--- title: RCH Consolidation Corner | Safe Harbor IRA (2) description: Safe Harbor IRA | 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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[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) Posts about # Safe Harbor IRA (2) ### 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. --- Jun 17 2024 ## [Safe-Harbor IRAs Don’t Offer a Long-Term Saving Solution for Plan Participants](https://blog.rch1.com/blog/safe-harbor-iras-dont-offer-a-long-term-saving-solution-for-plan-participants) ![ebnimage\_crop](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage_crop.png?width=200&height=93&name=ebnimage_crop.png)During the past several years, much progress has been made to simplify the process of enabling defined contribution plan participants to transfer their savings from one plan to another when they [change jobs](https://www.benefitnews.com/advisers/opinion/job-hopping-a-challenge-to-portable-401k-retirement-benefits). These strides have been made thanks to an ongoing partnership between the private and public sectors, and between [Democrats and Republicans](https://www.benefitnews.com/opinion/auto-portability-is-and-always-will-be-a-bipartisan-solution) in Congress. In [November 2023](https://psn1.com/news/press-release-portability-services-network-launches-nations-first-solution-to-move-workers-retirement-savings-when-changing-jobs?__hstc=256942484.9bebe02c4f3c435c2e863d95ee3ee1b4.1717078500315.1718369171445.1718661567324.36&__hssc=256942484.9.1718661567324&__hsfp=742543691), we saw the launch of the Portability Services Network, with our nation’s leading retirement plan record-keepers—Alight Solutions, Empower, Fidelity Investments, Principal, TIAA, and Vanguard—on board as founding members. The Portability Services Network makes the digital [auto portability](https://www.benefitnews.com/advisers/opinion/auto-portability-helps-everybody-and-hurts-nobody) solution a reality for helping Americans keep their retirement savings invested in the system and working for them. [Read More](https://blog.rch1.com/blog/safe-harbor-iras-dont-offer-a-long-term-saving-solution-for-plan-participants) Aug 11 2023 ## [The Future is Brighter for Small-Balance Retirement Accounts](https://blog.rch1.com/blog/the-future-is-brighter-for-small-balance-retirement-accounts) ![](https://rch1.com/storage/wysiwyg/the_future_is_brighter.png)While small-balance retirement savings accounts have fared poorly in the past, their future has never looked brighter. Real progress is being made in reducing their numbers while simultaneously preserving and consolidating their savings, vs. previous “solutions” that encouraged them to cash out or exiled them to dead-end safe harbor IRAs. [Read More](https://blog.rch1.com/blog/the-future-is-brighter-for-small-balance-retirement-accounts) Jun 16 2023 ## [The 401(k) “House-Cleaning” to Come](https://blog.rch1.com/blog/the-401k-house-cleaning-to-come) ![The 401k House-Cleaning to Come](https://blog.rch1.com/hs-fs/hubfs/The%20401k%20House-Cleaning%20to%20Come.png?width=200&height=126&name=The%20401k%20House-Cleaning%20to%20Come.png)The increase in the [automatic rollover](https://rch1.com/automatic-rollover) threshold from $5,000 to $7,000, as provided for in [section 304](https://www.congress.gov/117/bills/hr2617/BILLS-117hr2617enr.pdf#page=883) of the SECURE 2.0 legislation, will become effective for mandatory distributions made after December 31, 2023. What will be the impact of these provisions, if fully embraced by plan sponsors? One thing is certain – on both a one-time and ongoing basis, far more terminated participants will be subject to the automatic rollover provisions of their former-employers’ plans. [Read More](https://blog.rch1.com/blog/the-401k-house-cleaning-to-come) Jun 15 2022 ## [Five Reasons Why New 401(k) Auto Portability Legislation is So Important](https://blog.rch1.com/blog/five-reasons-why-new-401k-auto-portability-legislation-is-so-important) ![Capitol\_Hill\_HD\_sign\_at\_500\_Independence\_Ave\_SE\_-\_Washington\_DC](https://blog.rch1.com/hs-fs/hubfs/social-suggested-images/Capitol_Hill_HD_sign_at_500_Independence_Ave_SE_-_Washington_DC.jpg?width=200&name=Capitol_Hill_HD_sign_at_500_Independence_Ave_SE_-_Washington_DC.jpg)A newly proposed bill -- the [Advancing Auto Portability Act of 2022](https://www.scott.senate.gov/imo/media/doc/Advancing%20Auto%20Portability%20Act%20of%202022.pdf), co-sponsored by Senators Tim Scott (R-S.C.) and Sherrod Brown (D-Ohio), will offer tax credits to plan sponsors who implement auto portability, and codify rules for an industrywide auto portability network. The bill is expected to be rolled into the Senate version of the bipartisan Securing a Strong Retirement Act of 2022, which passed the U.S. House of Representatives on March 29 of this year. Here are five reasons why the new auto portability legislation introduced in the Senate is so important. [Read More](https://blog.rch1.com/blog/five-reasons-why-new-401k-auto-portability-legislation-is-so-important) Jan 02 2020 ## [Auto Portability 2019: The Year in Review](https://blog.rch1.com/blog/auto-portability-2019-the-year-in-review) ![ap2019review](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/ap2019review.png?width=200&name=ap2019review.png)At [Retirement Clearinghouse (RCH)](https://rch1.com), we’re excited about the 2020 prospects for [auto portability](https://rch1.com/auto-portability/media-coverage).  