--- title: RCH Consolidation Corner | Public Policy (2) description: Public Policy | 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) - [Cash Out Calculator](https://rch1.com/individuals/cash-out-calculator) - [Moving Your Retirement Savings Forward](https://rch1.com/individuals/moving-your-retirement-savings-forward) - [Contact Us](https://rch1.com/individuals/contact-us) - [Para español](https://rch1.com/individuals/contacto-retirement-clearinghouse) - [Learning Center](https://rch1.com/individuals/learning-center) - [Disclosure Central](https://rch1.com/individuals/learning-center/resources-%26-downloads) - [Glossary](https://rch1.com/individuals/learning-center/glossary) - [Frequently-Asked Questions](https://rch1.com/individuals/learning-center/faqs) - [Auto Portability](https://rch1.com/auto-portability) - [Auto Portability Overview](https://rch1.com/auto-portability/auto-portability-overview) - [Auto Portability FAQs](https://rch1.com/auto-portability/frequently-asked-questions) - [Recent Developments](https://rch1.com/auto-portability/recent-developments) - [Foundational Research](https://rch1.com/auto-portability/foundational-research) - [Public Policy](https://rch1.com/auto-portability/public-policy) - [Media Coverage](https://rch1.com/auto-portability/media-coverage) - [Press Releases](https://rch1.com/auto-portability/press-releases--auto-portability) - [Regulatory Information](https://rch1.com/auto-portability/regulatory-information) - [Enabling Regulation](https://rch1.com/auto-portability/regulatory-information/enabling-regulation) - [Participating Recordkeepers](https://rch1.com/auto-portability/regulatory-information/participating-recordkeepers) - [Auto Portability Plan Calculator](https://rch1.com/auto-portability/plan-calculator) - [National Cash Out Clock](https://rch1.com/auto-portability/national-cash-out-clock) - [Downloads & Video](https://rch1.com/auto-portability/downloads-video) - [Get Updates on Auto Portability](https://rch1.com/auto-portability/get-updates-on-auto-portability) - [Plan Sponsors](https://rch1.com/plan-sponsors) - [The Small Account Problem](https://rch1.com/plan-sponsors) - [RCH Portability Services](https://rch1.com/plan-sponsors/rch-portability-services) - [Plan Sponsor Support](https://rch1.com/plan-sponsors/rch-client-services) - [The Missing Participant Problem](https://rch1.com/plan-sponsors/addressing-the-problem-of-missing-participants) - [What is a Missing Participant?](https://rch1.com/plan-sponsors/addressing-the-problem-of-missing-participants/what-is-a-missing-participant) - [Why Plan Sponsors Should be Concerned](https://rch1.com/plan-sponsors/addressing-the-problem-of-missing-participants/why-plan-sponsors-should-be-concerned) - [What Causes Missing Participants?](https://rch1.com/plan-sponsors/addressing-the-problem-of-missing-participants/what-causes-missing-participants) - [The Magnitude of the Problem](https://rch1.com/plan-sponsors/addressing-the-problem-of-missing-participants/the-magnitude-of-the-missing-participant-problem) - [What Regulations Apply to Missing Participants?](https://rch1.com/plan-sponsors/addressing-the-problem-of-missing-participants/what-regulations-apply-to-missing-participants) - [Sources of Uncertainty for Plan Sponsors](https://rch1.com/plan-sponsors/addressing-the-problem-of-missing-participants/sources-of-uncertainty-for-plan-sponsors) - [Best Practices for Finding Missing Participants](https://rch1.com/plan-sponsors/addressing-the-problem-of-missing-participants/best-practices-for-finding-missing-participants) - [What to Look For in a Search Service](https://rch1.com/plan-sponsors/addressing-the-problem-of-missing-participants/what-to-look-for-in-a-missing-participant-search-service) - [Learn More