--- title: RCH Consolidation Corner | Missing Participants (2) description: Missing Participants | Keep up to date on all of the latest industry news with RCH1 (2) --- [![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) - 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[Best Practices for Finding Missing Participants](https://rch1.com/plan-sponsors/addressing-the-problem-of-missing-participants/best-practices-for-finding-missing-participants) - [What to Look For in a Search Service](https://rch1.com/plan-sponsors/addressing-the-problem-of-missing-participants/what-to-look-for-in-a-missing-participant-search-service) - [Learn More About Missing Participants](https://rch1.com/plan-sponsors/addressing-the-problem-of-missing-participants/learn-more-about-missing-participants) - [RCH's Missing Participant Search Service](https://rch1.com/plan-sponsors/addressing-the-problem-of-missing-participants/the-rch-missing-participant-search-service) - [Terminating 401(k) Plans](https://rch1.com/plan-sponsors/terminating-a-401k-plan) - [Why 401(k) Plans Terminate](https://rch1.com/plan-sponsors/terminating-a-401k-plan/why-do-401k-plans-terminate) - [The Process for Terminating 401(k) Plans](https://rch1.com/plan-sponsors/terminating-a-401k-plan/what-is-the-process-for-terminating-a-401k-plan) - 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Opinions are split on this weighty philosophical matter, but a more-definitive answer to another question may surprise you. If a search for a [missing participant](https://rch1.com/missing-participants) is not properly documented, is it a diligent search? To [regulatory authorities who may scrutinize a plan sponsor’s search efforts](https://rch1.com/plan-sponsors/addressing-the-problem-of-missing-participants/what-regulations-apply-to-missing-participants), the answer is decidedly “no.” For a regulator to consider a search to be diligent, it must be well-documented, and to do otherwise can result in audits, penalties and increased fiduciary risk. [Read More](https://blog.rch1.com/blog/five-tips-for-documenting-missing-participant-searches) Feb 14 2023 ## [The Important Task of Determining Participants’ Life Status](https://blog.rch1.com/blog/the-important-task-of-determining-participants-life-status) ![PPT\_Life\_Status2](https://blog.rch1.com/hs-fs/hubfs/PPT_Life_Status2.png?width=200&height=113&name=PPT_Life_Status2.png)Determining retirement plan participants’ life status is an important, albeit uncomfortable task for plan sponsors. Whereas plan participants are typically more concerned about securing a comfortable retirement income that lasts for life, plan sponsors must deal with deceased participants who will leave behind residual plan benefits requiring proper administration. [Read More](https://blog.rch1.com/blog/the-important-task-of-determining-participants-life-status) Sep 26 2022 ## [Why DEI and ‘Traditional’ Automatic Rollovers Don’t Mix](https://blog.rch1.com/blog/why-dei-and-traditional-automatic-rollovers-dont-mix) ![Oil-water](https://blog.rch1.com/hs-fs/hubfs/Oil-water.png?width=200&name=Oil-water.png)In the retirement community, momentum is growing to make our 401(k) system more inclusive and to ensure that retirement savings are more equitable. [Read More](https://blog.rch1.com/blog/why-dei-and-traditional-automatic-rollovers-dont-mix) Sep 15 2022 ## [How Consultants Can Miss the Mark on 401(k) Automatic Rollovers](https://blog.rch1.com/blog/how-consultants-can-miss-the-mark-on-401k-automatic-rollovers) ![Consultants](https://blog.rch1.com/hs-fs/hubfs/Consultants.png?width=200&name=Consultants.png)I'm a big fan of 401(k) plan consultants, who’ve been forceful advocates for the adoption of best practices at leading retirement plan sponsors. So, it’s surprising to me that, when it comes to [automatic rollover](https://rch1.com/automatic-rollovers) programs, consultants sometimes miss the mark, at least in terms of participant outcomes. [Read More](https://blog.rch1.com/blog/how-consultants-can-miss-the-mark-on-401k-automatic-rollovers) Aug 09 2022 ## [Three Ways 401(k) Plan Sponsors Can Boost Participants’ Awareness on National Financial Awareness Day](https://blog.rch1.com/blog/three-ways-401k-plan-sponsors-can-boost-participants-awareness-on-national-financial-awareness-day) ![National Awareness Day](https://blog.rch1.com/hs-fs/hubfs/National%20Awareness%20Day.png?width=200&name=National%20Awareness%20Day.png)August 14th is [National Financial Awareness Day](https://nationaltoday.com/national-financial-awareness-day/#:~:text=August%2014%20is%20National%20Financial%20Awareness%20Day%20and%20a%20good,and%20prepare%20for%20the%20future.), and 401(k) plan sponsors have been instrumental in increasing the financial awareness of millions of Americans by providing them with access to workplace retirement savings plans that materially enhance their prospects for a timely and comfortable retirement. [Read