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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.


Nov
15
2016

What is Synthetic Tenure, and Why is it Important?

Employee Benefit NewsIt is intuitive to observe that the easiest way for a plan participant to achieve lifetime participation in the U.S. retirement system is to work for the same employer for 40 years or more. But in today’s highly mobile workforce, that rarely happens. According to the Employee Benefit Research Institute (EBRI), the average American will change jobs more than seven times during a 40-year working life, indicating that a participant’s average tenure with each employer will be a little over five years. So what can be done to help the vast majority of participants that simply won’t work for one employer for their entire careers? 

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Nov
07
2016

A Roll-In in Time Saves Far More Than Nine

MarketWatchIn his latest MarketWatch RetireMentors column, RCH CEO Spencer Williams modifies the familiar proverb “a stitch in time saves nine” for the benefit of 401(k) savers who have multiple retirement savings accounts. A roll-in becomes the equivalent of the stitch, saving participants considerable time and money as they change jobs.

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Nov
04
2016

What Plan Sponsors Can Do to Plug 401(k) Plan Leakage

What Plan Sponsors Can Do to Plug the 401K Plan Leakage VideoThis video presentation is designed to provide qualified retirement plan sponsors with an overview of key actions that they can take in order to help reduce 401(k) plan leakage.

Why is 401(k) Plan Leakage a Problem?

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Oct
25
2016

Ushering in the Next Era of Automatic Enrollment

Next Era of Automatic EnrollmentWhen it comes to the 401(k) plan feature known as automatic enrollment, most industry observers seem to agree that it’s a good thing. In a world of scarce resources, you can never have too much of a good thing, right?

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Oct
19
2016

Why our retirement system is broken

Employee Benefit NewsIt’s ironic that, as we observe another “National Save for Retirement Week,” the retirement system we have in this country isn’t really a “system” at all.

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Oct
17
2016

A Different ‘Save’ to Consider During ‘National Save for Retirement Week’

Sen. Kent Conrad By Neal Ringquist and Tom Hawkins

As we prepare to observe National Save for Retirement Week (also known as “National Retirement Security Week”), scheduled for October 16-22, it’s a great opportunity to remember why we, as individuals, need to save for our retirement. But the sobering reality is that we are all being called upon to save retirement itself—by rescuing a retirement system that doesn’t work for millions of hardworking Americans.

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Oct
05
2016

How You Should Observe ‘National Save for Retirement Week’

MarketWatchIn his most recent article in MarketWatch, RCH’s Spencer Williams notes the upcoming ‘National Save for Retirement Week’ event, and employs some clever word-association that has readers re-thinking the meaning of the word “save.”

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Sep
27
2016

Five Misconceptions About 401(k) Leakage

Five Misconceptions About 401(k) LeakageWhat is 401(k) leakage, and why should I care? This video presentation is designed to provide qualified retirement plan sponsors with an understanding of the facts and popular misconceptions surrounding the topic of 401(k) plan leakage.

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Sep
22
2016

The One Solution Everyone in DC Agrees Upon: We Need Consolidation


Washington DC at nightThis summer, there’s one topic that everyone in Washington, D.C. seems to agree upon: the importance of consolidation in protecting Americans’ retirement security.

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Sep
20
2016

Why helping employees review 401(k)s isn’t a mission impossible

Employee Benefit NewsHey, plan sponsors: Imagine for a moment that your active participants are Tom Cruise from Mission: Impossible (or Barbara Bain, Peter Graves and Martin Landau, for those of us who remember the classic TV series).

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