--- title: RCH Consolidation Corner (19) description: Keep up to date on all of the latest industry news with RCH1 (19) --- [![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) - [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) - [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. --- May 07 2019 ## [A Plan Metric Every Sponsor Should Track: Participant-Retained Retirement Savings](https://blog.rch1.com/blog/a-plan-metric-every-sponsor-should-track-participant-retained-retirement-savings) [**![EBN](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage.jpg?width=200&name=ebnimage.jpg)**](https://www.benefitnews.com/opinion/job-hopping-a-challenge-to-portable-401k-retirement-benefits) When evaluating their defined contribution plans, plan sponsors understandably look at standard benchmarks such as rate of participation, average deferral percentage, and [average account balance](https://www.benefitnews.com/opinion/reduce-plan-fees-by-increasing-account-balances). However, given the highly mobile nature of today’s American workforce, sponsors should also consider tracking the average percentage of retirement savings that participants retain during their job tenure, and when they leave to join another employer. [Read More](https://blog.rch1.com/blog/a-plan-metric-every-sponsor-should-track-participant-retained-retirement-savings) Apr 24 2019 ## [LIMRA Webinar Features Michael Kreps’ Update on Auto Portability](https://blog.rch1.com/blog/limra-webinar-features-michael-kreps-update-on-auto-portability) ![kreps](https://blog.rch1.com/hs-fs/hubfs/kreps.png?width=200&name=kreps.png)On April 16th, as part of their Strategic Issues Webinar Series, the LIMRA Secure Retirement Institute delivered the webinar *Regulatory and Legislative Trends Impacting the U.S. Retirement System*.  The LIMRA webinar featured presenter Michael Kreps, Principal, Groom Law Group, and was moderated by Judy Zaiken, Corporate Vice President, LIMRA. [Read More](https://blog.rch1.com/blog/limra-webinar-features-michael-kreps-update-on-auto-portability) Apr 23 2019 ## [EBRI Webinar Examines Impact of Tenure on Retirement Savings](https://blog.rch1.com/blog/ebri-webinar-examines-impact-of-tenure-on-retirement-savings) ![EBRI Logo](https://blog.rch1.com/hs-fs/hubfs/EBRI%20Logo.png?width=200&name=EBRI%20Logo.png)On April 10th, the Employee Benefit Research Institute (EBRI) featured the webinar *EBriefing: Trends in Employee Tenur*e, showcasing the latest EBRI research examining broad employee tenure trends over time, and the impact that shorter tenure can have on retirement savings. The webinar’s presenters included Craig Copeland, Senior Research Associate, EBRI and Spencer Williams, President & CEO, Retirement Clearinghouse (RCH), and was moderated by Stacy Schaus, Founder & CEO, Schaus Group LLC. [Read More](https://blog.rch1.com/blog/ebri-webinar-examines-impact-of-tenure-on-retirement-savings) Apr 22 2019 ## [America's 401(k) System is Unsustainable - Let's Fix It](https://blog.rch1.com/blog/why-america-urgently-needs-a-sustainable-defined-contribution-system) ![401k\_Sustainability](https://blog.rch1.com/hs-fs/hubfs/401k_Sustainability.png?width=200&name=401k_Sustainability.png)On Earth Day 2019, as we focus on creating a sustainable and eco-friendly environment, it's worth considering how the application of similar principles would benefit our retirement system.  America’s 401(k) system is unsustainable – urgently requiring an upgrade to effectively deliver on its intended goal – helping millions of Americans enjoy a timely and comfortable retirement.  The good news is that we're beginning to see important signs of action that could ultimately address the problem.   [Read More](https://blog.rch1.com/blog/why-america-urgently-needs-a-sustainable-defined-contribution-system) Apr 15 2019 ## [How Auto Portability Serves Participants’ Best Interests - Part 3: Auto Portability Could Lower Plan Expenses](https://blog.rch1.com/blog/how-auto-portability-serves-participants-best-interests-part-3-auto-portability-could-lower-plan-expenses) ![AP\_definition\_best\_interests](https://blog.rch1.com/hs-fs/hubfs/AP_definition_best_interests.png?width=200&name=AP_definition_best_interests.png)In this five-part series, I identify five key reasons why an auto portability program serves the best interests of plan participants. Previously: - In [Part 1](https://blog.rch1.com/blog/how-auto-portability-serves-participants-best-interests-part-1-dramatically-improved-participant-outcomes), I examined the dramatically improved participant outcomes that will result from a program of auto portability. - In [Part 2](https://blog.rch1.com/blog/how-auto-portability-serves-participants-best-interests-part-2), I described how auto portability, by enhancing and extending automatic rollover programs, represents an enhanced standard of participant care. In Part 3, I present evidence that the adoption of auto portability could lead to a reduction in plan expenses. [Read More](https://blog.rch1.com/blog/how-auto-portability-serves-participants-best-interests-part-3-auto-portability-could-lower-plan-expenses) Apr 08 2019 ## [Cybersecurity is Augmented by Auto Portability](https://blog.rch1.com/blog/cybersecurity-is-augmented-by-auto-portability) [![EBN](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage.jpg?width=200&name=ebnimage.jpg)](https://www.benefitnews.com/opinion/how-to-protect-401k-plans-from-cybersecurity-risks) All companies that manage personal consumer data, regardless of where they are based or what industry they are part of, are right to be concerned about [cybersecurity](https://www.benefitnews.com/opinion/why-cyberattacks-make-a-compelling-case-for-auto-portability). The scope and scale of cyberattacks continue to increase around the world, as last year’s breach compromising 50 million Facebook users demonstrated. [Read More](https://blog.rch1.com/blog/cybersecurity-is-augmented-by-auto-portability) Mar 27 2019 ## [Tax Day is Coming—Encourage Millennial Participants to Incubate Saver’s Credits](https://blog.rch1.com/blog/tax-day-is-coming-encourage-millennial-participants-to-incubate-savers-credits) [![ebnimage](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage.jpg?width=200&name=ebnimage.jpg)](https://www.benefitnews.com/opinion/teach-millennials-why-not-to-cash-out-retirement-401k) April 15 is just around the corner. While many Americans dread Tax Day, April 15 presents defined contribution plan sponsors with an opportunity to demonstrate their value as [fiduciaries](https://www.benefitnews.com/opinion/what-the-dols-fiduciary-rule-doesnt-say), and as [financial wellness](https://www.benefitnews.com/opinion/the-rallying-cry-for-improving-financial-wellness) advocates. [Read More](https://blog.rch1.com/blog/tax-day-is-coming-encourage-millennial-participants-to-incubate-savers-credits) Mar 23 2019 ## [EBRI Webinar Extends Auto Portability’s Benefits to Young Millennials](https://blog.rch1.com/blog/ebri-webinar-extends-auto-portabilitys-benefits-to-young-millennials) ![EBRI Logo](https://blog.rch1.com/hs-fs/hubfs/EBRI%20Logo.png?width=200&name=EBRI%20Logo.png)In their March 20th webinar "Achieving Retirement Income Equivalency Between Final-Average-Pay Defined Benefit Plans and Automatic Enrollment 401(k) Plans in the Private Sector", the [Employee Benefits Research Institute (EBRI)](https://ebri.org) revealed more research that supports the case for [auto portability](https://rch1.com/auto-portability).  [Read More](https://blog.rch1.com/blog/ebri-webinar-extends-auto-portabilitys-benefits-to-young-millennials) Mar 11 2019 ## [How Auto Portability Serves Participants’ Best Interests - Part 2: An Enhanced Standard of Participant Care](https://blog.rch1.com/blog/how-auto-portability-serves-participants-best-interests-part-2) ![AP\_definition\_best\_interests](https://blog.rch1.com/hs-fs/hubfs/AP_definition_best_interests.png?width=200&name=AP_definition_best_interests.png)In this series, I identify five key reasons why an [auto portability](https://rch1.com/auto-portability) program serves the best interests of plan participants. Previously, in [Part 1](https://blog.rch1.com/blog/how-auto-portability-serves-participants-best-interests-part-1-dramatically-improved-participant-outcomes), I examined the [dramatically improved participant outcomes](https://blog.rch1.com/blog/how-auto-portability-serves-participants-best-interests-part-1-dramatically-improved-participant-outcomes) that will result from a program of auto portability. In Part 2, I describe how auto portability, by enhancing and extending automatic rollover programs, represents an enhanced standard of care for participants. [Read More](https://blog.rch1.com/blog/how-auto-portability-serves-participants-best-interests-part-2) Feb 28 2019 ## [5 Ways to Check if Your ARO Program Needs an Upgrade](https://blog.rch1.com/blog/5-ways-to-check-if-your-aro-program-needs-an-upgrade) [![EBN logo](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage.jpg?width=200&name=ebnimage.jpg)](https://www.benefitnews.com/opinion/ways-to-check-if-your-automatic-rollover-program-needs-an-upgrade)The long-awaited [Department of Labor (DOL) guidance](https://rch1.com/news/press-release--robert-l-johnson-welcomes-department-of-labors-advisory-opinion-on-auto-portability) on the legal and regulatory framework for auto portability has cleared the way for plan sponsors to further enhance and optimize their automatic rollover programs. By explicitly recognizing auto portability’s potential benefits to retirement savers, the DOL acknowledges that existing ARO programs have flaws which auto portability can fix. [Read More](https://blog.rch1.com/blog/5-ways-to-check-if-your-aro-program-needs-an-upgrade) Page: [‹](https://blog.rch1.com/blog/page/18) [17](https://blog.rch1.com/blog/page/17) [18](https://blog.rch1.com/blog/page/18) [19](https://blog.rch1.com/blog/page/19) [20](https://blog.rch1.com/blog/page/20) [21](https://blog.rch1.com/blog/page/21) [›](https://blog.rch1.com/blog/page/20) [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) - [Auto Enrollment](https://blog.rch1.com/blog/topic/auto-enrollment) - [Auto Portability](https://blog.rch1.com/blog/topic/auto-portability) - 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