--- title: RCH Consolidation Corner | Leakage (3) description: Leakage | Keep up to date on all of the latest industry news with RCH1 (3) --- [![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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[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 # Leakage (3) ### 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. --- Apr 01 2023 ## [Financial Literacy Can Help Close the Minority Wealth Gap for Retirement Savings](https://blog.rch1.com/blog/financial-literacy-can-help-close-the-minority-wealth-gap-for-retirement-savings) [![ebnimage](https://blog.rch1.com/hs-fs/hubfs/ebnimage.jpg?width=200&name=ebnimage.jpg)](https://www.benefitnews.com/advisers/opinion/financial-literacy-can-close-the-minority-wealth-gap-for-retirement-savings)Knowledge is power, as the saying goes. As Americans observe another Financial Literacy Month, members of the retirement services industry have an opportunity to pause and think about how they can help [empower more people](https://www.benefitnews.com/opinion/how-financial-wellness-programs-can-encourage-employee-participation-in-retirement-savings) to achieve a financially secure retirement. [Read More](https://blog.rch1.com/blog/financial-literacy-can-help-close-the-minority-wealth-gap-for-retirement-savings) Mar 10 2023 ## [A Renaissance for Auto Enrollment](https://blog.rch1.com/blog/a-renaissance-for-auto-enrollment) ![AE Renaissance](https://blog.rch1.com/hs-fs/hubfs/AE%20Renaissance.png?width=200&height=133&name=AE%20Renaissance.png)After making great strides following the Pension Protection Act of 2006 (PPA), adoption of auto enrollment has continued to build slowly but steadily in recent years. According to [DOL Form 5500 data](https://www.dol.gov/agencies/ebsa/about-ebsa/our-activities/public-disclosure/foia/form-5500-datasets), by 2021 the feature has been adopted by plan sponsors housing almost 50% of total 401(k) participant accounts. [Read More](https://blog.rch1.com/blog/a-renaissance-for-auto-enrollment) Jan 04 2023 ## [A No-Brainer Benefit that Advisors can Bring to Plan-Sponsor Clients](https://blog.rch1.com/blog/a-no-brainer-benefit-that-advisors-can-bring-to-plan-sponsor-clients) [![ebnimage](https://blog.rch1.com/hs-fs/hubfs/ebnimage.jpg?width=200&name=ebnimage.jpg)](https://www.benefitnews.com/advisers/opinion/boost-retirement-plan-assets-through-auto-portability)The passage of the Securing a Strong Retirement Act of 2022 (known as “SECURE 2.0”) reinforces the [bipartisan commitment](https://www.benefitnews.com/opinion/auto-portability-is-and-always-will-be-a-bipartisan-solution) in Congress to helping Americans save more for retirement. Signed into law as part of a $1.7 trillion omnibus spending bill signed by President Biden on December 29, the legislation includes a variety of provisions, including the expansion of automatic enrollment in 401(k) and 403(b) plans. Fortuitously, SECURE 2.0 measures related to [auto portability](https://www.prnewswire.com/news-releases/robert-l-johnson-founder-of-the-rlj-companies-and-chairman-of-portability-services-network-lauds-congress-for-including-auto-portability-in-the-secure-2o-act-of-2022--as-part-of-the-omnibus-spending-bill-301710713.html) come shortly after the launch of an industry initiative to make auto portability—a technology solution that can operate in tandem with auto enrollment to optimize plan participants’ retirement outcomes—much more accessible to plan sponsors across the country. [Read More](https://blog.rch1.com/blog/a-no-brainer-benefit-that-advisors-can-bring-to-plan-sponsor-clients) Sep 07 2022 ## [401(k) Plans: An Ongoing Public-Private Partnership That Works](https://blog.rch1.com/blog/401k-plans-an-ongoing-public-private-partnership-that-works) ![401k Public-Private Partnership](https://blog.rch1.com/hs-fs/hubfs/401k%20Public-Private%20Partnership.png?width=200&name=401k%20Public-Private%20Partnership.png)The observance of [National 401(k) Day](https://www.psca.org/401k-day-resources) on Friday, September 9th is an opportunity to reflect on the long-running, highly successful public-private collaboration that has fostered the rapid ascendance of America’s 401(k) system. It’s my belief that this partnership will continue to drive innovations that will expand and improve the 401(k) system for millions of Americans – not only helping them to save more but preserving more of their savings for retirement. [Read More](https://blog.rch1.com/blog/401k-plans-an-ongoing-public-private-partnership-that-works) Apr 28 2022 ## [Key Portability Finding Located in EBRI's Retirement Confidence Survey](https://blog.rch1.com/blog/key-portability-finding-located-in-ebris-retirement-confidence-survey) ![Key Portability Finding