About Missing Participants](https://rch1.com/plan-sponsors/addressing-the-problem-of-missing-participants/learn-more-about-missing-participants) - [RCH's Missing Participant Search Service](https://rch1.com/plan-sponsors/addressing-the-problem-of-missing-participants/the-rch-missing-participant-search-service) - [Terminating 401(k) Plans](https://rch1.com/plan-sponsors/terminating-a-401k-plan) - [Why 401(k) Plans Terminate](https://rch1.com/plan-sponsors/terminating-a-401k-plan/why-do-401k-plans-terminate) - [The Process for Terminating 401(k) Plans](https://rch1.com/plan-sponsors/terminating-a-401k-plan/what-is-the-process-for-terminating-a-401k-plan) - [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) - [Manage Your RCH IRA Account](https://rch1.com/individuals/manage-your-rch-ira-account) - [Cash Out Calculator](https://rch1.com/individuals/cash-out-calculator) - [RMD Calculator](https://rch1.com/individuals/rmd-calculator) - [Moving Your Retirement Savings Forward](https://rch1.com/individuals/moving-your-retirement-savings-forward) - [Contact Us](https://rch1.com/individuals/contact-us) - [Para español](https://rch1.com/individuals/contacto-retirement-clearinghouse) - [Learning Center](https://rch1.com/individuals/learning-center) - [Company](https://rch1.com/company) - [About RCH](https://rch1.com/company/about-rch) - [Mission](https://rch1.com/company/mission) - [Management Team](https://rch1.com/company/management-team) - [Contact RCH](https://rch1.com/contact-us) - [Careers - Job Opportunities](https://rch1.com/company/careers) - [Our Benefits](https://rch1.com/company/our-benefits) - [The RLJ Companies](https://rch1.com/company/the-rlj-companies) - [News & Information](https://rch1.com/news) - [News](https://rch1.com/news) - [Press Releases](https://rch1.com/press-releases) - [Thought Leadership](https://rch1.com/thought-leadership) - [Consolidation Corner Blog](https://rch1.com/blog) - [Consolidation Corner Channel](https://rch1.com/consolidation-corner-channel) - [Events](https://rch1.com/events) - [Login](https://rch1.com/#) ## Search Our Site Close Quicklinks - [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 Funds?](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) - [Moving Your Retirement Savings Forward](https://rch1.com/individuals/moving-your-retirement-savings-forward) - [Contact Us](https://rch1.com/individuals/contact-us) - [Para español](https://rch1.com/individuals/contacto-retirement-clearinghouse) - [Learning Center](https://rch1.com/individuals/learning-center) - [Auto Portability](https://rch1.com/auto-portability) - [Auto Portability Overview](https://rch1.com/auto-portability/auto-portability-overview) - [Auto Portability FAQs](https://rch1.com/auto-portability/frequently-asked-questions) - [Recent Developments](https://rch1.com/auto-portability/recent-developments) - [Foundational Research](https://rch1.com/auto-portability/foundational-research) - [Public Policy](https://rch1.com/auto-portability/public-policy) - [Media Coverage](https://rch1.com/auto-portability/media-coverage) - [Press Releases](https://rch1.com/auto-portability/press-releases--auto-portability) - [Regulatory Information](https://rch1.com/auto-portability/regulatory-information) - [The RCH Auto Portability Plan Calculator](https://rch1.com/auto-portability/plan-calculator) - [National Cash Out Clock](https://rch1.com/auto-portability/national-cash-out-clock) - [Downloads & Video](https://rch1.com/auto-portability/downloads-video) - [Get Updates on Auto Portability](https://rch1.com/auto-portability/get-updates-on-auto-portability) - [Plan Sponsors](https://rch1.com/plan-sponsors) - [The Small Account Problem](https://rch1.com/plan-sponsors/sponsors-home) - [RCH Portability