--- title: RCH Consolidation Corner | Retirement Savings Portability (2) description: Retirement Savings Portability | 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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[Read More](https://blog.rch1.com/blog/dialing-up-the-intensity-of-missing-participant-searches) Jan 13 2023 ## [The Big Shift Towards Auto Portability](https://blog.rch1.com/blog/the-big-shift-towards-auto-portability) ![the\_big\_shift](https://blog.rch1.com/hs-fs/hubfs/the_big_shift.png?width=200&height=113&name=the_big_shift.png)To quote Ferris Bueller: “Life moves pretty fast. If you don't stop and look around once in a while, you could miss it.” For those accustomed to a glacial pace of change in the world of retirement, you could be forgiven if you’ve missed two very recent, tectonic shifts toward the system-wide adoption of auto portability, the new default plan feature that automatically moves small balance retirement savings forward as participants change employers, saving them time and money, while dramatically reducing cashout leakage. [Read More](https://blog.rch1.com/blog/the-big-shift-towards-auto-portability) Jan 04 2023 ## [A No-Brainer Benefit that Advisors can Bring to Plan-Sponsor Clients](https://blog.rch1.com/blog/a-no-brainer-benefit-that-advisors-can-bring-to-plan-sponsor-clients) [![ebnimage](https://blog.rch1.com/hs-fs/hubfs/ebnimage.jpg?width=200&name=ebnimage.jpg)](https://www.benefitnews.com/advisers/opinion/boost-retirement-plan-assets-through-auto-portability)The passage of the Securing a Strong Retirement Act of 2022 (known as “SECURE 2.0”) reinforces the [bipartisan commitment](https://www.benefitnews.com/opinion/auto-portability-is-and-always-will-be-a-bipartisan-solution) in Congress to helping Americans save more for retirement. Signed into law as part of a $1.7 trillion omnibus spending bill signed by President Biden on December 29, the legislation includes a variety of provisions, including the expansion of automatic enrollment in 401(k) and 403(b) plans. Fortuitously, SECURE 2.0 measures related to [auto portability](https://www.prnewswire.com/news-releases/robert-l-johnson-founder-of-the-rlj-companies-and-chairman-of-portability-services-network-lauds-congress-for-including-auto-portability-in-the-secure-2o-act-of-2022--as-part-of-the-omnibus-spending-bill-301710713.html) come shortly after the launch of an industry initiative to make auto portability—a technology solution that can operate in tandem with auto enrollment to optimize plan participants’ retirement outcomes—much more accessible to plan sponsors across the country. [Read More](https://blog.rch1.com/blog/a-no-brainer-benefit-that-advisors-can-bring-to-plan-sponsor-clients) Jul 01 2022 ## [Newly Proposed Legislation Can Help Resolve America’s Retirement-Savings Gaps](https://blog.rch1.com/blog/newly-proposed-legislation-can-help-resolve-americas-retirement-savings-gaps) [![ebnimage](https://blog.rch1.com/hs-fs/hubfs/ebnimage.jpg?width=200&name=ebnimage.jpg)](https://www.benefitnews.com/advisers/opinion/advancing-auto-portability-act-can-resolve-retirement-savings-gaps)Vanguard’s *How America Saves* report for 2022 provided cause for optimism with some of its findings. For example, employee participation rates in Vanguard-managed defined contribution plans remain high, and have not declined year-over-year during the pandemic. The majority of participants in Vanguard plans also increased or maintained their contributions last year, and the average account balance for Vanguard participants increased by 10% year-over-year, to $141,542. [Read More](https://blog.rch1.com/blog/newly-proposed-legislation-can-help-resolve-americas-retirement-savings-gaps) May 05 2022 ## [Addressing the Achilles’ Heel of Auto IRA Programs](https://blog.rch1.com/blog/addressing-the-achilles-heel-of-auto-ira-programs) ![Addressing the Achilles Heel of Auto IRA Programs](https://blog.rch1.com/hs-fs/hubfs/Addressing%20the%20Achilles%20Heel%20of%20Auto%20IRA%20Programs.png?width=200&name=Addressing%20the%20Achilles%20Heel%20of%20Auto%20IRA%20Programs.png)I’m convinced that Auto IRA programs, despite their potential size and strength, suffer from an obvious Achilles’ heel: a lack of retirement savings portability.   