--- title: RCH Consolidation Corner | How-To description: How-To | 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) - [Cash Out Calculator](https://rch1.com/individuals/cash-out-calculator) - 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[Best Practices for Finding Missing Participants](https://rch1.com/plan-sponsors/addressing-the-problem-of-missing-participants/best-practices-for-finding-missing-participants) - [What to Look For in a Search Service](https://rch1.com/plan-sponsors/addressing-the-problem-of-missing-participants/what-to-look-for-in-a-missing-participant-search-service) - [Learn More About Missing Participants](https://rch1.com/plan-sponsors/addressing-the-problem-of-missing-participants/learn-more-about-missing-participants) - [RCH's Missing Participant Search Service](https://rch1.com/plan-sponsors/addressing-the-problem-of-missing-participants/the-rch-missing-participant-search-service) - [Terminating 401(k) Plans](https://rch1.com/plan-sponsors/terminating-a-401k-plan) - [Why 401(k) Plans Terminate](https://rch1.com/plan-sponsors/terminating-a-401k-plan/why-do-401k-plans-terminate) - [The Process for Terminating 401(k) Plans](https://rch1.com/plan-sponsors/terminating-a-401k-plan/what-is-the-process-for-terminating-a-401k-plan) - 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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 # How-To ### 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. --- Jul 15 2025 ## [It’s The Final Countdown for 401(k) Plan Terminations](https://blog.rch1.com/blog/its-the-final-countdown-for-2021-401k-plan-terminations)   ![Term\_plan\_final\_countdown](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/Term_plan_final_countdown.png?width=200&name=Term_plan_final_countdown.png)As we draw nearer to the 4th quarter of the calendar year, many plan sponsors – for a variety of reasons – are faced with the prospect of a 401(k) plan termination.  For most, this will be the first -- and only -- time that they’ll undertake this important project.  If you’re facing a plan termination in the current calendar year, time is not on your side.  A properly-conducted plan termination can take up to 2-3 months from start-to-finish, and requires significant planning, flawless execution and lots of attention to detail.  [Read More](https://blog.rch1.com/blog/its-the-final-countdown-for-2021-401k-plan-terminations) May 26 2023 ## [Five Tips for Documenting Missing Participant Searches](https://blog.rch1.com/blog/five-tips-for-documenting-missing-participant-searches) ![MP Documentation](https://blog.rch1.com/hs-fs/hubfs/MP%20Documentation.png?width=200&height=198&name=MP%20Documentation.png)If a tree falls in the forest, does it make a sound? Opinions are split on this weighty philosophical matter, but a more-definitive answer to another question may surprise you. If a search for a [missing participant](https://rch1.com/missing-participants) is not properly documented, is it a diligent search? To [regulatory authorities who may scrutinize a plan sponsor’s search efforts](https://rch1.com/plan-sponsors/addressing-the-problem-of-missing-participants/what-regulations-apply-to-missing-participants), the answer is decidedly “no.” For a regulator to consider a search to be diligent, it must be well-documented, and to do otherwise can result in audits, penalties and increased fiduciary risk. [Read More](https://blog.rch1.com/blog/five-tips-for-documenting-missing-participant-searches) Sep 07 2018 ## [Three Unique 401(k) Hacks for National 401(k) Day](https://blog.rch1.com/blog/three-unique-401k-hacks-for-national-401k-day) ![Three 401k Hacks](https://blog.rch1.com/hs-fs/hubfs/Three%20401k%20Hacks.jpg?width=200&name=Three%20401k%20Hacks.jpg)In observance of National 401(k) Day, we’ve compiled three unique 401(k) “hacks” – simple but clever tips for managing your retirement savings more easily and efficiently. [Read More](https://blog.rch1.com/blog/three-unique-401k-hacks-for-national-401k-day) Mar 31 2016 ## [Account consolidation time-consuming, expensive for employees](https://blog.rch1.com/blog/account-consolidation-time-consuming-expensive-for-employees) ![Employee Benefit News](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage.jpg?width=200&name=ebnimage.jpg "Employee Benefit News")As has happened so many times before, the Baby Boomer generation is once again drawing attention to an unmet need: a seamless way to consolidate their collection of retirement accounts into a single account, which is a necessary step to creating a sturdy retirement plan. Much has been written about how sponsors can improve both their plans’ overall health and their participants’ retirement outcomes by [embracing roll-ins](http://www.benefitnews.com/opinion/401-k-plan-sponsors-can-pay-it-forward-by-embracing-roll-ins); nonetheless, the account-consolidation process remains time-consuming and expensive for most participants. [Read More](https://blog.rch1.com/blog/account-consolidation-time-consuming-expensive-for-employees) Feb 25 2016 ## [DC Plan Termination Video Series Part 3: Five Criteria for Selecting a Services Provider](https://blog.rch1.com/blog/dc-plan-termination-educational-video-series-part-3-five-criteria-for-selecting-a-services-provider) ![DCPT 2025 pt3 071825](https://blog.rch1.com/hs-fs/hubfs/DCPT%202025%20pt3%20071825.png?width=200&height=113&name=DCPT%202025%20pt3%20071825.png)Retirement Clearinghouse (RCH) is pleased to offer a three-part series of educational videos on plan terminations. 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! [Read More](https://blog.rch1.com/blog/dc-plan-termination-educational-video-series-part-3-five-criteria-for-selecting-a-services-provider) Feb 19 2016 ## [DC Plan Termination Video Series Part 2: Common Mistakes Plan Sponsors Make](https://blog.rch1.com/blog/dc-plan-termination-educational-video-series-part-2-common-mistakes-plan-sponsors-make) ![DCPT 2025 pt2 071825](https://blog.rch1.com/hs-fs/hubfs/DCPT%202025%20pt2%20071825.png?width=200&height=113&name=DCPT%202025%20pt2%20071825.png)Retirement Clearinghouse (RCH) is pleased to offer a three-part series of educational videos on plan terminations. 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! [Read More](https://blog.rch1.com/blog/dc-plan-termination-educational-video-series-part-2-common-mistakes-plan-sponsors-make) Feb 12 2016 ## [DC Plan Termination Video Series Part 1: 1 Project, 5 Phases](https://blog.rch1.com/blog/dc-plan-termination-educational-video-series-part-1) ![DCPT 2025 pt1 071825](https://blog.rch1.com/hs-fs/hubfs/DCPT%202025%20pt1%20071825.png?width=200&height=113&name=DCPT%202025%20pt1%20071825.png)Retirement Clearinghouse (RCH) is pleased to offer the first educational video of a three-part series on DC plan terminations, presented by Mike Wilder, RCH’s Senior Vice President, Strategic Accounts. 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!  [Read More](https://blog.rch1.com/blog/dc-plan-termination-educational-video-series-part-1) Feb 17 2015 ## [DIY Plan-To-Plan Portability Is Harder Than You Think](https://blog.rch1.com/blog/diy-plan-to-plan-portability-is-harder-than-you-think) [![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/diy-plan-to-plan-portability-is-harder-than-you-think)Have you ever tried to fix a leaky kitchen faucet yourself? If so, the task probably seemed simple at the outset. However, if you’re not an experienced plumber, you may have inadvertently compounded the small problem of a leak — perhaps by over-tightening a nut, pinching the washer, stripping the threads, or worst of all, splitting the pipe — and unintentionally made the situation worse, as well as expensive to fix. 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