--- title: RCH Consolidation Corner | Retirement Plan Portability (2) description: Retirement Plan Portability | 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 # Retirement Plan Portability (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. --- Apr 13 2026 ## [Modeling the Future of the Saver's Match Program](https://blog.rch1.com/blog/modeling-the-future-of-the-savers-match-program) ![modeling\_the\_future\_of\_the\_savers\_match\_program](https://blog.rch1.com/hs-fs/hubfs/modeling_the_future_of_the_savers_match_program.png?width=200&height=133&name=modeling_the_future_of_the_savers_match_program.png)As the [Saver’s Match Program](https://rch1.com/savers-match) must soon transition from legislative concept to operational reality, one question looms larger than any other: ​​*How will the Program operate at scale, in the real world, across tens of millions of people annually, thousands of institutions, and billions of federal dollars?* [Read More](https://blog.rch1.com/blog/modeling-the-future-of-the-savers-match-program) Apr 03 2026 ## [Financial Literacy and the Power of Preservation](https://blog.rch1.com/blog/financial-literacy-and-the-power-of-preservation) ![Financial Literacy and the Power of Preservation](https://blog.rch1.com/hs-fs/hubfs/Financial%20Literacy%20and%20the%20Power%20of%20Preservation.png?width=200&height=133&name=Financial%20Literacy%20and%20the%20Power%20of%20Preservation.png)On March 31, 2026 I had the opportunity to attend the [SPARK Champions for Financial Literacy](https://www.sparkinstitute.org/voices-leading-the-conversation-financial-literacy-month-kickoff-luncheon/) event in Washington, DC, kicking off [Financial Literacy Month](https://home.treasury.gov/news/press-releases/sb0429), which takes place in April. [Read More](https://blog.rch1.com/blog/financial-literacy-and-the-power-of-preservation) Mar 06 2026 ## [Building Out the Clearinghouse Our Retirement System Demands](https://blog.rch1.com/blog/building-out-the-clearinghouse-our-retirement-system-demands) ![CH Paper Blog Post Meta Image](https://blog.rch1.com/hs-fs/hubfs/CH%20Paper%20Blog%20Post%20Meta%20Image.png?width=200&height=144&name=CH%20Paper%20Blog%20Post%20Meta%20Image.png)On March 5, 2025, [Retirement Clearinghouse (RCH)](https://rch1.com/) released a landmark whitepaper – [*Building Out Clearinghouse Services for the U.S. Retirement System: A Blueprint for a Digital Infrastructure*](https://info.rch1.com/building-out-clearinghouse-services)*.* As a co-author of the paper who has also spent a great deal of time chronicling the real‑world retirement savings challenges faced by America’s mobile workforce, I believe that this paper arrives not a moment too soon. [Read More](https://blog.rch1.com/blog/building-out-the-clearinghouse-our-retirement-system-demands) Nov 03 2025 ## [Auto Portability: Adoption Figures Soar; Thought Leaders Want More](https://blog.rch1.com/blog/auto-portability-adoption-figures-soar-thought-leaders-want-more) ![AP - Adoption Soars Thought Leaders Want More](https://blog.rch1.com/hs-fs/hubfs/AP%20-%20Adoption%20Soars%20Thought%20Leaders%20Want%20More.jpg?width=200&height=223&name=AP%20-%20Adoption%20Soars%20Thought%20Leaders%20Want%20More.jpg)October has been a phenomenal month for [auto portability](https://psn1.com/learning-center/about-auto-portability), with plan sponsor adoption surging and industry thought leaders increasingly recognizing the promise of auto portability in finally solving longstanding 401(k) system portability issues. [Read More](https://blog.rch1.com/blog/auto-portability-adoption-figures-soar-thought-leaders-want-more) Oct 17 2025 ## [‘Forgotten’ Accounts: Forget Hyperbole, Here’s a Solution](https://blog.rch1.com/blog/forgotten-accounts-forget-hyperbole-heres-a-solution) ![Forget Hyperbole](https://blog.rch1.com/hs-fs/hubfs/Forget%20Hyperbole.jpg?width=200&height=264&name=Forget%20Hyperbole.jpg)In October, retirement industry media outlets urgently reported on [updated research](https://www.hicapitalize.com/resources/the-true-cost-of-forgotten-401ks/) estimating that there are 31.9 million “forgotten” 401(k) accounts, totaling about $2.1 trillion in assets. [Read More](https://blog.rch1.com/blog/forgotten-accounts-forget-hyperbole-heres-a-solution) Sep 15 2025 ## [Proof Positive: Retirement Savings Portability Works](https://blog.rch1.com/blog/proof-positive-retirement-savings-portability-works) ![Proof\_Positive\_Portability\_Works](https://blog.rch1.com/hs-fs/hubfs/Proof_Positive_Portability_Works.png?width=200&height=113&name=Proof_Positive_Portability_Works.png)For almost two decades, industry analysts, policymakers, and retirement advocates have warned about