--- title: RCH Consolidation Corner | Employee Benefit News description: Employee Benefit News | 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 # Employee Benefit News ### 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. --- Sep 28 2026 ## [The Plumbing Our Country’s Retirement System Needs](https://blog.rch1.com/blog/the-plumbing-our-countrys-retirement-system-needs) ![FromTheTopv3-01](https://blog.rch1.com/hs-fs/hubfs/Publications/FromTheTopv3-01.png?width=200&height=150&name=FromTheTopv3-01.png)Americans change jobs frequently. Some move for a better opportunity or a raise. Others have no choice, because their employer went bankrupt, was acquired, or restructured and eliminated their role. Whatever the reason, the result is the same: a mobile workforce that leaves a trail of retirement accounts behind it. Indeed, the average American will hold an estimated 10 jobs during a 40-year working life, according to the Employee Benefit Research Institute (EBRI). [Read More](https://blog.rch1.com/blog/the-plumbing-our-countrys-retirement-system-needs) Jul 01 2026 ## [America250: How the Retirement Services Industry can Make Good on the Promise in the Declaration of Independence](https://blog.rch1.com/blog/america250-how-the-retirement-services-industry-can-make-good-on-the-promise-in-the-declaration-of-independence) ![Employee Benefit News](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage.jpg?width=200&name=ebnimage.jpg "Employee Benefit News")The America250 celebrations remind all of us how much we have to be thankful for, as Americans who value liberty and all that our previous generations have sacrificed to maintain our freedoms. When the Continental Congress ratified the Declaration of Independence 250 years ago on July 4, 1776, its members were creating a nation which was something unique in the annals of history – a republic by the people, for the people. Thomas Jefferson memorably wrote in the Declaration of Independence that these unalienable rights included “Life, Liberty and the pursuit of Happiness.” [Read More](https://blog.rch1.com/blog/america250-how-the-retirement-services-industry-can-make-good-on-the-promise-in-the-declaration-of-independence) 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) Apr 05 2022 ## [The Next Area to Tackle for Preserving Retirement Savings: Uncashed Distribution Checks](https://blog.rch1.com/blog/the-next-area-to-tackle-for-preserving-retirement-savings-uncashed-distribution-checks) [![Employee Benefit News](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage.jpg?width=200&name=ebnimage.jpg "Employee Benefit News")](https://www.benefitnews.com/advisers/opinion/uncashed-401k-distribution-checks-can-generate-big-savings)Last year marked the 15th anniversary of the [Pension Protection Act of 2006](https://www.benefitnews.com/advisers/opinion/15-years-of-401k-lessons-from-the-pension-protection-act). This legislation included well-intentioned provisions for helping Americans increase their retirement savings, including the capability for defined contribution plan sponsors to [automatically enroll](https://www.benefitnews.com/opinion/the-unintended-consequence-of-401-k-auto-enrollment) employees in their plans. Despite the good intentions behind auto enrollment, and all the positive outcomes that have resulted, its introduction also coincided with high workforce mobility and a lack of seamless plan-to-plan savings portability, which has led to a surge in [small, stranded 401(k) savings accounts](https://www.benefitnews.com/opinion/why-small-retirement-accounts-are-the-root-of-many-problems). [Read More](https://blog.rch1.com/blog/the-next-area-to-tackle-for-preserving-retirement-savings-uncashed-distribution-checks) Jan 25 2022 ## [The ‘Great Resignation’ Screams for Improved Retirement-Savings Portability](https://blog.rch1.com/blog/the-great-resignation-screams-for-improved-retirement-savings-portability) [![ebnimage](https://blog.rch1.com/hs-fs/hubfs/ebnimage.jpg?width=200&name=ebnimage.jpg)](https://www.benefitnews.com/advisers/opinion/the-great-resignation-has-made-retirement-portability-vital)COVID-19 has altered so much in our nation, and our world, over the past two years. Many of us learned to stop and smell the roses during lockdowns, and count our blessings, especially health and family. For those who were fortunate enough to remain employed full-time during the pandemic and could work remotely, videoconferencing tools like Zoom and Microsoft Teams suddenly became indispensable for conferring with colleagues and