--- title: RCH Consolidation Corner | 401k Consolidation (4) description: 401k Consolidation | Keep up to date on all of the latest industry news with RCH1 (4) --- [![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 Consolidation (4) ### 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. --- Jan 06 2025 ## [The Compelling Case for Women and Auto Portability](https://blog.rch1.com/blog/the-compelling-case-for-women-and-auto-portability) ![The Compelling Case for Women and AP Text Only](https://blog.rch1.com/hs-fs/hubfs/The%20Compelling%20Case%20for%20Women%20and%20AP%20Text%20Only.png?width=200&height=136&name=The%20Compelling%20Case%20for%20Women%20and%20AP%20Text%20Only.png)[Auto portability](https://psn1.com/learning-center/about-auto-portability) will deliver broad-based benefits to America’s workforce, but research has shown that the new feature disproportionately benefits under-saved and underserved demographic segments, including minorities, women, lower-income and younger workers. [Read More](https://blog.rch1.com/blog/the-compelling-case-for-women-and-auto-portability) Nov 11 2024 ## [Dressing Up Traditional Automatic Rollovers](https://blog.rch1.com/blog/dressing-up-traditional-automatic-rollovers) ![WC\_ARO\_Landfill](https://blog.rch1.com/hs-fs/hubfs/WC_ARO_Landfill.png?width=200&height=127&name=WC_ARO_Landfill.png)Recently, we’ve read – mainly via paid promotions – about the existence of so-called “world-class” automatic rollover IRA services, which seem to be little more than [old-school, traditional automatic rollover IRAs](https://rch1.com/blog/the-truth-about-oldschool-automatic-rollovers) laying claim to unspecified, premium features. [Read More](https://blog.rch1.com/blog/dressing-up-traditional-automatic-rollovers) Oct 16 2024 ## [Leakage & Shrinkage: Two Brothers from the Same Mother](https://blog.rch1.com/blog/leakage-shrinkage-two-brothers-from-the-same-mother) ![Leakage and Shrinkage-1](https://blog.rch1.com/hs-fs/hubfs/Leakage%20and%20Shrinkage-1.png?width=200&height=117&name=Leakage%20and%20Shrinkage-1.png)With the release of Vanguard’s September 2024 study ([Job transitions slow retirement savings](https://digital-assets.vanguard.com/corp/research/pdf/job_transitions_slow_retirement_savings.pdf)), we can consider adding a new term – shrinkage – to the lexicon of retirement savings ills associated with America’s mobile workforce, taking its spot alongside its sibling, [cashout leakage](https://rch1.com/401k-cashout-leakage). [Read More](https://blog.rch1.com/blog/leakage-shrinkage-two-brothers-from-the-same-mother) Sep 11 2024 ## [Measuring the Value of Intensive Missing Participant Searches](https://blog.rch1.com/blog/measuring-the-value-of-intensive-missing-participant-searches) ![Inline Graphic - Measuring the Value](https://blog.rch1.com/hs-fs/hubfs/Inline%20Graphic%20-%20Measuring%20the%20Value.png?width=200&height=111&name=Inline%20Graphic%20-%20Measuring%20the%20Value.png)When it comes to [locating missing plan participants](https://blog.rch1.com/blog/the-fundamentals-of-locating-missing-participants), electronic searches or “[e-searches](https://rch1.com/blog/new-research-on-locating-missing-participants-augments-dol-guidance)” are an indispensable tool. While it’s been [proven](https://info.rch1.com/missing-participant-esearch-study) that e-searches can be highly effective, inevitably situations will arise where plan sponsors must do something more, and that typically involves performing a more intensive search, where [additional search resources are applied](https://rch1.com/blog/dialing-up-the-intensity-of-missing-participant-searches) to improve the quality of the search, over and above what an e-Search can deliver. [Read More](https://blog.rch1.com/blog/measuring-the-value-of-intensive-missing-participant-searches) Sep 05 2024 ## [Four Compelling Reasons for Plan Sponsors to Adopt Auto Portability](https://blog.rch1.com/blog/four-compelling-reasons-for-plan-sponsors-to-adopt-auto-portability) ![Four Countdown](https://blog.rch1.com/hs-fs/hubfs/Four%20Countdown.png?width=200&height=113&name=Four%20Countdown.png)In July, an article noted that the adoption of [auto portability](https://psn1.com/learning-center/about-auto-portability?