--- title: RCH Consolidation Corner | Thomas Hawkins (4) 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. (4) --- [![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. --- 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) Sep 11 2024 ## [Measuring the Value of Intensive Missing Participant Searches](https://blog.rch1.com/blog/measuring-the-value-of-intensive-missing-participant-searches) ![Inline Graphic - Measuring the Value](https://blog.rch1.com/hs-fs/hubfs/Inline%20Graphic%20-%20Measuring%20the%20Value.png?width=200&height=111&name=Inline%20Graphic%20-%20Measuring%20the%20Value.png)When it comes to [locating missing plan participants](https://blog.rch1.com/blog/the-fundamentals-of-locating-missing-participants), electronic searches or “[e-searches](https://rch1.com/blog/new-research-on-locating-missing-participants-augments-dol-guidance)” are an indispensable tool. While it’s been [proven](https://info.rch1.com/missing-participant-esearch-study) that e-searches can be highly effective, inevitably situations will arise where plan sponsors must do something more, and that typically involves performing a more intensive search, where [additional search resources are applied](https://rch1.com/blog/dialing-up-the-intensity-of-missing-participant-searches) to improve the quality of the search, over and above what an e-Search can deliver. [Read More](https://blog.rch1.com/blog/measuring-the-value-of-intensive-missing-participant-searches) Sep 05 2024 ## [Four Compelling Reasons for Plan Sponsors to Adopt Auto Portability](https://blog.rch1.com/blog/four-compelling-reasons-for-plan-sponsors-to-adopt-auto-portability) ![Four Countdown](https://blog.rch1.com/hs-fs/hubfs/Four%20Countdown.png?width=200&height=113&name=Four%20Countdown.png)In July, an article noted that the adoption of [auto portability](https://psn1.com/learning-center/about-auto-portability?__hstc=256942484.26549b4ce74d509172ce2c3087e096cf.1713203572133.1725555202160.1725557605320.124&__hssc=256942484.7.1725557605320&__hsfp=2901579814) was [picking up steam](https://rch1.com/blog/auto-portability-adoption-picks-up-steam) with thousands of plan sponsors already signing up for the service, delivered by the [Portability Service Network (PSN)](https://psn1.com/?__hstc=256942484.26549b4ce74d509172ce2c3087e096cf.1713203572133.1725555202160.1725557605320.124&__hssc=256942484.7.1725557605320&__hsfp=2901579814). As I write this around six weeks later, that figure continues to rise at a brisk pace. As PSN operations have commenced, and as the automated plan-to-plan consolidation of small balances begins, a familiar industry adoption pattern is emerging – where innovators within the plan sponsor community lead the charge and are quickly followed by others. For plan sponsors who are still considering adopting auto portability, here are four compelling reasons why you should move now to embrace the new plan feature. [Read More](https://blog.rch1.com/blog/four-compelling-reasons-for-plan-sponsors-to-adopt-auto-portability) Aug 26 2024 ## [Two Saver’s Match Resources Now Available](https://blog.rch1.com/blog/two-savers-match-resources-now-available) ![Savers\_Match-1](https://blog.rch1.com/hs-fs/hubfs/Savers_Match-1.png?width=200&height=171&name=Savers_Match-1.png)[Retirement Clearinghouse (RCH)](https://rch1.com/) has launched two new Saver’s Match resources, which offer plan sponsors, plan providers and participants with consolidated information about the Saver’s Match program, as well as a new saver-focused tool – the Saver’s Match Estimator – which will calculate an estimated matching contribution under the program. [Read More](https://blog.rch1.com/blog/two-savers-match-resources-now-available) Jul 02 2024 ## [The Risky Business of Cashing Out Plan Balances Below $1,000](https://blog.rch1.com/blog/the-risky-business-of-cashing-out-plan-balances-below-1000) ![Risky Business](https://blog.rch1.com/hs-fs/hubfs/Risky%20Business.png?width=200&height=128&name=Risky%20Business.png)According to industry data, each year around 2.5 million 401(k) participants with balances less than $1,000 will change jobs, falling under the threshold where plan sponsors can automatically cash out their balances. [Read More](https://blog.rch1.com/blog/the-risky-business-of-cashing-out-plan-balances-below-1000) Jun 