--- title: RCH Consolidation Corner | America's Mobile Workforce (7) description: America's Mobile Workforce | 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 # America's Mobile Workforce (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. --- Sep 18 2017 ## [The Explosion of Small 401(k) Accounts](https://blog.rch1.com/blog/the-massive-explosion-of-small-401k-accounts) ![Small 401K Account Problems](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/small401kaccountexplosionSM.png?width=200&name=small401kaccountexplosionSM.png "Small 401K Account Problems")It’s generally accepted that the small-balance accounts of terminated 401(k) plan participants have been a problem for plan sponsors, resulting in increased plan costs, fiduciary risk and other ancillary problems, such as missing participants and uncashed distribution checks. Now, based on new information from EBRI and other sources, we’re learning that small accounts are a large and growing problem for active participants as well. [Read More](https://blog.rch1.com/blog/the-massive-explosion-of-small-401k-accounts) Aug 22 2017 ## [Five Ways to Make Retirement Savings Portability a Priority in 2018](https://blog.rch1.com/blog/five-ways-to-make-retirement-savings-portability-a-priority-in-2018) ![2018 Calendar](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/2018%20Calendar.png?width=200&name=2018%20Calendar.png "2018 Calendar")It’s become widely-accepted that retirement savings portability is proven to address the [small account problem](https://blog.rch1.com/blog/small-accounts-the-root-of-many-problems) for 401(k) plan sponsors, as well as preserve participants’ savings currently lost to [cashout leakage](https://blog.rch1.com/blog/the-fundamentals-of-401k-cashout-leakage). However, the concept of retirement savings portability is relatively new. At year’s end, most plan sponsors’ attention will be focused on other plan design issues, such as auto enrollment/escalation, the lineup of investment options, enrollment, education, retirement income solutions and so forth.  [Read More](https://blog.rch1.com/blog/five-ways-to-make-retirement-savings-portability-a-priority-in-2018) Jul 20 2017 ## [Washington Recognizes Need for Retirement Plan Portability Solutions – Part 2](https://blog.rch1.com/blog/washington-recognizes-need-for-retirement-plan-portability-solutions-part-2) ![Capitol Hill Historic DC District Independence Ave Street Sign](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/Capitol_Hill_HD_sign_at_500_Independence_Ave_SE_-_Washington_DC.jpg?width=200&name=Capitol_Hill_HD_sign_at_500_Independence_Ave_SE_-_Washington_DC.jpg "Capitol Hill Historic DC District Independence Ave Street Sign")In January 2016, this blog published [a post](https://blog.rch1.com/blog/washington-recognizes-retirement-plan-portability-frictions-need-for-solutions) on the November 2015 [letter](https://www.help.senate.gov/ranking/newsroom/press/murray-leads-bicameral-letter-urging-guidance-on-innovations-to-help-workers-retain-retirement-savings-between-jobs) from Senator Patty Murray (D–WA) of the Senate HELP committee, signed by a bicameral group of Congressional members, urging then Department of Labor (DOL) Secretary Thomas Perez to encourage the DOL’s Employee Benefits Security Administration to issue guidance on [auto portability](https://www.rch1.com/auto-portability). [Read More](https://blog.rch1.com/blog/washington-recognizes-need-for-retirement-plan-portability-solutions-part-2) Jun 08 2017 ## [Auto Portability: Who Will Benefit?](https://blog.rch1.com/blog/auto-portability-who-will-benefit) ![Auto Portability Benefits](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/AP_Benefits.png?width=200&name=AP_Benefits.png "Auto Portability Benefits")[Auto Portability](http://www.rch1.com/auto-portability) is the routine, standardized and automated movement of an inactive participant’s retirement account from a former employer’s retirement plan to their active account in a new employer’s plan. By dramatically reducing cashouts and improving retirement readiness, Auto Portability will deliver broad benefits to America’s defined contribution system, its participants and to the entire American economy. But who benefits from Auto Portability, and how?  [Read More](https://blog.rch1.com/blog/auto-portability-who-will-benefit) Jun 01 2017 ## [The Fundamentals of 401(k) Cashout Leakage](https://blog.rch1.com/blog/the-fundamentals-of-401k-cashout-leakage) **![The Fundamentals of 401(k) Cashout Leakage video](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/Cashout_Leakage_Dam.png?width=200&name=Cashout_Leakage_Dam.png "The Fundamentals of 401(k) Cashout Leakage video")How Big is the 401(k) Cashout Leakage Problem?**  We’ve known for some years now that 401(k) cashout leakage is a very big problem, but have lacked a thorough understanding of its many dimensions.  [Read More](https://blog.rch1.com/blog/the-fundamentals-of-401k-cashout-leakage) May 12 2017 ## [Announcing the National Retirement Savings Cash Out Clock](https://blog.rch1.com/blog/rch-announces-the-national-cashout-clock) ![National Retierement Savings Cash Out Clock](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Consolidation_Corner/Cashout_Clock_Billboard_Outdoors.png?width=200&name=Cashout_Clock_Billboard_Outdoors.png "National Retierement Savings Cash Out Clock")In 1989, New York real estate developer Seymour Durst wanted to highlight America’s rising national debt, and came up with an idea: the [National Debt Clock](https://en.wikipedia.org/wiki/National_Debt_Clock). Since then, the National Debt Clock has had a physical presence as a billboard near Times Square, serving as a constant reminder to Americans of their government’s ever-growing debt.  [Read More](https://blog.rch1.com/blog/rch-announces-the-national-cashout-clock) May 04 2017 ## [80th EBRI Policy Forum to Address Key Retirement Policy Issues](https://blog.rch1.com/blog/80th-ebri-policy-forum-to-address-key-retirement-policy-issues) ![Employee Benefit Research Insititute EBRI](https://blog.rch1.com/hs-fs/hubfs/Publications/EBRI/ebri-r-org_logo_2c.png?width=200&name=ebri-r-org_logo_2c.png "Employee Benefit Research Insititute EBRI")On Thursday, May 11th, the [Employee Benefit Research Institute (EBRI)](http://www.ebri.org) will conduct their 80th Policy Forum, sponsored by the EBRI Education and Research Fund (ERF). Hosted at the [20 F Street, NW Conference Center](https://www.google.com/maps/place/20+F+St+NW+%231000,+Washington,+DC+20001/@38.8969335,-77.0121456,17z/data=!3m1!4b1!4m5!3m4!1s0x89b7b8275df34d1f:0xb34f6b28ec78e76b!8m2!3d38.8969293!4d-77.0099516), the Forum is scheduled from 8:30am to 12:30pm. [Read More](https://blog.rch1.com/blog/80th-ebri-policy-forum-to-address-key-retirement-policy-issues) Apr 24 2017 ## [Why America’s Retirement Savings Needs Recycling](https://blog.rch1.com/blog/why-americas-retirement-savings-needs-recycling) ![Earth Day Preserve Retirement Stop Cash Outs](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/Earth_Day_Stop_Cashouts.png?width=200&name=Earth_Day_Stop_Cashouts.png "Earth Day Preserve Retirement Stop Cash Outs")As we marked the 47th annual [Earth Day](http://www.earthday.org)on April 22nd, we were once again reminded of the need to protect our environment. This heightened awareness is testament to how far Americans have come in both recognizing and curbing the wasteful, destructive behaviors that emerged in the decades following World War II. Those excesses have given rise to conservation and environmentalism, and were heralded by the first Earth Day in 1970.  [Read More](https://blog.rch1.com/blog/why-americas-retirement-savings-needs-recycling) Mar 30 2017 ## [The African-American Retirement Crisis: How Auto Portability Can Help](https://blog.rch1.com/blog/african-american-retirement-crisis-how-auto-portability-can-help) ![The African-American Retirement Crisis: How Auto Portability Can Help](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/AA_Retirement_Crisis.png?width=200&name=AA_Retirement_Crisis.png "The African-American Retirement Crisis: How Auto Portability Can Help")Today, many Americans are hard-pressed to set aside enough savings for a timely or comfortable retirement.   The factors most-often cited as driving the coming “retirement crisis” include longer life expectancies, rising healthcare costs and stagnant incomes. The African-American community faces these same challenges plus other economic headwinds, but with larger hurdles to overcome to secure a comfortable retirement. [Read More](https://blog.rch1.com/blog/african-american-retirement-crisis-how-auto-portability-can-help) Mar 23 2017 ## [March 30th Washington DC Forum to Showcase Retirement Plan Portability & Public Policy](https://blog.rch1.com/blog/march-30th-washington-dc-forum-to-showcase-retirement-plan-portability-public-policy) ![Portability Event Sponsors - EBRI, FSR, WISER](https://blog.rch1.com/hs-fs/hubfs/Event_Images/FSR/portability-event-sponsors-square.png?width=200&name=portability-event-sponsors-square.png "Portability Event Sponsors - EBRI, FSR, WISER")An upcoming event in Washington, DC, to be held on March 30th and hosted by the [Financial Services Roundtable](http://fsroundtable.org/), promises to be both highly-interesting and informative, addressing the very latest in retirement plan portability research and development. The event, [Retirement Plan Portability & Public Policy: Unlocking the potential in portability](https://bpi.com/), will take place at the Financial Services Roundtable’s headquarters \[[map](https://www.google.com/maps/place/Financial+Services+Roundtable/@38.8977917,-77.0299503,15z/data=!4m2!3m1!1s0x0:0xf638889e5e1c3c88?sa=X&ved=0ahUKEwjcycL9jevSAhWDSCYKHRPxDVsQ_BIIazAN)\] from 10:30 a.m. to Noon, and is free to attend. Click [here](https://blog.rch1.com/hubfs/Event_Images/FSR/Portability_Forum_Agenda_031917.pdf) to view a full agenda.  [Read More](https://blog.rch1.com/blog/march-30th-washington-dc-forum-to-showcase-retirement-plan-portability-public-policy) Page: [‹](https://blog.rch1.com/blog/topic/americas-mobile-workforce/page/6) [4](https://blog.rch1.com/blog/topic/americas-mobile-workforce/page/4) [5](https://blog.rch1.com/blog/topic/americas-mobile-workforce/page/5) [6](https://blog.rch1.com/blog/topic/americas-mobile-workforce/page/6) [7](https://blog.rch1.com/blog/topic/americas-mobile-workforce/page/7) [8](https://blog.rch1.com/blog/topic/americas-mobile-workforce/page/8) [›](https://blog.rch1.com/blog/topic/americas-mobile-workforce/page/8) [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) - 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