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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.


Oct
25
2016

Ushering in the Next Era of Automatic Enrollment

Next Era of Automatic EnrollmentWhen it comes to the 401(k) plan feature known as automatic enrollment, most industry observers seem to agree that it’s a good thing. In a world of scarce resources, you can never have too much of a good thing, right?

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Oct
19
2016

Why our retirement system is broken

Employee Benefit NewsIt’s ironic that, as we observe another “National Save for Retirement Week,” the retirement system we have in this country isn’t really a “system” at all.

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Sep
27
2016

Five Misconceptions About 401(k) Leakage

Five Misconceptions About 401(k) LeakageWhat is 401(k) leakage, and why should I care? This video presentation is designed to provide qualified retirement plan sponsors with an understanding of the facts and popular misconceptions surrounding the topic of 401(k) plan leakage.

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Sep
20
2016

Why helping employees review 401(k)s isn’t a mission impossible

Employee Benefit NewsHey, plan sponsors: Imagine for a moment that your active participants are Tom Cruise from Mission: Impossible (or Barbara Bain, Peter Graves and Martin Landau, for those of us who remember the classic TV series).

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Sep
07
2016

Why retirement portability should become employers’ next big focus

Employee Benefit NewsHave you ever received a letter with the notice “Time Sensitive Material! Open Immediately!” boldly splashed across the outside of the envelope, only to sigh with disappointment with what’s on the inside?  While the disappointment of false advertising so often seems to be the case with “junk mail,” the warning turns out to be true when we examine the behaviors of retirement plan participants who have recently changed jobs.

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Sep
02
2016

A Plan Sponsor’s Guide to Supporting Roll-ins

A Plan Sponsor’s Guide to Supporting Roll-insWhy should plans care about roll-in contributions? Establishing a program that encourages participant rollover contributions (or “roll-ins”) is one of the most beneficial programs that a plan can implement.

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Aug
15
2016

The ABCs of Roll-Ins

ABCs of Roll-Ins VideoWith the advent of the Department of Labor's Fiduciary Rule, more employers are looking to promote lifetime plan participation and encourage participants to consolidate retirement assets in their current, active 401(k) plan. The plan feature to enable consolidation in the active 401(k) plan is the roll-in contribution. Retirement Clearinghouse is the recognized thought leader in roll-in facilitation.  We have prepared this video - The ABCs of Roll-Ins -- as a resource for plan sponsors who are considering a formal roll-in program, as well as offering a roll-in facilitation service for their plan participants. 

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Aug
09
2016

Why Small Balance Cash Outs Are Falling Through the Cracks

Market Share by NumbersAccording to the recently released 2016 Willis Towers Watson U.S. Retirement Governance Survey, a major trend in retirement plan governance is the growing concern employers have for employees’ retirement benefit adequacy and financial well-being. To address this concern, sponsors indicated plans to increase monitoring of participant behaviors, using metrics such as plan participation and contribution rates, as well as carefully tracking the performance of their plans’ investment managers.

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Aug
02
2016

Brexit Reminds Retirement-Savers Why Account Consolidation is Important

MarketWatchIn his most recent article in MarketWatch, RCH’s Spencer Williams cites the recent market trauma experienced in the wake of the United Kingdom’s decision to exit the European Union (“Brexit”) as a good reason for retirement-savers to consolidate their accounts.

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Jul
28
2016

First Half of 2016: A Look-Back at the Headlines Driving a New “Auto” for 401(k) Plans

2016 Auto Portability ProgressIn the first half of 2016, not only has the retirement industry awakened to the problem of cashout leakage, but it’s begun to acknowledge its root cause: a lack of retirement savings portability. At the same time, Auto Portability has emerged as the only viable solution to cashout leakage, delivering portability for the small-balance (less than $5,000) job-changer, automatically moving their balances forward when they change jobs and enroll in a new plan.

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