Services](https://rch1.com/plan-sponsors/rch-portability-services) - [RCH Client Services](https://rch1.com/plan-sponsors/rch-client-services) - [Addressing the Problem of Missing Participants](https://rch1.com/plan-sponsors/addressing-the-problem-of-missing-participants) - [Terminating 401(k) Plans](https://rch1.com/plan-sponsors/terminating-a-401k-plan) - [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) - [Manage Your RCH IRA Account](https://rch1.com/individuals/manage-your-rch-ira-account) - [Cash Out Calculator](https://rch1.com/individuals/cash-out-calculator) - [RMD Calculator](https://rch1.com/individuals/rmd-calculator) - [Moving Your Retirement Savings Forward](https://rch1.com/individuals/moving-your-retirement-savings-forward) - [Contact us](https://rch1.com/individuals/contact-us) - [Para español](https://rch1.com/individuals/contacto-retirement-clearinghouse) - [Learning Center](https://rch1.com/individuals/learning-center) - [Company](https://rch1.com/company) - [About RCH](https://rch1.com/company/about-rch) - [Mission](https://rch1.com/company/mission) - [Management Team](https://rch1.com/company/management-team) - [Contact RCH](https://rch1.com/contact-us) - [Careers - Job Opportunities](https://rch1.com/company/careers) - [Our Benefits](https://rch1.com/company/our-benefits) - [The RLJ Companies](https://rch1.com/company/the-rlj-companies) - [News & Information](https://rch1.com/news) - [News](https://rch1.com/news) - [Press Releases](https://rch1.com/press-releases) - [Thought Leadership](https://rch1.com/thought-leadership) - [Consolidation Corner Blog](https://rch1.com/blog) - [Consolidation Corner Channel](https://rch1.com/consolidation-corner-channel) - [Events](https://rch1.com/events) - [Auto Portability](https://rch1.com/auto-portability) # Consolidation Corner ## Menu - [News](https://rch1.com/news) - [Press Releases](https://rch1.com/press-releases) - [Thought Leadership](https://rch1.com/thought-leadership) [Retirement Clearinghouse](https://rch1.com/retirement-clearinghouse) [Retirement Industry](https://rch1.com/retirement-industry) [Public Policy](https://rch1.com/public-policy-thought) - [Events](https://rch1.com/events) - - - - [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) - [Auto Portability Simulation](https://blog.rch1.com/blog/topic/auto-portability-simulation) - [Automatic Roll-In](https://blog.rch1.com/blog/topic/automatic-roll-in) - [Automatic Rollover](https://blog.rch1.com/blog/topic/automatic-rollover) - [Automatic Rollovers](https://blog.rch1.com/blog/topic/automatic-rollovers) - [Boston Research Technologies](https://blog.rch1.com/blog/topic/boston-research-technologies) - [CARES act](https://blog.rch1.com/blog/topic/cares-act) - [Common Mistakes](https://blog.rch1.com/blog/topic/common-mistakes) - [DIY Roll-In](https://blog.rch1.com/blog/topic/diy-roll-in) - [DOL Advisory Opinion](https://blog.rch1.com/blog/topic/dol-advisory-opinion) - [EBRI](https://blog.rch1.com/blog/topic/ebri) - [Employee Benefit News](https://blog.rch1.com/blog/topic/employee-benefit-news) - [ERISA Advisory Council](https://blog.rch1.com/blog/topic/erisa-advisory-council) - [Financial Services Roundtable](https://blog.rch1.com/blog/topic/financial-services-roundtable) - [Financial Wellness](https://blog.rch1.com/blog/topic/financial-wellness) - [How-To](https://blog.rch1.com/blog/topic/how-to) - [In-Plan Consolidation](https://blog.rch1.com/blog/topic/in-plan-consolidation) - [Leakage](https://blog.rch1.com/blog/topic/leakage) - [Lifetime Plan Participation](https://blog.rch1.com/blog/topic/lifetime-plan-participation) - [Lost Participants](https://blog.rch1.com/blog/topic/lost-participants) - [Managed Portability](https://blog.rch1.com/blog/topic/managed-portability) - [Mandatory