--- title: RCH Consolidation Corner (20) description: Keep up to date on all of the latest industry news with RCH1 (20) --- [![Retirement Clearinghouse Logo](https://blog.rch1.com/hs-fs/hubfs/raw_assets/public/Retirement_Clearinghouse_May2022/images/logo.png?width=1000&height=648&name=logo.png "Retirement Clearinghouse Logo")](https://rch1.com/) [Privacy Policy](https://securities.rch1.com/common/PrivacyStatement.pdf) [Sponsors/Service Providers](https://rch1.com/plan-sponsors) [Individuals](https://rch1.com/individuals) [Login](https://rch1.com/#) - [Home](https://rch1.com/home-page) - [Individuals](https://rch1.com/individuals) - [Individuals Home](https://rch1.com/individuals/individuals-home) - [Who is RCH?](https://rch1.com/individuals/who-is-rch) - [Why Does RCH Have My Retirement Savings?](https://rch1.com/individuals/why-does-rch-have-my-retirement-funds) - [Manage Your RCH IRA Account](https://rch1.com/individuals/manage-your-rch-ira-account) - [Cash Out Calculator](https://rch1.com/individuals/cash-out-calculator) - 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[Roll-In](https://blog.rch1.com/blog/topic/roll-in) - [Safe Harbor IRA](https://blog.rch1.com/blog/topic/safe-harbor-ira) - [Saver's Match](https://blog.rch1.com/blog/topic/savers-match) - [Security](https://blog.rch1.com/blog/topic/security) - [Small Accounts](https://blog.rch1.com/blog/topic/small-accounts) - [Stale Dated Checks](https://blog.rch1.com/blog/topic/stale-dated-checks) - [Synthetic Tenure](https://blog.rch1.com/blog/topic/synthetic-tenure) - [Uncashed Check Services](https://blog.rch1.com/blog/topic/uncashed-check-services) - [Uncashed Distribution Checks](https://blog.rch1.com/blog/topic/uncashed-distribution-checks) - [Video](https://blog.rch1.com/blog/topic/video) - [Webcast](https://blog.rch1.com/blog/topic/webcast) - [What is a Missing Participant?](https://blog.rch1.com/blog/topic/what-is-a-missing-participant) [Tweets by @RCHConsolidate](https://twitter.com/RCHConsolidate) ### Consolidation Corner Blog Consolidation Corner is the Retirement Clearinghouse (RCH) blog, and features the latest articles and bylines from our executives, addressing important retirement savings portability topics. --- Feb 13 2019 ## [Auto Portability Boosts 401(k) Plan Results in New EBRI Research](https://blog.rch1.com/blog/auto-portability-boosts-401k-plan-results-in-new-ebri-research) ![EBRI](https://blog.rch1.com/hs-fs/hubfs/Publications/EBRI/EBRIlogo.jpg?width=200&name=EBRIlogo.jpg)The [Employee Benefits Research Institute (EBRI)](https://ebri.org/)has added yet another study to a growing body of research supporting the substantial retirement savings public policy benefits of [auto portability](https://rch1.com/auto-portability). [Read More](https://blog.rch1.com/blog/auto-portability-boosts-401k-plan-results-in-new-ebri-research) Jan 29 2019 ## [Want to Help Minority Participants Save More for Retirement? Adopt Auto Portability](https://blog.rch1.com/blog/want-to-help-minority-participants-save-more-for-retirement-adopt-auto-portability) ![From the Top Spencer Williams](https://blog.rch1.com/hs-fs/hubfs/Publications/RCH/FromTheTopv3-01.png?width=200&name=FromTheTopv3-01.png)Much has been written about America’s retirement-savings shortfall. Much has also been written about one of the major reasons for this shortfall—the lack of technology and operating standards to make [seamless plan-to-plan savings portability](https://www.benefitnews.com/opinion/why-retirement-portability-should-become-employers-next-big-focus) easy for America’s highly mobile workforce. The cumbersome and costly nature of [DIY portability](https://www.benefitnews.com/opinion/diy-plan-to-plan-portability-is-harder-than-you-think) has made prematurely cashing out small-balance 401(k) savings accounts, or stranding them in former employers’ plans, the easiest options for many participants after they change jobs. [Read More](https://blog.rch1.com/blog/want-to-help-minority-participants-save-more-for-retirement-adopt-auto-portability) Jan 22 2019 ## [Sidecar Accounts Can Plug Some 401(k) Leakage—But Not Most Leakage](https://blog.rch1.com/blog/sidecar-accounts-can-plug-some-401k-leakage-but-not-most-leakage) [![Employee