I think you specified a beneficiary for your Allegis/Wells Fargo 401k and your American Funds 401k, and I think one or both these truncated the trust name. What I did was add a contingent beneficiary so that, upon my death, it would roll over to you if they cannot move the money into the trust. I think you should do the same thing so that some of that money doesn't have to through probate before being dispersed. We can do this together if you want.