--- title: RCH Consolidation Corner (8) description: Keep up to date on all of the latest industry news with RCH1 (8) --- [![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 11 2023 ## [As Time Passes, The Gains Become Harder](https://blog.rch1.com/blog/as-time-passes-the-gains-become-harder) ![As Time Passes The Gains Become Harder](https://blog.rch1.com/hs-fs/hubfs/As%20Time%20Passes%20The%20Gains%20Become%20Harder.png?width=200&height=133&name=As%20Time%20Passes%20The%20Gains%20Become%20Harder.png)Anyone of sufficient age who exercises regularly knows that gains become harder as you grow older. While improvements are possible, increased effort doesn’t always work. Instead, older fitness aficionados dial in the quality and efficiency of their workouts to experience continued gains. [Read More](https://blog.rch1.com/blog/as-time-passes-the-gains-become-harder) Apr 28 2023 ## [Highway Through the 'Danger Zone'](https://blog.rch1.com/blog/highway-through-the-danger-zone) ![Highway Through the Danger Zone](https://blog.rch1.com/hs-fs/hubfs/Highway%20Through%20the%20Danger%20Zone.png?width=200&height=113&name=Highway%20Through%20the%20Danger%20Zone.png)The 401(k) cashout leakage problem is once again in the news, with the publication of an [alarming study](https://pubsonline.informs.org/doi/10.1287/mksc.2022.1404) by academics, as well as new data from Fidelity Investments revealing a cashout leakage ‘danger zone’ facing participants between the ages of 30-39. These studies, combined with the mounting weight of empirical evidence gathering for more than a decade, confirm that 401(k) cashout leakage is a huge, persistent problem. [Read More](https://blog.rch1.com/blog/highway-through-the-danger-zone) Apr 01 2023 ## [Financial Literacy Can Help Close the Minority Wealth Gap for Retirement Savings](https://blog.rch1.com/blog/financial-literacy-can-help-close-the-minority-wealth-gap-for-retirement-savings) [![ebnimage](https://blog.rch1.com/hs-fs/hubfs/ebnimage.jpg?width=200&name=ebnimage.jpg)](https://www.benefitnews.com/advisers/opinion/financial-literacy-can-close-the-minority-wealth-gap-for-retirement-savings)Knowledge is power, as the saying goes. As Americans observe another Financial Literacy Month, members of the retirement services industry have an opportunity to pause and think about how they can help [empower more people](https://www.benefitnews.com/opinion/how-financial-wellness-programs-can-encourage-employee-participation-in-retirement-savings) to achieve a financially secure retirement. [Read More](https://blog.rch1.com/blog/financial-literacy-can-help-close-the-minority-wealth-gap-for-retirement-savings) Mar 10 2023 ## [A Renaissance for Auto Enrollment](https://blog.rch1.com/blog/a-renaissance-for-auto-enrollment) ![AE Renaissance](https://blog.rch1.com/hs-fs/hubfs/AE%20Renaissance.png?width=200&height=133&name=AE%20Renaissance.png)After making great strides following the Pension Protection Act of 2006 (PPA), adoption of auto enrollment has continued to build slowly but steadily in recent years. According to [DOL Form 5500 data](https://www.dol.gov/agencies/ebsa/about-ebsa/our-activities/public-disclosure/foia/form-5500-datasets), by 2021 the feature has been adopted by plan sponsors housing almost 50% of total 401(k) participant accounts. [Read More](https://blog.rch1.com/blog/a-renaissance-for-auto-enrollment) Feb 14 2023 ## [The Important Task of Determining Participants’ Life Status](https://blog.rch1.com/blog/the-important-task-of-determining-participants-life-status) ![PPT\_Life\_Status2](https://blog.rch1.com/hs-fs/hubfs/PPT_Life_Status2.png?width=200&height=113&name=PPT_Life_Status2.png)Determining retirement plan participants’ life status is an important, albeit uncomfortable task for plan sponsors. Whereas plan participants are typically more concerned about securing a comfortable retirement income that lasts for life, plan sponsors must deal with deceased participants who will leave behind residual plan benefits requiring proper administration. [Read More](https://blog.rch1.com/blog/the-important-task-of-determining-participants-life-status) Jan 31 2023 ## [Dialing Up the Intensity of Missing Participant Searches](https://blog.rch1.com/blog/dialing-up-the-intensity-of-missing-participant-searches) ![Dialing Up Intensity](https://blog.rch1.com/hs-fs/hubfs/Dialing%20Up%20Intensity.png?width=206&height=181&name=Dialing%20Up%20Intensity.png) When it comes to [locating missing retirement plan participants](https://rch1.com/plan-sponsors/addressing-the-problem-of-missing-participants), there’s no substitute for an effective electronic, or “e-search.” However, retirement plan sponsors will inevitably encounter scenarios where periodic e-searches alone will not suffice. [Read More](https://blog.rch1.com/blog/dialing-up-the-intensity-of-missing-participant-searches) Jan 