--- title: RCH Consolidation Corner | America's Mobile Workforce description: America's Mobile Workforce | Keep up to date on all of the latest industry news with RCH1 --- [![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 # America's Mobile Workforce ### 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. --- Oct 12 2026 ## [PBGC Report Points to a Retirement System Solution that Already Exists](https://blog.rch1.com/blog/pbgc-report-points-to-a-retirement-system-solution-that-already-exists) ![PBGC Report Points to Private Sector - Inline](https://blog.rch1.com/hs-fs/hubfs/PBGC%20Report%20Points%20to%20Private%20Sector%20-%20Inline.png?width=200&height=153&name=PBGC%20Report%20Points%20to%20Private%20Sector%20-%20Inline.png)The Pension Benefit Guaranty Corporation’s September 2026 report, [Feasibility of Expanding PBGC’s Missing Participants Program](https://www.pbgc.gov/sites/default/files/documents/report-feasibility-expanding-missing-participants-program.pdf), deserves considerable praise for both the rigor of its analysis and the clarity of its conclusions. [Read More](https://blog.rch1.com/blog/pbgc-report-points-to-a-retirement-system-solution-that-already-exists) Sep 01 2026 ## [A Step Forward, But Will Standardized Forms Fix Retirement System Fragmentation?](https://blog.rch1.com/blog/a-step-forward-but-will-standardized-forms-fix-retirement-system-fragmentation) ![Fixing Retirement System Fragmentation](https://blog.rch1.com/hs-fs/hubfs/Fixing%20Retirement%20System%20Fragmentation.png?width=200&height=144&name=Fixing%20Retirement%20System%20Fragmentation.png)The Treasury Department and the IRS deserve significant credit for their efforts in issuing [IRS Notice 2026-49](https://www.irs.gov/pub/irs-drop/n-26-49.pdf). Their proposal attempts to address one of the retirement system's longest-standing operational weaknesses: the cumbersome, inconsistent, and often frustrating process of moving retirement savings when workers change jobs. By proposing standardized forms and a common rollover workflow, the agencies have acknowledged what participants, plan sponsors, and service providers have known for years: [plan-to-plan retirement transfers remain unnecessarily difficult](https://rch1.com/blog/diy-plan-to-plan-portability-is-harder-than-you-think). [Read More](https://blog.rch1.com/blog/a-step-forward-but-will-standardized-forms-fix-retirement-system-fragmentation) Aug 17 2026 ## [Plan Churn: The Hidden Threat to a Mobile Workforce’s Retirement Savings](https://blog.rch1.com/blog/plan-churn-the-hidden-threat-to-a-mobile-workforces-retirement-savings) ![Plan Churn](https://blog.rch1.com/hs-fs/hubfs/Plan%20Churn.jpg?width=200&height=133&name=Plan%20Churn.jpg)America’s mobile workforce just can’t seem to get a break from our defined contribution retirement system. Faced with numerous job changes over the course of a career, a fragmented retirement system that makes cashing out easy and moving retirement savings forward difficult, plan participants must also contend with another, largely overlooked problem: plan churn. [Read More](https://blog.rch1.com/blog/plan-churn-the-hidden-threat-to-a-mobile-workforces-retirement-savings) Aug 12 2026 ## [The Recordkeeper Case for Auto Portability](https://blog.rch1.com/blog/the-recordkeeper-case-for-auto-portability) ![The RKer Case for Auto Portability](https://blog.rch1.com/hs-fs/hubfs/The%20RKer%20Case%20for%20Auto%20Portability.png?width=200&height=113&name=The%20RKer%20Case%20for%20Auto%20Portability.png)[Auto portability](https://psn1.com/learning-center/about-auto-portability) represents a fundamental evolution in how defined contribution systems operate. Delivered via the recordkeeper-led [Portability Services Network (PSN)](https://psn1.com/)and powered by [Retirement Clearinghouse (RCH)](https://rch1.com/) technology, it transforms inefficient, standalone automatic rollover processes into a standardized, automated, digital ecosystem that preserves small-balance retirement savings within the plan recordkeeping framework. [Read More](https://blog.rch1.com/blog/the-recordkeeper-case-for-auto-portability) Jul 24 2026 ## [The Participant Case for Auto Portability](https://blog.rch1.com/blog/the-participant-case-for-auto-portability) ![The PPT Case for AP](https://blog.rch1.com/hs-fs/hubfs/The%20PPT%20Case%20for%20AP.png?width=200&height=133&name=The%20PPT%20Case%20for%20AP.png)Today’s workforce is more mobile than ever – but their retirement savings shouldn’t be left behind. Each time workers change jobs, they face an important decision: what to do with their retirement account. For many – especially those with smaller balances – this moment often leads to costly