--- title: RCH Consolidation Corner | Auto Portability (6) description: Auto Portability | Keep up to date on all of the latest industry news with RCH1 (6) --- [![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 (6) ### 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 16 2023 ## [No One is Coming to Save You From Missing Participants](https://blog.rch1.com/blog/no-one-is-coming-to-save-you-from-missing-participants) **[![](https://rch1.com/storage/wysiwyg/no_one_is_coming_to_save_you_1.png)](https://rch1.com/management-team/tom-hawkins)**In horror movies, embattled humans facing a zombie apocalypse eventually realize that no one is coming to save them and must take decisive action to save themselves from oblivion. There’s a lesson here for plan sponsors who must confront the problem of locating [missing participants](https://rch1.com/missing-participants). In the near-term, there’s likely nothing that will spare plan sponsors from addressing the missing participant problem head-on. In the face of uncertainty, they must take decisive action to avoid being overwhelmed, including implementing effective, common-sense search practices, and pairing those search practices with other actions that will minimize the incidence of missing participants over time. [Read More](https://blog.rch1.com/blog/no-one-is-coming-to-save-you-from-missing-participants) Aug 31 2023 ## [A Perfect Storm is Brewing—But Automated Portability Could Defuse It](https://blog.rch1.com/blog/a-perfect-storm-is-brewing-but-automated-portability-could-defuse-it) [![ebnimage](https://blog.rch1.com/hs-fs/hubfs/ebnimage.jpg?width=200&name=ebnimage.jpg)](https://www.benefitnews.com/advisers/opinion/automated-portability-can-preserve-retirement-readiness-and-401k-balances)In the summer, we are used to temperatures spiking. But in addition to record-breaking temperatures and erratic weather, this summer has also brought a sharp increase in 401(k) hardship withdrawals. [Read More](https://blog.rch1.com/blog/a-perfect-storm-is-brewing-but-automated-portability-could-defuse-it) Aug 30 2023 ## [Focus Shifts to Plan Sponsors as Portability Network Set to Go Live](https://blog.rch1.com/blog/focus-shifts-to-plan-sponsors-as-portability-network-set-to-go-live) ![The Focus Shifts to Plan Sponsors](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Consolidation_Corner/The%20Focus%20Shifts%20to%20Plan%20Sponsors.png?width=200&height=163&name=The%20Focus%20Shifts%20to%20Plan%20Sponsors.png)When the [Portability Services Network (PSN)](https://psn1.com/?__hstc=256942484.c1dd3303d3b9bc9eb08fbd9061bdced5.1692278072721.1693341814293.1693403721542.24&__hssc=256942484.4.1693403721542&__hsfp=2165739567) goes live at the beginning of the fourth quarter of 2023, the focus of attention for [auto portability](https://psn1.com/learning-center/about-auto-portability?__hstc=256942484.c1dd3303d3b9bc9eb08fbd9061bdced5.1692278072721.1693341814293.1693403721542.24&__hssc=256942484.4.1693403721542&__hsfp=2165739567) will shift from the industry-led network of service providers to the leading plan sponsors who will begin adopting the new plan feature. As PSN operations commence, and the automated plan-to-plan consolidation of small balances begins, a familiar industry adoption pattern will emerge – where innovators within the plan sponsor community lead the charge and are quickly followed by others. [Read More](https://blog.rch1.com/blog/focus-shifts-to-plan-sponsors-as-portability-network-set-to-go-live) Aug 11 2023 ## [The Future is Brighter for Small-Balance Retirement Accounts](https://blog.rch1.com/blog/the-future-is-brighter-for-small-balance-retirement-accounts) ![](https://rch1.com/storage/wysiwyg/the_future_is_brighter.png)While small-balance retirement savings accounts have fared poorly in the past, their future has never looked brighter. Real progress is being made in reducing their numbers while simultaneously preserving and consolidating their savings, vs. previous “solutions” that encouraged them to cash out or exiled them to dead-end safe harbor IRAs. [Read More](https://blog.rch1.com/blog/the-future-is-brighter-for-small-balance-retirement-accounts) Jun 20 2023 ## [The New Urgency for Mitigating 401(k) Account Cash-Outs](https://blog.rch1.com/blog/the-new-urgency-for-mitigating-401k-account-cash-outs) [![ebnimage](https://blog.rch1.com/hs-fs/hubfs/ebnimage.jpg?width=200&name=ebnimage.jpg)](https://www.benefitnews.com/advisers/opinion/the-new-urgency-for-mitigating-401k-account-cash-outs)Americans’ lack of retirement