--- title: RCH Consolidation Corner | Thomas Hawkins description: As Retirement Clearinghouse's Senior Vice President & Chief Marketing Officer, Tom Hawkins oversees RCH's marketing and research initiatives, including development of original content, RCH's internet presence, digital marketing and industry research, and is a Certified Blockchain Expert. --- [![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) - 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[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) - 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[Follow me on my website](https://rch1.com/management-team/tom-hawkins) [Follow me on LinkedIn](https://www.linkedin.com/in/tphawkins) [Follow me on Twitter](https://twitter.com/ThomasPHawkins) ## Menu - [News](https://rch1.com/news) - [Press Releases](https://rch1.com/press-releases) - [Thought Leadership](https://rch1.com/thought-leadership) [Retirement Clearinghouse](https://rch1.com/retirement-clearinghouse) [Retirement Industry](https://rch1.com/retirement-industry) [Public Policy](https://rch1.com/public-policy-thought) - [Events](https://rch1.com/events) - - - - [Blog](https://blog.rch1.com/blog) - [401k Cash Outs](https://blog.rch1.com/blog/topic/401k-cash-outs) - [401k Consolidation](https://blog.rch1.com/blog/topic/401k-consolidation) - [401k Plan Termination](https://blog.rch1.com/blog/topic/401k-plan-termination) - [America's Mobile Workforce](https://blog.rch1.com/blog/topic/americas-mobile-workforce) - [Assisted Roll-in](https://blog.rch1.com/blog/topic/assisted-roll-in) - 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[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. --- Oct 12 2026 ## [PBGC Report Points to a Retirement System Solution that Already Exists](https://blog.rch1.com/blog/pbgc-report-points-to-a-retirement-system-solution-that-already-exists) ![PBGC Report Points to Private Sector - Inline](https://blog.rch1.com/hs-fs/hubfs/PBGC%20Report%20Points%20to%20Private%20Sector%20-%20Inline.png?width=200&height=153&name=PBGC%20Report%20Points%20to%20Private%20Sector%20-%20Inline.png)The Pension Benefit Guaranty Corporation’s September 2026 report, [Feasibility of Expanding PBGC’s Missing Participants Program](https://www.pbgc.gov/sites/default/files/documents/report-feasibility-expanding-missing-participants-program.pdf), deserves considerable praise for both the rigor of its analysis and the clarity of its conclusions. [Read More](https://blog.rch1.com/blog/pbgc-report-points-to-a-retirement-system-solution-that-already-exists) 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) 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) 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. The result is a fragmented, “leaky” system – one that allows trillions of dollars in retirement savings to slip away through cashouts, inefficiencies, and left-behind accounts.  [Read More](https://blog.rch1.com/blog/retirement-savings-portability-an-idea-whose-time-has-finally-come) Apr 22 2026 ## [Larger 401(k) Plans Embrace Auto Portability as Due Diligence Drives Confidence](https://blog.rch1.com/blog/larger-401k-plans-embrace-auto-portability-as-due-diligence-drives-confidence) ![Larger 401k Plans Embrace AP](https://blog.rch1.com/hs-fs/hubfs/Larger%20401k%20Plans%20Embrace%20AP.png?width=200&height=133&name=Larger%20401k%20Plans%20Embrace%20AP.png)Since late 2023, when [auto portability](https://psn1.com/learning-center/about-auto-portability) – as delivered via the [Portability Services Network (PSN)](https://psn1.com/) – became operational, the new plan feature has been steadily working its way from an innovative concept into a core best practice for addressing the chronic problem of [retirement plan cashout leakage](https://rch1.com/blog/topic/cashout-leakage). [Read More](https://blog.rch1.com/blog/larger-401k-plans-embrace-auto-portability-as-due-diligence-drives-confidence) Apr 17 2026 ## [On Earth Day, Consider Auto Portability to ‘Recycle’ 401(k) Savings](https://blog.rch1.com/blog/on-earth-day-consider-auto-portability-to-recycle-401k-savings) ![Earth Day Recycling 2025](https://blog.rch1.com/hs-fs/hubfs/Earth%20Day%20Recycling%202025.jpg?width=200&height=136&name=Earth%20Day%20Recycling%202025.jpg)April 22 marks the [56th Earth Day](https://www.earthday.org/earth-day-2026), a time to reflect on our relationship with the environment and the progress made in reducing waste through recycling. While society has made strides in curbing physical waste, a similar problem persists in the U.S. retirement system: the inefficient handling of 401(k) accounts when employees change jobs. [Read More](https://blog.rch1.com/blog/on-earth-day-consider-auto-portability-to-recycle-401k-savings) Apr 13 2026 ## [Modeling the Future of the Saver's Match Program](https://blog.rch1.com/blog/modeling-the-future-of-the-savers-match-program) ![modeling\_the\_future\_of\_the\_savers\_match\_program](https://blog.rch1.com/hs-fs/hubfs/modeling_the_future_of_the_savers_match_program.png?width=200&height=133&name=modeling_the_future_of_the_savers_match_program.png)As the [Saver’s Match Program](https://rch1.com/savers-match) must soon transition from legislative concept to operational reality, one question looms larger than any other: ​​*How will the Program operate at scale, in the real world, across tens of millions of people annually, thousands of institutions, and billions of federal dollars?* [Read More](https://blog.rch1.com/blog/modeling-the-future-of-the-savers-match-program) Apr 03 2026 ## [Financial Literacy and the Power of Preservation](https://blog.rch1.com/blog/financial-literacy-and-the-power-of-preservation) ![Financial Literacy and the Power of Preservation](https://blog.rch1.com/hs-fs/hubfs/Financial%20Literacy%20and%20the%20Power%20of%20Preservation.png?width=200&height=133&name=Financial%20Literacy%20and%20the%20Power%20of%20Preservation.png)On March 31, 2026 I had the opportunity to attend the [SPARK Champions for Financial Literacy](https://www.sparkinstitute.org/voices-leading-the-conversation-financial-literacy-month-kickoff-luncheon/) event in Washington, DC, kicking off [Financial Literacy Month](https://home.treasury.gov/news/press-releases/sb0429), which takes place in April. [Read More](https://blog.rch1.com/blog/financial-literacy-and-the-power-of-preservation) Page: ‹ [1](https://blog.rch1.com/blog) [2](https://blog.rch1.com/blog/author/thomas-hawkins/page/2) [3](https://blog.rch1.com/blog/author/thomas-hawkins/page/3) [4](https://blog.rch1.com/blog/author/thomas-hawkins/page/4) [5](https://blog.rch1.com/blog/author/thomas-hawkins/page/5) [›](https://blog.rch1.com/blog/author/thomas-hawkins/page/2) [Tweets by @RCHConsolidate](https://twitter.com/RCHConsolidate) - [Blog](https://blog.rch1.com/blog) - [401k Cash Outs](https://blog.rch1.com/blog/topic/401k-cash-outs) - [401k Consolidation](https://blog.rch1.com/blog/topic/401k-consolidation) - [401k Plan Termination](https://blog.rch1.com/blog/topic/401k-plan-termination) - [America's Mobile Workforce](https://blog.rch1.com/blog/topic/americas-mobile-workforce) - [Assisted Roll-in](https://blog.rch1.com/blog/topic/assisted-roll-in) - [Auto Enrollment](https://blog.rch1.com/blog/topic/auto-enrollment) - [Auto Portability](https://blog.rch1.com/blog/topic/auto-portability) - 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