--- title: RCH Consolidation Corner | Employee Benefit News (5) description: Employee Benefit News | Keep up to date on all of the latest industry news with RCH1 (5) --- [![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 (5) ### 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 01 2017 ## [How to Contain the Damage from the Small-Account Explosion](https://blog.rch1.com/blog/how-to-contain-the-damage-from-the-small-account-explosion) [![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/how-to-reunite-employees-with-their-old-401-k-accounts)Much has been written about the proliferation of small accounts in our nation’s retirement system, and [the problems that this explosion has created](https://www.benefitnews.com/opinion/why-small-retirement-accounts-are-the-root-of-many-problems). A primary solution to the small-account quandary that I have frequently advocated in this column is auto portability. [Read More](https://blog.rch1.com/blog/how-to-contain-the-damage-from-the-small-account-explosion) Oct 05 2017 ## [‘May Day, May Day’: Locate your plan’s lost & missing participants before it’s too late](https://blog.rch1.com/blog/may-day-may-day-locate-your-plans-lost-and-missing-participants-before-its-too-late) [![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/why-cyberattacks-make-a-compelling-case-for-auto-portability)The recent hacking of Equifax, which potentially compromised the security of sensitive information for 143 million Americans, doesn’t just reinforce [the importance of cybersecurity](https://blog.rch1.com/blog/cybersecurity-meets-retirement-security). This cyberattack also makes a compelling case for the widespread adoption of auto portability. [Read More](https://blog.rch1.com/blog/may-day-may-day-locate-your-plans-lost-and-missing-participants-before-its-too-late) Aug 30 2017 ## [The Exit Bonus Employers Never Intended to Pay](https://blog.rch1.com/blog/the-exit-bonus-employers-never-intended-topay) [![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-exit-bonus-employers-never-intended-to-pay)Without [seamless plan-to-plan portability](https://www.benefitnews.com/opinion/why-retirement-portability-should-become-employers-next-big-focus) in place to preserve retirement savings when a participant changes jobs, many employers are unwittingly paying “exit bonuses” to terminated employees that they may never have intended to pay. [Read More](https://blog.rch1.com/blog/the-exit-bonus-employers-never-intended-topay) Aug 09 2017 ## [Small Accounts: The Root of Many Problems](https://blog.rch1.com/blog/small-accounts-the-root-of-many-problems) [![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/why-small-retirement-accounts-are-the-root-of-many-problems)If you’re like most homeowners during these dog days of summer, you’re not just basking in the sunshine or swimming in the pool with your family. You also have a fight on your hands—the war against the dandelions that invade and attempt to occupy your entire lawn every year at this time. [Read More](https://blog.rch1.com/blog/small-accounts-the-root-of-many-problems) Jul 05 2017 ## [Rising Healthcare Costs Necessitate Healthy Retirement-Saving Habits](https://blog.rch1.com/blog/rising-healthcare-costs-necessitate-healthy-retirement-saving-habits) [![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/rising-healthcare-costs-necessitate-healthy-retirement-saving-habits)If you think of retirement savings as a key part of a healthy retirement, then anyone who has prematurely cashed out 401(k) savings during their working life has suffered a compound fracture that will require several stages of therapy to fully rehabilitate. But a cash-out isn’t the only impediment to a financially secure retirement for these hardworking Americans. [Read More](https://blog.rch1.com/blog/rising-healthcare-costs-necessitate-healthy-retirement-saving-habits) May 22 2017 ## [The Rallying Cry for Improving Financial Wellness: ‘Eradicate Cash-Out Leakage In Our Time!’](https://blog.rch1.com/blog/eradicate-cash-out-leakage-in-our-time) ![Employee Benefit News](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage.jpg?width=200&name=ebnimage.jpg "Employee Benefit News")Half a century ago, the global medical community united to wipe out smallpox, an infectious disease that afflicted mankind for millennia. In 1966, the World Health Organization (WHO) established the [Smallpox Eradication Programme](http://www.who.int/features/2010/smallpox/en/), which sent Western doctors to vaccinate the populations of nations and communities around the globe where smallpox was still rampant. No place where smallpox cases had been reported, or where the local population was not vaccinated, was overlooked by WHO medical teams, no matter how remote the village or how dangerous the journey. [Read More](https://blog.rch1.com/blog/eradicate-cash-out-leakage-in-our-time) Apr 26 2017 ## [Automatic Cash-Outs Undermine Efforts to Enhance Financial Wellness](https://blog.rch1.com/blog/automatic-cash-outs-undermine-efforts-to-enhance-financial-wellness) ![Employee Benefit News](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage.jpg?width=200&name=ebnimage.jpg "Employee Benefit News")In the spirit of Financial Literacy Month, retirement plan sponsors are to be commended for their commitment to enhance financial wellness among participants. In fact, 76% of employers offer financial health programs for employees, according to the seventh annual survey on corporate health and well-being conducted by Fidelity Investments and the National Business Group on Health® in 2016. [Read More](https://blog.rch1.com/blog/automatic-cash-outs-undermine-efforts-to-enhance-financial-wellness) Apr 06 2017 ## [Financial Wellness Requires Mending Fractured Retirement Savings](https://blog.rch1.com/blog/financial-wellness-requires-mending-fractured-retirement-savings) ![Employee Benefit News](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage.jpg?width=200&name=ebnimage.jpg "Employee Benefit News")If you’ve ever broken a bone—playing sports, engaging in outdoor activities, or even just from a slip and fall—it doesn’t take long before the pain signals that you need to go see a doctor, and the sooner the better. The friction encountered while moving a retirement savings account from an old-employer plan to a current-employer plan when changing jobs sends similar pain signals through most participants. With the Employee Benefit Research Institute (EBRI) indicating that the average participant will have 7.4 jobs in their adult working career, the risk of participants incurring a fracture in their retirement savings is very high. [Read More](https://blog.rch1.com/blog/financial-wellness-requires-mending-fractured-retirement-savings) Mar 02 2017 ## [Auto Portability Helps Everybody, and Hurts Nobody](https://blog.rch1.com/blog/auto-portability-helps-everybody-and-hurts-nobody) [![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-helps-everybody-and-hurts-nobody)“So, whose ox are you goring with auto portability?” This is what a senior, well-respected retirement policy official asked my team at a sit-down meeting in Washington, D.C. Over the course of her long career, she had heard innumerable proposals to correct the savings shortfall in the U.S. retirement system. Many of them had a downside for at least one constituency in the retirement services universe, and she assumed that auto portability had one too. [Read More](https://blog.rch1.com/blog/auto-portability-helps-everybody-and-hurts-nobody) Jan 13 2017 ## [This Year, Resolve to Debunk Two Common Retirement-Saving Myths for Participants](https://blog.rch1.com/blog/this-year-resolve-to-debunk-two-common-retirement-saving-myths-for-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/this-year-resolve-to-debunk-two-common-retirement-savings-myths)“A lie can travel halfway around the world while the truth is still putting on its shoes” is a quote often attributed to Mark Twain. The same is true of myths about saving for retirement, and retirement services professionals should take it to heart as we begin 2017. [Read More](https://blog.rch1.com/blog/this-year-resolve-to-debunk-two-common-retirement-saving-myths-for-participants) Page: [‹](https://blog.rch1.com/blog/topic/employee-benefit-news/page/4) [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) [7](https://blog.rch1.com/blog/topic/employee-benefit-news/page/7) [›](https://blog.rch1.com/blog/topic/employee-benefit-news/page/6) [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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