--- title: RCH Consolidation Corner | 401k Consolidation (9) description: 401k Consolidation | Keep up to date on all of the latest industry news with RCH1 (9) --- [![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 (9) ### 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. --- 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 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) Feb 22 2019 ## [How Auto Portability Serves Participants’ Best Interests, Part 1: Dramatically Improved Participant Outcomes](https://blog.rch1.com/blog/how-auto-portability-serves-participants-best-interests-part-1-dramatically-improved-participant-outcomes) ![AP\_definition\_best\_interests](https://blog.rch1.com/hs-fs/hubfs/AP_definition_best_interests.png?width=200&name=AP_definition_best_interests.png)Plan sponsors considering the adoption of [auto portability](https://rch1.com/auto-portability) must determine that, by participating in the auto portability program, they are acting prudently and solely in the interests of their plan’s participants and beneficiaries. [Read More](https://blog.rch1.com/blog/how-auto-portability-serves-participants-best-interests-part-1-dramatically-improved-participant-outcomes) Jan 29 2019 ## [Want to Help Minority Participants Save More for Retirement? Adopt Auto Portability](https://blog.rch1.com/blog/want-to-help-minority-participants-save-more-for-retirement-adopt-auto-portability) ![From the Top Spencer Williams](https://blog.rch1.com/hs-fs/hubfs/Publications/RCH/FromTheTopv3-01.png?width=200&name=FromTheTopv3-01.png)Much has been written about America’s retirement-savings shortfall. Much has also been written about one of the major reasons for this shortfall—the lack of technology and operating standards to make [seamless plan-to-plan savings portability](https://www.benefitnews.com/opinion/why-retirement-portability-should-become-employers-next-big-focus) easy for America’s highly mobile workforce. The cumbersome and costly nature of [DIY portability](https://www.benefitnews.com/opinion/diy-plan-to-plan-portability-is-harder-than-you-think) has made prematurely cashing out small-balance 401(k) savings accounts, or stranding them in former employers’ plans, the easiest options for many participants after they change jobs. [Read More](https://blog.rch1.com/blog/want-to-help-minority-participants-save-more-for-retirement-adopt-auto-portability) Jan 22 2019 ## [Sidecar Accounts Can Plug Some 401(k) Leakage—But Not Most Leakage](https://blog.rch1.com/blog/sidecar-accounts-can-plug-some-401k-leakage-but-not-most-leakage) [![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/opinion/sidecar-accounts-can-help-plug-401k-retirement-leakage)“Not having enough emergency savings for unexpected expenses” is the No. 1 financial concern for Millennials and members of Generation X, and the No. 2 financial concern among Baby Boomers, after retirement security. These findings from a [PwC Employee Financial Wellness Survey](https://www.pwc.com/us/en/industries/private-company-services/library/financial-well-being-retirement-survey.html) released last year shouldn’t surprise members of the retirement services industry, since too many defined contribution plan participants dip into their 401(k) savings—through loans, hardship withdrawals, or cash-outs upon changing jobs—to fund emergency expenses. [Read More](https://blog.rch1.com/blog/sidecar-accounts-can-plug-some-401k-leakage-but-not-most-leakage) Dec 20 2018 ## [2018: A Great Year for Retirement Clearinghouse](https://blog.rch1.com/blog/2018-a-great-year-for-retirement-clearinghouse) ![2018\_Video](https://blog.rch1.com/hs-fs/hubfs/2018_Video.png?width=200&name=2018_Video.png)As we pause at the end of 2018 to count our blessing and to celebrate the Holidays, we at Retirement Clearinghouse (RCH) find ourselves grateful for a very successful year. [Read More](https://blog.rch1.com/blog/2018-a-great-year-for-retirement-clearinghouse) Nov 28 2018 ## [What is Auto Portability? It Depends on Who’s Asking.](https://blog.rch1.com/blog/what-is-auto-portability-it-depends-on-whos-asking) ![AP\_definition](https://blog.rch1.com/hs-fs/hubfs/AP_definition.png?width=200&name=AP_definition.png)With the announcement of the Department of Labor’s recent actions, auto portability has taken center stage in the retirement industry. While auto portability has been well-known to a relatively small group of industry insiders, its recent, widespread coverage in the media has many asking the question “what is auto portability?” With so many different -- and important -- perspectives on the matter, the best answer will depend on who’s asking the question.  [Read More](https://blog.rch1.com/blog/what-is-auto-portability-it-depends-on-whos-asking) Nov 26 2018 ## [Auto Portability is Like Bacon—It Makes Everything Better](https://blog.rch1.com/blog/auto-portability-is-like-bacon-it-makes-everything-better) ![Bacon](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Consolidation_Corner/Bacon_Sizzling.png?width=200&name=Bacon_Sizzling.png)When auto enrollment was widely adopted under the Pension Protection Act of 2006, it was a well-intentioned idea for helping Americans save more for retirement. But in this case, what seemed like the perfect recipe for increasing retirement savings for hardworking Americans was missing a key ingredient. [Read More](https://blog.rch1.com/blog/auto-portability-is-like-bacon-it-makes-everything-better) Page: [‹](https://blog.rch1.com/blog/topic/401k-consolidation/page/8) [7](https://blog.rch1.com/blog/topic/401k-consolidation/page/7) [8](https://blog.rch1.com/blog/topic/401k-consolidation/page/8) [9](https://blog.rch1.com/blog/topic/401k-consolidation/page/9) [10](https://blog.rch1.com/blog/topic/401k-consolidation/page/10) [11](https://blog.rch1.com/blog/topic/401k-consolidation/page/11) [›](https://blog.rch1.com/blog/topic/401k-consolidation/page/10) [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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