Most retirement plans have advanced identity theft and fraud protection safeguards, and a recent Identity Force survey indicated that 68% of HR executives are actively looking at identity theft protection as an employee perk.

To determine how safe your account is, review the online fraud policies and recommendations of your retirement plan provider. Check your account balances and activity at least once a month to be sure there has been no unauthorized trading. To be extra vigilant, be sure to change your username, password and security questions every six to nine months.