--- title: RCH Consolidation Corner | Auto Portability (4) description: Auto Portability | Keep up to date on all of the latest industry news with RCH1 (4) --- [![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 (4) ### 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. --- Mar 03 2025 ## [Here’s to the Future “Graduates” of Auto Portability](https://blog.rch1.com/blog/heres-to-the-future-graduates-of-auto-portability) ![AP Graduatesv2](https://blog.rch1.com/hs-fs/hubfs/AP%20Graduatesv2.jpg?width=200&height=144&name=AP%20Graduatesv2.jpg)[Auto portability](https://psn1.com/learning-center/about-auto-portability), delivered via the [Portability Services Network (PSN)](https://psn1.com/), is revolutionizing retirement savings preservation by addressing the critical challenges of cashout leakage and account fragmentation.   [Read More](https://blog.rch1.com/blog/heres-to-the-future-graduates-of-auto-portability) Feb 10 2025 ## [The Saver's Match and Auto Portability: A Powerful Combination](https://blog.rch1.com/blog/the-savers-match-and-auto-portability-a-powerful-combination) ![SM and AP Featured Image](https://blog.rch1.com/hs-fs/hubfs/SM%20and%20AP%20Featured%20Image.png?width=200&height=134&name=SM%20and%20AP%20Featured%20Image.png)As America’s retirement savings landscape evolves, two groundbreaking initiatives could be poised to converge, potentially revolutionizing the way Americans save for retirement. ​​The [Saver's Match program](https://rch1.com/savers-match), set to debut with the 2027 tax year, and [auto portability](https://psn1.com/learning-center/about-auto-portability), powered by the [Portability Services Network (PSN)](https://psn1.com/), present a unique opportunity to address long-standing challenges in the retirement system. By leveraging the strengths of both programs, we can create a more robust and efficient retirement savings ecosystem that benefits millions of American workers. [Read More](https://blog.rch1.com/blog/the-savers-match-and-auto-portability-a-powerful-combination) Jan 30 2025 ## [The Accelerating Adoption of Auto Portability: A Market Adoption Theory Perspective](https://blog.rch1.com/blog/the-accelerating-adoption-of-auto-portability-a-market-adoption-theory-perspective) ![Accelerating Adoption Banner](https://blog.rch1.com/hs-fs/hubfs/Accelerating%20Adoption%20Banner.jpg?width=200&height=140&name=Accelerating%20Adoption%20Banner.jpg)In the world of retirement savings, [auto portability](https://psn1.com/learning-center/about-auto-portability) has emerged as a transformative solution designed to address the [persistent problem of cashout leakage](https://rch1.com/blog/the-new-urgency-for-mitigating-401k-account-cashouts) – when employees cash out their retirement savings upon changing jobs, rather than moving their savings forward into their new employer-sponsored plan. [Read More](https://blog.rch1.com/blog/the-accelerating-adoption-of-auto-portability-a-market-adoption-theory-perspective) Jan 06 2025 ## [The Compelling Case for Women and Auto Portability](https://blog.rch1.com/blog/the-compelling-case-for-women-and-auto-portability) ![The Compelling Case for Women and AP Text Only](https://blog.rch1.com/hs-fs/hubfs/The%20Compelling%20Case%20for%20Women%20and%20AP%20Text%20Only.png?width=200&height=136&name=The%20Compelling%20Case%20for%20Women%20and%20AP%20Text%20Only.png)[Auto portability](https://psn1.com/learning-center/about-auto-portability) will deliver broad-based benefits to America’s workforce, but research has shown that the new feature disproportionately benefits under-saved and underserved demographic segments, including minorities, women, lower-income and younger workers. [Read More](https://blog.rch1.com/blog/the-compelling-case-for-women-and-auto-portability) Dec 03 2024 ## [PSN Auto Portability Signs Up 15,000 Plans in Year One](https://blog.rch1.com/blog/psn-auto-portability-signs-up-15000-plans-in-year-one) **![Breaking News-1](https://blog.rch1.com/hs-fs/hubfs/Breaking%20News-1.png?width=200&height=141&name=Breaking%20News-1.png)CHARLOTTE, NC**—**December 3, 2024**—[Portability Services Network (PSN)](https://psn1.com/?__hstc=256942484.0364b30fd96cdbcac86f0c37ea28879d.1729105032264.1734616485225.1734636272582.92&__hssc=256942484.5.1734636272582&__hsfp=4019465538) announces that, in its first year of operation, more than 15,000 plans representing approximately 5 million participants have signed up for auto portability. **Robert L. Johnson, Chairman of the Portability Services Network and Retirement Clearinghouse**, said, “I heartily applaud the six recordkeepers that launched Portability Services Network for their unwavering commitment to improving the retirement welfare of America’s under-saved and under-served workers. Auto portability was conceived as an innovation to benefit minority and women savers, and it is immensely gratifying to witness its coming to fruition through the hard work of Alight, Vanguard, Fidelity Investments, Empower, TIAA, and Principal® to make auto portability a reality. We encourage more plan sponsors and recordkeepers to join and do their part to assist low-income workers in achieving a financially secure retirement." [Read More](https://blog.rch1.com/blog/psn-auto-portability-signs-up-15000-plans-in-year-one) Nov 11 2024 ## [Dressing Up Traditional Automatic Rollovers](https://blog.rch1.com/blog/dressing-up-traditional-automatic-rollovers) ![WC\_ARO\_Landfill](https://blog.rch1.com/hs-fs/hubfs/WC_ARO_Landfill.png?width=200&height=127&name=WC_ARO_Landfill.png)Recently, we’ve