--- title: RCH Consolidation Corner | Boston Research Technologies description: Boston Research Technologies | 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 # Boston Research Technologies ### 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 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) 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) Nov 29 2023 ## [Auto Portability: It’s About the Participants](https://blog.rch1.com/blog/auto-portability-its-about-the-participants) ![AP\_About\_the\_PPTs](https://blog.rch1.com/hs-fs/hubfs/AP_About_the_PPTs.png?width=200&height=135&name=AP_About_the_PPTs.png)It’s sometimes easy to forget a basic tenet about auto portability. Auto portability is about the participants. And not just any participants. Auto portability is about the participants who truly need it, and – according to multiple surveys – have expressed a strong preference for it. [Read More](https://blog.rch1.com/blog/auto-portability-its-about-the-participants) Apr 20 2020 ## [To Show Participants You Care, Help Them Avoid Cashing Out Post-CARES Act](https://blog.rch1.com/blog/to-show-participants-you-care-help-them-avoid-cashing-out-post-cares-act) [![ebn logo](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage.jpg?width=200&name=ebnimage.jpg)](https://www.benefitnews.com/opinion/to-show-participants-you-care-help-them-avoid-401k-cash-outs)It goes without saying that we are not living in normal times. The health and safety of our families and communities are paramount, and measures to ease burdens and hardships are always appreciated. These include the [Coronavirus Aid, Relief, and Economic Security (CARES) Act](https://www.congress.gov/bill/116th-congress/senate-bill/3548/text), the massive fiscal stimulus signed into law on March 27, 2020. [Read More](https://blog.rch1.com/blog/to-show-participants-you-care-help-them-avoid-cashing-out-post-cares-act) Mar 30 2020 ## [Think Twice Before Tapping Your 401(k) for Short-Term Needs](https://blog.rch1.com/blog/think-twice-before-tapping-your-401k-for-short-term-needs) [![Wall Street Journal](https://blog.rch1.com/hs-fs/hubfs/Publications/The%20Wall%20Street%20Journal/WSJ-Logo.jpg?width=200&name=WSJ-Logo.jpg)](https://www.wsj.com/articles/all-those-401-k-s-in-the-time-of-coronavirus-11585337257)In extraordinary times like these, it is understandable that Americans need emergency cash injections to pay expenses. But before tapping their 401(k)s, workers should at least follow the advice offered by the old saying “think twice,” and consider all sources of short-term cash, before prematurely cashing out their 401(k) savings ([WSJ: “The Emergency 401(k) Button,” March 20](https://www.wsj.com/articles/the-emergency-401-k-button-11584660255)). Even if tax and other penalties on 401(k) cash-outs during this period are waived, Americans who cash out forfeit the additional savings which the sums they receive would have accrued by retirement, had they remained incubated in the U.S. retirement system. [Read More](https://blog.rch1.com/blog/think-twice-before-tapping-your-401k-for-short-term-needs) Mar 16 2020 ## [The Institutionalization of Portability is Key to Reducing Cash-Out Leakage](https://blog.rch1.com/blog/the-institutionalization-of-portability-is-key-to-reducing-cash-out-leakage) [![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/the-institutionalization-of-portability-is-key-to-reducing-cash-out-leakage)Although defined contribution plan recordkeepers and sponsors have made considerable progress helping participants retain savings through reduced fees over the past decade, job-changing participants’ 401(k) savings account balances remain in a state of dangerous limbo, as participants often succumb to the temptation of cashing out. EBRI reports that at least 4.5 million—or 40%—of [job-changing participants](https://www.benefitnews.com/opinion/job-hopping-a-challenge-to-portable-401k-retirement-benefits) cash out $92.4 billion in 401(k) savings from the U.S. retirement system every year. [Read More](https://blog.rch1.com/blog/the-institutionalization-of-portability-is-key-to-reducing-cash-out-leakage) Feb 05 2020 ## [How Sponsors can Help Minorities Save More for Retirement](https://blog.rch1.com/blog/how-sponsors-can-help-minorities-save-more-for-retirement) [![Employee Benefit News Logo](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage.jpg?width=200&name=ebnimage.jpg)](https://www.benefitnews.com/opinion/how-sponsors-can-help-minorities-save-for-retirement)Every year, our nation’s retirement system loses $92 billion in savings because 401(k) plan participants prematurely cash out their accounts when they change jobs. This is the most recent estimate from the Employee Benefit Research Institute (EBRI), and while this finding affects all American workers, minorities are hit hardest.   [Read More](https://blog.rch1.com/blog/how-sponsors-can-help-minorities-save-more-for-retirement) May 23 2018 ## [Understanding and Solving the Problem of Women’s 401(k) Cashout Leakage](https://blog.rch1.com/blog/understanding-and-solving-the-problem-of-womens-401k-cashout-leakage) ![Solving the problem of women's cashout leakage](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/Blog_Post_Header_Image.png?width=200&name=Blog_Post_Header_Image.png)On May 22nd, at a [Women’s Institute for a Secure Retirement (WISER)](http://www.wiserwomen.org) roundtable addressing strategies, choices and decisions for women’s retirement income, [important new data](https://info.rch1.com/rch-infographic-womens-cashouts-ap-benefits-landing-page) was presented that highlights the challenges faced by women in preserving their 401(k) savings when changing jobs – particularly for women with balances less than $5,000. [Read More](https://blog.rch1.com/blog/understanding-and-solving-the-problem-of-womens-401k-cashout-leakage) Mar 26 2018 ## [No Plan is an Island](https://blog.rch1.com/blog/no-plan-is-an-island) [![Employee Benefit News](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage.jpg?width=178&name=ebnimage.jpg "Employee Benefit News")](https://www.benefitnews.com/opinion/employers-heres-how-you-improve-the-broken-401-k-plan-system)*No man is an island entire of itself; every man* *is a piece of the continent, a part of the main;* *if a clod be washed away by the sea, Europe* [Read More](https://blog.rch1.com/blog/no-plan-is-an-island) Feb 23 2018 ## [A New Solution to Tackle the Old Problem of Missing Participants](https://blog.rch1.com/blog/a-new-solution-to-tackle-the-old-problem-of-missing-participants) [![Employee Benefit News](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage.jpg?width=178&name=ebnimage.jpg "Employee Benefit News")](https://www.benefitnews.com/opinion/a-new-solution-to-tackle-the-old-problem-of-missing-401-k-s)Despite differences big and small, all retirement plan sponsors and record-keepers experience at least one common problem—the seemingly intractable incidence of participants who have left behind small accounts in the plans sponsored by their former employers and failed to update their address when they subsequently change residence, a.k.a. [missing participants](https://www.benefitnews.com/opinion/how-to-reunite-employees-with-their-old-401-k-accounts). 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