--- title: RCH Consolidation Corner | Auto Portability (3) description: Auto Portability | 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 # Auto Portability (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. --- Oct 06 2025 ## [A Trifecta of Solutions to Close America’s Retirement-Savings Gap](https://blog.rch1.com/blog/a-trifecta-of-solutions-to-close-americas-retirement-savings-gap) [![ebnimage\_crop](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage_crop.png?width=200&height=93&name=ebnimage_crop.png)](https://www.benefitnews.com/advisers/opinion/a-trifecta-of-solutions-to-close-the-retirement-savings-gap)Several factors, including the gender pay gap, the education and economic gaps in communities of color, and the lack of plan-to-plan retirement savings portability for job-changers, have led to a serious retirement savings deficit in the U.S. [Read More](https://blog.rch1.com/blog/a-trifecta-of-solutions-to-close-americas-retirement-savings-gap) Sep 15 2025 ## [Proof Positive: Retirement Savings Portability Works](https://blog.rch1.com/blog/proof-positive-retirement-savings-portability-works) ![Proof\_Positive\_Portability\_Works](https://blog.rch1.com/hs-fs/hubfs/Proof_Positive_Portability_Works.png?width=200&height=113&name=Proof_Positive_Portability_Works.png)For almost two decades, industry analysts, policymakers, and retirement advocates have warned about the corrosive effects of [401(k) cashout leakage](https://rch1.com/blog/spotlight-on-cashout-leakage-the-fundamentals). Every year, [billions of dollars](https://rch1.com/auto-portability/national-cash-out-clock) that should remain invested for retirement instead vanish from the system when participants change jobs. [Read More](https://blog.rch1.com/blog/proof-positive-retirement-savings-portability-works) Sep 02 2025 ## [Auto Portability: Meeting the Needs AND Wants of Participants](https://blog.rch1.com/blog/auto-portability-meeting-the-needs-and-wants-of-participants) ![Needs vs Wants](https://blog.rch1.com/hs-fs/hubfs/Needs%20vs%20Wants.png?width=200&height=116&name=Needs%20vs%20Wants.png)When American workers change jobs, the fate of their retirement savings is often left hanging in the balance – especially for those with smaller accounts of less than $7,000. Historically, this segment of retirement participants has faced an uphill battle, where complex transfer processes and the lure of “[sudden money](https://rch1.com/blog/sudden-money-and-preserving-401k-savings-dont-mix)” have frequently produced cashouts that undermined their long-term retirement security. But today, with the [continuing adoption of auto portability](https://psn1.com/plan-sponsors/auto-portability-adoption-tracker) via the [Portability Services Network](https://psn1.com/), the story is changing. [Read More](https://blog.rch1.com/blog/auto-portability-meeting-the-needs-and-wants-of-participants) Aug 15 2025 ## [The Triple Crown to Unlock Retirement Security for All](https://blog.rch1.com/blog/the-triple-crown-to-unlock-retirement-security-for-all) ![Retirement Savings Triple Crown](https://blog.rch1.com/hs-fs/hubfs/Retirement%20Savings%20Triple%20Crown.png?width=200&height=105&name=Retirement%20Savings%20Triple%20Crown.png)For too long, the promise of a secure retirement has eluded millions of hardworking Americans – particularly lower-income workers, women, and minorities. Despite the undeniable progress made through workplace retirement plans, the reality remains: a persistent retirement savings wealth gap threatens our nation’s most vulnerable populations. [Read More](https://blog.rch1.com/blog/the-triple-crown-to-unlock-retirement-security-for-all) Aug 08 2025 ## [New Research Shines Light on the Saver’s Match Program](https://blog.rch1.com/blog/new-research-shines-light-on-the-savers-match-program) ![SM Spotlight](https://blog.rch1.com/hs-fs/hubfs/SM%20Spotlight.jpg?width=200&height=171&name=SM%20Spotlight.jpg)In August 2025, two important research findings were released that build upon earlier analyses of the Saver’s Match program, scheduled to go live for the 2027 tax year. The two new research efforts – one by [Morningstar Retirement](https://www.morningstar.com/products/retirement-research-center/research) and the other by [Retirement Clearinghouse (RCH)](https://rch1.com/) – quantify overall Saver’s Match program benefits, and model the potential size, scale and operations of the program. [Read More](https://blog.rch1.com/blog/new-research-shines-light-on-the-savers-match-program) Jul 11 2025 ## [In Light of Evolving Regulations, What are Plans Sponsors’ Fiduciary Obligations with Regard to Account