the corrosive effects of [401(k) cashout leakage](https://rch1.com/blog/spotlight-on-cashout-leakage-the-fundamentals). Every year, [billions of dollars](https://rch1.com/auto-portability/national-cash-out-clock) that should remain invested for retirement instead vanish from the system when participants change jobs. [Read More](https://blog.rch1.com/blog/proof-positive-retirement-savings-portability-works) Sep 02 2025 ## [Auto Portability: Meeting the Needs AND Wants of Participants](https://blog.rch1.com/blog/auto-portability-meeting-the-needs-and-wants-of-participants) ![Needs vs Wants](https://blog.rch1.com/hs-fs/hubfs/Needs%20vs%20Wants.png?width=200&height=116&name=Needs%20vs%20Wants.png)When American workers change jobs, the fate of their retirement savings is often left hanging in the balance – especially for those with smaller accounts of less than $7,000. Historically, this segment of retirement participants has faced an uphill battle, where complex transfer processes and the lure of “[sudden money](https://rch1.com/blog/sudden-money-and-preserving-401k-savings-dont-mix)” have frequently produced cashouts that undermined their long-term retirement security. But today, with the [continuing adoption of auto portability](https://psn1.com/plan-sponsors/auto-portability-adoption-tracker) via the [Portability Services Network](https://psn1.com/), the story is changing. [Read More](https://blog.rch1.com/blog/auto-portability-meeting-the-needs-and-wants-of-participants) Jun 26 2025 ## [Why Preserving Small Balances Matters (and How Auto Portability Helps)](https://blog.rch1.com/blog/why-preserving-small-balances-matters-and-how-auto-portability-helps) ![Why Preserving Small Balances Matters](https://blog.rch1.com/hs-fs/hubfs/Why%20Preserving%20Small%20Balances%20Matters.jpg?width=200&height=113&name=Why%20Preserving%20Small%20Balances%20Matters.jpg)The preservation of small-balance 401(k) accounts – particularly those under $7,000 and subject to 401(k) plans’ [automatic rollover](https://rch1.com/automatic-rollovers) provisions – represents an important challenge for America’s retirement system. When job-changing workers cash out or abandon these accounts in [dead-end safe harbor IRAs](https://rch1.com/blog/rch-consolidation-corner-channel-ep-15--shining-light-on-safe-harbor-iras), they lose not just immediate savings, but can forego decades of compounded growth – reducing their odds of a comfortable or timely retirement. [Read More](https://blog.rch1.com/blog/why-preserving-small-balances-matters-and-how-auto-portability-helps) Jun 13 2025 ## [Come On In, The Water’s Fine](https://blog.rch1.com/blog/come-on-in-the-waters-fine) ![The Waters Fine](https://blog.rch1.com/hs-fs/hubfs/The%20Waters%20Fine.jpg?width=200&height=121&name=The%20Waters%20Fine.jpg)Sometimes it seems, the universe sends you a signal that you haven’t been wasting your time. For me, one such signal arrived in the form of a [June 2nd, 2025 opinion piece](https://www.plansponsor.com/how-plan-sponsors-could-unknowingly-violate-erisa/) by PensionBee executive Helene O’Brien, as well as [industry reporting](https://401kspecialistmag.com/left-behind-401ks-could-cost-americans-tens-of-thousands/) on comments from CEO Romi Savova, both drawing attention to the participant-unfriendly nature of some safe harbor IRAs, which house the forced-out retirement savings of separated participants with balances less than $7,000. [Read More](https://blog.rch1.com/blog/come-on-in-the-waters-fine) Mar 03 2025 ## [Here’s to the Future “Graduates” of Auto Portability](https://blog.rch1.com/blog/heres-to-the-future-graduates-of-auto-portability) ![AP Graduatesv2](https://blog.rch1.com/hs-fs/hubfs/AP%20Graduatesv2.jpg?width=200&height=144&name=AP%20Graduatesv2.jpg)[Auto portability](https://psn1.com/learning-center/about-auto-portability), delivered via the [Portability Services Network (PSN)](https://psn1.com/), is revolutionizing retirement savings preservation by addressing the critical challenges of cashout leakage and account fragmentation.   [Read More](https://blog.rch1.com/blog/heres-to-the-future-graduates-of-auto-portability) Page: [‹](https://blog.rch1.com/blog) [1](https://blog.rch1.com/blog) [2](https://blog.rch1.com/blog/topic/retirement-plan-portability/page/2) [3](https://blog.rch1.com/blog/topic/retirement-plan-portability/page/3) [4](https://blog.rch1.com/blog/topic/retirement-plan-portability/page/4) [5](https://blog.rch1.com/blog/topic/retirement-plan-portability/page/5) [›](https://blog.rch1.com/blog/topic/retirement-plan-portability/page/3) [Tweets by @RCHConsolidate](https://twitter.com/RCHConsolidate) - 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