Distributions](https://blog.rch1.com/blog/topic/mandatory-distributions) - [MarketWatch](https://blog.rch1.com/blog/topic/marketwatch) - [Missing Participant IRA](https://blog.rch1.com/blog/topic/missing-participant-ira) - [Missing Participants](https://blog.rch1.com/blog/topic/missing-participants) - [National Retirement Savings Cash Out Clock](https://blog.rch1.com/blog/topic/national-retirement-savings-cash-out-clock) - [Participant Transition Management](https://blog.rch1.com/blog/topic/participant-transition-management) - [PLANSPONSOR](https://blog.rch1.com/blog/topic/plansponsor) - [Portability Services Network](https://blog.rch1.com/blog/topic/portability-services-network) - [PSCA](https://blog.rch1.com/blog/topic/psca) - [Public Policy](https://blog.rch1.com/blog/topic/public-policy) - [RCH Services](https://blog.rch1.com/blog/topic/rch-services) - [Retirement Income](https://blog.rch1.com/blog/topic/retirement-income) - [Retirement Plan Portability](https://blog.rch1.com/blog/topic/retirement-plan-portability) - [retirement research](https://blog.rch1.com/blog/topic/retirement-research) - [Retirement Savings Consolidation](https://blog.rch1.com/blog/topic/retirement-savings-consolidation) - [Retirement Savings Portability](https://blog.rch1.com/blog/topic/retirement-savings-portability) - [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 # Public Policy (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. --- Oct 18 2024 ## [ERISA’s Golden Anniversary has Set the Stage for Helping Future Generations Improve Their Retirement Outcomes—in 2025 & Beyond](https://blog.rch1.com/blog/erisas-golden-anniversary-has-set-the-stage-for-helping-future-generations-improve-their-retirement-outcomes-in-2025-and-beyond) [![FromTheTopv3-01](https://blog.rch1.com/hs-fs/hubfs/Publications/FromTheTopv3-01.png?width=200&height=150&name=FromTheTopv3-01.png)](https://www.benefitnews.com/advisers/opinion/improving-retirement-readiness-beyond-erisa-milestone)On September 2, 1974, President Gerald Ford signed the Employee Retirement Income Security Act (ERISA) into law. Since that time, ERISA has become the regulatory backbone of the retirement services industry. And on September 12, members of the industry, along with legislators, government regulators, and other private and public sector representatives, came together to celebrate ERISA’s golden anniversary in Washington, D.C. My colleagues and I were honored to be among those in attendance. [Read More](https://blog.rch1.com/blog/erisas-golden-anniversary-has-set-the-stage-for-helping-future-generations-improve-their-retirement-outcomes-in-2025-and-beyond) Aug 26 2024 ## [Two Saver’s Match Resources Now Available](https://blog.rch1.com/blog/two-savers-match-resources-now-available) ![Savers\_Match-1](https://blog.rch1.com/hs-fs/hubfs/Savers_Match-1.png?width=200&height=171&name=Savers_Match-1.png)[Retirement Clearinghouse (RCH)](https://rch1.com/) has launched two new Saver’s Match resources, which offer plan sponsors, plan providers and participants with consolidated information about the Saver’s Match program, as well as a new saver-focused tool – the Saver’s Match Estimator – which will calculate an estimated matching contribution under the program. [Read More](https://blog.rch1.com/blog/two-savers-match-resources-now-available) Jul 02 2024 ## [The Risky Business of Cashing Out Plan Balances Below $1,000](https://blog.rch1.com/blog/the-risky-business-of-cashing-out-plan-balances-below-1000) ![Risky Business](https://blog.rch1.com/hs-fs/hubfs/Risky%20Business.png?width=200&height=128&name=Risky%20Business.png)According to industry data, each year around 2.5 million 401(k) participants with balances less than $1,000 will change