet not everybody knows that the $50,000 amount must be reduced by the highest outstanding loan balance in the prior 12 months.... A service provider may deal directly with plan participants and grant loans against balances held within a contract, without taking into account other retirement plan assets."  MORE >>