--- title: RCH Consolidation Corner | America's Mobile Workforce (3) description: America's Mobile Workforce | Keep up to date on all of the latest industry news with RCH1 (3) --- [![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 (3) ### 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. --- 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) Dec 20 2023 ## [Auto Portability is Poised to Make an Even Bigger Impact in 2024](https://blog.rch1.com/blog/the-institutionalization-of-portability-is-key-to-reducing-cash-out-leakage-0) [![Employee Benefit News Logo](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage.jpg?width=200&name=ebnimage.jpg)](https://www.benefitnews.com/advisers/opinion/for-retirement-plans-auto-portability-is-poised-to-make-an-impact-in-2024)On the last day of 2023, a key provision of the [SECURE 2.0 Act](https://www.benefitnews.com/advisers/opinion/automated-portability-can-preserve-retirement-readiness-and-401k-balances)—increasing the limit on small 401(k) accounts subject to automatic rollovers into safe-harbor IRAs from $5,000 to $7,000—went into effect. [Read More](https://blog.rch1.com/blog/the-institutionalization-of-portability-is-key-to-reducing-cash-out-leakage-0) 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) May 05 2022 ## [Addressing the Achilles’ Heel of Auto IRA Programs](https://blog.rch1.com/blog/addressing-the-achilles-heel-of-auto-ira-programs) ![Addressing the Achilles Heel of Auto IRA Programs](https://blog.rch1.com/hs-fs/hubfs/Addressing%20the%20Achilles%20Heel%20of%20Auto%20IRA%20Programs.png?width=200&name=Addressing%20the%20Achilles%20Heel%20of%20Auto%20IRA%20Programs.png)I’m convinced that Auto IRA programs, despite their potential size and strength, suffer from an obvious Achilles’ heel: a lack of retirement savings portability.   Without addressing their portability problem, Auto IRA programs could expand, but may never reach their full potential, housing large numbers of churning, small-balance accounts. However, with adequate support for portability both into and out of these programs, they could dramatically increase the odds that they deliver on their promise of building incremental retirement wealth for millions of Americans. [Read More](https://blog.rch1.com/blog/addressing-the-achilles-heel-of-auto-ira-programs) Mar 30 2022 ## [Auto Portability’s Key Role Featured in U.S. Senate HELP Committee Hearing](https://blog.rch1.com/blog/auto-portabilitys-key-role-featured-in-u.s.-senate-help-committee-hearing) ![Senate HELP Logo](https://blog.rch1.com/hs-fs/hubfs/Senate%20HELP%20Logo.png?width=225&name=Senate%20HELP%20Logo.png)A 03/29/22 hearing by the [U.S. Senate Committee on Health, Education, Labor & Pensions](https://www.help.senate.gov/) (HELP), [*Rise and Shine: Improving Retirement and Enhancing Savings*](https://www.help.senate.gov/hearings/rise-and-shine-improving-retirement-and-enhancing-savings), focused on solutions that would enhance retirement security for Americans, particularly those who are under-served and under-saved.   [Read More](https://blog.rch1.com/blog/auto-portabilitys-key-role-featured-in-u.s.-senate-help-committee-hearing) Jan 25 2022 ## [The ‘Great Resignation’ Screams for Improved Retirement-Savings Portability](https://blog.rch1.com/blog/the-great-resignation-screams-for-improved-retirement-savings-portability) [![ebnimage](https://blog.rch1.com/hs-fs/hubfs/ebnimage.jpg?width=200&name=ebnimage.jpg)](https://www.benefitnews.com/advisers/opinion/the-great-resignation-has-made-retirement-portability-vital)COVID-19 has altered so much in our nation, and our world, over the past two years. Many of us learned to stop and smell the roses during lockdowns, and count our blessings, especially health and family. For those who were fortunate enough to remain employed full-time during the pandemic and could work remotely, videoconferencing tools like Zoom and Microsoft Teams suddenly became indispensable for conferring with colleagues and customers. [Read More](https://blog.rch1.com/blog/the-great-resignation-screams-for-improved-retirement-savings-portability) Jan 17 2022 ## [Robert L. Johnson, Chairman of the Board and Largest Shareholder of Retirement Clearinghouse, Secures Endorsement of Two Civil Rights Organizations for Auto Portability](https://blog.rch1.com/blog/robert-l.