Without addressing their portability problem, Auto IRA programs could expand, but may never reach their full potential, housing large numbers of churning, small-balance accounts. However, with adequate support for portability both into and out of these programs, they could dramatically increase the odds that they deliver on their promise of building incremental retirement wealth for millions of Americans. [Read More](https://blog.rch1.com/blog/addressing-the-achilles-heel-of-auto-ira-programs) Apr 28 2022 ## [Key Portability Finding Located in EBRI's Retirement Confidence Survey](https://blog.rch1.com/blog/key-portability-finding-located-in-ebris-retirement-confidence-survey) ![Key Portability Finding Located](https://blog.rch1.com/hs-fs/hubfs/Key%20Portability%20Finding%20Located.png?width=200&name=Key%20Portability%20Finding%20Located.png)An interesting and valuable finding lies buried within EBRI’s 2022 Retirement Confidence Survey (RCS), but you won’t find it referenced in the organization’s initial report, officially released to the public on Thursday, April 28th. In an excerpt of a [report available to survey partners](https://blog.rch1.com/hubfs/Presentation_Decks/2022%20RCS%20Funder%20Report%203.28.22%20Excerpt.pdf#page=3), the RCS found that a plurality of job-changing 401(k) plan participants favored automatic plan-to-plan portability over consolidating their savings to an IRA, or leaving their savings behind in their former employer’s plan. This result comes on the heels of EBRI’s 2021 survey, which found that nearly [9 in 10 participants beli](https://rch1.com/blog/the-case-for-auto-portability-gets-stronger)[eved that auto portability would be valuable](https://rch1.com/blog/the-case-for-auto-portability-gets-stronger) to them. [Read More](https://blog.rch1.com/blog/key-portability-finding-located-in-ebris-retirement-confidence-survey) Apr 05 2022 ## [The Next Area to Tackle for Preserving Retirement Savings: Uncashed Distribution Checks](https://blog.rch1.com/blog/the-next-area-to-tackle-for-preserving-retirement-savings-uncashed-distribution-checks) [![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/advisers/opinion/uncashed-401k-distribution-checks-can-generate-big-savings)Last year marked the 15th anniversary of the [Pension Protection Act of 2006](https://www.benefitnews.com/advisers/opinion/15-years-of-401k-lessons-from-the-pension-protection-act). This legislation included well-intentioned provisions for helping Americans increase their retirement savings, including the capability for defined contribution plan sponsors to [automatically enroll](https://www.benefitnews.com/opinion/the-unintended-consequence-of-401-k-auto-enrollment) employees in their plans. Despite the good intentions behind auto enrollment, and all the positive outcomes that have resulted, its introduction also coincided with high workforce mobility and a lack of seamless plan-to-plan savings portability, which has led to a surge in [small, stranded 401(k) savings accounts](https://www.benefitnews.com/opinion/why-small-retirement-accounts-are-the-root-of-many-problems). [Read More](https://blog.rch1.com/blog/the-next-area-to-tackle-for-preserving-retirement-savings-uncashed-distribution-checks) Jan 25 2022 ## [The ‘Great Resignation’ Screams for Improved Retirement-Savings Portability](https://blog.rch1.com/blog/the-great-resignation-screams-for-improved-retirement-savings-portability) [![ebnimage](https://blog.rch1.com/hs-fs/hubfs/ebnimage.jpg?width=200&name=ebnimage.jpg)](https://www.benefitnews.com/advisers/opinion/the-great-resignation-has-made-retirement-portability-vital)COVID-19 has altered so much in our nation, and our world, over the past two years. Many of us learned to stop and smell the roses during lockdowns, and count our blessings, especially health and family. For those who were fortunate enough to remain employed full-time during the pandemic and could work remotely, videoconferencing tools like Zoom and Microsoft Teams suddenly became indispensable for conferring with colleagues and customers. [Read More](https://blog.rch1.com/blog/the-great-resignation-screams-for-improved-retirement-savings-portability) Nov 24 2021 ## [Assessing the State of DC Plans & Retirement Savings, 15 Years After the Pension Protection Act](https://blog.rch1.com/blog/assessing-the-state-of-dc-plans-retirement-savings-15-years-after-the-pension-protection-act) [![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/advisers/opinion/15-years-of-401k-lessons-from-the-pension-protection-act)Traditionally, the anniversary gift for couples celebrating their 15th wedding anniversary is crystal. When the Pension Protection Act of 2006 was signed into law 15 years ago, a crystal ball would have been useful. Although this legislation was (commendably) crafted with the best of intentions, its unintended consequences for defined contribution plan participants and sponsors continue to reverberate.   [Read More](https://blog.rch1.com/blog/assessing-the-state-of-dc-plans-retirement-savings-15-years-after-the-pension-protection-act) Nov 18 2021 ## [Four Reasons Why Auto Portability Can't Wait](https://blog.rch1.com/blog/four-reasons-why-auto-portability-cant-wait) ![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)[Auto portability](https://rch1.com/auto-portability) can’t wait. There are four key reasons why the new plan feature that automatically moves small balance retirement savings forward as 401(k) participants change jobs can wait no longer. 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