--- title: RCH Consolidation Corner | Thomas Hawkins (3) 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. (3) --- [![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) - [Moving Your Retirement Savings Forward](https://rch1.com/individuals/moving-your-retirement-savings-forward) - 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[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) - 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[Consolidation Corner Channel](https://rch1.com/consolidation-corner-channel) - [Events](https://rch1.com/events) - [Auto Portability](https://rch1.com/auto-portability) ![Thomas Hawkins](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Headshots/RCH_Employees/TH_Portrait_Color_Large.png?width=200&name=TH_Portrait_Color_Large.png) # Thomas Hawkins 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. [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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[Participant Transition Management](https://blog.rch1.com/blog/topic/participant-transition-management) - [PLANSPONSOR](https://blog.rch1.com/blog/topic/plansponsor) - [Portability Services Network](https://blog.rch1.com/blog/topic/portability-services-network) - [PSCA](https://blog.rch1.com/blog/topic/psca) - [Public Policy](https://blog.rch1.com/blog/topic/public-policy) - [RCH Services](https://blog.rch1.com/blog/topic/rch-services) - [Retirement Income](https://blog.rch1.com/blog/topic/retirement-income) - [Retirement Plan Portability](https://blog.rch1.com/blog/topic/retirement-plan-portability) - [retirement research](https://blog.rch1.com/blog/topic/retirement-research) - [Retirement Savings Consolidation](https://blog.rch1.com/blog/topic/retirement-savings-consolidation) - [Retirement Savings Portability](https://blog.rch1.com/blog/topic/retirement-savings-portability) - [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. --- Jun 26 2025 ## [Why Preserving Small Balances Matters (and How Auto Portability Helps)](https://blog.rch1.com/blog/why-preserving-small-balances-matters-and-how-auto-portability-helps) ![Why Preserving Small Balances Matters](https://blog.rch1.com/hs-fs/hubfs/Why%20Preserving%20Small%20Balances%20Matters.jpg?width=200&height=113&name=Why%20Preserving%20Small%20Balances%20Matters.jpg)The preservation of small-balance 401(k) accounts – particularly those under $7,000 and subject to 401(k) plans’ [automatic rollover](https://rch1.com/automatic-rollovers) provisions – represents an important challenge for America’s retirement system. When job-changing workers cash out or abandon these accounts in [dead-end safe harbor IRAs](https://rch1.com/blog/rch-consolidation-corner-channel-ep-15--shining-light-on-safe-harbor-iras), they lose not just immediate savings, but can forego decades of compounded growth – reducing their odds of a comfortable or timely retirement. [Read More](https://blog.rch1.com/blog/why-preserving-small-balances-matters-and-how-auto-portability-helps) Jun 13 2025 ## [Come On In, The Water’s Fine](https://blog.rch1.com/blog/come-on-in-the-waters-fine) ![The Waters Fine](https://blog.rch1.com/hs-fs/hubfs/The%20Waters%20Fine.jpg?width=200&height=121&name=The%20Waters%20Fine.jpg)Sometimes it seems, the universe sends you a signal that you haven’t been wasting your time. For me, one such signal arrived in the form of a [June 2nd, 2025 opinion piece](https://www.plansponsor.com/how-plan-sponsors-could-unknowingly-violate-erisa/) by PensionBee executive Helene O’Brien, as well as [industry reporting](https://401kspecialistmag.com/left-behind-401ks-could-cost-americans-tens-of-thousands/) on comments from CEO Romi Savova, both drawing attention to the participant-unfriendly nature of some safe harbor IRAs, which house the forced-out retirement savings of separated participants with balances less than $7,000. [Read More](https://blog.rch1.com/blog/come-on-in-the-waters-fine) Apr 30 2025 ## [Beyond Missing: Targeting Unresponsive Participants in Retirement Plans](https://blog.rch1.com/blog/beyond-missing-targeting-unresponsive-participants-in-retirement-plans) ![Beyond Missing Feature Image](https://blog.rch1.com/hs-fs/hubfs/Beyond%20Missing%20Feature%20Image.png?width=200&height=145&name=Beyond%20Missing%20Feature%20Image.png)In the retirement plan industry, we frequently discuss the challenges posed by [missing participants](https://rch1.com/missing-participants) – those former employees with outdated contact information. However, a related phenomenon often receives less attention: unresponsive participants. [Read More](https://blog.rch1.com/blog/beyond-missing-targeting-unresponsive-participants-in-retirement-plans) Mar 31 2025 ## [Three Steps to Getting Off the Uncashed Distribution Check Treadmill](https://blog.rch1.com/blog/three-steps-to-getting-off-the-uncashed-distribution-check-treadmill) ![The Uncashed Check Treadmill](https://blog.rch1.com/hs-fs/hubfs/The%20Uncashed%20Check%20Treadmill.jpg?width=200&height=150&name=The%20Uncashed%20Check%20Treadmill.jpg)If you’re a defined contribution plan sponsor struggling with [uncashed distribution checks](https://rch1.com/uncashed-distribution-checks), it can feel you’re on a never-ending treadmill. [Read More](https://blog.rch1.com/blog/three-steps-to-getting-off-the-uncashed-distribution-check-treadmill) Mar 03 2025 ## [Here’s to the Future “Graduates” of Auto Portability](https://blog.rch1.com/blog/heres-to-the-future-graduates-of-auto-portability) ![AP Graduatesv2](https://blog.rch1.com/hs-fs/hubfs/AP%20Graduatesv2.jpg?width=200&height=144&name=AP%20Graduatesv2.jpg)[Auto portability](https://psn1.com/learning-center/about-auto-portability), delivered via the [Portability Services Network (PSN)](https://psn1.com/), is revolutionizing retirement savings preservation by addressing the critical challenges of cashout leakage and account fragmentation.   [Read More](https://blog.rch1.com/blog/heres-to-the-future-graduates-of-auto-portability) Feb 10 2025 ## [The Saver's Match and Auto Portability: A Powerful Combination](https://blog.rch1.com/blog/the-savers-match-and-auto-portability-a-powerful-combination) ![SM and AP Featured Image](https://blog.rch1.com/hs-fs/hubfs/SM%20and%20AP%20Featured%20Image.png?width=200&height=134&name=SM%20and%20AP%20Featured%20Image.png)As America’s retirement savings landscape evolves, two groundbreaking initiatives could be poised to converge, potentially revolutionizing the way Americans save for retirement. ​​The [Saver's Match program](https://rch1.com/savers-match), set to debut with the 2027 tax year, and [auto portability](https://psn1.com/learning-center/about-auto-portability), powered by the [Portability Services Network (PSN)](https://psn1.com/), present a unique opportunity to address long-standing challenges in the retirement system. By leveraging the strengths of both programs, we can create a more robust and efficient retirement savings ecosystem that benefits millions of American workers. [Read More](https://blog.rch1.com/blog/the-savers-match-and-auto-portability-a-powerful-combination) Jan 30 2025 ## [The Accelerating Adoption of Auto Portability: A Market Adoption Theory Perspective](https://blog.rch1.com/blog/the-accelerating-adoption-of-auto-portability-a-market-adoption-theory-perspective) ![Accelerating Adoption Banner](https://blog.rch1.com/hs-fs/hubfs/Accelerating%20Adoption%20Banner.jpg?width=200&height=140&name=Accelerating%20Adoption%20Banner.jpg)In the world of retirement savings, [auto portability](https://psn1.com/learning-center/about-auto-portability) has emerged as a transformative solution designed to address the [persistent problem of cashout leakage](https://rch1.com/blog/the-new-urgency-for-mitigating-401k-account-cashouts) – when employees cash out their retirement savings upon changing jobs, rather than moving their savings forward into their new employer-sponsored plan. [Read More](https://blog.rch1.com/blog/the-accelerating-adoption-of-auto-portability-a-market-adoption-theory-perspective) Jan 06 2025 ## [The Compelling Case for Women and Auto Portability](https://blog.rch1.com/blog/the-compelling-case-for-women-and-auto-portability) ![The Compelling Case for Women and AP Text Only](https://blog.rch1.com/hs-fs/hubfs/The%20Compelling%20Case%20for%20Women%20and%20AP%20Text%20Only.png?width=200&height=136&name=The%20Compelling%20Case%20for%20Women%20and%20AP%20Text%20Only.png)[Auto portability](https://psn1.com/learning-center/about-auto-portability) will deliver broad-based benefits to America’s workforce, but research has shown that the new feature disproportionately benefits under-saved and underserved demographic segments, including minorities, women, lower-income and younger workers. [Read More](https://blog.rch1.com/blog/the-compelling-case-for-women-and-auto-portability) Nov 11 2024 ## [Dressing Up Traditional Automatic Rollovers](https://blog.rch1.com/blog/dressing-up-traditional-automatic-rollovers) ![WC\_ARO\_Landfill](https://blog.rch1.com/hs-fs/hubfs/WC_ARO_Landfill.png?width=200&height=127&name=WC_ARO_Landfill.png)Recently, we’ve read – mainly via paid promotions – about the existence of so-called “world-class” automatic rollover IRA services, which seem to be little more than [old-school, traditional automatic rollover IRAs](https://rch1.com/blog/the-truth-about-oldschool-automatic-rollovers) laying claim to unspecified, premium features. [Read More](https://blog.rch1.com/blog/dressing-up-traditional-automatic-rollovers) Oct 16 2024 ## [Leakage & Shrinkage: Two Brothers from the Same Mother](https://blog.rch1.com/blog/leakage-shrinkage-two-brothers-from-the-same-mother) ![Leakage and Shrinkage-1](https://blog.rch1.com/hs-fs/hubfs/Leakage%20and%20Shrinkage-1.png?width=200&height=117&name=Leakage%20and%20Shrinkage-1.png)With the release of Vanguard’s September 2024 study ([Job transitions slow retirement savings](https://digital-assets.vanguard.com/corp/research/pdf/job_transitions_slow_retirement_savings.pdf)), we can consider adding a new term – shrinkage – to the lexicon of retirement savings ills associated with America’s mobile workforce, taking its spot alongside its sibling, [cashout leakage](https://rch1.com/401k-cashout-leakage). [Read More](https://blog.rch1.com/blog/leakage-shrinkage-two-brothers-from-the-same-mother) Page: [‹](https://blog.rch1.com/blog/author/thomas-hawkins/page/2) [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/4) [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) - 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