jobs, falling under the threshold where plan sponsors can automatically cash out their balances. [Read More](https://blog.rch1.com/blog/the-risky-business-of-cashing-out-plan-balances-below-1000) Jun 21 2024 ## [Taking Stock of the Saver’s Match: The Promise and The Challenges](https://blog.rch1.com/blog/taking-stock-of-the-savers-match-the-promise-and-the-challenges) ![Taking Stock of the SM](https://blog.rch1.com/hs-fs/hubfs/Taking%20Stock%20of%20the%20SM.png?width=200&height=173&name=Taking%20Stock%20of%20the%20SM.png)When provisions of SECURE 2.0 were signed into law in December 2022, the clock started ticking on one of its most consequential retirement savings public policy initiatives – the Saver’s Match. [Read More](https://blog.rch1.com/blog/taking-stock-of-the-savers-match-the-promise-and-the-challenges) Jun 07 2024 ## [The Truth About Old-School Automatic Rollovers](https://blog.rch1.com/blog/the-truth-about-old-school-automatic-rollovers) ![Old School Automatic Rollovers](https://blog.rch1.com/hs-fs/hubfs/Old%20School%20Automatic%20Rollovers.png?width=200&height=113&name=Old%20School%20Automatic%20Rollovers.png)Protecting benefits owed to a company’s current and former employees is the cornerstone of an employer’s fiduciary duty under ERISA, which celebrates its 50th anniversary this year. So, it troubles me when I read about strategies for plan optimization that advocate for continued reliance upon “old-school” automatic rollovers. While I am all-in for plan optimization, old-school automatic rollovers put employee benefits at risk by generating massive amounts of cashout leakage, stranding millions of participants’ balances in safe harbor IRAs that charge excessive fees and earn paltry returns, while disproportionately impacting minorities, women, low-income and younger workers. [Read More](https://blog.rch1.com/blog/the-truth-about-old-school-automatic-rollovers) May 21 2024 ## [Robert L. Johnson Gives Keynote Address at 2024 EBRI Spring Policy Forum](https://blog.rch1.com/blog/robert-l.-johnson-gives-keynote-address-at-2024-ebri-spring-policy-forum) ![BobJohnson](https://blog.rch1.com/hs-fs/hubfs/BobJohnson.jpg?width=200&height=242&name=BobJohnson.jpg)On May 16th, Robert L. (Bob) Johnson, Chairman of [The RLJ Companies](https://rljcompanies.com/), [Retirement Clearinghouse (RCH)](https://rch1.com/) and the [Portability Services Network (PSN)](https://psn1.com), delivered the keynote address to the 2024 EBRI Spring Policy Forum, co-hosted by the [American Benefits Council](https://americanbenefitscouncil.org/).   In Johnson’s address, entitled “Helping to narrow the nation’s lingering racial wealth gap” – the legendary Black American entrepreneur gave Forum attendees insight into the businessman’s long, purpose-driven journey to create entrepreneurial solutions to social problems. Johnson’s achievements began taking shape in the early 1980’s with his creation of Black Entertainment Television (BET) and have culminated in his current efforts in the retirement sector, where he’s become laser-focused on leveraging public/private sector solutions that narrow the wealth gap for minorities and women. [Read More](https://blog.rch1.com/blog/robert-l.