Benefit News](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage.jpg?width=200&name=ebnimage.jpg "Employee Benefit News")](https://www.benefitnews.com/opinion/sidecar-accounts-can-help-plug-401k-retirement-leakage)“Not having enough emergency savings for unexpected expenses” is the No. 1 financial concern for Millennials and members of Generation X, and the No. 2 financial concern among Baby Boomers, after retirement security. These findings from a [PwC Employee Financial Wellness Survey](https://www.pwc.com/us/en/industries/private-company-services/library/financial-well-being-retirement-survey.html) released last year shouldn’t surprise members of the retirement services industry, since too many defined contribution plan participants dip into their 401(k) savings—through loans, hardship withdrawals, or cash-outs upon changing jobs—to fund emergency expenses. [Read More](https://blog.rch1.com/blog/sidecar-accounts-can-plug-some-401k-leakage-but-not-most-leakage) Jan 14 2019 ## [Retirement Industry Associations Weigh in on Auto Portability](https://blog.rch1.com/blog/retirement-industry-associations-weigh-in-on-auto-portability) ![Retirement Industry Associations Weigh in on Auto Portability](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/shutterstock_748167652.jpg?width=200&name=shutterstock_748167652.jpg)On 11/7/18, the U.S. Department of Labor (DOL) [proposed](https://www.federalregister.gov/documents/2018/11/07/2018-24377/notice-of-proposed-exemption-involving-retirement-clearinghouse-llc-rch-or-the-applicant-located-in)a Prohibited Transaction Exemption (PTE) for Retirement Clearinghouse’s (RCH) [auto portability](https://rch1.com/auto-portability) program, allowing for public comments by 12/24/18. On 1/7/19, after a brief delay triggered by the partial federal government shutdown, all official public comments were posted. [Read More](https://blog.rch1.com/blog/retirement-industry-associations-weigh-in-on-auto-portability) Dec 20 2018 ## [2018: A Great Year for Retirement Clearinghouse](https://blog.rch1.com/blog/2018-a-great-year-for-retirement-clearinghouse) ![2018\_Video](https://blog.rch1.com/hs-fs/hubfs/2018_Video.png?width=200&name=2018_Video.png)As we pause at the end of 2018 to count our blessing and to celebrate the Holidays, we at Retirement Clearinghouse (RCH) find ourselves grateful for a very successful year. [Read More](https://blog.rch1.com/blog/2018-a-great-year-for-retirement-clearinghouse) Nov 28 2018 ## [What is Auto Portability? It Depends on Who’s Asking.](https://blog.rch1.com/blog/what-is-auto-portability-it-depends-on-whos-asking) ![AP\_definition](https://blog.rch1.com/hs-fs/hubfs/AP_definition.png?width=200&name=AP_definition.png)With the announcement of the Department of Labor’s recent actions, auto portability has taken center stage in the retirement industry. While auto portability has been well-known to a relatively small group of industry insiders, its recent, widespread coverage in the media has many asking the question “what is auto portability?” With so many different -- and important -- perspectives on the matter, the best answer will depend on who’s asking the question.  [Read More](https://blog.rch1.com/blog/what-is-auto-portability-it-depends-on-whos-asking) Nov 26 2018 ## [Auto Portability is Like Bacon—It Makes Everything Better](https://blog.rch1.com/blog/auto-portability-is-like-bacon-it-makes-everything-better) ![Bacon](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Consolidation_Corner/Bacon_Sizzling.png?width=200&name=Bacon_Sizzling.png)When auto enrollment was widely adopted under the Pension Protection Act of 2006, it was a well-intentioned idea for helping Americans save more for retirement. But in this case, what seemed like the perfect recipe for increasing retirement savings for hardworking Americans was missing a key ingredient. [Read More](https://blog.rch1.com/blog/auto-portability-is-like-bacon-it-makes-everything-better) Nov 12 2018 ## [Department of Labor Issues Auto Portability Advisory Opinion](https://blog.rch1.com/blog/department-of-labor-issues-auto-portability-advisory-opinion) ![DOL