The typical American will have worked at seven employers over the course of their careers, accruing all sorts of experience but often leaving behind something hard to replace: their retirement savings accounts.

It's a big problem: Whether it's inertia, neglect or simple forgetfulness, 15 million orphaned 401(k) accounts representing more than $1 trillion in investment dollars littered the financial landscape in 2010.

According to an ING Direct USA survey, 50 percent of American adults who've participated in a 401(k) or equivalent retirement plan left an account at a previous employer.

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