--- title: RCH Consolidation Corner | Employee Benefit News (4) description: Employee Benefit News | Keep up to date on all of the latest industry news with RCH1 (4) --- [![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 (4) ### 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. --- Jan 29 2019 ## [Want to Help Minority Participants Save More for Retirement? Adopt Auto Portability](https://blog.rch1.com/blog/want-to-help-minority-participants-save-more-for-retirement-adopt-auto-portability) ![From the Top Spencer Williams](https://blog.rch1.com/hs-fs/hubfs/Publications/RCH/FromTheTopv3-01.png?width=200&name=FromTheTopv3-01.png)Much has been written about America’s retirement-savings shortfall. Much has also been written about one of the major reasons for this shortfall—the lack of technology and operating standards to make [seamless plan-to-plan savings portability](https://www.benefitnews.com/opinion/why-retirement-portability-should-become-employers-next-big-focus) easy for America’s highly mobile workforce. The cumbersome and costly nature of [DIY portability](https://www.benefitnews.com/opinion/diy-plan-to-plan-portability-is-harder-than-you-think) has made prematurely cashing out small-balance 401(k) savings accounts, or stranding them in former employers’ plans, the easiest options for many participants after they change jobs. [Read More](https://blog.rch1.com/blog/want-to-help-minority-participants-save-more-for-retirement-adopt-auto-portability) Jan 22 2019 ## [Sidecar Accounts Can Plug Some 401(k) Leakage—But Not Most Leakage](https://blog.rch1.com/blog/sidecar-accounts-can-plug-some-401k-leakage-but-not-most-leakage) [![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/opinion/sidecar-accounts-can-help-plug-401k-retirement-leakage)“Not having enough emergency savings for unexpected expenses” is the No. 1 financial concern for Millennials and members of Generation X, and the No. 2 financial concern among Baby Boomers, after retirement security. These findings from a [PwC Employee Financial Wellness Survey](https://www.pwc.com/us/en/industries/private-company-services/library/financial-well-being-retirement-survey.html) released last year shouldn’t surprise members of the retirement services industry, since too many defined contribution plan participants dip into their 401(k) savings—through loans, hardship withdrawals, or cash-outs upon changing jobs—to fund emergency expenses. [Read More](https://blog.rch1.com/blog/sidecar-accounts-can-plug-some-401k-leakage-but-not-most-leakage) Oct 19 2018 ## [Is Your Missing-Participant Program a Ford Model T or 2018 BMW?](https://blog.rch1.com/blog/is-your-missing-participant-program-a-ford-model-t-or-2018-bmw) [![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/opinion/is-your-missing-participant-retirement-program-a-ford-model-t-or-2018-bmw) A primary responsibility for fiduciaries is to seek out and identify the best available solutions that enable fulfillment of their responsibilities. For plan sponsors tasked with implementing and evaluating the effectiveness of their missing participant program, this can be a difficult task, particularly given the accelerating rate of technological innovation and the virtual explosion of new sources of data available online. In today’s day and age, what is considered a state-of-the-art program today could easily become obsolete tomorrow, rendering a plan’s missing-participant program vulnerable to [fiduciary liability](https://www.benefitnews.com/opinion/what-the-dols-fiduciary-rule-doesnt-say).  [Read More](https://blog.rch1.com/blog/is-your-missing-participant-program-a-ford-model-t-or-2018-bmw) Aug 09 2018 ## [The Next Big Advancement for the 401(k)](https://blog.rch1.com/blog/the-next-big-advancement-for-the-401k) [![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/opinion/the-next-big-advancement-for-the-401k) Although the 401(k) is today the primary retirement-savings vehicle for many hardworking Americans, it can be easy to forget that the 401(k) is still a relatively new phenomenon. [Read More](https://blog.rch1.com/blog/the-next-big-advancement-for-the-401k) Jul 06 2018 ## [Auto Portability’s Role in Helping Women Save More for Retirement](https://blog.rch1.com/blog/auto-portabilitys-role-in-helping-women-save-more-for-retirement) [![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/opinion/auto-portability-key-to-helping-women-save-in-retirement) If