read – mainly via paid promotions – about the existence of so-called “world-class” automatic rollover IRA services, which seem to be little more than [old-school, traditional automatic rollover IRAs](https://rch1.com/blog/the-truth-about-oldschool-automatic-rollovers) laying claim to unspecified, premium features. [Read More](https://blog.rch1.com/blog/dressing-up-traditional-automatic-rollovers) Oct 18 2024 ## [ERISA’s Golden Anniversary has Set the Stage for Helping Future Generations Improve Their Retirement Outcomes—in 2025 & Beyond](https://blog.rch1.com/blog/erisas-golden-anniversary-has-set-the-stage-for-helping-future-generations-improve-their-retirement-outcomes-in-2025-and-beyond) [![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/improving-retirement-readiness-beyond-erisa-milestone)On September 2, 1974, President Gerald Ford signed the Employee Retirement Income Security Act (ERISA) into law. Since that time, ERISA has become the regulatory backbone of the retirement services industry. And on September 12, members of the industry, along with legislators, government regulators, and other private and public sector representatives, came together to celebrate ERISA’s golden anniversary in Washington, D.C. My colleagues and I were honored to be among those in attendance. [Read More](https://blog.rch1.com/blog/erisas-golden-anniversary-has-set-the-stage-for-helping-future-generations-improve-their-retirement-outcomes-in-2025-and-beyond) Oct 16 2024 ## [Leakage & Shrinkage: Two Brothers from the Same Mother](https://blog.rch1.com/blog/leakage-shrinkage-two-brothers-from-the-same-mother) ![Leakage and Shrinkage-1](https://blog.rch1.com/hs-fs/hubfs/Leakage%20and%20Shrinkage-1.png?width=200&height=117&name=Leakage%20and%20Shrinkage-1.png)With the release of Vanguard’s September 2024 study ([Job transitions slow retirement savings](https://digital-assets.vanguard.com/corp/research/pdf/job_transitions_slow_retirement_savings.pdf)), we can consider adding a new term – shrinkage – to the lexicon of retirement savings ills associated with America’s mobile workforce, taking its spot alongside its sibling, [cashout leakage](https://rch1.com/401k-cashout-leakage). [Read More](https://blog.rch1.com/blog/leakage-shrinkage-two-brothers-from-the-same-mother) Sep 11 2024 ## [Measuring the Value of Intensive Missing Participant Searches](https://blog.rch1.com/blog/measuring-the-value-of-intensive-missing-participant-searches) ![Inline Graphic - Measuring the Value](https://blog.rch1.com/hs-fs/hubfs/Inline%20Graphic%20-%20Measuring%20the%20Value.png?width=200&height=111&name=Inline%20Graphic%20-%20Measuring%20the%20Value.png)When it comes to [locating missing plan participants](https://blog.rch1.com/blog/the-fundamentals-of-locating-missing-participants), electronic searches or “[e-searches](https://rch1.com/blog/new-research-on-locating-missing-participants-augments-dol-guidance)” are an indispensable tool. While it’s been [proven](https://info.rch1.com/missing-participant-esearch-study) that e-searches can be highly effective, inevitably situations will arise where plan sponsors must do something more, and that typically involves performing a more intensive search, where [additional search resources are applied](https://rch1.com/blog/dialing-up-the-intensity-of-missing-participant-searches) to improve the quality of the search, over and above what an e-Search can deliver. [Read More](https://blog.rch1.com/blog/measuring-the-value-of-intensive-missing-participant-searches) Sep 05 2024 ## [Four Compelling Reasons for Plan Sponsors to Adopt Auto Portability](https://blog.rch1.com/blog/four-compelling-reasons-for-plan-sponsors-to-adopt-auto-portability) ![Four Countdown](https://blog.rch1.com/hs-fs/hubfs/Four%20Countdown.png?width=200&height=113&name=Four%20Countdown.png)In July, an article noted that the adoption of [auto portability](https://psn1.com/learning-center/about-auto-portability?__hstc=256942484.26549b4ce74d509172ce2c3087e096cf.1713203572133.1725555202160.1725557605320.124&__hssc=256942484.7.1725557605320&__hsfp=2901579814) was [picking up steam](https://rch1.com/blog/auto-portability-adoption-picks-up-steam) with thousands of plan sponsors already signing up for the service, delivered by the [Portability Service Network (PSN)](https://psn1.com/?__hstc=256942484.26549b4ce74d509172ce2c3087e096cf.1713203572133.1725555202160.1725557605320.124&__hssc=256942484.7.1725557605320&__hsfp=2901579814). As I write this around six weeks later, that figure continues to rise at a brisk pace. As PSN operations have commenced, and as the automated plan-to-plan consolidation of small balances begins, a familiar industry adoption pattern is emerging – where innovators within the plan sponsor community lead the charge and are quickly followed by others. For plan sponsors who are still considering adopting auto portability, here are four compelling reasons why you should move now to embrace the new plan feature. [Read More](https://blog.rch1.com/blog/four-compelling-reasons-for-plan-sponsors-to-adopt-auto-portability) Page: [‹](https://blog.rch1.com/blog/topic/auto-portability/page/3) [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) [6](https://blog.rch1.com/blog/topic/auto-portability/page/6) [›](https://blog.rch1.com/blog/topic/auto-portability/page/5) [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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