--- title: RCH Consolidation Corner | 401k Cash Outs (7) description: 401k Cash Outs | Keep up to date on all of the latest industry news with RCH1 (7) --- [![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) - 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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) Posts about # 401k Cash Outs (7) ### 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. --- Mar 31 2021 ## [Cracking the Code to True 401(k) Portability](https://blog.rch1.com/blog/cracking-the-code-to-true-401k-portability) ![Cracking-the-Code-to-401k-Portability](https://blog.rch1.com/hs-fs/hubfs/Cracking-the-Code-to-401k-Portability.png?width=200&name=Cracking-the-Code-to-401k-Portability.png)America’s 401(k) system, long plagued by friction, produces $92.4 billion of [excessive cash-out leakage](https://401kspecialistmag.com/the-tragicomedy-of-401k-cashout-leakage/) annually.   In recent years and culminating in 2021, the private sector has finally “cracked the code” and is delivering innovative fintech solutions, combined with education and personal assistance to reduce friction and to enable true 401(k) portability. [Read More](https://blog.rch1.com/blog/cracking-the-code-to-true-401k-portability) Mar 22 2021 ## [What’s Missing from Many Plans? Current Addresses for Participants](https://blog.rch1.com/blog/whats-missing-from-many-plans-current-addresses-for-participants) [![ebnimage](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage.jpg?width=200&name=ebnimage.jpg)](https://www.benefitnews.com/advisers/opinion/retirement-plans-are-missing-this-crucial-information)So many extraordinary developments took place last year that some trends fell under the radar. One of these—the sharp uptick in migration out of large U.S. cities—can make a significant impact on sponsors and their plans. [Read More](https://blog.rch1.com/blog/whats-missing-from-many-plans-current-addresses-for-participants) Mar 17 2021 ## [Consolidating the Gains from a Program of Retirement Savings Portability](https://blog.rch1.com/blog/consolidating-the-gains-from-a-program-of-retirement-savings-portability) ![Consolidating Gains](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/Consolidating%20Gains.png?width=200&name=Consolidating%20Gains.png) When research performed 8 years ago reveals that your 401(k) plan, by turning on portability and consolidation for all participants, has halved cashout leakage and dramatically reduced its small account problem, what do you do for an encore? [Read More](https://blog.rch1.com/blog/consolidating-the-gains-from-a-program-of-retirement-savings-portability) Feb 22 2021 ## [Auto Portability Is, And Always Will Be, A Bipartisan Solution](https://blog.rch1.com/blog/auto-portability-is-and-always-will-be-a-bipartisan-solution) [![ebnimage](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage.jpg?width=200&name=ebnimage.jpg)](https://www.benefitnews.com/opinion/auto-portability-is-and-always-will-be-a-bipartisan-solution)With Boston Mayor Marty Walsh’s nomination to become Secretary of Labor advancing through the Senate, the transfer of power in Washington, DC is progressing. Although the Department of Labor is taking direction from a Democratic administration, the solution to the problem of rampant asset-leakage from the U.S. retirement system will remain on track. [Read More](https://blog.rch1.com/blog/auto-portability-is-and-always-will-be-a-bipartisan-solution) Feb 01 2021 ## [Nudge Theory can Help Sponsors Strengthen Financial Wellness Initiatives](https://blog.rch1.com/blog/nudge-theory-can-help-sponsors-strengthen-financial-wellness-initiatives) [![ebnimage](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage.jpg?width=200&name=ebnimage.jpg)](https://www.benefitnews.com/opinion/nudge-theory-can-help-strengthen-financial-wellness-initiatives)After the year we’ve had, it’s no wonder there is so much more concern about financial wellness. But while plan sponsors are well-intentioned in their efforts to help participants increase their retirement savings and other financial outcomes, the