Nobody has replied so here's some thoughts to get you started:
If you withdraw from one plan, don't let them write the check to you. Have them make it payable to the trustee of the plan you are consolidating into. A wire transfer is preferable. These measures avoid the appearance that the disbursement is ordinary income to you in the year they disbursed it.
By all means, consolidate! You could be getting all that info on a single statement. A large investment company like Vanguard, Fidelity, or AIG will accept your current investments held elsewhere and keep them intact, after you direct that those investments be moved into their custody. In fact they will do all the work, you just sign documents requesting them to pull in the investments from other firms and they do the rest.
Vanguard has the lowest costs in the industry, Fidelity had by far the best service when I researched this long ago, and now AIG is presently getting the most new money to manage due to good investment returns and agressive marketing. All are good.
I went with Fidelity 20 ? years ago and have found the service to be uniformly excellent. Checking, credit cards, brokerage, retirement custodian all on one statement with a single monthly grand total. That left me free to think about investment strategy rather than wading through dis-similar monthly statements. Think of something at 3am, no problem, they answer the phone and the kid at the call center has an intelligent answer to anything I can throw at him. Vanguard in contrast had (has?) 40 hour/week EST phone service and I'm 3 time zones west of them.
In the last year of Dad's life he asked me to figure out his investments and as prospective Trustee I saw an enormous need to get things in rational order. For example 30 years ago he bought a couple hundred shares of ATT, then it divested all the baby Bells and they divested things like Lucent, Airtouch Cellular and Vodafone. If those new firms offered a no-fee investment plan, Dad put a few hundred $ into each of the spinoffs. Eventually he had dividend reinvestment plans and direct purchase accounts (not the same thing) as well as personally owned paper shares (not brokerage-held) going with a great number of them. Each separately sent him monthly statements and many sent small dividend checks mysteriously. Year-end was a blizzard of 1099's. And no stockbroker in sight, he was dealing with each company's Dividend Reinvestment or Investor Relations department directly. Who all had robots answer their phones. (Remember this is still the 'Phone Company' in all its many forms). Big mess. Fidelity knew what to do, what to look for, how to consolidate all this into a single monthly statement. That is expertise I don't think you can buy anywhere.
I recommend call Fidelity 800 544 4442 day or night to discuss what you have, and how to consolidate it.