Before we’re too far into a new decade, we wanted to pause, take a breath and share with you some highlights from 2019, a year that’s positioned the newest automatic, default plan feature for widespread adoption.   [Read More](https://blog.rch1.com/blog/auto-portability-2019-the-year-in-review) Oct 21 2019 ## [Safe-Harbor IRAs are Supposed to be Temporary](https://blog.rch1.com/blog/safe-harbor-iras-are-supposed-to-be-temporary) [![Employee Benefit News Logo](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage.jpg?width=200&name=ebnimage.jpg)](https://www.benefitnews.com/opinion/safe-harbor-iras-should-not-be-a-long-term-retirement-solution)Fifteen years ago, when safe-harbor IRAs were first proposed as a destination for small, stranded 401(k) accounts that can be automatically rolled out of plans, then-U.S. Assistant Secretary of Labor Ann L. Combs spelled out what these investment vehicles were supposed to accomplish. [Read More](https://blog.rch1.com/blog/safe-harbor-iras-are-supposed-to-be-temporary) 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) 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) May 31 2018 ## [401(k) Consolidation: What Every Plan Sponsor Should Know](https://blog.rch1.com/blog/when-small-accounts-are-a-big-problem-what-every-plan-sponsor-should-know) Plan sponsors intuitively know that an [explosion of small-balance 401(k) accounts](https://blog.rch1.com/blog/the-massive-explosion-of-small-401k-accounts) held by terminated participants can create problems.  Unfortunately, few sponsors are clear on the factors that give rise to small accounts, and fewer still understand how they can utilize consolidation programs to solve the problem. [Read More](https://blog.rch1.com/blog/when-small-accounts-are-a-big-problem-what-every-plan-sponsor-should-know) Nov 15 2017 ## [The Results Are In: Auto Portability is a Winner!](https://blog.rch1.com/blog/the-results-are-in-auto-portability-is-a-winner) ![And the winner is Auto Portability](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/And%20the%20winner%20is%20AP.jpg?width=200&name=And%20the%20winner%20is%20AP.jpg "And the winner is Auto Portability")On November 7th, Retirement Clearinghouse (RCH) issued a [press release](https://www.rch1.com/news-and-announcements/press-releases/initial-launch-results-validate-that-auto-portability-preserves-retirement-savings) announcing the results of the first-ever implementation of auto portability, as evaluated by Boston Research Technologies (BRT)’s Warren Cormier in his just-published white paper “[Making the Right Choice the Easiest Choice: Eliminating Friction and Leaks in America’s Defined Contribution System](https://info.rch1.com/brt-auto-portability-white-paper).” [Read More](https://blog.rch1.com/blog/the-results-are-in-auto-portability-is-a-winner) Page: [‹](https://blog.rch1.com/blog) [1](https://blog.rch1.com/blog) [2](https://blog.rch1.com/blog/topic/safe-harbor-ira/page/2) [3](https://blog.rch1.com/blog/topic/safe-harbor-ira/page/3) [4](https://blog.rch1.com/blog/topic/safe-harbor-ira/page/4) [›](https://blog.rch1.com/blog/topic/safe-harbor-ira/page/3) [Tweets by @RCHConsolidate](https://twitter.com/RCHConsolidate) - 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[What is a Missing Participant?](https://blog.rch1.com/blog/topic/what-is-a-missing-participant) [![Retirement Clearinghouse An RLJ Company](https://blog.rch1.com/hs-fs/hubfs/raw_assets/public/Retirement_Clearinghouse_May2022/images/footer_logo.png?width=1000&height=648&name=footer_logo.png "Retirement Clearinghouse An RLJ Company")](https://rch1.com/) 1916 Ayrsley Town Boulevard Suite 200 Charlotte, NC 28273 - [Individuals](https://rch1.com/individuals) - [Plan Sponsors](https://rch1.com/plan-sponsors) - [Auto Portability](https://rch1.com/auto-portability) - [Company](https://rch1.com/company) - [News & Information](https://rch1.com/news) - [Mission](https://rch1.com/company/mission) - [Careers](https://rch1.com/company/careers) - [Contact Us](https://rch1.com/contact-us) - [Logins](https://rch1.com/#) - [Disclosure Central](https://rch1.com/individuals/learning-center/resources-%26-downloads) - [Do Not Sell or Share](https://blog.rch1.com/blog/topic/safe-harbor-ira/page/2#decline-cookies) - 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