More](https://blog.rch1.com/blog/three-ways-401k-plan-sponsors-can-boost-participants-awareness-on-national-financial-awareness-day) Jul 12 2022 ## [Why Missing Participants Are So Misunderstood](https://blog.rch1.com/blog/why-missing-participants-are-so-misunderstood) ![MPs Misunderstood](https://blog.rch1.com/hs-fs/hubfs/MPs%20Misunderstood.png?width=200&name=MPs%20Misunderstood.png)Winston Churchill, once referring to the intentions of the former Soviet Union, stated: “it is a riddle, wrapped in a mystery, inside an enigma.” For 401(k) plan sponsors, that’s an apt description for the problem of [missing participants](https://rch1.com/missing-participants). [Read More](https://blog.rch1.com/blog/why-missing-participants-are-so-misunderstood) May 23 2022 ## [Re-Thinking the Automatic Rollover IRA](https://blog.rch1.com/blog/re-thinking-the-automatic-rollover-ira) ![Re-Thinking Auto Rollover IRAs](https://blog.rch1.com/hs-fs/hubfs/Re-Thinking%20Auto%20Rollover%20IRAs.png?width=200&name=Re-Thinking%20Auto%20Rollover%20IRAs.png)Selecting an [automatic rollover IRA](https://rch1.com/automatic-rollovers) provider used to be easy. Most 401(k) plan sponsors simply accepted the solution offered through their recordkeeper or TPA. Others performed due diligence, using a limited set of criteria including basic fees, investment options and accountholder service. [Read More](https://blog.rch1.com/blog/re-thinking-the-automatic-rollover-ira) May 16 2022 ## [401(k) Portability in Four Movements](https://blog.rch1.com/blog/401k-portability-in-four-movements) ![401k Portability in Four Movements](https://blog.rch1.com/hs-fs/hubfs/401k%20Portability%20in%20Four%20Movements.png?width=200&name=401k%20Portability%20in%20Four%20Movements.png)Over the past 15 years, a very large (250,000+ participants) 401(k) plan sponsor that our company has had the opportunity to serve has been highly successful in delivering improved participant outcomes by incrementally adopting a full program of retirement savings portability. Were the plan’s experience set to music, it could be described as “401(k) Portability in Four Movements” – opening with discordant levels of cashout leakage but quickly building towards more satisfying participant outcomes, including substantial improvements in the preservation and consolidation of retirement savings. [Read More](https://blog.rch1.com/blog/401k-portability-in-four-movements) Mar 08 2022 ## [Consolidation is Vital to Reducing 401(k) Cybersecurity Risk](https://blog.rch1.com/blog/consolidation-is-vital-to-reducing-401k-cybersecurity-risk) ![Cyber Padlock](https://blog.rch1.com/hs-fs/hubfs/Cyber%20Padlock.png?width=200&name=Cyber%20Padlock.png)With $10 trillion in 401(k) and other defined contribution retirement assets to safeguard, retirement industry regulators are intensely focused on the issue of cybersecurity. The latest developments signifying regulatory resolve include enforcement actions by the Securities and Exchange Commission (SEC), who in August 2021 sanctioned 8 firms in three separate actions (links [here](https://www.sec.gov/litigation/admin/2021/34-92800.pdf), [here](https://www.sec.gov/litigation/admin/2021/34-92806.pdf) and [here](https://www.sec.gov/litigation/admin/2021/34-92807.pdf)), for failing to have cybersecurity policies and procedures in place, potentially leading to compromised private client data.  [Read More](https://blog.rch1.com/blog/consolidation-is-vital-to-reducing-401k-cybersecurity-risk) Mar 03 2022 ## [Towards a Sustainable and “Greener” 401(k) System](https://blog.rch1.com/blog/towards-a-sustainable-and-greener-401k-system) ![DC\_Landfill](https://blog.rch1.com/hs-fs/hubfs/DC_Landfill.png?width=200&name=DC_Landfill.png)“America’s retirement system is sustainable” said no one, ever. That’s the basis for my somewhat cynical reaction to a February 14th, 2022, Request for Information (RFI) issued by the DOL’s Employee Benefits Security Administration (EBSA). The RFI ([Request for Information on Possible Agency Actions to Protect Life Savings and Pensions from Threats of Climate-Related Financial Risk](https://www.dol.gov/newsroom/releases/ebsa/ebsa20220211)) was issued pursuant to a [May 20th, 2021 Executive Order](https://www.govinfo.gov/content/pkg/FR-2022-02-14/pdf/2022-02798.pdf), and asks respondents to identify climate change related threats to “the life savings and pensions of U.S. workers and families.” [Read More](https://blog.rch1.com/blog/towards-a-sustainable-and-greener-401k-system) Page: [‹](https://blog.rch1.com/blog) [1](https://blog.rch1.com/blog) [2](https://blog.rch1.com/blog/topic/missing-participants/page/2) [3](https://blog.rch1.com/blog/topic/missing-participants/page/3) [4](https://blog.rch1.com/blog/topic/missing-participants/page/4) [5](https://blog.rch1.com/blog/topic/missing-participants/page/5) [›](https://blog.rch1.com/blog/topic/missing-participants/page/3) [Tweets by @RCHConsolidate](https://twitter.com/RCHConsolidate) - 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