The feds want to make it easier for workers to move small 401(k) accounts when they switch jobs. The Labor Dept. recently approved a program by Retirement Clearinghouse to automatically transfer 401(k) balances of $5,000 or less of departing employees into individual retirement accounts. When they get new jobs, the balances would then be rolled into their new employers' plans. For each transfer, a maximum one-time fee of $59 would apply. Workers would be able to opt out. It's an idea that could catch on among employers now that the feds are behind it.