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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.


Neal Ringquist

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Neal Ringquist is Retirement Clearinghouse's Executive Vice President, Chief Sales Officer and is a member of RCH's Executive Leadership Team. Ringquist is responsible for the company's overall marketing strategy and for all institutional sales activities.
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Recent Posts

Dec
01
2020

Three New Year's Resolutions for Plan Sponsors to Consider

2021_ResolutionsIn January, Alight Solutions released 2020 Hot Topics in Retirement & Financial Wellbeing, a survey of 130 plan sponsors employing 5.5 million workers and highlighting key trends among plan sponsors, including expanding financial wellbeing programs, increasing efforts to help participants bridge the gap between working and retiring, and strengthening programs to locate missing participants.

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Nov
05
2020

Broadcast Retirement Network Features Segment on ‘Small Account Problem’

BRN AM SplashOn Wednesday, 11/4/20 the Broadcast Retirement Network’s Jeff Snyder interviewed Retirement Clearinghouse (RCH) President & CEO Spencer Williams and Alight Solutions’ Vice President & Head of Research Rob Austin to address the 401(k) system’s small account problem – where high levels of cashout leakage in small balance segments perennially robs millions of participants of a timely or comfortable retirement.

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Jul
14
2020
Feb
25
2020

New Research Confirms Clear Shift Towards Plan-to-Plan Portability

Shift New Research Confirms Clear Shift Towards Plan-to-Plan PortabilityIncreasingly, 401(k) plans have become more-and-more “institutionalized” – reflected by an increased level of sophistication in investment options, coupled with a downward trend in fees. 

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Jan
02
2020

Auto Portability 2019: The Year in Review

ap2019reviewAt Retirement Clearinghouse (RCH), we’re excited about the 2020 prospects for auto portability.  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.
 

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Oct
28
2019

The Playbook for Conducting Diligent Missing Participant Searches

The PlaybookSponsors of active retirement plans are increasingly challenged by the problem of missing participants, and the difficulties they face in performing diligent searches.  After all, ensuring that plan participants (or their beneficiaries) receive the benefits they’re owed is a sponsor’s primary fiduciary responsibility.

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May
10
2018

Missing Participants: An Ounce of Prevention Equals a Pound of Cure

Ben_FranklinWhen Ben Franklin coined the adage “an ounce of prevention is worth a pound of cure” he wasn’t considering the problem of missing participants, but 401(k) plan sponsors would be wise to heed Ben’s sage advice.  

Today, plan sponsors face an explosion of missing participants, driven by the ongoing adoption of auto enrollment and increasing workforce mobility.  Their problems are further compounded by the administrative burden required to locate them, combined with a regulatory minefield that offers little guidance and is prone to taking inconsistent enforcement actions.  

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Mar
13
2018

New Insights into the Problem of Missing Participants

New Insights into the Problem of Missing ParticipantsToday, Boston Research Technologies (BRT) and Retirement Clearinghouse (RCH) issued a joint press release announcing the key findings from a survey examining the retirement industry’s missing participant problem.  The survey, The Mobile Workforce’s Missing Participant Problem, is the first to examine the problem from the perspective of the participant and offers unique insights into its various dimensions.

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Jan
11
2018

Two Retirement Public Policy Initiatives Moving Forward in 2018

public policy retirement initiatives 2018In late 2017, retirement industry observers breathed a collective sigh of relief when “Rothification” of 401(k) plans, once considered as a part of new tax legislation, was abandoned.  With Rothification in the rear-view mirror, policymakers have begun turning their attention to other, more-promising initiatives.

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Oct
02
2017

Why Consolidation Should Top the List of Initiatives for Plan Sponsors in 2018

Consolidation should top list of initiatives for Plan Sponsors 2018Today, it’s commonly-accepted practice for retirement plan sponsors to focus on three major initiatives to promote retirement adequacy: participation, saving and diversification.

While these three initiatives are proven, an emerging best practice is for plan sponsors to expand this list, incorporating consolidation, where plan participants are encouraged to consolidate balances from former employers’ plans, using their current-employer’s plan to manage their retirement savings.

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