__hstc=256942484.26549b4ce74d509172ce2c3087e096cf.1713203572133.1725555202160.1725557605320.124&__hssc=256942484.7.1725557605320&__hsfp=2901579814) was [picking up steam](https://rch1.com/blog/auto-portability-adoption-picks-up-steam) with thousands of plan sponsors already signing up for the service, delivered by the [Portability Service Network (PSN)](https://psn1.com/?__hstc=256942484.26549b4ce74d509172ce2c3087e096cf.1713203572133.1725555202160.1725557605320.124&__hssc=256942484.7.1725557605320&__hsfp=2901579814). As I write this around six weeks later, that figure continues to rise at a brisk pace. As PSN operations have commenced, and as the automated plan-to-plan consolidation of small balances begins, a familiar industry adoption pattern is emerging – where innovators within the plan sponsor community lead the charge and are quickly followed by others. For plan sponsors who are still considering adopting auto portability, here are four compelling reasons why you should move now to embrace the new plan feature. [Read More](https://blog.rch1.com/blog/four-compelling-reasons-for-plan-sponsors-to-adopt-auto-portability) Jul 17 2024 ## [Auto Portability Adoption Picks Up Steam](https://blog.rch1.com/blog/auto-portability-adoption-picks-up-steam) ![AP Adoption Picks Up Steam Blue Motion with Text](https://blog.rch1.com/hs-fs/hubfs/AP%20Adoption%20Picks%20Up%20Steam%20Blue%20Motion%20with%20Text.png?width=200&height=200&name=AP%20Adoption%20Picks%20Up%20Steam%20Blue%20Motion%20with%20Text.png)New retirement innovations, however compelling they may be, face their biggest challenge in surmounting the glacial pace of change that prevails in the retirement industry, where nothing comes easy. [Read More](https://blog.rch1.com/blog/auto-portability-adoption-picks-up-steam) Jun 17 2024 ## [Safe-Harbor IRAs Don’t Offer a Long-Term Saving Solution for Plan Participants](https://blog.rch1.com/blog/safe-harbor-iras-dont-offer-a-long-term-saving-solution-for-plan-participants) ![ebnimage\_crop](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage_crop.png?width=200&height=93&name=ebnimage_crop.png)During the past several years, much progress has been made to simplify the process of enabling defined contribution plan participants to transfer their savings from one plan to another when they [change jobs](https://www.benefitnews.com/advisers/opinion/job-hopping-a-challenge-to-portable-401k-retirement-benefits). These strides have been made thanks to an ongoing partnership between the private and public sectors, and between [Democrats and Republicans](https://www.benefitnews.com/opinion/auto-portability-is-and-always-will-be-a-bipartisan-solution) in Congress. In [November 2023](https://psn1.com/news/press-release-portability-services-network-launches-nations-first-solution-to-move-workers-retirement-savings-when-changing-jobs?__hstc=256942484.9bebe02c4f3c435c2e863d95ee3ee1b4.1717078500315.1718369171445.1718661567324.36&__hssc=256942484.9.1718661567324&__hsfp=742543691), we saw the launch of the Portability Services Network, with our nation’s leading retirement plan record-keepers—Alight Solutions, Empower, Fidelity Investments, Principal, TIAA, and Vanguard—on board as founding members. The Portability Services Network makes the digital [auto portability](https://www.benefitnews.com/advisers/opinion/auto-portability-helps-everybody-and-hurts-nobody) solution a reality for helping Americans keep their retirement