So... you've been working for 2 decades and you didn't open a financial document from the company who MANAGED YOUR RETIREMENT PLAN because you thought you didn't have to do anything?

Worst case scenario: That letter contained a check for the balance of your 401(k). You had 60 days to roll it over into something like a traditional IRA - now you owe 10% of the balance of your 401(k) in taxes.