-johnson-gives-keynote-address-at-2024-ebri-spring-policy-forum) May 08 2024 ## [Harness the Power of Retirement Savings Consolidation](https://blog.rch1.com/blog/americas-mobile-workforce-meets-their-savers-match-0) ![HarnessThePowerRCH](https://blog.rch1.com/hs-fs/hubfs/HarnessThePowerRCH.png?width=200&height=220&name=HarnessThePowerRCH.png)Consolidation is a powerful force in our world. Many of the world’s largest corporations are products of consolidation, and there are countless examples of the power of consolidation in our personal lives. [Read More](https://blog.rch1.com/blog/americas-mobile-workforce-meets-their-savers-match-0) Apr 09 2024 ## [America’s Mobile Workforce Meets Their Saver’s Match](https://blog.rch1.com/blog/americas-mobile-workforce-meets-their-savers-match) ![Savers\_Match](https://blog.rch1.com/hs-fs/hubfs/Savers_Match.png?width=200&height=171&name=Savers_Match.png)[A new survey of American workers](https://info.rch1.com/savers-match-survey-analysis) who would be eligible to receive a Saver’s Match federal matching contribution confirms the significant public policy benefits that the program could have in leveling the playing field for lower income savers – particularly for Black and Hispanic workers – while also finding that high levels of worker mobility could pose challenges in administering millions of annual matching contribution payments. [Read More](https://blog.rch1.com/blog/americas-mobile-workforce-meets-their-savers-match) Mar 19 2024 ## [Six Steps to a Strong Missing Participant Policy](https://blog.rch1.com/blog/six-steps-to-a-strong-missing-participant-policy) ![Six\_Steps\_To\_Strong\_MP\_Policy](https://blog.rch1.com/hs-fs/hubfs/Six_Steps_To_Strong_MP_Policy.png?width=200&height=166&name=Six_Steps_To_Strong_MP_Policy.png)[Missing participants](https://rch1.com/missing-participants), defined as individuals who have become disconnected from their retirement savings – often through their own inaction – are a significant challenge that has long plagued defined contribution plans.  Unfortunately, the responsibility for locating these persons falls squarely on the shoulders of plan sponsors. [Read More](https://blog.rch1.com/blog/six-steps-to-a-strong-missing-participant-policy) Jan 11 2024 ## [Four Retirement Initiatives Vital to Closing the Racial Wealth Gap](https://blog.rch1.com/blog/four-retirement-initiatives-vital-to-closing-the-racial-wealth-gap) ![closing\_wealth\_gap](https://blog.rch1.com/hs-fs/hubfs/closing_wealth_gap.png?width=200&height=145&name=closing_wealth_gap.png)Policymakers and stakeholders in America’s defined contribution system have made important progress in advancing initiatives that could help to close the large racial wealth gap. While much of the groundwork has been laid, it will ultimately fall to retirement plan sponsors to make the difference by supporting four key retirement initiatives that will generate increased wealth and enhance retirement security for millions of America’s minority workers. [Read More](https://blog.rch1.com/blog/four-retirement-initiatives-vital-to-closing-the-racial-wealth-gap) Page: [‹](https://blog.rch1.com/blog) [1](https://blog.rch1.com/blog) [2](https://blog.rch1.com/blog/topic/public-policy/page/2) [3](https://blog.rch1.com/blog/topic/public-policy/page/3) [4](https://blog.rch1.com/blog/topic/public-policy/page/4) [›](https://blog.rch1.com/blog/topic/public-policy/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) - [Auto Portability Simulation](https://blog.rch1.com/blog/topic/auto-portability-simulation) - [Automatic Roll-In](https://blog.rch1.com/blog/topic/automatic-roll-in) - [Automatic Rollover](https://blog.rch1.com/blog/topic/automatic-rollover) - [Automatic Rollovers](https://blog.rch1.com/blog/topic/automatic-rollovers) - [Boston Research Technologies](https://blog.rch1.com/blog/topic/boston-research-technologies) - [CARES act](https://blog.rch1.com/blog/topic/cares-act) - [Common Mistakes](https://blog.rch1.com/blog/topic/common-mistakes) - [DIY Roll-In](https://blog.rch1.com/blog/topic/diy-roll-in) - [DOL Advisory Opinion](https://blog.rch1.com/blog/topic/dol-advisory-opinion) - [EBRI](https://blog.rch1.com/blog/topic/ebri) - [Employee Benefit News](https://blog.rch1.com/blog/topic/employee-benefit-news) - [ERISA Advisory