Consolidation?](https://blog.rch1.com/blog/in-light-of-evolving-regulations-what-are-plans-sponsors-fiduciary-obligations-with-regard-to-account-consolidation) [![FromTheTopv3-01](https://blog.rch1.com/hs-fs/hubfs/Publications/FromTheTopv3-01.png?width=200&height=150&name=FromTheTopv3-01.png)](https://www.benefitnews.com/advisers/opinion/explaining-fiduciary-obligations-for-401k-consolidation)*USA Today* made a splash [in early June 2025](https://www.usatoday.com/story/money/2025/06/03/lost-401k-ira-accounts-retirement-savings/83988593007/) with an article about the approximately $1.7 trillion languishing in lost or forgotten 401(k) accounts. The average unclaimed balance from these 401(k) accounts is $56,616. [Read More](https://blog.rch1.com/blog/in-light-of-evolving-regulations-what-are-plans-sponsors-fiduciary-obligations-with-regard-to-account-consolidation) Jun 26 2025 ## [Why Preserving Small Balances Matters (and How Auto Portability Helps)](https://blog.rch1.com/blog/why-preserving-small-balances-matters-and-how-auto-portability-helps) ![Why Preserving Small Balances Matters](https://blog.rch1.com/hs-fs/hubfs/Why%20Preserving%20Small%20Balances%20Matters.jpg?width=200&height=113&name=Why%20Preserving%20Small%20Balances%20Matters.jpg)The preservation of small-balance 401(k) accounts – particularly those under $7,000 and subject to 401(k) plans’ [automatic rollover](https://rch1.com/automatic-rollovers) provisions – represents an important challenge for America’s retirement system. When job-changing workers cash out or abandon these accounts in [dead-end safe harbor IRAs](https://rch1.com/blog/rch-consolidation-corner-channel-ep-15--shining-light-on-safe-harbor-iras), they lose not just immediate savings, but can forego decades of compounded growth – reducing their odds of a comfortable or timely retirement. [Read More](https://blog.rch1.com/blog/why-preserving-small-balances-matters-and-how-auto-portability-helps) Jun 13 2025 ## [Come On In, The Water’s Fine](https://blog.rch1.com/blog/come-on-in-the-waters-fine) ![The Waters Fine](https://blog.rch1.com/hs-fs/hubfs/The%20Waters%20Fine.jpg?width=200&height=121&name=The%20Waters%20Fine.jpg)Sometimes it seems, the universe sends you a signal that you haven’t been wasting your time. For me, one such signal arrived in the form of a [June 2nd, 2025 opinion piece](https://www.plansponsor.com/how-plan-sponsors-could-unknowingly-violate-erisa/) by PensionBee executive Helene O’Brien, as well as [industry reporting](https://401kspecialistmag.com/left-behind-401ks-could-cost-americans-tens-of-thousands/) on comments from CEO Romi Savova, both drawing attention to the participant-unfriendly nature of some safe harbor IRAs, which house the forced-out retirement savings of separated participants with balances less than $7,000. [Read More](https://blog.rch1.com/blog/come-on-in-the-waters-fine) Apr 30 2025 ## [Beyond Missing: Targeting Unresponsive Participants in Retirement Plans](https://blog.rch1.com/blog/beyond-missing-targeting-unresponsive-participants-in-retirement-plans) ![Beyond Missing Feature Image](https://blog.rch1.com/hs-fs/hubfs/Beyond%20Missing%20Feature%20Image.png?width=200&height=145&name=Beyond%20Missing%20Feature%20Image.png)In the retirement plan industry, we frequently discuss the challenges posed by [missing participants](https://rch1.com/missing-participants) – those former employees with outdated contact information. However, a related phenomenon often receives less attention: unresponsive participants. [Read More](https://blog.rch1.com/blog/beyond-missing-targeting-unresponsive-participants-in-retirement-plans) Mar 31 2025 ## [Three Steps to Getting Off the Uncashed Distribution Check Treadmill](https://blog.rch1.com/blog/three-steps-to-getting-off-the-uncashed-distribution-check-treadmill) ![The Uncashed Check Treadmill](https://blog.rch1.com/hs-fs/hubfs/The%20Uncashed%20Check%20Treadmill.jpg?width=200&height=150&name=The%20Uncashed%20Check%20Treadmill.jpg)If you’re a defined contribution plan sponsor struggling with [uncashed distribution checks](https://rch1.com/uncashed-distribution-checks), it can feel you’re on a never-ending treadmill. [Read More](https://blog.rch1.com/blog/three-steps-to-getting-off-the-uncashed-distribution-check-treadmill) Page: [‹](https://blog.rch1.com/blog/topic/auto-portability/page/2) [1](https://blog.rch1.com/blog) [2](https://blog.rch1.com/blog/topic/auto-portability/page/2) [3](https://blog.rch1.com/blog/topic/auto-portability/page/3) [4](https://blog.rch1.com/blog/topic/auto-portability/page/4) [5](https://blog.rch1.com/blog/topic/auto-portability/page/5) [›](https://blog.rch1.com/blog/topic/auto-portability/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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