--- title: RCH Consolidation Corner | Mandatory Distributions (2) description: Mandatory Distributions | Keep up to date on all of the latest industry news with RCH1 (2) --- [![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 # Mandatory Distributions (2) ### 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. --- Jan 13 2023 ## [The Big Shift Towards Auto Portability](https://blog.rch1.com/blog/the-big-shift-towards-auto-portability) ![the\_big\_shift](https://blog.rch1.com/hs-fs/hubfs/the_big_shift.png?width=200&height=113&name=the_big_shift.png)To quote Ferris Bueller: “Life moves pretty fast. If you don't stop and look around once in a while, you could miss it.” For those accustomed to a glacial pace of change in the world of retirement, you could be forgiven if you’ve missed two very recent, tectonic shifts toward the system-wide adoption of auto portability, the new default plan feature that automatically moves small balance retirement savings forward as participants change employers, saving them time and money, while dramatically reducing cashout leakage. [Read More](https://blog.rch1.com/blog/the-big-shift-towards-auto-portability) Aug 16 2018 ## [A Tale of Two 401(k) Balance Segments](https://blog.rch1.com/blog/a-tale-of-two-401k-balance-segments) ![A Tale of Two 401k Balance Segments](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/A%20Tale%20of%20Two%20401k%20Balance%20Segments.png?width=200&name=A%20Tale%20of%20Two%20401k%20Balance%20Segments.png)It was the best of times, it was the worst of times.  For job-changing 401(k) participants with balances greater than $15,000, it was the spring of financial wellness, as the bulk of their retirement savings would remain intact.  For less-aristocratic 401(k) savers with balances below $15,000, it was the winter of despair, as most of their savings would be lost on the cashout chopping block or forcibly exiled to a safe harbor IRA, where more savings would perish. [Read More](https://blog.rch1.com/blog/a-tale-of-two-401k-balance-segments) May 10 2018 ## [Missing Participants: An Ounce of Prevention Equals a Pound of Cure](https://blog.rch1.com/blog/missing-participants-an-ounce-of-prevention-equals-a-pound-of-cure) ![Ben\_Franklin](https://blog.rch1.com/hs-fs/hubfs/Ben_Franklin.png?width=200&name=Ben_Franklin.png)When Ben Franklin coined the adage “an ounce of prevention is worth a pound of cure” he wasn’t considering the problem of missing participants, but 401(k) plan sponsors would be wise to heed Ben’s sage advice.   Today, plan sponsors face an explosion of [missing participants](https://blog.rch1.com/blog/bringing-clarity-to-the-murky-problem-of-missing-participants), driven by the ongoing adoption of auto enrollment and increasing workforce mobility.  Their problems are further compounded by the administrative burden required to locate them, combined with a regulatory minefield that offers little guidance and is prone to taking inconsistent enforcement actions.   [Read More](https://blog.rch1.com/blog/missing-participants-an-ounce-of-prevention-equals-a-pound-of-cure) Dec 28 2017 ## [The Most Urgent New Year’s Resolutions for Plan Sponsors](https://blog.rch1.com/blog/the-most-urgent-new-years-resolutions-for-plan-sponsors) ![Three 2018 Resolutions](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/three_2018_resolutions.png?width=200&name=three_2018_resolutions.png "Three 2018 Resolutions")How are you hoping to improve yourself in 2018? The most common New Year’s resolutions usually have to do with personal appearance, health, or behavior—losing weight, exercising more, dieting, quitting smoking, etc. Popular polls indicate that many of us are after a slimmer, fitter body for ourselves after each New Year’s Day. Similarly, defined contribution plan sponsors are likely thinking about how they can make their plans more attractive and streamlined in 2018. [Read More](https://blog.rch1.com/blog/the-most-urgent-new-years-resolutions-for-plan-sponsors) Mar 14 2017 ## [The Stealth Solution to America’s Retirement Savings Crisis](https://blog.rch1.com/blog/the-stealth-solution-to-americas-retirement-savings-crisis) ![Auto Portability Radar Screen](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/radar_screen.png?width=200&name=radar_screen.png "Auto Portability Radar Screen")Over the past year, the Department of Labor’s Fiduciary Rule has been highly-visible, presenting major ramifications for the retirement industry and looming large on the radar screens of retirement services providers.   The underlying rationale for the rule, as stated by the Obama administration in an April 6, 2016 [press briefing](https://obamawhitehouse.archives.gov/the-press-office/2016/04/06/fact-sheet-middle-class-economics-strengthening-retirement-security), was to save retirement investors $17 billion per year in lost retirement savings that result from conflicts of interest in retirement advice. Certainly, anything that protects $17 billion in retirement savings is a worthy goal, if it helps more Americans meet their retirement income needs. However, there’s a larger hole in our retirement system – cash-out leakage – that inflicts far greater harm to American retirement savers, yet this threat continues to fly beneath our collective radar.    [Read More](https://blog.rch1.com/blog/the-stealth-solution-to-americas-retirement-savings-crisis) Feb 16 2017 ## [Incubate Small Retirement Accounts, Don’t Throw Them Away](https://blog.rch1.com/blog/incubate-small-retirement-accounts-dont-throw-them-away) ![Auto Portability Win-Win Solution](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Consolidation_Corner/win-win.png?width=200&name=win-win.png "Auto Portability Win-Win Solution")On February 3rd, the [U.S. Chamber of Commerce](https://www.uschamber.com), the world’s largest business federation representing the interests of more than 3 million businesses, released [Securing America’s Retirement](http://www.centerforcapitalmarkets.com/wp-content/uploads/2013/08/US-Chamber-Securing-Americas-Retirement-A-Legislative-Roadmap.pdf?x48633), their legislative roadmap aimed at strengthening the U.S. retirement system. The Chamber’s goals are admirable. [Read More](https://blog.rch1.com/blog/incubate-small-retirement-accounts-dont-throw-them-away) Aug 09 2016 ## [Why Small Balance Cash Outs Are Falling Through the Cracks](https://blog.rch1.com/blog/why-small-balance-cash-outs-are-falling-through-the-cracks) ![Market Share by Numbers](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/SBCOfall.jpg?width=200&name=SBCOfall.jpg "Market Share by Numbers")According to the recently released [2016 Willis Towers Watson U.S. Retirement Governance Survey](https://www.willistowerswatson.com/en/insights/2016/05/strategies-in-retirement-plan-governance), a major trend in retirement plan governance is the growing concern employers have for employees’ retirement benefit adequacy and financial well-being. To address this concern, sponsors indicated plans to increase monitoring of participant behaviors, using metrics such as plan participation and contribution rates, as well as carefully tracking the performance of their plans’ investment managers. [Read More](https://blog.rch1.com/blog/why-small-balance-cash-outs-are-falling-through-the-cracks) Oct 27 2015 ## [Force Outs: Recycle v. Landfill](https://blog.rch1.com/blog/force-outs-recycle-v-landfill) ![Safe Harbor IRA Landfill vs. RCH Recycle 401k Consolidation Auto Portability](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/RCH_Images/Landfill_to_Recycle.png?width=200&name=Landfill_to_Recycle.png "Safe Harbor IRA Landfill vs. RCH Recycle 401k Consolidation Auto Portability")Every day, we’re reminded that recycling is the responsible thing to do:  from the recycling bins we walk by, to the paper we use, and the cans and bottles that we drink from.   All of us would agree that conservation of our precious resources is critical, so we gladly pitch in and do our part. [Read More](https://blog.rch1.com/blog/force-outs-recycle-v-landfill) Sep 29 2015 ## [A Blueprint for Lifetime Participation in Plans](https://blog.rch1.com/blog/a-blueprint-for-lifetime-participation-in-plans) [![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/a-blueprint-for-lifetime-participation-in-401-k-plans)How many of us will be so fortunate as to participate in an employer-sponsored retirement plan every day of our working careers? Or, for an even more uncommon scenario, how many of us will work for the same company for 30 or 40 years? Yet, as has been amply established by the Employee Benefit Research Institute (EBRI), those who can raise their hands and respond “yes” to either of these questions routinely show up in the top decile of savers who are well-prepared for retirement—and these participants provide a clear blueprint for retirement-saving success. [Read More](https://blog.rch1.com/blog/a-blueprint-for-lifetime-participation-in-plans) Sep 21 2015 ## [Deadlines for Year-End Plan Terminations, Mandatory Distributions Fast Approaching](https://blog.rch1.com/blog/deadlines-for-year-end-plan-terminations-mandatory-distributions-fast-approaching) At Retirement Clearinghouse (RCH), the 4th quarter is the busiest time of the year, as many plan sponsors look to complete plan terminations and mandatory distributions before the end of the year. However, to follow appropriate communication timeframes, deadlines to initiate the necessary communications process needed to complete these year-end plan initiatives are fast approaching. [Read More](https://blog.rch1.com/blog/deadlines-for-year-end-plan-terminations-mandatory-distributions-fast-approaching) Page: [‹](https://blog.rch1.com/blog) [1](https://blog.rch1.com/blog) [2](https://blog.rch1.com/blog/topic/mandatory-distributions/page/2) [3](https://blog.rch1.com/blog/topic/mandatory-distributions/page/3) [›](https://blog.rch1.com/blog/topic/mandatory-distributions/page/3) [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) - [Auto Enrollment](https://blog.rch1.com/blog/topic/auto-enrollment) - [Auto Portability](https://blog.rch1.com/blog/topic/auto-portability) - 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