--- title: RCH Consolidation Corner | Mandatory Distributions (3) description: Mandatory Distributions | 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) - 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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 (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. --- Sep 02 2015 ## [One Solution to Three Costly Retirement-Saving Mistakes](https://blog.rch1.com/blog/one-solution-to-three-costly-retirement-saving-mistakes) [![MarketWatch](https://blog.rch1.com/hs-fs/hubfs/Publications/MarketWatch/Logo/marketwatch-logo2.jpg?width=200&name=marketwatch-logo2.jpg "MarketWatch")](https://www.marketwatch.com/story/one-solution-to-three-costly-retirement-saving-mistakes-2015-09-02)In his September 2nd, 2015 [MarketWatch article *One Solution to Three Costly Retirement-Saving Mistakes*](http://www.marketwatch.com/story/one-solution-to-three-costly-retirement-saving-mistakes-2015-09-02), RCH’s CEO Spencer Williams provides insight as to why a majority of Americans are not very confident in their retirement readiness. Three costly mistakes consistently plague retirement savers:  1) leaving 401(k) accounts behind when changing jobs, 2) prematurely cashing out and 3) not informing prior employers’ retirement plan record-keepers about address changes. [Read More](https://blog.rch1.com/blog/one-solution-to-three-costly-retirement-saving-mistakes) Aug 11 2015 ## [Automatically Moving Mandatory Distributions Forward](https://blog.rch1.com/blog/automatically-moving-mandatory-distributions-forward) The Case for Automatically Moving Mandatory Distributions Forward The [mandatory distribution](https://www.rch1.com/mandatory-distributions)-to-[Safe Harbor IRA](https://www.rch1.com/safe-harbor-ira)plan feature as commonly utilized today was conceived in 2001 and launched in 2005 with good intentions, and for valid reasons. A mobile workforce, combined with a lack of retirement savings portability, had created a burgeoning problem for plan sponsors: an explosion of small-balance (less than $5,000) accounts left “stranded” in-plan, resulting in rampant cashouts, [missing participants,](https://www.rch1.com/missing-participants) uncashed distribution checks and the like. These problems only accelerated with the widespread adoption of auto enrollment, beginning in 2009.   [Read More](https://blog.rch1.com/blog/automatically-moving-mandatory-distributions-forward) Jun 16 2015 ## [How to Make Mandatory Distributions More Fiduciary Friendly](https://blog.rch1.com/blog/how-to-make-mandatory-distributions-more-fiduciary-friendly) [![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/how-to-make-mandatory-distributions-more-fiduciary-friendly)[Mandatory distributions](http://www.rch1.com/mandatory-distributions)from employer-sponsored plans are a creation of regulation—specifically, a section of ERISA that allows plan sponsors to distribute accounts with less than $5,000 out of a qualified plan and into a [safe harbor IRA](http://www.rch1.com/safe-harbor-ira). If plan sponsors follow the rules, they are protected from legal recourse, and the rules are simple: act in a fiduciary manner when choosing a provider for their program. However, that word—“fiduciary”—is often hard to define and can be interpreted in many ways, so it begs the question: “How does a sponsor best fulfill that responsibility in the context of a mandatory distribution program?” [Read More](https://blog.rch1.com/blog/how-to-make-mandatory-distributions-more-fiduciary-friendly) Apr 08 2015 ## [Alicia Munnell: "Clearinghouse for Small 401(k) Accounts a Good Idea"](https://blog.rch1.com/blog/alicia-munnell-clearinghouse-for-small-401k-accounts-a-good-idea) [![MarketWatch](https://blog.rch1.com/hs-fs/hubfs/Publications/MarketWatch/Logo/marketwatch-logo2.jpg?width=200&name=marketwatch-logo2.jpg "MarketWatch")](https://www.marketwatch.com/story/a-clearinghouse-for-small-401k-accounts-2015-04-08)In her 4/8/15 MarketWatch article, Alicia Munnell -- Boston College's Director, Center for Retirement Research -- comes down squarely in favor of a clearinghouse for the nation's 401(k) system, [solving the dual problems of forced transfers](http://www.rch1.com/automatic-rollovers) (less than $5,000) and multiple retirement savings accounts. Ms. Munnell cites the efforts of [RCH in developing workable solutions](http://www.rch1.com/institutions-plan-sponsors), as well as the progress made by [Spencer Williams](http://www.rch1.com/corporate-profile/management-team/j-spencer-williamspresident-and-ceo) and [Tom Johnson](http://www.rch1.com/corporate-profile/management-team/e-thomas-johnson-jrhead-of-business-development) in advancing awareness and influencing public policy. [Read More](https://blog.rch1.com/blog/alicia-munnell-clearinghouse-for-small-401k-accounts-a-good-idea) Mar 16 2015 ## [Why Dump Mandatory Distributions in a Landfill When You Can Recycle?](https://blog.rch1.com/blog/why-dump-mandatory-distributions-in-a-landfill-when-you-can-recycle) [![Employee Benefit News](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage.jpg?width=200&name=ebnimage.jpg "Employee Benefit News")Mandatory distributions](https://www.benefitnews.com/opinion/why-dump-mandatory-distributions-in-a-landfill-when-you-can-recycle) of small 401(k) accounts when participants separate from service provide many benefits for plan sponsors, including lower administrative costs and higher average account balances. However, these “[automatic rollovers](http://www.rch1.com/automatic-rollovers)” also indirectly cause billions of dollars to leak out of the U.S. retirement system every year through cash-outs. 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