--- title: RCH Consolidation Corner (21) description: Keep up to date on all of the latest industry news with RCH1 (21) --- [![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. --- 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) Sep 07 2018 ## [Three Unique 401(k) Hacks for National 401(k) Day](https://blog.rch1.com/blog/three-unique-401k-hacks-for-national-401k-day) ![Three 401k Hacks](https://blog.rch1.com/hs-fs/hubfs/Three%20401k%20Hacks.jpg?width=200&name=Three%20401k%20Hacks.jpg)In observance of National 401(k) Day, we’ve compiled three unique 401(k) “hacks” – simple but clever tips for managing your retirement savings more easily and efficiently. [Read More](https://blog.rch1.com/blog/three-unique-401k-hacks-for-national-401k-day) Aug 23 2018 ## [Don’t Become a 401(k) DIY Horror Story](https://blog.rch1.com/blog/dont-become-a-401k-diy-horror-story) ![401k DIY Horror Story](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/401k%20DIY%20Horror%20Story.png?width=200&name=401k%20DIY%20Horror%20Story.png)With unemployment nearing historic lows, more career opportunity inevitably translates into greater job mobility. That means that more 401(k) participants will be changing jobs and will face important decisions on what to do with their retirement savings. [Read More](https://blog.rch1.com/blog/dont-become-a-401k-diy-horror-story) Aug 16 2018 ## [A Tale of Two 401(k) Balance Segments](https://blog.rch1.com/blog/a-tale-of-two-401k-balance-segments) ![A Tale of Two 401k Balance Segments](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/A%20Tale%20of%20Two%20401k%20Balance%20Segments.png?width=200&name=A%20Tale%20of%20Two%20401k%20Balance%20Segments.png)It was the best of times, it was the worst of times.  For job-changing 401(k) participants with balances greater than $15,000, it was the spring of financial wellness, as the bulk of their retirement savings would remain intact.  For less-aristocratic 401(k) savers with balances below $15,000, it was the winter of despair, as most of their savings would be lost on the cashout chopping block or forcibly exiled to a safe harbor IRA, where more savings would perish. [Read More](https://blog.rch1.com/blog/a-tale-of-two-401k-balance-segments) Aug 09 2018 ## [The Next Big Advancement for the 401(k)](https://blog.rch1.com/blog/the-next-big-advancement-for-the-401k) [![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/the-next-big-advancement-for-the-401k) Although the 401(k) is today the primary retirement-savings vehicle for many hardworking Americans, it can be easy to forget that the 401(k) is still a relatively new phenomenon. [Read More](https://blog.rch1.com/blog/the-next-big-advancement-for-the-401k) Jul 25 2018 ## [401(k) Truth Bomb: Missing Participants are Bad, 401(k) Cashouts Are Worse](https://blog.rch1.com/blog/401k-truth-bomb-missing-participants-are-bad-401k-cashouts-are-worse) ![This Way to Your Next Job](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/This%20Way%20to%20Your%20Next%20Job.png?width=200&name=This%20Way%20to%20Your%20Next%20Job.png)The [problem of missing participants](https://blog.rch1.com/blog/rch-releases-new-video-addressing-the-problem-of-missing-participants) continues to receive a great deal of attention from plan sponsors, industry advocates, regulators and politicians.  All parties are keen to address the negative outcomes that result when job-changing 401(k) participants leave behind their accounts with former employers, relocate and fail to update their address. [Read More](https://blog.rch1.com/blog/401k-truth-bomb-missing-participants-are-bad-401k-cashouts-are-worse) Jul 17 2018 ## [Regulators and Policy Advocates Focus on Retirement Savings Portability](https://blog.rch1.com/blog/regulators-and-policy-advocates-focus-on-retirement-savings-portability) [![Retirement Savings Portability](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/CC%20Blog%20071718%20TH.png?width=200&name=CC%20Blog%20071718%20TH.png)Research has conclusively demonstrated](https://info.rch1.com/brg-white-paper) that retirement savings portability dramatically reduces 401(k) cashout leakage, preserves retirement savings and reduces the incidence of missing participants. With that in mind, it’s not surprising that recent retirement public policy activities are increasingly focused on various aspects of portability. [Read More](https://blog.rch1.com/blog/regulators-and-policy-advocates-focus-on-retirement-savings-portability) Jul 06 2018 ## [Auto Portability’s Role in Helping Women Save More for Retirement](https://blog.rch1.com/blog/auto-portabilitys-role-in-helping-women-save-more-for-retirement) [![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/auto-portability-key-to-helping-women-save-in-retirement) If current trends continue, approximately 104 million women will cash out almost $800 billion in retirement savings, in today’s dollars, over the next generation. This eye-popping statistic, presented at a [“Women and Retirement Income” roundtable discussion](https://blog.rch1.com/blog/understanding-and-solving-the-problem-of-womens-401k-cashout-leakage) on May 22 sponsored by the Women’s Institute for a Secure Retirement (WISER), underscores the importance of financial wellness initiatives by plan sponsors to help women participants avoid cash-outs and instead [preserve their 401(k) savings in the retirement system](https://www.benefitnews.com/opinion/a-blueprint-for-lifetime-participation-in-401-k-plans). [Read More](https://blog.rch1.com/blog/auto-portabilitys-role-in-helping-women-save-more-for-retirement) Jun 26 2018 ## [RCH Releases New Video “Addressing the Problem of Missing Participants”](https://blog.rch1.com/blog/rch-releases-new-video-addressing-the-problem-of-missing-participants) ![Addressing the Problem of Missing Participants](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/AddressingProblemMissingParticipantsCoverImage.png?width=200&name=AddressingProblemMissingParticipantsCoverImage.png) Retirement Clearinghouse (RCH) has released a new video “Addressing the Problem of Missing Participants.” The video integrates new research findings from the March 2018 study “[The Mobile Workforce’s Missing Participant Problem](https://info.rch1.com/missing-participant-survey)” and provides viewers with the most-complete and factual summary of the problem, including: [Read More](https://blog.rch1.com/blog/rch-releases-new-video-addressing-the-problem-of-missing-participants) Jun 21 2018 ## [Benefits Professionals: Avoid Becoming ‘Collateral Damage’ in a Cyberattack](https://blog.rch1.com/blog/benefits-professionals-avoid-becoming-collateral-damage-in-a-cyberattack) ![Collateral Damage](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/Collateral%20Damage.png?width=200&name=Collateral%20Damage.png)To readers aware of the ongoing, intense media focus on cyberattacks, it should come as no surprise that multiple studies show that the frequency and sophistication of cyberattacks is increasing, rising dramatically in 2017. [Read More](https://blog.rch1.com/blog/benefits-professionals-avoid-becoming-collateral-damage-in-a-cyberattack) Page: [‹](https://blog.rch1.com/blog/page/20) [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) [23](https://blog.rch1.com/blog/page/23) [›](https://blog.rch1.com/blog/page/22) [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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