--- title: RCH Consolidation Corner | Thomas Hawkins (7) 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. (7) --- [![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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[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. --- Aug 09 2022 ## [Three Ways 401(k) Plan Sponsors Can Boost Participants’ Awareness on National Financial Awareness Day](https://blog.rch1.com/blog/three-ways-401k-plan-sponsors-can-boost-participants-awareness-on-national-financial-awareness-day) ![National Awareness Day](https://blog.rch1.com/hs-fs/hubfs/National%20Awareness%20Day.png?width=200&name=National%20Awareness%20Day.png)August 14th is [National Financial Awareness Day](https://nationaltoday.com/national-financial-awareness-day/#:~:text=August%2014%20is%20National%20Financial%20Awareness%20Day%20and%20a%20good,and%20prepare%20for%20the%20future.), and 401(k) plan sponsors have been instrumental in increasing the financial awareness of millions of Americans by providing them with access to workplace retirement savings plans that materially enhance their prospects for a timely and comfortable retirement. [Read More](https://blog.rch1.com/blog/three-ways-401k-plan-sponsors-can-boost-participants-awareness-on-national-financial-awareness-day) Jul 12 2022 ## [Why Missing Participants Are So Misunderstood](https://blog.rch1.com/blog/why-missing-participants-are-so-misunderstood) ![MPs Misunderstood](https://blog.rch1.com/hs-fs/hubfs/MPs%20Misunderstood.png?width=200&name=MPs%20Misunderstood.png)Winston Churchill, once referring to the intentions of the former Soviet Union, stated: “it is a riddle, wrapped in a mystery, inside an enigma.” For 401(k) plan sponsors, that’s an apt description for the problem of [missing participants](https://rch1.com/missing-participants). [Read More](https://blog.rch1.com/blog/why-missing-participants-are-so-misunderstood) May 23 2022 ## [Re-Thinking the Automatic Rollover IRA](https://blog.rch1.com/blog/re-thinking-the-automatic-rollover-ira) ![Re-Thinking Auto Rollover IRAs](https://blog.rch1.com/hs-fs/hubfs/Re-Thinking%20Auto%20Rollover%20IRAs.png?width=200&name=Re-Thinking%20Auto%20Rollover%20IRAs.png)Selecting an [automatic rollover IRA](https://rch1.com/automatic-rollovers) provider used to be easy. Most 401(k) plan sponsors simply accepted the solution offered through their recordkeeper or TPA. Others performed due diligence, using a limited set of criteria including basic fees, investment options and accountholder service. [Read More](https://blog.rch1.com/blog/re-thinking-the-automatic-rollover-ira) May 16 2022 ## [401(k) Portability in Four Movements](https://blog.rch1.com/blog/401k-portability-in-four-movements) ![401k Portability in Four Movements](https://blog.rch1.com/hs-fs/hubfs/401k%20Portability%20in%20Four%20Movements.png?width=200&name=401k%20Portability%20in%20Four%20Movements.png)Over the past 15 years, a very large (250,000+ participants) 401(k) plan sponsor that our company has had the opportunity to serve has been highly successful in delivering improved participant outcomes by incrementally adopting a full program of retirement savings portability. Were the plan’s experience set to music, it could be described as “401(k) Portability in Four Movements” – opening with discordant levels of cashout leakage but quickly building towards more satisfying participant outcomes, including substantial improvements in the preservation and consolidation of retirement savings. [Read More](https://blog.rch1.com/blog/401k-portability-in-four-movements) May 05 2022 ## [Addressing the Achilles’ Heel of Auto IRA Programs](https://blog.rch1.com/blog/addressing-the-achilles-heel-of-auto-ira-programs) ![Addressing the Achilles Heel of Auto IRA Programs](https://blog.rch1.com/hs-fs/hubfs/Addressing%20the%20Achilles%20Heel%20of%20Auto%20IRA%20Programs.png?width=200&name=Addressing%20the%20Achilles%20Heel%20of%20Auto%20IRA%20Programs.png)I’m convinced that Auto IRA programs, despite their potential size and strength, suffer from an obvious Achilles’ heel: a lack of retirement savings portability.   Without addressing their portability problem, Auto IRA programs could expand, but may never reach their full potential, housing large numbers of churning, small-balance accounts. However, with adequate support for portability both into and out of these programs, they could dramatically increase the odds that they deliver on their promise of building incremental retirement wealth for millions of Americans. [Read More](https://blog.rch1.com/blog/addressing-the-achilles-heel-of-auto-ira-programs) Apr 28 2022 ## [Key Portability Finding Located in EBRI's Retirement Confidence Survey](https://blog.rch1.com/blog/key-portability-finding-located-in-ebris-retirement-confidence-survey) ![Key Portability Finding Located](https://blog.rch1.com/hs-fs/hubfs/Key%20Portability%20Finding%20Located.png?width=200&name=Key%20Portability%20Finding%20Located.png)An interesting and valuable finding lies