customers. [Read More](https://blog.rch1.com/blog/the-great-resignation-screams-for-improved-retirement-savings-portability) Nov 24 2021 ## [Assessing the State of DC Plans & Retirement Savings, 15 Years After the Pension Protection Act](https://blog.rch1.com/blog/assessing-the-state-of-dc-plans-retirement-savings-15-years-after-the-pension-protection-act) [![Employee Benefit News](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage.jpg?width=200&name=ebnimage.jpg "Employee Benefit News")](https://www.benefitnews.com/advisers/opinion/15-years-of-401k-lessons-from-the-pension-protection-act)Traditionally, the anniversary gift for couples celebrating their 15th wedding anniversary is crystal. When the Pension Protection Act of 2006 was signed into law 15 years ago, a crystal ball would have been useful. Although this legislation was (commendably) crafted with the best of intentions, its unintended consequences for defined contribution plan participants and sponsors continue to reverberate.   [Read More](https://blog.rch1.com/blog/assessing-the-state-of-dc-plans-retirement-savings-15-years-after-the-pension-protection-act) Sep 07 2021 ## [Refundable Saver’s Tax Credits Would Significantly Reduce Retirement Savings Shortfall—Especially for Minorities](https://blog.rch1.com/blog/refundable-savers-tax-credits-would-significantly-reduce-retirement-savings-shortfall-especially-for-minorities) [![Employee Benefit News](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage.jpg?width=200&name=ebnimage.jpg "Employee Benefit News")](https://www.benefitnews.com/advisers/opinion/tax-credits-would-narrow-wealth-disparities-help-retirement)Concurrent with the COVID-19 pandemic, our elected representatives have been grappling with the issue of wealth disparities between America’s white and minority workers. Commendably, there has been bipartisan support in Washington, DC for measures to assist those who are historically under-served or under-saved in our national system for accumulating and incubating retirement savings.   [Read More](https://blog.rch1.com/blog/refundable-savers-tax-credits-would-significantly-reduce-retirement-savings-shortfall-especially-for-minorities) Jul 07 2021 ## [Don’t Relegate Lost & Missing Accounts to the Lost & Found—Consolidate Them in the Retirement System](https://blog.rch1.com/blog/dont-relegate-lost-and-missing-accounts-to-the-lost-and-found-consolidate-them-in-the-retirement-system) [![Employee Benefit News](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage.jpg?width=200&name=ebnimage.jpg "Employee Benefit News")](https://www.benefitnews.com/advisers/opinion/consolidate-retirement-accounts-to-boost-savings)The Securing a Strong Retirement Act of 2021, nicknamed the “SECURE ([Setting Every Community Up for Retirement Enhancement](https://www.benefitnews.com/opinion/mitigating-covid-19s-catastrophic-impact-on-retirement-readiness)) Act 2.0,” was passed unanimously by the House Ways and Means Committee, and many expect the bill to pass the full House of Representatives. [Read More](https://blog.rch1.com/blog/dont-relegate-lost-and-missing-accounts-to-the-lost-and-found-consolidate-them-in-the-retirement-system) Apr 29 2021 ## [Auto Portability is an Easily Quantifiable Solution for Helping Participants Achieve Financial Wellness](https://blog.rch1.com/blog/auto-portability-is-an-easily-quantifiable-solution-for-helping-participants-achieve-financial-wellness) [![ebnimage](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage.jpg?width=200&name=ebnimage.jpg)](https://www.benefitnews.com/advisers/opinion/why-auto-portability-can-create-more-secure-retirements)Financial wellness has taken on a new urgency over the past year as we have witnessed a series of “once-in-a-lifetime” events that affect how we work and save for retirement. In response, many plan sponsors have adopted new and important tools to strengthen the financial wellbeing of their participants.   [Read More](https://blog.rch1.com/blog/auto-portability-is-an-easily-quantifiable-solution-for-helping-participants-achieve-financial-wellness) Page: ‹ [1](https://blog.rch1.com/blog) [2](https://blog.rch1.com/blog/topic/employee-benefit-news/page/2) [3](https://blog.rch1.com/blog/topic/employee-benefit-news/page/3) [4](https://blog.rch1.com/blog/topic/employee-benefit-news/page/4) [5](https://blog.rch1.com/blog/topic/employee-benefit-news/page/5) [›](https://blog.rch1.com/blog/topic/employee-benefit-news/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) - 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