--- title: RCH Consolidation Corner (12) description: Keep up to date on all of the latest industry news with RCH1 (12) --- [![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) - 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[Plan Sponsor Support](https://rch1.com/plan-sponsors/rch-client-services) - [The Missing Participant Problem](https://rch1.com/plan-sponsors/addressing-the-problem-of-missing-participants) - [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) - 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[Common Mistakes Sponsors Make](https://rch1.com/plan-sponsors/terminating-a-401k-plan/what-mistakes-do-plan-sponsors-make-when-terminating-401k-plans) - [What to Look for in a Service Provider](https://rch1.com/plan-sponsors/terminating-a-401k-plan/what-to-look-for-in-a-terminating-401k-service-provider) - [Get More Information](https://rch1.com/plan-sponsors/terminating-a-401k-plan/get-more-information-on-terminating-plans) - [RCH's Terminating Plan Service](https://rch1.com/plan-sponsors/terminating-a-401k-plan/plan-termination-services) - [Participant Testimonials](https://rch1.com/plan-sponsors/participant-testimonials) - [Due Diligence Material](https://rch1.com/plan-sponsors/due-diligence-material) - [Contact Us](https://rch1.com/plan-sponsors/contact-us) - [Accountholders](https://rch1.com/individuals) - [Individuals Home](https://rch1.com/individuals) - [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) - 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[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 29 2021 ## [Solving Cashout Leakage, Auto Portability Featured in Senate Committee Hearing](https://blog.rch1.com/blog/solving-cashout-leakage-auto-portability-featured-in-senate-committee-hearing) ![SenateAgingCommittee\_WEB](https://blog.rch1.com/hs-fs/hubfs/SenateAgingCommittee_WEB.jpg?width=200&name=SenateAgingCommittee_WEB.jpg)A 10/28/21 hearing by the U.S. Senate’s [Special Committee on Aging](https://www.aging.senate.gov/), titled [*A Financially Secure Future: Building a Stronger Retirement System for All Americans*](https://www.aging.senate.gov/hearings/a-financially-secure-future-building-a-stronger-retirement-system-for-all-americans), was highly-focused on the problems of cashout leakage, as well as its most promising solution, [auto portability](https://rch1.com/auto-portability). [Read More](https://blog.rch1.com/blog/solving-cashout-leakage-auto-portability-featured-in-senate-committee-hearing) Sep 29 2021 ## [The Top Five Misconceptions About Auto Portability](https://blog.rch1.com/blog/the-top-five-misconceptions-about-auto-portability) ![Misconceptions](https://blog.rch1.com/hs-fs/hubfs/Misconceptions.png?width=200&name=Misconceptions.png)Auto portability is a new “automatic” plan feature that is rapidly gaining acceptance by [large defined contribution recordkeepers](https://rch1.com/auto-portability/regulatory-information/participating-recordkeepers) serving almost 10 million participants. While the feature is relatively new, it has received a great deal of attention in the media and has also been the beneficiary of definitive [regulatory guidance, promulgated by the Department of Labor (DOL)](https://rch1.com/auto-portability/regulatory-information/enabling-regulation). [Read More](https://blog.rch1.com/blog/the-top-five-misconceptions-about-auto-portability) Sep 21 2021 ## [Vanguard Joins the Auto Portability Clearinghouse](https://blog.rch1.com/blog/vanguard-joins-the-auto-portability-clearinghouse) ![breaking-news-vanguard](https://blog.rch1.com/hs-fs/hubfs/breaking-news-vanguard.png?width=200&name=breaking-news-vanguard.png)In a [press release issued 9/21/21](https://pressroom.vanguard.com/news/Press-release-Vanguard-RCH-to-offer-Auto-Portability-Service-to-401k-Participants-092121.html), [The Vanguard Group](https://vanguard.com) (“Vanguard”) announced it has engaged with [Retirement Clearinghouse (RCH)](https://rch1.com) to introduce the [RCH Auto Portability](https://rch1.com/auto-portability) program to their defined contribution plan sponsor clients in mid-2022. [Read More](https://blog.rch1.com/blog/vanguard-joins-the-auto-portability-clearinghouse) Sep 15 2021 ## [EBRI Research Reveals Auto Portability’s Massive Incremental Benefits to Pending Legislation](https://blog.rch1.com/blog/ebri-research-reveals-auto-portabilitys-massive-incremental-benefits-to-pending-legislation) ![incremental benefits](https://blog.rch1.com/hs-fs/hubfs/incremental%20benefits.png?width=200&name=incremental%20benefits.png)In a 9/13/21 [Employee Benefit Research Institute (EBRI)](https://ebri.org/) webinar ([The Impact of Proposed Legislative Changes on Retirement Income Adequacy](https://www.ebri.org/videos/default-source/webinar-replays/legislativeproposals_091321.mp4?sfvrsn=6c643b2f_2)), EBRI Research Director Jack VanDerhei presented an analysis of pending legislative changes, including automatic contribution plans and arrangements (ACPAs), paired with a refundable saver’s credit. [Read