preparedness has long been an area of concern for our nation. But findings in a recent study underscore that, despite all of the media articles offering tips for how to save more for retirement, many Americans are still making a self-destructive decision that can leave them with less when they retire. [Read More](https://blog.rch1.com/blog/the-new-urgency-for-mitigating-401k-account-cash-outs) Jun 16 2023 ## [The 401(k) “House-Cleaning” to Come](https://blog.rch1.com/blog/the-401k-house-cleaning-to-come) ![The 401k House-Cleaning to Come](https://blog.rch1.com/hs-fs/hubfs/The%20401k%20House-Cleaning%20to%20Come.png?width=200&height=126&name=The%20401k%20House-Cleaning%20to%20Come.png)The increase in the [automatic rollover](https://rch1.com/automatic-rollover) threshold from $5,000 to $7,000, as provided for in [section 304](https://www.congress.gov/117/bills/hr2617/BILLS-117hr2617enr.pdf#page=883) of the SECURE 2.0 legislation, will become effective for mandatory distributions made after December 31, 2023. What will be the impact of these provisions, if fully embraced by plan sponsors? One thing is certain – on both a one-time and ongoing basis, far more terminated participants will be subject to the automatic rollover provisions of their former-employers’ plans. [Read More](https://blog.rch1.com/blog/the-401k-house-cleaning-to-come) May 11 2023 ## [As Time Passes, The Gains Become Harder](https://blog.rch1.com/blog/as-time-passes-the-gains-become-harder) ![As Time Passes The Gains Become Harder](https://blog.rch1.com/hs-fs/hubfs/As%20Time%20Passes%20The%20Gains%20Become%20Harder.png?width=200&height=133&name=As%20Time%20Passes%20The%20Gains%20Become%20Harder.png)Anyone of sufficient age who exercises regularly knows that gains become harder as you grow older. While improvements are possible, increased effort doesn’t always work. Instead, older fitness aficionados dial in the quality and efficiency of their workouts to experience continued gains. [Read More](https://blog.rch1.com/blog/as-time-passes-the-gains-become-harder) Apr 28 2023 ## [Highway Through the 'Danger Zone'](https://blog.rch1.com/blog/highway-through-the-danger-zone) ![Highway Through the Danger Zone](https://blog.rch1.com/hs-fs/hubfs/Highway%20Through%20the%20Danger%20Zone.png?width=200&height=113&name=Highway%20Through%20the%20Danger%20Zone.png)The 401(k) cashout leakage problem is once again in the news, with the publication of an [alarming study](https://pubsonline.informs.org/doi/10.1287/mksc.2022.1404) by academics, as well as new data from Fidelity Investments revealing a cashout leakage ‘danger zone’ facing participants between the ages of 30-39. These studies, combined with the mounting weight of empirical evidence gathering for more than a decade, confirm that 401(k) cashout leakage is a huge, persistent problem. [Read More](https://blog.rch1.com/blog/highway-through-the-danger-zone) Apr 01 2023 ## [Financial Literacy Can Help Close the Minority Wealth Gap for Retirement Savings](https://blog.rch1.com/blog/financial-literacy-can-help-close-the-minority-wealth-gap-for-retirement-savings) [![ebnimage](https://blog.rch1.com/hs-fs/hubfs/ebnimage.jpg?width=200&name=ebnimage.jpg)](https://www.benefitnews.com/advisers/opinion/financial-literacy-can-close-the-minority-wealth-gap-for-retirement-savings)Knowledge is power, as the saying goes. As Americans observe another Financial Literacy Month, members of the retirement services industry have an opportunity to pause and think about how they can help [empower more people](https://www.benefitnews.com/opinion/how-financial-wellness-programs-can-encourage-employee-participation-in-retirement-savings) to achieve a financially secure retirement. [Read More](https://blog.rch1.com/blog/financial-literacy-can-help-close-the-minority-wealth-gap-for-retirement-savings) Mar 10 2023 ## [A Renaissance for Auto Enrollment](https://blog.rch1.com/blog/a-renaissance-for-auto-enrollment) ![AE Renaissance](https://blog.rch1.com/hs-fs/hubfs/AE%20Renaissance.png?width=200&height=133&name=AE%20Renaissance.png)After making great strides following the Pension Protection Act of 2006 (PPA), adoption of auto enrollment has continued to build slowly but steadily in recent years. According to [DOL Form 5500 data](https://www.dol.gov/agencies/ebsa/about-ebsa/our-activities/public-disclosure/foia/form-5500-datasets), by 2021 the feature has been adopted by plan sponsors housing almost 50% of total 401(k) participant accounts. 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