latter haven’t noticed. [Read More](https://blog.rch1.com/blog/nudge-theory-can-help-sponsors-strengthen-financial-wellness-initiatives) Dec 19 2020 ## [How Sponsors can Facilitate Better Participant Outcomes—and Improve Plan Metrics—in 2021](https://blog.rch1.com/blog/how-sponsors-can-facilitate-better-participant-outcomes-and-improve-plan-metrics-in-2021) [![ebn logo](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage.jpg?width=200&name=ebnimage.jpg)](https://www.benefitnews.com/opinion/how-sponsors-can-facilitate-better-retirement-participant-outcomes-and-improve-plan-metrics-in-2021)You don’t need me to remind you that 2020 has been an extraordinary year that many of us would like to forget. The New Year we have been looking forward to for some time is now here. [Read More](https://blog.rch1.com/blog/how-sponsors-can-facilitate-better-participant-outcomes-and-improve-plan-metrics-in-2021) Dec 01 2020 ## [Three New Year's Resolutions for Plan Sponsors to Consider](https://blog.rch1.com/blog/three-new-years-resolutions-for-plan-sponsors-to-consider) ![2021\_Resolutions](https://blog.rch1.com/hs-fs/hubfs/2021_Resolutions.png?width=200&name=2021_Resolutions.png)In January, Alight Solutions released [2020 Hot Topics in Retirement & Financial Wellbeing](https://alight.com/research-insights/hot-topics-retirement-jan-2020), a survey of 130 plan sponsors employing 5.5 million workers and highlighting key trends among plan sponsors, including expanding financial wellbeing programs, increasing efforts to help participants bridge the gap between working and retiring, and strengthening programs to locate missing participants. [Read More](https://blog.rch1.com/blog/three-new-years-resolutions-for-plan-sponsors-to-consider) Nov 16 2020 ## [Bringing Sunlight to the Dark Corners of Safe Harbor IRA Fees](https://blog.rch1.com/blog/bringing-sunlight-to-the-dark-corners-of-safe-harbor-ira-fees) ![Sunlight](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Sunlight.png?width=200&name=Sunlight.png)401(k) plan sponsors know all too well that sunlight – coming in the form of transparent fees and disclosures – is vital to fulfilling their fiduciary duty to act in the best interest of their participants. [Read More](https://blog.rch1.com/blog/bringing-sunlight-to-the-dark-corners-of-safe-harbor-ira-fees) Nov 09 2020 ## [Elections Have Consequences—Elect to Help Participants Keep Their Savings, Instead of Losing Their Savings via Mandatory Distributions](https://blog.rch1.com/blog/elections-have-consequences-elect-to-help-participants-keep-their-savings-instead-of-losing-their-savings-via-mandatory-distributions) [![ebn logo](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage.jpg?width=200&name=ebnimage.jpg)](https://www.benefitnews.com/opinion/elect-to-help-your-employees-keep-their-retirement-savings)No, this article isn’t about the Presidential election. But this year’s election, which took place in the middle of a global pandemic, reminds us that some things are in our control, and some things aren’t.  [Read More](https://blog.rch1.com/blog/elections-have-consequences-elect-to-help-participants-keep-their-savings-instead-of-losing-their-savings-via-mandatory-distributions) Nov 05 2020 ## [Broadcast Retirement Network Features Segment on ‘Small Account Problem’](https://blog.rch1.com/blog/broadcast-retirement-network-features-segment-on-small-account-problem) ![BRN AM Splash](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/BRN%20AM%20Splash.png?width=200&name=BRN%20AM%20Splash.png)On Wednesday, 11/4/20 the [Broadcast Retirement Network’s](https://broadcastretirementnetwork.com/) Jeff Snyder interviewed [Retirement Clearinghouse (RCH)](https://rch1.com/) President & CEO Spencer Williams and [Alight Solutions](https://alight.com/)’ Vice President & Head of Research Rob Austin to address the 401(k) system’s small account problem – where high levels of cashout leakage in small balance segments perennially robs millions of participants of a timely or comfortable retirement. 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