savings invested in the system and working for them. [Read More](https://blog.rch1.com/blog/safe-harbor-iras-dont-offer-a-long-term-saving-solution-for-plan-participants) Feb 08 2024 ## [A More-Enlightened Approach to Uncashed Distribution Checks](https://blog.rch1.com/blog/a-more-enlightened-approach-to-uncashed-distribution-checks) ![A\_More-Enlightened\_Approach](https://blog.rch1.com/hs-fs/hubfs/A_More-Enlightened_Approach.png?width=200&height=153&name=A_More-Enlightened_Approach.png)No retirement plan sponsor likes the idea of dealing with [uncashed distribution checks](https://rch1.com/uncashed-distribution-checks), nor do they wish to draw unwanted regulatory attention or to become embroiled in costly litigation because of their uncashed check policies. Unfortunately, many plan sponsors place themselves in precisely that spot, becoming unnecessarily over-burdened with unresolved uncashed checks, while inviting unwanted regulatory scrutiny and/or legal challenges by embracing flawed uncashed check policies. A more-enlightened approach to managing the problem of uncashed checks seeks to minimize their numbers, while simultaneously steering clear of the “red flags” that could land them in hot water. [Read More](https://blog.rch1.com/blog/a-more-enlightened-approach-to-uncashed-distribution-checks) Dec 27 2023 ## [Four Key Findings from the New Auto Portability Simulation](https://blog.rch1.com/blog/four-key-findings-from-the-new-auto-portability-simulation) ![Morpheus](https://blog.rch1.com/hs-fs/hubfs/Morpheus.png?width=200&height=130&name=Morpheus.png)On the heels of the [11/7/23 announcement by the Portability Services Network](https://psn1.com/news/press-release-portability-services-network-launches-nations-first-solution-to-move-workers-retirement-savings-when-changing-jobs?__hstc=256942484.b66acedd9804c0b91fc1bd366d596cb8.1695997292860.1702486104922.1702492101322.86&__hssc=256942484.11.1702492101322&__hsfp=1342182235) that the industry-led consortium has launched its digital [auto portability](https://psn1.com/learning-center/about-auto-portability?__hstc=256942484.b66acedd9804c0b91fc1bd366d596cb8.1695997292860.1702486104922.1702492101322.86&__hssc=256942484.11.1702492101322&__hsfp=1342182235) solution powered by [Retirement Clearinghouse (RCH)](https://rch1.com/), RCH has made available the results from a new version of their Auto Portability Simulation (APS), a discrete event simulation that models the adoption of auto portability within America’s defined contribution system, over a 40-year period. [Read More](https://blog.rch1.com/blog/four-key-findings-from-the-new-auto-portability-simulation) Nov 29 2023 ## [Auto Portability: It’s About the Participants](https://blog.rch1.com/blog/auto-portability-its-about-the-participants) ![AP\_About\_the\_PPTs](https://blog.rch1.com/hs-fs/hubfs/AP_About_the_PPTs.png?width=200&height=135&name=AP_About_the_PPTs.png)It’s sometimes easy to forget a basic tenet about auto portability. Auto portability is about the participants. And not just any participants. Auto portability is about the participants who truly need it, and – according to multiple surveys – have expressed a strong preference for it. [Read More](https://blog.rch1.com/blog/auto-portability-its-about-the-participants) Page: [‹](https://blog.rch1.com/blog/topic/401k-consolidation/page/3) [2](https://blog.rch1.com/blog/topic/401k-consolidation/page/2) [3](https://blog.rch1.com/blog/topic/401k-consolidation/page/3) [4](https://blog.rch1.com/blog/topic/401k-consolidation/page/4) [5](https://blog.rch1.com/blog/topic/401k-consolidation/page/5) [6](https://blog.rch1.com/blog/topic/401k-consolidation/page/6) [›](https://blog.rch1.com/blog/topic/401k-consolidation/page/5) [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) - 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