Employees who change jobs frequently only have small 401(k) balances. The Department of Labor has issued a rule endorsing the Retirement Clearing House’s Auto-Portability Program. Accounts under $5,000 can be transferred to an IRA and then rolled over to their new employer’s retirement programs. The objective: improve overall asset allocation, eliminate duplicative fees for small retirement savings accounts, and reduce leakage of retirement savings (which occurs when employees cash out their benefits when they leave a job). Cost: $59 per transfer.