-johnson-chairman-of-board-and-largest-shareholder-of-retirement-clearinghouse-secures-endorsement-of-two-civil-rights-organizations-for-auto-portability) ![NAACP and NUL Endorsements](https://blog.rch1.com/hs-fs/hubfs/NAACP%20and%20NUL%20Endorsements.png?width=225&name=NAACP%20and%20NUL%20Endorsements.png)Robert L. Johnson, Founder and Chairman of [The RLJ Companies](https://rljcompanies.com) and Chairman of the Board and largest shareholder of [Retirement Clearinghouse (RCH)](https://rch1.com), has secured endorsements for [auto portability](https://rch1.com/auto-portability) from two premier civil rights organizations – the [National Urban League](https://nul.org), and the [National Association for the Advancement of Colored People (NAACP)](https://naacp.org) – both with over a century of experience advocating for solutions that address the inequities and economic challenges experienced by Black Americans and by other communities of color. [Read More](https://blog.rch1.com/blog/robert-l.-johnson-chairman-of-board-and-largest-shareholder-of-retirement-clearinghouse-secures-endorsement-of-two-civil-rights-organizations-for-auto-portability) May 17 2021 ## [Leakage and Auto Portability Featured at Senate HELP Committee Hearing](https://blog.rch1.com/blog/leakage-and-auto-portability-featured-at-senate-help-committee-hearing) ![Senate\_HELP\_RSP](https://blog.rch1.com/hs-fs/hubfs/Senate_HELP_RSP.png?width=200&name=Senate_HELP_RSP.png)On May 13, 2021, the [U.S. Senate’s Committee on Health, Education, Labor and Pensions](https://www.help.senate.gov/) (HELP) held its first [hearing on retirement security](https://www.help.senate.gov/hearings/retirement-security-building-a-better-future) since 2013. With testimony from a blue-ribbon panel of witnesses, the hearing had a broad focus, but the topic of retirement savings leakage, and its most-promising solution, [auto portability](https://rch1.com/auto-portability), were prominently featured. [Read More](https://blog.rch1.com/blog/leakage-and-auto-portability-featured-at-senate-help-committee-hearing) May 12 2021 ## [A Big Problem: Another Leakage Study Reaches the Same Conclusion](https://blog.rch1.com/blog/a-big-problem-another-leakage-study-reaches-the-same-conclusion) ![Cashout\_Leakage\_Dam](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/Cashout_Leakage_Dam.png?width=200&name=Cashout_Leakage_Dam.png)Arriving with little fanfare, a recent study prepared by the Staff of the [Joint Committee on Taxation](https://www.jct.gov/), a nonpartisan committee of the United States Congress, confirms the findings of earlier research on cashout leakage – namely, that cashout leakage is a big problem, is driven by job changing, and is exacerbated by "forced distributions and \[a lack of\] portability of plans.” [Read More](https://blog.rch1.com/blog/a-big-problem-another-leakage-study-reaches-the-same-conclusion) 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) Page: [‹](https://blog.rch1.com/blog/topic/americas-mobile-workforce/page/2) [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/4) [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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[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) [![Retirement Clearinghouse An RLJ Company](https://blog.rch1.com/hs-fs/hubfs/raw_assets/public/Retirement_Clearinghouse_May2022/images/footer_logo.png?width=1000&height=648&name=footer_logo.png "Retirement Clearinghouse An RLJ Company")](https://rch1.com/) 1916 Ayrsley Town Boulevard Suite 200 Charlotte, NC 28273 - [Individuals](https://rch1.com/individuals) - [Plan Sponsors](https://rch1.com/plan-sponsors) - [Auto Portability](https://rch1.com/auto-portability) - [Company](https://rch1.com/company) - [News & Information](https://rch1.com/news) - [Mission](https://rch1.com/company/mission) - [Careers](https://rch1.com/company/careers) - [Contact Us](https://rch1.com/contact-us) - [Logins](https://rch1.com/#) - [Disclosure Central](https://rch1.com/individuals/learning-center/resources-%26-downloads) - [Do Not Sell or Share](https://blog.rch1.com/blog/topic/americas-mobile-workforce/page/3#decline-cookies) - [My Personal Information](https://blog.rch1.com/blog/topic/americas-mobile-workforce/page/3#decline-cookies) - - - Individuals should consult their tax advisers or legal counsel for advice and information concerning their particular situation. Retirement Clearinghouse does not give legal, investment, or tax advice. IRA account fees and product information provided by Retirement Clearinghouse, LLC is subject to change without notice at the discretion of the IRA Provider. RCH Shareholder Services is a wholly owned subsidiary of Retirement Clearinghouse, LLC and a registered transfer agent with the U.S. Securities and Exchange Commission. © 2026 Retirement Clearinghouse, LLC. This site is directed at, and made available to, persons in the U.S. and Puerto Rico. [Sitemap](https://rch1.com/sitemap)