Issues AP AO](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/DOL%20Issues%20AP%20AO.png?width=200&name=DOL%20Issues%20AP%20AO.png)The Department of Labor (DOL) has issued its [11/06/18 Advisory Opinion 2018-01A on Auto Portability](https://www.dol.gov/sites/dolgov/files/EBSA/about-ebsa/our-activities/resource-center/advisory-opinions/2018-01a.pdf), which can be accessed on the DOL’s website at this [link](https://www.dol.gov/sites/dolgov/files/EBSA/about-ebsa/our-activities/resource-center/advisory-opinions/2018-01a.pdf). [Read More](https://blog.rch1.com/blog/department-of-labor-issues-auto-portability-advisory-opinion) Oct 19 2018 ## [Is Your Missing-Participant Program a Ford Model T or 2018 BMW?](https://blog.rch1.com/blog/is-your-missing-participant-program-a-ford-model-t-or-2018-bmw) [![Employee Benefit News](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage.jpg?width=200&name=ebnimage.jpg "Employee Benefit News")](https://www.benefitnews.com/opinion/is-your-missing-participant-retirement-program-a-ford-model-t-or-2018-bmw) A primary responsibility for fiduciaries is to seek out and identify the best available solutions that enable fulfillment of their responsibilities. For plan sponsors tasked with implementing and evaluating the effectiveness of their missing participant program, this can be a difficult task, particularly given the accelerating rate of technological innovation and the virtual explosion of new sources of data available online. In today’s day and age, what is considered a state-of-the-art program today could easily become obsolete tomorrow, rendering a plan’s missing-participant program vulnerable to [fiduciary liability](https://www.benefitnews.com/opinion/what-the-dols-fiduciary-rule-doesnt-say).  [Read More](https://blog.rch1.com/blog/is-your-missing-participant-program-a-ford-model-t-or-2018-bmw) Sep 27 2018 ## [Pairing 401(k) Savings Preservation and Expanded Access for America’s Minorities](https://blog.rch1.com/blog/pairing-401k-savings-preservation-and-expanded-access-for-americas-minorities) ![092718 Blog Inline Image](https://blog.rch1.com/hs-fs/hubfs/092718%20Blog%20Inline%20Image.png?width=200&name=092718%20Blog%20Inline%20Image.png)Over the past few years, we’ve written extensively about [auto portability](https://rch1.com/autoportability) -- what it is, how it works and the significant, positive impact it will have on the retirement security of working Americans.  Our positions have been supported by [research](https://rch1.com/auto-portability/foundational-research), predictive models (including [EBRI’s RSPM](https://rch1.com/blog/new-ebri-research-finds-2t-saved-from-automated-portability)) and [real-world results](https://info.rch1.com/brt-auto-portability-white-paper) from the initial implementation of auto portability. In this article, we address an important retirement public policy question: How would a pairing of auto portability with open multiple employer plans (or “open MEPs”) impact the retirement savings of America’s minorities, and particularly, African-Americans? [Read More](https://blog.rch1.com/blog/pairing-401k-savings-preservation-and-expanded-access-for-americas-minorities) Page: [‹](https://blog.rch1.com/blog/page/19) [18](https://blog.rch1.com/blog/page/18) [19](https://blog.rch1.com/blog/page/19) [20](https://blog.rch1.com/blog/page/20) [21](https://blog.rch1.com/blog/page/21) [22](https://blog.rch1.com/blog/page/22) [›](https://blog.rch1.com/blog/page/21) [Tweets by @RCHConsolidate](https://twitter.com/RCHConsolidate) - [Blog](https://blog.rch1.com/blog) - [401k Cash Outs](https://blog.rch1.com/blog/topic/401k-cash-outs) - [401k Consolidation](https://blog.rch1.com/blog/topic/401k-consolidation) - [401k Plan Termination](https://blog.rch1.com/blog/topic/401k-plan-termination) - [America's Mobile Workforce](https://blog.rch1.com/blog/topic/americas-mobile-workforce) - [Assisted Roll-in](https://blog.rch1.com/blog/topic/assisted-roll-in) - [Auto Enrollment](https://blog.rch1.com/blog/topic/auto-enrollment) - [Auto Portability](https://blog.rch1.com/blog/topic/auto-portability) - 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