13 2023 ## [The Big Shift Towards Auto Portability](https://blog.rch1.com/blog/the-big-shift-towards-auto-portability) ![the\_big\_shift](https://blog.rch1.com/hs-fs/hubfs/the_big_shift.png?width=200&height=113&name=the_big_shift.png)To quote Ferris Bueller: “Life moves pretty fast. If you don't stop and look around once in a while, you could miss it.” For those accustomed to a glacial pace of change in the world of retirement, you could be forgiven if you’ve missed two very recent, tectonic shifts toward the system-wide adoption of auto portability, the new default plan feature that automatically moves small balance retirement savings forward as participants change employers, saving them time and money, while dramatically reducing cashout leakage. [Read More](https://blog.rch1.com/blog/the-big-shift-towards-auto-portability) Jan 04 2023 ## [A No-Brainer Benefit that Advisors can Bring to Plan-Sponsor Clients](https://blog.rch1.com/blog/a-no-brainer-benefit-that-advisors-can-bring-to-plan-sponsor-clients) [![ebnimage](https://blog.rch1.com/hs-fs/hubfs/ebnimage.jpg?width=200&name=ebnimage.jpg)](https://www.benefitnews.com/advisers/opinion/boost-retirement-plan-assets-through-auto-portability)The passage of the Securing a Strong Retirement Act of 2022 (known as “SECURE 2.0”) reinforces the [bipartisan commitment](https://www.benefitnews.com/opinion/auto-portability-is-and-always-will-be-a-bipartisan-solution) in Congress to helping Americans save more for retirement. Signed into law as part of a $1.7 trillion omnibus spending bill signed by President Biden on December 29, the legislation includes a variety of provisions, including the expansion of automatic enrollment in 401(k) and 403(b) plans. Fortuitously, SECURE 2.0 measures related to [auto portability](https://www.prnewswire.com/news-releases/robert-l-johnson-founder-of-the-rlj-companies-and-chairman-of-portability-services-network-lauds-congress-for-including-auto-portability-in-the-secure-2o-act-of-2022--as-part-of-the-omnibus-spending-bill-301710713.html) come shortly after the launch of an industry initiative to make auto portability—a technology solution that can operate in tandem with auto enrollment to optimize plan participants’ retirement outcomes—much more accessible to plan sponsors across the country. [Read More](https://blog.rch1.com/blog/a-no-brainer-benefit-that-advisors-can-bring-to-plan-sponsor-clients) Dec 20 2022 ## [2022: A Most Consequential Year for Retirement Savings Portability](https://blog.rch1.com/blog/2022-a-most-consequential-year-for-retirement-savings-portability) Last year at this time, our firm predicted that 2022 would be a [pivotal year for reti![2022 Consequential Year](https://blog.rch1.com/hs-fs/hubfs/2022%20Consequential%20Year.png?width=200&height=121&name=2022%20Consequential%20Year.png)rement savings portability](https://467537.hubspotpreview-na1.com/_hcms/preview/content/61794053249?portalId=467537&_preview=true&cacheBust=0&preview_key=CXSmQozd&from_buffer=false). It turns out we were right, but we confess to being pleasantly surprised at just how consequential (and positive) the year has been, and it’s not over yet. Here’s a rundown of key events during 2022 that have helped to positively shape the future of retirement savings portability: [Read More](https://blog.rch1.com/blog/2022-a-most-consequential-year-for-retirement-savings-portability) Dec 13 2022 ## [Webinar Showcases Extraordinary Industry Alignment on Auto Portability](https://blog.rch1.com/blog/webinar-showcases-extraordinary-industry-alignment-on-auto-portability) ![](https://rch1.com/storage/wysiwyg/groom_webinar.png)For defined contribution recordkeepers, competition has long been fierce, so it’s extraordinary when industry rivals join forces and align around a common cause. That alignment around [auto portability](https://rch1.com/auto-portability), embodied in the [newly launched Portability Services Network (PSN)](https://rch1.com/news/press-release-americas-leading-401k-providers-and-retirement-clearinghouse-collaborate-to-implement-a-nationwide-network-for-auto-portability), was on full display in a 12/8/22 Groom Law Group webinar. The event featured representatives from retirement industry titans and founding PSN members Alight Solutions, Fidelity Investments and the Vanguard Group, joined by Retirement Clearinghouse (RCH). [Read More](https://blog.rch1.com/blog/webinar-showcases-extraordinary-industry-alignment-on-auto-portability) Page: [‹](https://blog.rch1.com/blog/page/7) [6](https://blog.rch1.com/blog/page/6) [7](https://blog.rch1.com/blog/page/7) [8](https://blog.rch1.com/blog/page/8) [9](https://blog.rch1.com/blog/page/9) [10](https://blog.rch1.com/blog/page/10) [›](https://blog.rch1.com/blog/page/9) [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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