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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.


Thomas Hawkins

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As Senior Vice President of Marketing & Research, Tom Hawkins manages RCH's marketing and research initiatives, including development of original content, RCH's internet presence, digital marketing and industry research.
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Recent Posts

Jan
26
2016

Tales from the Roll-In Front Lines, Part I

 tales from the roll-in front lines part 1In previous articles, we’ve discussed the many benefits that occur when participants roll in multiple retirement savings accounts into their current employer’s 401(k) account. Participants benefit from reduced cash outs, lower investment fees and simplified retirement planning. A program of facilitated roll-ins delivers positive results for plans as well, including increased average balances, lower recordkeeping costs and improved retirement readiness metrics.

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Jan
04
2016

Auto Enrollment: The Unintended Consequences, Part II

In his December 1, 2015 article (The unintended consequence of 401(k) auto-enrollment), RCH CEO Spencer Williams exposes the linkage between auto enrollment and lower average account balances.  Based on Form 5500 data, Williams’ analysis presents some excellent examples of industries where average balances are significantly lower in plans that have adopted auto enrollment compared to plans that haven’t. 

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Dec
10
2015

Don’t forget about your service provider’s internal security

Online Security With attention-grabbing headlines about major security breaches occurring almost daily, plan sponsors need to be assured that their service providers are on guard 24-7, protecting sensitive information and intellectual property, wherever it may reside.

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Jul
27
2015

Consolidation: The Missing Piece of the Retirement Game Plan

Today, it’s a commonly-accepted practice for plan sponsors to focus on three major initiatives in order to promote retirement adequacy: participation, saving and diversification. While these concepts are proven, the emerging best practice is to incorporate the principle of consolidation, so that plan sponsors will begin to focus on participation, consolidation, saving and diversification.

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Jul
16
2015

SOC Examinations Designed To Provide Comfort


AICPA Service Organization Control Reports SOC SAS 70 Reports Logo
Gaining Comfort That an External Plan Service Provider Has Adequate Security and Controls 

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