"In general, FAB 2014-01 provides that ... plan fiduciaries must employ 'low-cost' steps to locate missing and unresponsive participants.... [T]he size of the participant's account balance must be weighed against the efficacy of higher-cost methods when deciding whether to pursue a more expensive approach when the lower-cost methods fail.... The methods described under FAB 2014-01 reflect the growing ability to locate a missing participant through free internet searches and other electronic databases[.]"  MORE >>