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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.


Feb
27
2017

Big Changes Coming for Small 401(k) Accounts

Speed of Retirement GlacierThe pace of change in today’s world is faster than ever -- and accelerating.  Consider the vast change witnessed by today’s centenarians over the course of their lives – moving from the horse-and-buggy to aviation, moon landings, the Internet and smartphones.

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Feb
16
2017

Incubate Small Retirement Accounts, Don’t Throw Them Away

Auto Portability Win-Win SolutionOn February 3rd, the U.S. Chamber of Commerce, the world’s largest business federation representing the interests of more than 3 million businesses, released Securing America’s Retirement, their legislative roadmap aimed at strengthening the U.S. retirement system.

The Chamber’s goals are admirable.

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Aug
09
2016

Why Small Balance Cash Outs Are Falling Through the Cracks

Market Share by NumbersAccording to the recently released 2016 Willis Towers Watson U.S. Retirement Governance Survey, a major trend in retirement plan governance is the growing concern employers have for employees’ retirement benefit adequacy and financial well-being. To address this concern, sponsors indicated plans to increase monitoring of participant behaviors, using metrics such as plan participation and contribution rates, as well as carefully tracking the performance of their plans’ investment managers.

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Jul
01
2016

When it Comes to Saving for Retirement, Millennials Can Learn from Baby Boomers’ Mistakes

MarketWatchIn his 6/30/16 MarketWatch article, RCH President and CEO Spencer Williams suggests an inter-generational dialogue on the pitfalls to avoid when saving for retirement.

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Jun
21
2016

Calls for Portability Solutions to Curb Cash Out Leakage Growing Louder

Washington DC USACash out leakage – the premature withdrawal of retirement savings for non-retirement expenses – is a persistent problem in the retirement industry, and growing more pervasive as employee mobility increases.

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Jun
16
2016

Interesting Finding Emerges from the Auto Portability Simulation

EBRIWhen the Auto Portability Simulation (APS) model was recently unveiled at EBRI’s 78th Policy Forum, a lot of attention was paid to the “marquee” numbers, and rightly so.  I’m referring here to the $154 billion reduction in cashout leakage, as well as the $115 billion increase in plan-to-plan roll-ins that occur under the adoption of Auto Portability. 

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May
20
2016

Auto Portability Simulation Model Unveiled at 78th EBRI Policy Forum

 EBRIOn May 12th, Retirement Clearinghouse President & CEOJ. Spencer Williams unveiled theAuto Portability Simulation(APS) at theEmployee Benefit Research Institute's 78th Policy Forum. The APS was developed by Retirement Clearinghouse in conjunction with Dr. Ricki Ingalls, Chair of Computer Information Systems at Texas State University, and Principal at Diamond Head Associates, Inc.

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Apr
28
2016

Say What? The Arcane Lingo of Retirement Savings Portability

Scrabble Letters Portability Savings Retirement

In virtually any area of specialty, a unique jargon evolves that’s highly-specific to that field.  To insiders using the lingo every day, it seems familiar and perfectly normal.  To outside observers, it can feel like a foreign language -- with words, terms and acronyms that make no sense.  

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Apr
21
2016

Five Common Misconceptions About Automatic Rollovers

False Automatic Rollovers

Automatic rollover programs allow plan sponsors to force out of their plan separated participants with balances less than $5,000 into a Safe Harbor IRA.  These programs can be quite effective at helping sponsors resolve many of the problems associated with housing small-balance accounts in-plan, such as: 

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Feb
25
2016

DC Plan Termination Video Series Part 3: Five Criteria for Selecting a Services Provider

Mike Wilder DC Plan Termination Part 3 Video SeriesRetirement Clearinghouse (RCH) is pleased to offer a three-part series of educational videos on plan terminations, presented by Mike Wilder, RCH’s Vice President of Client Services. These videos are intended to provide plan sponsors with a basic understanding of key plan termination process steps, the common mistakes that are made by plan sponsors, and the key criteria for selecting a plan termination services provider. We hope you’ll find these videos interesting & informative!

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