--- title: RCH Consolidation Corner description: Keep up to date on all of the latest industry news with RCH1 --- [![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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[Plan Sponsor Support](https://rch1.com/plan-sponsors/rch-client-services) - [The Missing Participant Problem](https://rch1.com/plan-sponsors/addressing-the-problem-of-missing-participants) - [What is a Missing Participant?](https://rch1.com/plan-sponsors/addressing-the-problem-of-missing-participants/what-is-a-missing-participant) - [Why Plan Sponsors Should be Concerned](https://rch1.com/plan-sponsors/addressing-the-problem-of-missing-participants/why-plan-sponsors-should-be-concerned) - [What Causes Missing Participants?](https://rch1.com/plan-sponsors/addressing-the-problem-of-missing-participants/what-causes-missing-participants) - [The Magnitude of the Problem](https://rch1.com/plan-sponsors/addressing-the-problem-of-missing-participants/the-magnitude-of-the-missing-participant-problem) - [What Regulations Apply to Missing Participants?](https://rch1.com/plan-sponsors/addressing-the-problem-of-missing-participants/what-regulations-apply-to-missing-participants) - [Sources of Uncertainty for Plan Sponsors](https://rch1.com/plan-sponsors/addressing-the-problem-of-missing-participants/sources-of-uncertainty-for-plan-sponsors) - [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) - [Common Mistakes Sponsors Make](https://rch1.com/plan-sponsors/terminating-a-401k-plan/what-mistakes-do-plan-sponsors-make-when-terminating-401k-plans) - [What to Look for in a Service Provider](https://rch1.com/plan-sponsors/terminating-a-401k-plan/what-to-look-for-in-a-terminating-401k-service-provider) - [Get More Information](https://rch1.com/plan-sponsors/terminating-a-401k-plan/get-more-information-on-terminating-plans) - [RCH's Terminating Plan Service](https://rch1.com/plan-sponsors/terminating-a-401k-plan/plan-termination-services) - [Participant Testimonials](https://rch1.com/plan-sponsors/participant-testimonials) - [Due Diligence Material](https://rch1.com/plan-sponsors/due-diligence-material) - [Contact Us](https://rch1.com/plan-sponsors/contact-us) - [Accountholders](https://rch1.com/individuals) - [Individuals Home](https://rch1.com/individuals) - [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) - 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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 17 2026 ## [The Plan Advisor Case for Auto Portability](https://blog.rch1.com/blog/the-plan-advisor-case-for-auto-portability) ![The Plan Advisor Case for AP](https://blog.rch1.com/hs-fs/hubfs/The%20Plan%20Advisor%20Case%20for%20AP.png?width=200&height=133&name=The%20Plan%20Advisor%20Case%20for%20AP.png)A common misconception among plan advisors is that auto portability poses a threat to their business. In reality, [the opposite is true](https://rch1.com/blog/a-nobrainer-benefit-that-advisors-can-bring-to-plansponsor-clients). Auto portability strengthens advisors’ value by increasing plan assets and expanding opportunities for wealth management. That’s because plans that adopt auto portability steadily accumulate additional assets over time. As new employees join a plan, their small balances from prior employers also participating in auto portability are automatically rolled in, by default. This creates a consistent inflow of assets that would otherwise be lost. [Read More](https://blog.rch1.com/blog/the-plan-advisor-case-for-auto-portability) Sep 01 2026 ## [A Step Forward, But Will Standardized Forms Fix Retirement System Fragmentation?](https://blog.rch1.com/blog/a-step-forward-but-will-standardized-forms-fix-retirement-system-fragmentation) ![Fixing Retirement System Fragmentation](https://blog.rch1.com/hs-fs/hubfs/Fixing%20Retirement%20System%20Fragmentation.png?width=200&height=144&name=Fixing%20Retirement%20System%20Fragmentation.png)The Treasury Department and the IRS deserve significant credit for their efforts in issuing [IRS Notice 2026-49](https://www.irs.gov/pub/irs-drop/n-26-49.pdf). Their proposal attempts to address one of the retirement system's longest-standing operational weaknesses: the cumbersome, inconsistent, and often frustrating process of moving retirement savings when workers change jobs. By proposing standardized forms and a common rollover workflow, the agencies have acknowledged what participants, plan sponsors, and service providers have known for years: [plan-to-plan retirement transfers remain unnecessarily difficult](https://rch1.com/blog/diy-plan-to-plan-portability-is-harder-than-you-think). [Read More](https://blog.rch1.com/blog/a-step-forward-but-will-standardized-forms-fix-retirement-system-fragmentation) Aug 17 2026 ## [Plan Churn: The Hidden Threat to a Mobile Workforce’s Retirement Savings](https://blog.rch1.com/blog/plan-churn-the-hidden-threat-to-a-mobile-workforces-retirement-savings) ![Plan Churn](https://blog.rch1.com/hs-fs/hubfs/Plan%20Churn.jpg?width=200&height=133&name=Plan%20Churn.jpg)America’s mobile workforce just can’t seem to get a break from our defined contribution retirement system. Faced with numerous job changes over the course of a career, a fragmented retirement system that makes cashing out easy and moving retirement savings forward difficult, plan participants must also contend with another, largely overlooked problem: plan churn. [Read