Located](https://blog.rch1.com/hs-fs/hubfs/Key%20Portability%20Finding%20Located.png?width=200&name=Key%20Portability%20Finding%20Located.png)An interesting and valuable finding lies buried within EBRI’s 2022 Retirement Confidence Survey (RCS), but you won’t find it referenced in the organization’s initial report, officially released to the public on Thursday, April 28th. In an excerpt of a [report available to survey partners](https://blog.rch1.com/hubfs/Presentation_Decks/2022%20RCS%20Funder%20Report%203.28.22%20Excerpt.pdf#page=3), the RCS found that a plurality of job-changing 401(k) plan participants favored automatic plan-to-plan portability over consolidating their savings to an IRA, or leaving their savings behind in their former employer’s plan. This result comes on the heels of EBRI’s 2021 survey, which found that nearly [9 in 10 participants beli](https://rch1.com/blog/the-case-for-auto-portability-gets-stronger)[eved that auto portability would be valuable](https://rch1.com/blog/the-case-for-auto-portability-gets-stronger) to them. [Read More](https://blog.rch1.com/blog/key-portability-finding-located-in-ebris-retirement-confidence-survey) 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) Dec 13 2021 ## [Kennedy Townsend: Solving Portability and Cashout Leakage are a Key DOL Priority](https://blog.rch1.com/blog/kennedy-townsend-solving-portability-and-cashout-leakage-are-a-key-dol-priority) ![KKT_EBRI_Splash](https://blog.rch1.com/hs-fs/hubfs/KKT_EBRI_Splash.png?width=225&name=KKT_EBRI_Splash.png)On 12/6/21, the [Employee Benefit Research Institute (EBRI)](https://ebri.org) conducted day 1 of their [two-day 90th Annual Public Policy Forum](https://www.ebri.org/docs/default-source/policy-forum-documents/december-2021-materials/virtual-policy-forum-agenda-december-2021.pdf?sfvrsn=1c563b2f_26).  This forum’s theme was “A Path to a More Equitable Solution: Solving the Retirement Coverage Gap” and it seems to have been highly popular, as it broke EBRI’s previous record for forum attendance.  [Read More](https://blog.rch1.com/blog/kennedy-townsend-solving-portability-and-cashout-leakage-are-a-key-dol-priority) Aug 02 2021 ## [Senate Hearing Reveals Large Employer Support for Auto Portability](https://blog.rch1.com/blog/senate-hearing-reveals-large-employer-support-for-auto-portability) ![Senate_Finance_RSP](https://blog.rch1.com/hs-fs/hubfs/Senate_Finance_RSP.png?width=200&name=Senate_Finance_RSP.png)During testimony in a July 28th hearing held by the Senate Finance Committee ([Building on Bipartisan Retirement Legislation: How Can Congress Help?](https://www.finance.senate.gov/hearings/building-on-bipartisan-retirement-legislation-how-can-congress-help)), [Aliya Robinson](https://www.eric.org/newsroom/staff-bios/), Senior Vice President of Retirement and Compensation Policy for the [ERISA Advisory Committee (ERIC)](https://www.eric.org/), twice voiced her support for [auto portability](https://rch1.com/auto-portability), the new plan feature that automatically moves small balances to the new employer’s plan when participants change jobs. [Read More](https://blog.rch1.com/blog/senate-hearing-reveals-large-employer-support-for-auto-portability) May 12 2021 ## [A Big Problem: Another Leakage Study Reaches the Same Conclusion](https://blog.rch1.com/blog/a-big-problem-another-leakage-study-reaches-the-same-conclusion) ![Cashout_Leakage_Dam](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/Cashout_Leakage_Dam.png?width=200&name=Cashout_Leakage_Dam.png)Arriving with little fanfare, a recent study prepared by the Staff of the [Joint Committee on Taxation](https://www.jct.gov/), a nonpartisan committee of the United States Congress, confirms the findings of earlier research on cashout leakage – namely, that cashout leakage is a big problem, is driven by job changing, and is exacerbated by "forced distributions and \[a lack of\] portability of plans.” [Read More](https://blog.rch1.com/blog/a-big-problem-another-leakage-study-reaches-the-same-conclusion) Sep 16 2020 ## [Automated 401(k) Portability: An Idea Whose Time Has Come](https://blog.rch1.com/blog/automated-401k-portability-an-idea-whose-time-has-come) ![Nothing is More Powerful](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Nothing%20is%20More%20Powerful.png?width=200&name=Nothing%20is%20More%20Powerful.png)French author and poet Victor Hugo observed: “nothing is more powerful than an idea whose time has come.” In theory at least, plan-to-plan portability has always been a feature of our 401(k) system. In practice, it’s been completely impractical for all but a hardy few. The idea of automating 401(k) portability was the holy grail, a ‘moonshot’ generally believed to be impossible…until now. 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