More](https://blog.rch1.com/blog/ebri-research-reveals-auto-portabilitys-massive-incremental-benefits-to-pending-legislation) Sep 07 2021 ## [Refundable Saver’s Tax Credits Would Significantly Reduce Retirement Savings Shortfall—Especially for Minorities](https://blog.rch1.com/blog/refundable-savers-tax-credits-would-significantly-reduce-retirement-savings-shortfall-especially-for-minorities) [![Employee Benefit News](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage.jpg?width=200&name=ebnimage.jpg "Employee Benefit News")](https://www.benefitnews.com/advisers/opinion/tax-credits-would-narrow-wealth-disparities-help-retirement)Concurrent with the COVID-19 pandemic, our elected representatives have been grappling with the issue of wealth disparities between America’s white and minority workers. Commendably, there has been bipartisan support in Washington, DC for measures to assist those who are historically under-served or under-saved in our national system for accumulating and incubating retirement savings.   [Read More](https://blog.rch1.com/blog/refundable-savers-tax-credits-would-significantly-reduce-retirement-savings-shortfall-especially-for-minorities) Sep 01 2021 ## [Beware of Second Order Effects for Retirement Savings Public Policies](https://blog.rch1.com/blog/beware-of-second-order-effects-for-retirement-savings-public-policies) ![Second Order Effects](https://blog.rch1.com/hs-fs/hubfs/Second%20Order%20Effects.png?width=200&name=Second%20Order%20Effects.png)At first glance, some retirement savings public policies can seem like a sure thing, particularly when they’re based solely upon the benefits that would directly result. However, in the real world, these “first order” effects are inevitably followed by “second order” effects, which can sometimes be antithetical to the policy’s original intent. [Read More](https://blog.rch1.com/blog/beware-of-second-order-effects-for-retirement-savings-public-policies) Aug 02 2021 ## [Senate Hearing Reveals Large Employer Support for Auto Portability](https://blog.rch1.com/blog/senate-hearing-reveals-large-employer-support-for-auto-portability) ![Senate\_Finance\_RSP](https://blog.rch1.com/hs-fs/hubfs/Senate_Finance_RSP.png?width=200&name=Senate_Finance_RSP.png)During testimony in a July 28th hearing held by the Senate Finance Committee ([Building on Bipartisan Retirement Legislation: How Can Congress Help?](https://www.finance.senate.gov/hearings/building-on-bipartisan-retirement-legislation-how-can-congress-help)), [Aliya Robinson](https://www.eric.org/newsroom/staff-bios/), Senior Vice President of Retirement and Compensation Policy for the [ERISA Advisory Committee (ERIC)](https://www.eric.org/), twice voiced her support for [auto portability](https://rch1.com/auto-portability), the new plan feature that automatically moves small balances to the new employer’s plan when participants change jobs. [Read More](https://blog.rch1.com/blog/senate-hearing-reveals-large-employer-support-for-auto-portability) Jul 19 2021 ## [Five Misconceptions About Automatic Rollovers](https://blog.rch1.com/blog/five-misconceptions-about-automatic-rollovers) ![Video\_Splash](https://blog.rch1.com/hs-fs/hubfs/Video_Splash.png?width=200&name=Video_Splash.png)Most agree – automatic rollover programs can help plan sponsors deal with problems associated with small-balance accounts, including: - High levels of missing participants - Increased administrative costs and workload - Increased recordkeeping fees - Lower average account balances [Read More](https://blog.rch1.com/blog/five-misconceptions-about-automatic-rollovers) Jul 12 2021 ## [So Happy Together: Auto Portability & Authorized Portability](https://blog.rch1.com/blog/so-happy-together-auto-portability-and-authorized-portability) ![So Happy Together](https://blog.rch1.com/hs-fs/hubfs/So%20Happy%20Together.png?width=200&name=So%20Happy%20Together.png)When [auto portability](https://rch1.com/auto-portability) becomes ubiquitous in America’s 401(k) system, it will herald 100% fully automated, end-to-end portability for all small-balance job-changers.   [Read More](https://blog.rch1.com/blog/so-happy-together-auto-portability-and-authorized-portability) Jul 07 2021 ## [Don’t Relegate Lost & Missing Accounts to the Lost & Found—Consolidate Them in the Retirement System](https://blog.rch1.com/blog/dont-relegate-lost-and-missing-accounts-to-the-lost-and-found-consolidate-them-in-the-retirement-system) [![Employee Benefit News](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage.jpg?width=200&name=ebnimage.jpg "Employee Benefit News")](https://www.benefitnews.com/advisers/opinion/consolidate-retirement-accounts-to-boost-savings)The Securing a Strong Retirement Act of 2021, nicknamed the “SECURE ([Setting Every Community Up for Retirement Enhancement](https://www.benefitnews.com/opinion/mitigating-covid-19s-catastrophic-impact-on-retirement-readiness)) Act 2.0,” was passed unanimously by the House Ways and Means Committee, and many expect the bill to pass the full House of Representatives. 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