--- title: RCH Consolidation Corner | Leakage (4) description: Leakage | 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) - [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 (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. --- 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. [Read More](https://blog.rch1.com/blog/automated-401k-portability-an-idea-whose-time-has-come) Sep 02 2020 ## [401(k) Plan Terminations Could Produce New Wave of Cashout Leakage](https://blog.rch1.com/blog/401k-plan-terminations-could-produce-new-wave-of-cashout-leakage) ![401k\_Plans\_Cashout\_Leakage](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/401k_Plans_Cashout_Leakage.png?width=200&name=401k_Plans_Cashout_Leakage.png)During the COVID-19 crisis, massive job losses combined with economic hardship and relaxed restrictions on withdrawals have created the conditions for a perfect storm of [401(k) cashout leakage](https://blog.rch1.com/blog/topic/401k-cash-outs). Unfortunately, this storm may soon gain more strength, when a surge in end-of-year 401(k) plan terminations could trigger a new flood of cashouts, as participants are forced to leave their former employers’ plans. [Read More](https://blog.rch1.com/blog/401k-plan-terminations-could-produce-new-wave-of-cashout-leakage) Jan 29 2020 ## [The New Age of DC Plan Portability](https://blog.rch1.com/blog/the-new-age-of-dc-plan-portability) ![The New Age](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/The%20New%20Age.png?width=200&name=The%20New%20Age.png)A [recent survey of defined contribution (DC) plan sponsors](https://www.callan.com/wp-content/uploads/2020/01/Callan-2020-DC-Trends-Survey.pdf) found that interest in retaining assets for retirement is on the rise. That finding, paired with [certain provisions of the SECURE Act of 2019](https://thehill.com/opinion/finance/479572-congress-has-welcome-news-for-americans-saving-for-retirement), suggests that DC plans are on a path to becoming “[decumulation vehicles](https://www.plansponsor.com/dc-plans-moving-become-decumulation-vehicles/)” for American retirees. While these developments are encouraging, persistently high levels of cashout leakage, increasing missing participants and other factors produce understandable pessimism regarding the future of DC plans.  [Read More](https://blog.rch1.com/blog/the-new-age-of-dc-plan-portability) Oct 21 2019 ## [Safe-Harbor IRAs are Supposed to be Temporary](https://blog.rch1.com/blog/safe-harbor-iras-are-supposed-to-be-temporary) [![Employee Benefit News Logo](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage.jpg?width=200&name=ebnimage.jpg)](https://www.benefitnews.com/opinion/safe-harbor-iras-should-not-be-a-long-term-retirement-solution)Fifteen years ago, when safe-harbor IRAs were first proposed as a destination for small, stranded 401(k) accounts that can be automatically rolled out of plans, then-U.S. Assistant Secretary of Labor Ann L. Combs spelled out what these investment vehicles were supposed to accomplish. [Read More](https://blog.rch1.com/blog/safe-harbor-iras-are-supposed-to-be-temporary) Sep 27 2019 ## [The Auto Portability Imperative](https://blog.rch1.com/blog/the-auto-portability-imperative) ![CashOutLeakageBridge](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/CashOutLeakageBridge.jpg?width=200&name=CashOutLeakageBridge.jpg) Cashout leakage, a long-standing problem in America’s defined contribution system, is a silent crisis that unnecessarily robs millions of Americans of a comfortable, timely or secure retirement. Plagued by misunderstanding and neglect, it’s vitally important to understand the problem and to take decisive action to curb it.   The fifth of a five-part series, this article addresses auto portability, a solution that not only makes sound business sense, but delivers a positive societal impact for the corporations adopting it. [Read More](https://blog.rch1.com/blog/the-auto-portability-imperative) Sep 16 2019 ## [The Most Promising Policies to Reduce 401(k) Cashout Leakage](https://blog.rch1.com/blog/the-most-promising-policies-to-reduce-401k-cashout-leakage) ![CashOutLeakageBridge](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/CashOutLeakageBridge.jpg?width=200&name=CashOutLeakageBridge.jpg)Cashout leakage, a long-standing problem in America’s defined contribution system, is a silent crisis that unnecessarily robs millions of Americans of a comfortable, timely or secure retirement. Plagued by misunderstanding and neglect, it’s vitally important to understand the problem and to take decisive action to curb it.  The fourth of a five-part series, this article addresses policies with the most promise to reduce the 401(k) cashout leakage problem.     [Read More](https://blog.rch1.com/blog/the-most-promising-policies-to-reduce-401k-cashout-leakage) Aug 21 2019 ## [The Magnitude of the 401(k) Cashout Leakage Problem](https://blog.rch1.com/blog/the-magnitude-of-401k-cashout-leakage) ![Cashout Leakage](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/CashOutLeakageBridge.jpg?width=200&name=CashOutLeakageBridge.jpg)Cashout leakage, a long-standing problem in America’s defined contribution system, is a silent crisis that unnecessarily robs millions of Americans of a comfortable, timely or secure retirement.  Plagued by misunderstanding and neglect, it’s vitally important to understand the problem and to take decisive action to curb it.  The third of a five-part series, this article addresses the magnitude of the 401(k) cashout leakage problem. [Read More](https://blog.rch1.com/blog/the-magnitude-of-401k-cashout-leakage) Jul 26 2019 ## [The Demographics of 401(k) Cashout Leakage](https://blog.rch1.com/blog/the-demographics-of-401k-cashout-leakage) ![Cashout Leakage](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/CashOutLeakageBridge.jpg?width=200&name=CashOutLeakageBridge.jpg)Cashout leakage, a long-standing problem in America’s defined contribution system, is a silent crisis that unnecessarily robs millions of Americans of a comfortable, timely or secure retirement.  Plagued by misunderstanding and neglect, it’s vitally important to understand the problem and to take decisive action to curb it. [Read More](https://blog.rch1.com/blog/the-demographics-of-401k-cashout-leakage) Jun 28 2019 ## [Spotlight on Cashout Leakage: The Fundamentals](https://blog.rch1.com/blog/spotlight-on-cashout-leakage-the-fundamentals) ![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)Cashout leakage, a long-standing problem in America’s defined contribution system, is a silent crisis that unnecessarily robs millions of Americans of a comfortable, timely or secure retirement.  Plagued by misunderstanding and neglect, it’s vitally important to understand the problem and to take decisive action to curb it. The first of a five-part series, this article addresses the fundamentals of cashout leakage. [Read More](https://blog.rch1.com/blog/spotlight-on-cashout-leakage-the-fundamentals) May 30 2019 ## [How Auto Portability Serves Participants’ Best Interests: Part 5](https://blog.rch1.com/blog/how-auto-portability-serves-participants-best-interests-part-5-auto-portability-mitigates-retirement-savings-cybersecurity-risks) ![AP\_definition\_best\_interests](https://blog.rch1.com/hs-fs/hubfs/AP_definition_best_interests.png?width=200&name=AP_definition_best_interests.png)In this series, I identify five key reasons why an auto portability program serves the best interests of plan participants. Previously:   In Part 1, I examined the [dramatically improved participant outcomes](https://blog.rch1.com/blog/how-auto-portability-serves-participants-best-interests-part-1-dramatically-improved-participant-outcomes) that will result from a program of auto portability.  In Part 2, I described how auto portability, by enhancing and extending automatic rollover programs, represents [an enhanced standard of participant care](https://blog.rch1.com/blog/how-auto-portability-serves-participants-best-interests-part-2).  In Part 3, I presented evidence that the adoption of auto portability could lead to a [reduction in plan expenses](https://blog.rch1.com/blog/how-auto-portability-serves-participants-best-interests-part-3-auto-portability-could-lower-plan-expenses).  In Part 4, I addressed how auto portability could [enhance 401(k) participants’ financial wellness](https://blog.rch1.com/blog/how-auto-portability-serves-participants-best-interests-part-4-auto-portability-enhances-participants-financial-wellness). In part 5, my final installment of the series, I explain how [auto portability](https://rch1.com/auto-portability) can mitigate retirement-related cybersecurity risks. [Read More](https://blog.rch1.com/blog/how-auto-portability-serves-participants-best-interests-part-5-auto-portability-mitigates-retirement-savings-cybersecurity-risks) Page: [‹](https://blog.rch1.com/blog/topic/leakage/page/3) [2](https://blog.rch1.com/blog/topic/leakage/page/2) [3](https://blog.rch1.com/blog/topic/leakage/page/3) [4](https://blog.rch1.com/blog/topic/leakage/page/4) [5](https://blog.rch1.com/blog/topic/leakage/page/5) [6](https://blog.rch1.com/blog/topic/leakage/page/6) [›](https://blog.rch1.com/blog/topic/leakage/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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