21 2024 ## [Taking Stock of the Saver’s Match: The Promise and The Challenges](https://blog.rch1.com/blog/taking-stock-of-the-savers-match-the-promise-and-the-challenges) ![Taking Stock of the SM](https://blog.rch1.com/hs-fs/hubfs/Taking%20Stock%20of%20the%20SM.png?width=200&height=173&name=Taking%20Stock%20of%20the%20SM.png)When provisions of SECURE 2.0 were signed into law in December 2022, the clock started ticking on one of its most consequential retirement savings public policy initiatives – the Saver’s Match. [Read More](https://blog.rch1.com/blog/taking-stock-of-the-savers-match-the-promise-and-the-challenges) Jun 07 2024 ## [The Truth About Old-School Automatic Rollovers](https://blog.rch1.com/blog/the-truth-about-old-school-automatic-rollovers) ![Old School Automatic Rollovers](https://blog.rch1.com/hs-fs/hubfs/Old%20School%20Automatic%20Rollovers.png?width=200&height=113&name=Old%20School%20Automatic%20Rollovers.png)Protecting benefits owed to a company’s current and former employees is the cornerstone of an employer’s fiduciary duty under ERISA, which celebrates its 50th anniversary this year. So, it troubles me when I read about strategies for plan optimization that advocate for continued reliance upon “old-school” automatic rollovers. While I am all-in for plan optimization, old-school automatic rollovers put employee benefits at risk by generating massive amounts of cashout leakage, stranding millions of participants’ balances in safe harbor IRAs that charge excessive fees and earn paltry returns, while disproportionately impacting minorities, women, low-income and younger workers. [Read More](https://blog.rch1.com/blog/the-truth-about-old-school-automatic-rollovers) May 08 2024 ## [Harness the Power of Retirement Savings Consolidation](https://blog.rch1.com/blog/americas-mobile-workforce-meets-their-savers-match-0) ![HarnessThePowerRCH](https://blog.rch1.com/hs-fs/hubfs/HarnessThePowerRCH.png?width=200&height=220&name=HarnessThePowerRCH.png)Consolidation is a powerful force in our world. Many of the world’s largest corporations are products of consolidation, and there are countless examples of the power of consolidation in our personal lives. [Read More](https://blog.rch1.com/blog/americas-mobile-workforce-meets-their-savers-match-0) Apr 09 2024 ## [America’s Mobile Workforce Meets Their Saver’s Match](https://blog.rch1.com/blog/americas-mobile-workforce-meets-their-savers-match) ![Savers\_Match](https://blog.rch1.com/hs-fs/hubfs/Savers_Match.png?width=200&height=171&name=Savers_Match.png)[A new survey of American workers](https://info.rch1.com/savers-match-survey-analysis) who would be eligible to receive a Saver’s Match federal matching contribution confirms the significant public policy benefits that the program could have in leveling the playing field for lower income savers – particularly for Black and Hispanic workers – while also finding that high levels of worker mobility could pose challenges in administering millions of annual matching contribution payments. [Read More](https://blog.rch1.com/blog/americas-mobile-workforce-meets-their-savers-match) Mar 19 2024 ## [Six Steps to a Strong Missing Participant Policy](https://blog.rch1.com/blog/six-steps-to-a-strong-missing-participant-policy) ![Six\_Steps\_To\_Strong\_MP\_Policy](https://blog.rch1.com/hs-fs/hubfs/Six_Steps_To_Strong_MP_Policy.png?width=200&height=166&name=Six_Steps_To_Strong_MP_Policy.png)[Missing participants](https://rch1.com/missing-participants), defined as individuals who have become disconnected from their retirement savings – often through their own inaction – are a significant challenge that has long plagued defined contribution plans.  Unfortunately, the responsibility for locating these persons falls squarely on the shoulders of plan sponsors. [Read More](https://blog.rch1.com/blog/six-steps-to-a-strong-missing-participant-policy) Page: [‹](https://blog.rch1.com/blog/author/thomas-hawkins/page/3) [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) [6](https://blog.rch1.com/blog/author/thomas-hawkins/page/6) [›](https://blog.rch1.com/blog/author/thomas-hawkins/page/5) [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) - 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