More](https://blog.rch1.com/blog/plan-churn-the-hidden-threat-to-a-mobile-workforces-retirement-savings) Aug 12 2026 ## [The Recordkeeper Case for Auto Portability](https://blog.rch1.com/blog/the-recordkeeper-case-for-auto-portability) ![The RKer Case for Auto Portability](https://blog.rch1.com/hs-fs/hubfs/The%20RKer%20Case%20for%20Auto%20Portability.png?width=200&height=113&name=The%20RKer%20Case%20for%20Auto%20Portability.png)[Auto portability](https://psn1.com/learning-center/about-auto-portability) represents a fundamental evolution in how defined contribution systems operate. Delivered via the recordkeeper-led [Portability Services Network (PSN)](https://psn1.com/)and powered by [Retirement Clearinghouse (RCH)](https://rch1.com/) technology, it transforms inefficient, standalone automatic rollover processes into a standardized, automated, digital ecosystem that preserves small-balance retirement savings within the plan recordkeeping framework. [Read More](https://blog.rch1.com/blog/the-recordkeeper-case-for-auto-portability) Jul 24 2026 ## [The Participant Case for Auto Portability](https://blog.rch1.com/blog/the-participant-case-for-auto-portability) ![The PPT Case for AP](https://blog.rch1.com/hs-fs/hubfs/The%20PPT%20Case%20for%20AP.png?width=200&height=133&name=The%20PPT%20Case%20for%20AP.png)Today’s workforce is more mobile than ever – but their retirement savings shouldn’t be left behind. Each time workers change jobs, they face an important decision: what to do with their retirement account. For many – especially those with smaller balances – this moment often leads to costly mistakes, including cashing out savings early, or winding up in a dead-end safe harbor IRA that charges excessive fees and is invested in low-yielding default investment funds. [Auto portability](https://psn1.com/learning-center/about-auto-portability) changes that. [Read More](https://blog.rch1.com/blog/the-participant-case-for-auto-portability) Jul 01 2026 ## [America250: How the Retirement Services Industry can Make Good on the Promise in the Declaration of Independence](https://blog.rch1.com/blog/america250-how-the-retirement-services-industry-can-make-good-on-the-promise-in-the-declaration-of-independence) ![Employee Benefit News](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage.jpg?width=200&name=ebnimage.jpg "Employee Benefit News")The America250 celebrations remind all of us how much we have to be thankful for, as Americans who value liberty and all that our previous generations have sacrificed to maintain our freedoms. When the Continental Congress ratified the Declaration of Independence 250 years ago on July 4, 1776, its members were creating a nation which was something unique in the annals of history – a republic by the people, for the people. Thomas Jefferson memorably wrote in the Declaration of Independence that these unalienable rights included “Life, Liberty and the pursuit of Happiness.” [Read More](https://blog.rch1.com/blog/america250-how-the-retirement-services-industry-can-make-good-on-the-promise-in-the-declaration-of-independence) Jun 15 2026 ## [Strengthening Missing Participant Policies: What’s New?](https://blog.rch1.com/blog/strengthening-missing-participant-policies-whats-new) ![Strengthening MP Policies](https://blog.rch1.com/hs-fs/hubfs/Strengthening%20MP%20Policies.png?width=200&height=133&name=Strengthening%20MP%20Policies.png)Defined contribution plan sponsors have long faced the persistent challenge of locating missing participants – individuals who have become disconnected from their retirement savings over time. [Read More](https://blog.rch1.com/blog/strengthening-missing-participant-policies-whats-new) Jun 05 2026 ## [The “Free Lunch” That is Retirement Savings Portability](https://blog.rch1.com/blog/the-free-lunch-that-is-retirement-savings-portability) ![free_lunch](https://blog.rch1.com/hs-fs/hubfs/free_lunch.png?width=200&height=113&name=free_lunch.png)**FACT:** Retirement savings portability helps everyone, hurts no one – and with no cost to plan sponsors to implement – it’s the equivalent of a “free lunch” for the retirement savings ecosystem. Need convincing? Consider the benefits of retirement savings portability to: [Read More](https://blog.rch1.com/blog/the-free-lunch-that-is-retirement-savings-portability) Jun 02 2026 ## [The Plan Sponsor Case for Auto Portability](https://blog.rch1.com/blog/the-plan-sponsor-case-for-auto-portability) ![Sponsors_Case_For_AP_Smaller](https://blog.rch1.com/hs-fs/hubfs/Sponsors_Case_For_AP_Smaller.png?width=200&height=133&name=Sponsors_Case_For_AP_Smaller.png)Are you a plan sponsor and want some good reasons why you should adopt auto portability? Here are seven: [Read More](https://blog.rch1.com/blog/the-plan-sponsor-case-for-auto-portability) May 18 2026 ## [Retirement Savings Portability – An Idea Whose Time Has (Finally) Come](https://blog.rch1.com/blog/retirement-savings-portability-an-idea-whose-time-has-finally-come) ![RSP Idea Whose Time Has Come](https://blog.rch1.com/hs-fs/hubfs/RSP%20Idea%20Whose%20Time%20Has%20Come.png?width=200&height=114&name=RSP%20Idea%20Whose%20Time%20Has%20Come.png)For decades, America’s retirement system has struggled with a fundamental mismatch: a system designed around stable, long-term employment serves a workforce defined by mobility and frequent job changes. 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