--- title: RCH Consolidation Corner | Missing Participants (4) description: Missing Participants | 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) - 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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 # Missing Participants (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. --- Jun 03 2021 ## [Re-Securing the Highest Purpose for a Retirement Savings Lost & Found](https://blog.rch1.com/blog/re-securing-the-highest-purpose-for-a-retirement-savings-lost-found) ![Highest Purpose](https://blog.rch1.com/hs-fs/hubfs/Highest%20Purpose.png?width=200&name=Highest%20Purpose.png)Past proposals for an Office of the Retirement Savings Lost and Found (“Lost & Found”) offered good examples of how the federal government could serve an important, ancillary role alongside the private sector in our nation’s 401(k) system. [Read More](https://blog.rch1.com/blog/re-securing-the-highest-purpose-for-a-retirement-savings-lost-found) Feb 12 2021 ## [This One Simple Trick Radically Boosts Financial Wellness!](https://blog.rch1.com/blog/this-one-simple-trick-radically-boosts-financial-wellness) **![One Simple Trick](https://blog.rch1.com/hs-fs/hubfs/One%20Simple%20Trick.png?width=200&name=One%20Simple%20Trick.png)401(k) Plan Sponsors:** How would you like to radically boost your participants’ financial wellness, increase your plan’s assets, reduce your plan’s costs, and prevent missing participants? Adopting this one simple and [proven](https://info.rch1.com/brg-white-paper) trick – retirement savings portability – delivers all this and more! [Read More](https://blog.rch1.com/blog/this-one-simple-trick-radically-boosts-financial-wellness) Feb 08 2021 ## [Missing Participants: Five Important Considerations for Plan Sponsors](https://blog.rch1.com/blog/missing-participants-five-important-considerations-for-plan-sponsors) ![Missing\_Carton\_Five\_Considerations](https://blog.rch1.com/hs-fs/hubfs/Missing_Carton_Five_Considerations.png?width=200&name=Missing_Carton_Five_Considerations.png)The problem of [missing participants](https://rch1.com/missing-participants) in employer-sponsored retirement plans is one of the most important, yet perplexing issues facing plan sponsors, and for good reason. Ensuring that participants (or their beneficiaries) receive their benefits is the essence of an employer’s fiduciary responsibility – and missing or unresponsive participants who become separated from those benefits can generate significant risks for plan fiduciaries. [Read More](https://blog.rch1.com/blog/missing-participants-five-important-considerations-for-plan-sponsors) Jan 26 2021 ## [New Research on Locating Missing Participants Augments DOL Guidance](https://blog.rch1.com/blog/new-research-on-locating-missing-participants-augments-recent-dol-guidance) ![Missing\_Carton\_New\_MP\_Research](https://blog.rch1.com/hs-fs/hubfs/Missing_Carton_New_MP_Research.png?width=200&name=Missing_Carton_New_MP_Research.png)On 1/26/21, [Retirement Clearinghouse (RCH)](https://rch1.com) released a study that advances the art and science of locating [missing 401(k) plan participants](https://rch1.com/missing-participants). The study –[Improving the Effectiveness of Electronic Missing Participant Searches](https://info.rch1.com/missing-participant-esearch-study) – comes on the heels of [U.S. Department of Labor (DOL) guidance](https://www.dol.gov/newsroom/releases/ebsa/ebsa20210112) on the topic and is highly-useful for plan sponsors who utilize electronic searches, or “e-Searches” as they are referenced in the study. [Read More](https://blog.rch1.com/blog/new-research-on-locating-missing-participants-augments-recent-dol-guidance) Dec 01 2020 ## [Three New Year's Resolutions for Plan Sponsors to Consider](https://blog.rch1.com/blog/three-new-years-resolutions-for-plan-sponsors-to-consider) ![2021\_Resolutions](https://blog.rch1.com/hs-fs/hubfs/2021_Resolutions.png?width=200&name=2021_Resolutions.png)In January, Alight Solutions released [2020 Hot Topics in Retirement & Financial Wellbeing](https://alight.com/research-insights/hot-topics-retirement-jan-2020), a survey of 130 plan sponsors employing 5.5 million workers and highlighting key trends among plan sponsors, including expanding financial wellbeing programs, increasing efforts to help participants bridge the gap between working and retiring, and strengthening programs to locate missing participants. [Read More](https://blog.rch1.com/blog/three-new-years-resolutions-for-plan-sponsors-to-consider) Aug 17 2020 ## [‘Sudden Money’ and Preserving 401(k) Savings Don’t