--- title: RCH Consolidation Corner | Leakage (6) description: Leakage | Keep up to date on all of the latest industry news with RCH1 (6) --- [![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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[Common Mistakes Sponsors Make](https://rch1.com/plan-sponsors/terminating-a-401k-plan/what-mistakes-do-plan-sponsors-make-when-terminating-401k-plans) - [What to Look for in a Service Provider](https://rch1.com/plan-sponsors/terminating-a-401k-plan/what-to-look-for-in-a-terminating-401k-service-provider) - [Get More Information](https://rch1.com/plan-sponsors/terminating-a-401k-plan/get-more-information-on-terminating-plans) - [RCH's Terminating Plan Service](https://rch1.com/plan-sponsors/terminating-a-401k-plan/plan-termination-services) - [Participant Testimonials](https://rch1.com/plan-sponsors/participant-testimonials) - [Due Diligence Material](https://rch1.com/plan-sponsors/due-diligence-material) - [Contact Us](https://rch1.com/plan-sponsors/contact-us) - [Accountholders](https://rch1.com/individuals) - [Individuals Home](https://rch1.com/individuals) - [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) - 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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 (6) ### 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. --- Oct 02 2017 ## [Why Consolidation Should Top the List of Initiatives for Plan Sponsors in 2018](https://blog.rch1.com/blog/why-consolidation-should-top-the-list-of-initiatives-for-plan-sponsors-in-2018) ![Consolidation should top list of initiatives for Plan Sponsors 2018](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/CC%20Blog-%20NR%20-%20consolidation%20should%20top%20list%20of%20initiatives%20for%20PS%202018%20SM%20Square.png?width=200&name=CC%20Blog-%20NR%20-%20consolidation%20should%20top%20list%20of%20initiatives%20for%20PS%202018%20SM%20Square.png "Consolidation should top list of initiatives for Plan Sponsors 2018")Today, it’s commonly-accepted practice for retirement plan sponsors to focus on three major initiatives to promote retirement adequacy: participation, saving and diversification. While these three initiatives are proven, an emerging best practice is for plan sponsors to expand this list, incorporating ***consolidation***, where plan participants are encouraged to consolidate balances from former employers’ plans, using their current-employer’s plan to manage their retirement savings. [Read More](https://blog.rch1.com/blog/why-consolidation-should-top-the-list-of-initiatives-for-plan-sponsors-in-2018) Sep 18 2017 ## [The Explosion of Small 401(k) Accounts](https://blog.rch1.com/blog/the-massive-explosion-of-small-401k-accounts) ![Small 401K Account Problems](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/small401kaccountexplosionSM.png?width=200&name=small401kaccountexplosionSM.png "Small 401K Account Problems")It’s generally accepted that the small-balance accounts of terminated 401(k) plan participants have been a problem for plan sponsors, resulting in increased plan costs, fiduciary risk and other ancillary problems, such as missing participants and uncashed distribution checks. Now, based on new information from EBRI and other sources, we’re learning that small accounts are a large and growing problem for active participants as well. [Read More](https://blog.rch1.com/blog/the-massive-explosion-of-small-401k-accounts) Aug 22 2017 ## [Five Ways to Make Retirement Savings Portability a Priority in 2018](https://blog.rch1.com/blog/five-ways-to-make-retirement-savings-portability-a-priority-in-2018) ![2018 Calendar](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/2018%20Calendar.png?width=200&name=2018%20Calendar.png "2018 Calendar")It’s become widely-accepted that retirement savings portability is proven to address the [small account problem](https://blog.rch1.com/blog/small-accounts-the-root-of-many-problems) for 401(k) plan sponsors, as well as preserve participants’ savings currently lost to [cashout leakage](https://blog.rch1.com/blog/the-fundamentals-of-401k-cashout-leakage). However, the concept of retirement savings portability is relatively new. At year’s end, most plan sponsors’ attention will be focused on other plan design issues, such as auto enrollment/escalation, the lineup of investment options, enrollment, education, retirement income solutions and so forth.  [Read More](https://blog.rch1.com/blog/five-ways-to-make-retirement-savings-portability-a-priority-in-2018) Jul 20 2017 ## [Washington Recognizes Need for Retirement Plan Portability Solutions – Part 2](https://blog.rch1.com/blog/washington-recognizes-need-for-retirement-plan-portability-solutions-part-2) ![Capitol Hill Historic DC District Independence Ave Street Sign](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/Capitol_Hill_HD_sign_at_500_Independence_Ave_SE_-_Washington_DC.jpg?width=200&name=Capitol_Hill_HD_sign_at_500_Independence_Ave_SE_-_Washington_DC.jpg "Capitol Hill Historic DC District Independence Ave Street Sign")In January 2016, this blog published [a post](https://blog.rch1.com/blog/washington-recognizes-retirement-plan-portability-frictions-need-for-solutions) on the November 2015 [letter](https://www.help.senate.gov/ranking/newsroom/press/murray-leads-bicameral-letter-urging-guidance-on-innovations-to-help-workers-retain-retirement-savings-between-jobs) from Senator Patty Murray (D–WA) of the Senate HELP committee, signed by a bicameral group of Congressional members, urging then Department of Labor (DOL) Secretary Thomas Perez to encourage the DOL’s Employee Benefits Security Administration to issue guidance on [auto portability](https://www.rch1.com/auto-portability). [Read More](https://blog.rch1.com/blog/washington-recognizes-need-for-retirement-plan-portability-solutions-part-2) Jun 29 2017 ## [Plug the Leaks Before Expanding Access to Defined Contribution Plans](https://blog.rch1.com/blog/plug-the-leaks-before-expanding-access-to-defined-contribution-plans) ![Preserved Savings 401K Access](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/Soliser_Viaduct_Access_Gap.png?width=200&name=Soliser_Viaduct_Access_Gap.png "Preserved Savings 401K Access")In recent months, our attention has been drawn to some deserving public policy initiatives that would dramatically expand access to workplace retirement savings accounts and address the “access gap” encountered by millions of American workers who are presently offered no such option. [Read More](https://blog.rch1.com/blog/plug-the-leaks-before-expanding-access-to-defined-contribution-plans) Jun 08 2017 ## [Auto Portability: Who Will Benefit?](https://blog.rch1.com/blog/auto-portability-who-will-benefit) ![Auto Portability Benefits](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/AP_Benefits.png?width=200&name=AP_Benefits.png "Auto Portability Benefits")[Auto Portability](http://www.rch1.com/auto-portability) is the routine, standardized and automated movement of an inactive participant’s retirement account from a former employer’s retirement plan to their active account in a new employer’s plan. By dramatically reducing cashouts and improving retirement readiness, Auto Portability will deliver broad benefits to America’s defined contribution system, its participants and to the entire American economy. But who benefits from Auto Portability, and how?  [Read More](https://blog.rch1.com/blog/auto-portability-who-will-benefit) Jun 01 2017 ## [The Fundamentals of 401(k) Cashout Leakage](https://blog.rch1.com/blog/the-fundamentals-of-401k-cashout-leakage) **![The Fundamentals of 401(k) Cashout Leakage video](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/Cashout_Leakage_Dam.png?width=200&name=Cashout_Leakage_Dam.png "The Fundamentals of 401(k) Cashout Leakage video")How Big is the 401(k) Cashout Leakage Problem?**  We’ve known for some years now that 401(k) cashout leakage is a very big problem, but have lacked a thorough understanding of its many dimensions.  [Read More](https://blog.rch1.com/blog/the-fundamentals-of-401k-cashout-leakage) 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) May 17 2017 ## [EBRI Policy Forum Delivers Latest Research on Auto Portability (Video)](https://blog.rch1.com/blog/ebri-policy-forum-delivers-latest-research-on-auto-portability) ![Employee Benefit Research Institute 80th Policy Forum](https://blog.rch1.com/hs-fs/hubfs/Publications/EBRI/ebri-r-org_logo_2c.png?width=200&name=ebri-r-org_logo_2c.png "Employee Benefit Research Institute 80th Policy Forum")On Thursday, May 11th, the [Employee Benefit Research Institute (EBRI)](http://www.ebri.org) conducted their 80th Policy Forum.   [Read More](https://blog.rch1.com/blog/ebri-policy-forum-delivers-latest-research-on-auto-portability) May 12 2017 ## [Announcing the National Retirement Savings Cash Out Clock](https://blog.rch1.com/blog/rch-announces-the-national-cashout-clock) ![National Retierement Savings Cash Out Clock](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Consolidation_Corner/Cashout_Clock_Billboard_Outdoors.png?width=200&name=Cashout_Clock_Billboard_Outdoors.png "National Retierement Savings Cash Out Clock")In 1989, New York real estate developer Seymour Durst wanted to highlight America’s rising national debt, and came up with an idea: the [National Debt Clock](https://en.wikipedia.org/wiki/National_Debt_Clock). Since then, the National Debt Clock has had a physical presence as a billboard near Times Square, serving as a constant reminder to Americans of their government’s ever-growing debt.  [Read More](https://blog.rch1.com/blog/rch-announces-the-national-cashout-clock) Page: [‹](https://blog.rch1.com/blog/topic/leakage/page/5) [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) › [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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