buried within EBRI’s 2022 Retirement Confidence Survey (RCS), but you won’t find it referenced in the organization’s initial report, officially released to the public on Thursday, April 28th. In an excerpt of a [report available to survey partners](https://blog.rch1.com/hubfs/Presentation_Decks/2022%20RCS%20Funder%20Report%203.28.22%20Excerpt.pdf#page=3), the RCS found that a plurality of job-changing 401(k) plan participants favored automatic plan-to-plan portability over consolidating their savings to an IRA, or leaving their savings behind in their former employer’s plan. This result comes on the heels of EBRI’s 2021 survey, which found that nearly [9 in 10 participants beli](https://rch1.com/blog/the-case-for-auto-portability-gets-stronger)[eved that auto portability would be valuable](https://rch1.com/blog/the-case-for-auto-portability-gets-stronger) to them. [Read More](https://blog.rch1.com/blog/key-portability-finding-located-in-ebris-retirement-confidence-survey) Apr 12 2022 ## [On Filling the Leaky 401(k) Bucket](https://blog.rch1.com/blog/on-filling-the-leaky-401k-bucket) ![office](https://blog.rch1.com/hs-fs/hubfs/office.jpg?width=200&name=office.jpg)In general, legislation that gets more Americans saving for retirement is good. But if a great many of those incremental savers would likely cash out their savings immediately following a job change, then the public policy benefits might fall a bit short, no? [Read More](https://blog.rch1.com/blog/on-filling-the-leaky-401k-bucket) Mar 03 2022 ## [Towards a Sustainable and “Greener” 401(k) System](https://blog.rch1.com/blog/towards-a-sustainable-and-greener-401k-system) ![DC\_Landfill](https://blog.rch1.com/hs-fs/hubfs/DC_Landfill.png?width=200&name=DC_Landfill.png)“America’s retirement system is sustainable” said no one, ever. That’s the basis for my somewhat cynical reaction to a February 14th, 2022, Request for Information (RFI) issued by the DOL’s Employee Benefits Security Administration (EBSA). The RFI ([Request for Information on Possible Agency Actions to Protect Life Savings and Pensions from Threats of Climate-Related Financial Risk](https://www.dol.gov/newsroom/releases/ebsa/ebsa20220211)) was issued pursuant to a [May 20th, 2021 Executive Order](https://www.govinfo.gov/content/pkg/FR-2022-02-14/pdf/2022-02798.pdf), and asks respondents to identify climate change related threats to “the life savings and pensions of U.S. workers and families.” [Read More](https://blog.rch1.com/blog/towards-a-sustainable-and-greener-401k-system) Feb 10 2022 ## [Auto Portability Featured in ERISA Advisory Council Report](https://blog.rch1.com/blog/auto-portability-featured-in-erisa-advisory-council-report) ![erisa\_advisory\_council](https://blog.rch1.com/hs-fs/hubfs/erisa_advisory_council.jpg?width=200&name=erisa_advisory_council.jpg)I’m old enough to remember a time when [auto portability](https://rch1.com/auto-portability) was a concept, scarcely worthy of serious attention by practically anyone except a [few zealots](https://www.marketwatch.com/story/the-retirement-crisis-where-do-we-stand-11641415955) with an idea. [Read More](https://blog.rch1.com/blog/auto-portability-featured-in-erisa-advisory-council-report) Feb 01 2022 ## [The ‘Fix’ for Missing Participants, Uncashed Distribution Checks and Forgotten Accounts](https://blog.rch1.com/blog/the-fix-for-missing-participants-uncashed-distribution-checks-and-forgotten-accounts) ![The\_Fix](https://blog.rch1.com/hs-fs/hubfs/The_Fix.png?width=200&name=The_Fix.png)For years, regulators, policymakers and, of course, 401(k) plan sponsors have struggled with the vexing problems of [missing participants](https://rch1.com/missing-participants), [uncashed distribution checks](https://rch1.com/uncashed-distribution-checks) and [small, forgotten accounts](https://rch1.com/blog/the-massive-explosion-of-small-401k-accounts). Every year, sponsors beseech regulators for clear guidance to mitigate their fiduciary risk, while lawmakers propose policies such as [lost and found](https://rch1.com/blog/resecuring-the-highest-purpose-for-a-retirement-savings-lost--found) registries to help deal with the problems. Yet, the problems persist and have grown worse over time, even accelerating recently due to [The Great Resignation](https://401kspecialistmag.com/does-the-great-resignation-make-auto-portabilitys-case/). [Read More](https://blog.rch1.com/blog/the-fix-for-missing-participants-uncashed-distribution-checks-and-forgotten-accounts) Page: [‹](https://blog.rch1.com/blog/author/thomas-hawkins/page/6) [5](https://blog.rch1.com/blog/author/thomas-hawkins/page/5) [6](https://blog.rch1.com/blog/author/thomas-hawkins/page/6) [7](https://blog.rch1.com/blog/author/thomas-hawkins/page/7) [8](https://blog.rch1.com/blog/author/thomas-hawkins/page/8) [9](https://blog.rch1.com/blog/author/thomas-hawkins/page/9) [›](https://blog.rch1.com/blog/author/thomas-hawkins/page/8) [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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