mistakes, including cashing out savings early, or winding up in a dead-end safe harbor IRA that charges excessive fees and is invested in low-yielding default investment funds. [Auto portability](https://psn1.com/learning-center/about-auto-portability) changes that. [Read More](https://blog.rch1.com/blog/the-participant-case-for-auto-portability) Jun 02 2026 ## [The Plan Sponsor Case for Auto Portability](https://blog.rch1.com/blog/the-plan-sponsor-case-for-auto-portability) ![Sponsors\_Case\_For\_AP\_Smaller](https://blog.rch1.com/hs-fs/hubfs/Sponsors_Case_For_AP_Smaller.png?width=200&height=133&name=Sponsors_Case_For_AP_Smaller.png)Are you a plan sponsor and want some good reasons why you should adopt auto portability? Here are seven: [Read More](https://blog.rch1.com/blog/the-plan-sponsor-case-for-auto-portability) May 18 2026 ## [Retirement Savings Portability – An Idea Whose Time Has (Finally) Come](https://blog.rch1.com/blog/retirement-savings-portability-an-idea-whose-time-has-finally-come) ![RSP Idea Whose Time Has Come](https://blog.rch1.com/hs-fs/hubfs/RSP%20Idea%20Whose%20Time%20Has%20Come.png?width=200&height=114&name=RSP%20Idea%20Whose%20Time%20Has%20Come.png)For decades, America’s retirement system has struggled with a fundamental mismatch: a system designed around stable, long-term employment serves a workforce defined by mobility and frequent job changes. The result is a fragmented, “leaky” system – one that allows trillions of dollars in retirement savings to slip away through cashouts, inefficiencies, and left-behind accounts.  [Read More](https://blog.rch1.com/blog/retirement-savings-portability-an-idea-whose-time-has-finally-come) Apr 22 2026 ## [Larger 401(k) Plans Embrace Auto Portability as Due Diligence Drives Confidence](https://blog.rch1.com/blog/larger-401k-plans-embrace-auto-portability-as-due-diligence-drives-confidence) ![Larger 401k Plans Embrace AP](https://blog.rch1.com/hs-fs/hubfs/Larger%20401k%20Plans%20Embrace%20AP.png?width=200&height=133&name=Larger%20401k%20Plans%20Embrace%20AP.png)Since late 2023, when [auto portability](https://psn1.com/learning-center/about-auto-portability) – as delivered via the [Portability Services Network (PSN)](https://psn1.com/) – became operational, the new plan feature has been steadily working its way from an innovative concept into a core best practice for addressing the chronic problem of [retirement plan cashout leakage](https://rch1.com/blog/topic/cashout-leakage). [Read More](https://blog.rch1.com/blog/larger-401k-plans-embrace-auto-portability-as-due-diligence-drives-confidence) Apr 17 2026 ## [On Earth Day, Consider Auto Portability to ‘Recycle’ 401(k) Savings](https://blog.rch1.com/blog/on-earth-day-consider-auto-portability-to-recycle-401k-savings) ![Earth Day Recycling 2025](https://blog.rch1.com/hs-fs/hubfs/Earth%20Day%20Recycling%202025.jpg?width=200&height=136&name=Earth%20Day%20Recycling%202025.jpg)April 22 marks the [56th Earth Day](https://www.earthday.org/earth-day-2026), a time to reflect on our relationship with the environment and the progress made in reducing waste through recycling. While society has made strides in curbing physical waste, a similar problem persists in the U.S. retirement system: the inefficient handling of 401(k) accounts when employees change jobs. [Read More](https://blog.rch1.com/blog/on-earth-day-consider-auto-portability-to-recycle-401k-savings) Apr 13 2026 ## [Modeling the Future of the Saver's Match Program](https://blog.rch1.com/blog/modeling-the-future-of-the-savers-match-program) ![modeling\_the\_future\_of\_the\_savers\_match\_program](https://blog.rch1.com/hs-fs/hubfs/modeling_the_future_of_the_savers_match_program.png?width=200&height=133&name=modeling_the_future_of_the_savers_match_program.png)As the [Saver’s Match Program](https://rch1.com/savers-match) must soon transition from legislative concept to operational reality, one question looms larger than any other: ​​*How will the Program operate at scale, in the real world, across tens of millions of people annually, thousands of institutions, and billions of federal dollars?* [Read More](https://blog.rch1.com/blog/modeling-the-future-of-the-savers-match-program) Page: ‹ [1](https://blog.rch1.com/blog) [2](https://blog.rch1.com/blog/topic/americas-mobile-workforce/page/2) [3](https://blog.rch1.com/blog/topic/americas-mobile-workforce/page/3) [4](https://blog.rch1.com/blog/topic/americas-mobile-workforce/page/4) [5](https://blog.rch1.com/blog/topic/americas-mobile-workforce/page/5) [›](https://blog.rch1.com/blog/topic/americas-mobile-workforce/page/2) [Tweets by @RCHConsolidate](https://twitter.com/RCHConsolidate) - 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