Mix](https://blog.rch1.com/blog/sudden-money-and-preserving-401k-savings-dont-mix) ![sudden money](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/sudden%20money.png?width=200&name=sudden%20money.png)Researchers realize that long-term retirement planning is not a natural act for most 401(k) plan participants. Consequently, important 401(k) plan features have evolved (ex. – auto enrollment, auto escalation, QDIA funds, etc.) to overcome the mis-match and to promote saving for retirement. Many of these features work spectacularly well – but only for as long as participants are actively participating in that plan. [Read More](https://blog.rch1.com/blog/sudden-money-and-preserving-401k-savings-dont-mix) Oct 28 2019 ## [The Playbook for Conducting Diligent Missing Participant Searches](https://blog.rch1.com/blog/the-playbook-for-conducting-diligent-missing-participant-searches) ![The Playbook](https://blog.rch1.com/hs-fs/hubfs/The%20Playbook.png?width=200&name=The%20Playbook.png)Sponsors of active retirement plans are increasingly challenged by the problem of missing participants, and the difficulties they face in performing diligent searches.  After all, ensuring that plan participants (or their beneficiaries) receive the benefits they’re owed is a sponsor’s primary fiduciary responsibility. [Read More](https://blog.rch1.com/blog/the-playbook-for-conducting-diligent-missing-participant-searches) Apr 22 2019 ## [America's 401(k) System is Unsustainable - Let's Fix It](https://blog.rch1.com/blog/why-america-urgently-needs-a-sustainable-defined-contribution-system) ![401k\_Sustainability](https://blog.rch1.com/hs-fs/hubfs/401k_Sustainability.png?width=200&name=401k_Sustainability.png)On Earth Day 2019, as we focus on creating a sustainable and eco-friendly environment, it's worth considering how the application of similar principles would benefit our retirement system.  America’s 401(k) system is unsustainable – urgently requiring an upgrade to effectively deliver on its intended goal – helping millions of Americans enjoy a timely and comfortable retirement.  The good news is that we're beginning to see important signs of action that could ultimately address the problem.   [Read More](https://blog.rch1.com/blog/why-america-urgently-needs-a-sustainable-defined-contribution-system) Jul 25 2018 ## [401(k) Truth Bomb: Missing Participants are Bad, 401(k) Cashouts Are Worse](https://blog.rch1.com/blog/401k-truth-bomb-missing-participants-are-bad-401k-cashouts-are-worse) ![This Way to Your Next Job](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/This%20Way%20to%20Your%20Next%20Job.png?width=200&name=This%20Way%20to%20Your%20Next%20Job.png)The [problem of missing participants](https://blog.rch1.com/blog/rch-releases-new-video-addressing-the-problem-of-missing-participants) continues to receive a great deal of attention from plan sponsors, industry advocates, regulators and politicians.  All parties are keen to address the negative outcomes that result when job-changing 401(k) participants leave behind their accounts with former employers, relocate and fail to update their address. [Read More](https://blog.rch1.com/blog/401k-truth-bomb-missing-participants-are-bad-401k-cashouts-are-worse) Jul 17 2018 ## [Regulators and Policy Advocates Focus on Retirement Savings Portability](https://blog.rch1.com/blog/regulators-and-policy-advocates-focus-on-retirement-savings-portability) [![Retirement Savings Portability](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/CC%20Blog%20071718%20TH.png?width=200&name=CC%20Blog%20071718%20TH.png)Research has conclusively demonstrated](https://info.rch1.com/brg-white-paper) that retirement savings portability dramatically reduces 401(k) cashout leakage, preserves retirement savings and reduces the incidence of missing participants. With that in mind, it’s not surprising that recent retirement public policy activities are increasingly focused on various aspects of portability. [Read More](https://blog.rch1.com/blog/regulators-and-policy-advocates-focus-on-retirement-savings-portability) Page: [‹](https://blog.rch1.com/blog/topic/missing-participants/page/3) [2](https://blog.rch1.com/blog/topic/missing-participants/page/2) [3](https://blog.rch1.com/blog/topic/missing-participants/page/3) [4](https://blog.rch1.com/blog/topic/missing-participants/page/4) [5](https://blog.rch1.com/blog/topic/missing-participants/page/5) [6](https://blog.rch1.com/blog/topic/missing-participants/page/6) [›](https://blog.rch1.com/blog/topic/missing-participants/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) - 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