current trends continue, approximately 104 million women will cash out almost $800 billion in retirement savings, in today’s dollars, over the next generation. This eye-popping statistic, presented at a [“Women and Retirement Income” roundtable discussion](https://blog.rch1.com/blog/understanding-and-solving-the-problem-of-womens-401k-cashout-leakage) on May 22 sponsored by the Women’s Institute for a Secure Retirement (WISER), underscores the importance of financial wellness initiatives by plan sponsors to help women participants avoid cash-outs and instead [preserve their 401(k) savings in the retirement system](https://www.benefitnews.com/opinion/a-blueprint-for-lifetime-participation-in-401-k-plans). [Read More](https://blog.rch1.com/blog/auto-portabilitys-role-in-helping-women-save-more-for-retirement) May 16 2018 ## [Encouraging 401(k) Account Consolidation is the Key to Reducing Lost & Missing Participants](https://blog.rch1.com/blog/encouraging-401k-account-consolidation-is-the-key-to-reducing-lost-missing-participants) [![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/opinion/401k-account-consolidation-the-key-to-reducing-lost-participants)Much has been written recently about the preponderance of lost and missing participants. This predicament, one of the many offshoots of [the problem of too many small accounts](https://www.benefitnews.com/opinion/why-small-retirement-accounts-are-the-root-of-many-problems), is an urgent one for sponsors to address given reports that the Department of Labor (DOL) is focusing on their ability to locate missing participants during plan audits. [Read More](https://blog.rch1.com/blog/encouraging-401k-account-consolidation-is-the-key-to-reducing-lost-missing-participants) Apr 17 2018 ## [DC Plan Sponsor Priorities Should Include Plugging Leakage, Enabling Auto Portability](https://blog.rch1.com/blog/dc-plan-sponsor-priorities-should-include-plugging-leakage-enabling-auto-portability) [![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/opinion/priorities-for-retirement-plan-sponsors-plugging-leakage-enabling-auto-portability)As we continue to make our way through the second quarter of 2018, now is a good time to reflect on defined contribution (DC) plan sponsor priorities for this year. The top priorities for these plan sponsors in 2018, [outlined in December 2017 by Mercer](https://www.mercer.com/newsroom/defined-contribution-plan-sponsor-priorities-for-2018.html), include: [Read More](https://blog.rch1.com/blog/dc-plan-sponsor-priorities-should-include-plugging-leakage-enabling-auto-portability) 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). [Read More](https://blog.rch1.com/blog/a-new-solution-to-tackle-the-old-problem-of-missing-participants) Dec 11 2017 ## [The Best Blueprint for Improving Retirement Security](https://blog.rch1.com/blog/the-best-blueprint-for-improving-retirement-security) [![EBN Logo](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage.jpg?width=200&name=ebnimage.jpg "EBN Logo")](https://www.benefitnews.com/opinion/a-blueprint-for-reuniting-orphaned-401-k-accounts-with-their-owners)Much has been written [in this column](https://www.benefitnews.com/opinion/auto-portability-helps-everybody-and-hurts-nobody) and elsewhere about the benefits that auto portability, and seamless plan-to-plan portability in general, can provide to millions of retirement-savers across America. As any entrepreneur can testify, it is challenging to initiate a major innovation, and then persevere through all the twists and turns along the road to widespread adoption. Fortunately for everyday Americans saving for retirement, there is already an established blueprint in place for launching a [nationwide, private-sector retirement clearinghouse that will enable auto portability](https://www.benefitnews.com/opinion/how-to-reunite-employees-with-their-old-401-k-accounts). [Read More](https://blog.rch1.com/blog/the-best-blueprint-for-improving-retirement-security) Page: [‹](https://blog.rch1.com/blog/topic/employee-benefit-news/page/3) [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) [6](https://blog.rch1.com/blog/topic/employee-benefit-news/page/6) [›](https://blog.rch1.com/blog/topic/employee-benefit-news/page/5) [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) - 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