--- title: RCH Consolidation Corner | Automatic Rollover description: Automatic Rollover | Keep up to date on all of the latest industry news with RCH1 --- [![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 # Automatic Rollover ### 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. --- Nov 03 2025 ## [Auto Portability: Adoption Figures Soar; Thought Leaders Want More](https://blog.rch1.com/blog/auto-portability-adoption-figures-soar-thought-leaders-want-more) ![AP - Adoption Soars Thought Leaders Want More](https://blog.rch1.com/hs-fs/hubfs/AP%20-%20Adoption%20Soars%20Thought%20Leaders%20Want%20More.jpg?width=200&height=223&name=AP%20-%20Adoption%20Soars%20Thought%20Leaders%20Want%20More.jpg)October has been a phenomenal month for [auto portability](https://psn1.com/learning-center/about-auto-portability), with plan sponsor adoption surging and industry thought leaders increasingly recognizing the promise of auto portability in finally solving longstanding 401(k) system portability issues. [Read More](https://blog.rch1.com/blog/auto-portability-adoption-figures-soar-thought-leaders-want-more) Jun 17 2024 ## [Safe-Harbor IRAs Don’t Offer a Long-Term Saving Solution for Plan Participants](https://blog.rch1.com/blog/safe-harbor-iras-dont-offer-a-long-term-saving-solution-for-plan-participants) ![ebnimage\_crop](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage_crop.png?width=200&height=93&name=ebnimage_crop.png)During the past several years, much progress has been made to simplify the process of enabling defined contribution plan participants to transfer their savings from one plan to another when they [change jobs](https://www.benefitnews.com/advisers/opinion/job-hopping-a-challenge-to-portable-401k-retirement-benefits). These strides have been made thanks to an ongoing partnership between the private and public sectors, and between [Democrats and Republicans](https://www.benefitnews.com/opinion/auto-portability-is-and-always-will-be-a-bipartisan-solution) in Congress. In [November 2023](https://psn1.com/news/press-release-portability-services-network-launches-nations-first-solution-to-move-workers-retirement-savings-when-changing-jobs?__hstc=256942484.9bebe02c4f3c435c2e863d95ee3ee1b4.1717078500315.1718369171445.1718661567324.36&__hssc=256942484.9.1718661567324&__hsfp=742543691), we saw the launch of the Portability Services Network, with our nation’s leading retirement plan record-keepers—Alight Solutions, Empower, Fidelity Investments, Principal, TIAA, and Vanguard—on board as founding members. The Portability Services Network makes the digital [auto portability](https://www.benefitnews.com/advisers/opinion/auto-portability-helps-everybody-and-hurts-nobody) solution a reality for helping Americans keep their retirement savings invested in the system and working for them. [Read More](https://blog.rch1.com/blog/safe-harbor-iras-dont-offer-a-long-term-saving-solution-for-plan-participants) Mar 13 2024 ## [This Earth Day, We are Reminded to Recycle 401(k) Savings, Instead of Adding to the Landfill of Safe Harbor IRAs](https://blog.rch1.com/blog/this-earth-day-we-are-reminded-to-recycle-401k-savings-instead-of-adding-to-the-landfill-of-safe-harbor-iras) ![Employee Benefit News Logo](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage.jpg?width=200&name=ebnimage.jpg)On April 22, we will celebrate the 54th annual Earth Day, which gives us the opportunity to celebrate our planet’s natural surroundings and contemplate how we can help preserve them. The advent, and ongoing expansion of recycling programs has enabled our society to reduce our waste—and although there is still quite a long way to go, we have evolved significantly from the post-World War II throwaway culture. [Read More](https://blog.rch1.com/blog/this-earth-day-we-are-reminded-to-recycle-401k-savings-instead-of-adding-to-the-landfill-of-safe-harbor-iras) Feb 08 2024 ## [A More-Enlightened Approach to Uncashed Distribution Checks](https://blog.rch1.com/blog/a-more-enlightened-approach-to-uncashed-distribution-checks) ![A\_More-Enlightened\_Approach](https://blog.rch1.com/hs-fs/hubfs/A_More-Enlightened_Approach.png?width=200&height=153&name=A_More-Enlightened_Approach.png)No retirement plan sponsor likes the idea of dealing with [uncashed distribution checks](https://rch1.com/uncashed-distribution-checks), nor do they wish to draw unwanted regulatory attention or to become embroiled in costly litigation because of their uncashed check policies. Unfortunately, many plan sponsors place themselves in precisely that spot, becoming unnecessarily over-burdened with unresolved uncashed checks, while inviting unwanted regulatory scrutiny and/or legal challenges by embracing flawed uncashed check policies. A more-enlightened approach to managing the problem of uncashed checks seeks to minimize their numbers, while simultaneously steering clear of the “red flags” that could land them in hot water. [Read More](https://blog.rch1.com/blog/a-more-enlightened-approach-to-uncashed-distribution-checks) 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) 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 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) Sep 26 2022 ## [Why DEI and ‘Traditional’ Automatic Rollovers Don’t Mix](https://blog.rch1.com/blog/why-dei-and-traditional-automatic-rollovers-dont-mix) ![Oil-water](https://blog.rch1.com/hs-fs/hubfs/Oil-water.png?width=200&name=Oil-water.png)In the retirement community, momentum is growing to make our 401(k) system more inclusive and to ensure that retirement savings are more equitable. [Read More](https://blog.rch1.com/blog/why-dei-and-traditional-automatic-rollovers-dont-mix) Sep 15 2022 ## [How Consultants Can Miss the Mark on 401(k) Automatic Rollovers](https://blog.rch1.com/blog/how-consultants-can-miss-the-mark-on-401k-automatic-rollovers) ![Consultants](https://blog.rch1.com/hs-fs/hubfs/Consultants.png?width=200&name=Consultants.png)I'm a big fan of 401(k) plan consultants, who’ve been forceful advocates for the adoption of best practices at leading retirement plan sponsors. So, it’s surprising to me that, when it comes to [automatic rollover](https://rch1.com/automatic-rollovers) programs, consultants sometimes miss the mark, at least in terms of participant outcomes. [Read More](https://blog.rch1.com/blog/how-consultants-can-miss-the-mark-on-401k-automatic-rollovers) Page: ‹ [1](https://blog.rch1.com/blog) [2](https://blog.rch1.com/blog/topic/automatic-rollover/page/2) [3](https://blog.rch1.com/blog/topic/automatic-rollover/page/3) [4](https://blog.rch1.com/blog/topic/automatic-rollover/page/4) [5](https://blog.rch1.com/blog/topic/automatic-rollover/page/5) [›](https://blog.rch1.com/blog/topic/automatic-rollover/page/2) [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) - [Auto Enrollment](https://blog.rch1.com/blog/topic/auto-enrollment) - 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