Council](https://blog.rch1.com/blog/topic/erisa-advisory-council) - [Financial Services Roundtable](https://blog.rch1.com/blog/topic/financial-services-roundtable) - [Financial Wellness](https://blog.rch1.com/blog/topic/financial-wellness) - [How-To](https://blog.rch1.com/blog/topic/how-to) - [In-Plan Consolidation](https://blog.rch1.com/blog/topic/in-plan-consolidation) - [Leakage](https://blog.rch1.com/blog/topic/leakage) - [Lifetime Plan Participation](https://blog.rch1.com/blog/topic/lifetime-plan-participation) - [Lost Participants](https://blog.rch1.com/blog/topic/lost-participants) - [Managed Portability](https://blog.rch1.com/blog/topic/managed-portability) - [Mandatory Distributions](https://blog.rch1.com/blog/topic/mandatory-distributions) - [MarketWatch](https://blog.rch1.com/blog/topic/marketwatch) - [Missing Participant IRA](https://blog.rch1.com/blog/topic/missing-participant-ira) - [Missing Participants](https://blog.rch1.com/blog/topic/missing-participants) - [National Retirement Savings Cash Out Clock](https://blog.rch1.com/blog/topic/national-retirement-savings-cash-out-clock) - [Participant Transition Management](https://blog.rch1.com/blog/topic/participant-transition-management) - [PLANSPONSOR](https://blog.rch1.com/blog/topic/plansponsor) - [Portability Services Network](https://blog.rch1.com/blog/topic/portability-services-network) - [PSCA](https://blog.rch1.com/blog/topic/psca) - [Public Policy](https://blog.rch1.com/blog/topic/public-policy) - [RCH Services](https://blog.rch1.com/blog/topic/rch-services) - [Retirement Income](https://blog.rch1.com/blog/topic/retirement-income) - [Retirement Plan Portability](https://blog.rch1.com/blog/topic/retirement-plan-portability) - [retirement research](https://blog.rch1.com/blog/topic/retirement-research) - [Retirement Savings Consolidation](https://blog.rch1.com/blog/topic/retirement-savings-consolidation) - [Retirement Savings Portability](https://blog.rch1.com/blog/topic/retirement-savings-portability) - [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) [![Retirement Clearinghouse An RLJ Company](https://blog.rch1.com/hs-fs/hubfs/raw_assets/public/Retirement_Clearinghouse_May2022/images/footer_logo.png?width=1000&height=648&name=footer_logo.png "Retirement Clearinghouse An RLJ Company")](https://rch1.com/) 1916 Ayrsley Town Boulevard Suite 200 Charlotte, NC 28273 - [Individuals](https://rch1.com/individuals) - [Plan Sponsors](https://rch1.com/plan-sponsors) - [Auto Portability](https://rch1.com/auto-portability) - [Company](https://rch1.com/company) - [News & Information](https://rch1.com/news) - [Mission](https://rch1.com/company/mission) - [Careers](https://rch1.com/company/careers) - [Contact Us](https://rch1.com/contact-us) - [Logins](https://rch1.com/#) - [Disclosure Central](https://rch1.com/individuals/learning-center/resources-%26-downloads) - [Do Not Sell or Share](https://blog.rch1.com/blog/topic/public-policy/page/2#decline-cookies) - [My Personal Information](https://blog.rch1.com/blog/topic/public-policy/page/2#decline-cookies) - - - Individuals should consult their tax advisers or legal counsel for advice and information concerning their particular situation. Retirement Clearinghouse does not give legal, investment, or tax advice. IRA account fees and product information provided by Retirement Clearinghouse, LLC is subject to change without notice at the discretion of the IRA Provider. RCH Shareholder Services is a wholly owned subsidiary of Retirement Clearinghouse, LLC and a registered transfer agent with the U.S. Securities and Exchange Commission. © 2026 Retirement Clearinghouse, LLC. This site is directed at, and made available to, persons in the U.S. and Puerto Rico. [Sitemap](https://rch1.com/sitemap)