--- title: RCH Consolidation Corner | Retirement Plan Portability (4) description: Retirement Plan Portability | 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 # Retirement Plan Portability (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. --- Dec 13 2021 ## [Kennedy Townsend: Solving Portability and Cashout Leakage are a Key DOL Priority](https://blog.rch1.com/blog/kennedy-townsend-solving-portability-and-cashout-leakage-are-a-key-dol-priority) ![KKT\_EBRI\_Splash](https://blog.rch1.com/hs-fs/hubfs/KKT_EBRI_Splash.png?width=225&name=KKT_EBRI_Splash.png)On 12/6/21, the [Employee Benefit Research Institute (EBRI)](https://ebri.org) conducted day 1 of their [two-day 90th Annual Public Policy Forum](https://www.ebri.org/docs/default-source/policy-forum-documents/december-2021-materials/virtual-policy-forum-agenda-december-2021.pdf?sfvrsn=1c563b2f_26).  This forum’s theme was “A Path to a More Equitable Solution: Solving the Retirement Coverage Gap” and it seems to have been highly popular, as it broke EBRI’s previous record for forum attendance.  [Read More](https://blog.rch1.com/blog/kennedy-townsend-solving-portability-and-cashout-leakage-are-a-key-dol-priority) Nov 24 2021 ## [Assessing the State of DC Plans & Retirement Savings, 15 Years After the Pension Protection Act](https://blog.rch1.com/blog/assessing-the-state-of-dc-plans-retirement-savings-15-years-after-the-pension-protection-act) [![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/advisers/opinion/15-years-of-401k-lessons-from-the-pension-protection-act)Traditionally, the anniversary gift for couples celebrating their 15th wedding anniversary is crystal. When the Pension Protection Act of 2006 was signed into law 15 years ago, a crystal ball would have been useful. Although this legislation was (commendably) crafted with the best of intentions, its unintended consequences for defined contribution plan participants and sponsors continue to reverberate.   [Read More](https://blog.rch1.com/blog/assessing-the-state-of-dc-plans-retirement-savings-15-years-after-the-pension-protection-act) Sep 15 2021 ## [EBRI Research Reveals Auto Portability’s Massive Incremental Benefits to Pending Legislation](https://blog.rch1.com/blog/ebri-research-reveals-auto-portabilitys-massive-incremental-benefits-to-pending-legislation) ![incremental benefits](https://blog.rch1.com/hs-fs/hubfs/incremental%20benefits.png?width=200&name=incremental%20benefits.png)In a 9/13/21 [Employee Benefit Research Institute (EBRI)](https://ebri.org/) webinar ([The Impact of Proposed Legislative Changes on Retirement Income Adequacy](https://www.ebri.org/videos/default-source/webinar-replays/legislativeproposals_091321.mp4?sfvrsn=6c643b2f_2)), EBRI Research Director Jack VanDerhei presented an analysis of pending legislative changes, including automatic contribution plans and arrangements (ACPAs), paired with a refundable saver’s credit. [Read More](https://blog.rch1.com/blog/ebri-research-reveals-auto-portabilitys-massive-incremental-benefits-to-pending-legislation) Sep 07 2021 ## [Refundable Saver’s Tax Credits Would Significantly Reduce Retirement Savings Shortfall—Especially for Minorities](https://blog.rch1.com/blog/refundable-savers-tax-credits-would-significantly-reduce-retirement-savings-shortfall-especially-for-minorities) [![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/advisers/opinion/tax-credits-would-narrow-wealth-disparities-help-retirement)Concurrent with the COVID-19 pandemic, our elected representatives have been grappling with the issue of wealth disparities between America’s white and minority workers. Commendably, there has been bipartisan support in Washington, DC for measures to assist those who are historically under-served or under-saved in our national system for accumulating and incubating retirement savings.   [Read More](https://blog.rch1.com/blog/refundable-savers-tax-credits-would-significantly-reduce-retirement-savings-shortfall-especially-for-minorities) Sep 01 2021 ## [Beware of Second Order Effects for Retirement Savings Public Policies](https://blog.rch1.com/blog/beware-of-second-order-effects-for-retirement-savings-public-policies) ![Second Order Effects](https://blog.rch1.com/hs-fs/hubfs/Second%20Order%20Effects.png?width=200&name=Second%20Order%20Effects.png)At first glance, some retirement savings public policies can seem like a sure thing, particularly when they’re based solely upon the benefits that would directly result. However, in the real world, these “first order” effects are inevitably followed by “second order” effects, which can sometimes be antithetical to the policy’s original intent. [Read More](https://blog.rch1.com/blog/beware-of-second-order-effects-for-retirement-savings-public-policies) Aug 02 2021 ## [Senate Hearing Reveals Large Employer Support for Auto Portability](https://blog.rch1.com/blog/senate-hearing-reveals-large-employer-support-for-auto-portability) ![Senate\_Finance\_RSP](https://blog.rch1.com/hs-fs/hubfs/Senate_Finance_RSP.png?width=200&name=Senate_Finance_RSP.png)During testimony in a July 28th hearing held by the Senate Finance Committee ([Building on Bipartisan Retirement Legislation: How Can Congress Help?](https://www.finance.senate.gov/hearings/building-on-bipartisan-retirement-legislation-how-can-congress-help)), [Aliya Robinson](https://www.eric.org/newsroom/staff-bios/), Senior Vice President of Retirement and Compensation Policy for the [ERISA Advisory Committee (ERIC)](https://www.eric.org/), twice voiced her support for [auto portability](https://rch1.com/auto-portability), the new plan feature that automatically moves small balances to the new employer’s plan when participants change jobs. [Read More](https://blog.rch1.com/blog/senate-hearing-reveals-large-employer-support-for-auto-portability) Jul 07 2021 ## [Don’t Relegate Lost & Missing Accounts to the Lost & Found—Consolidate Them in the Retirement System](https://blog.rch1.com/blog/dont-relegate-lost-and-missing-accounts-to-the-lost-and-found-consolidate-them-in-the-retirement-system) [![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/advisers/opinion/consolidate-retirement-accounts-to-boost-savings)The Securing a Strong Retirement Act of 2021, nicknamed the “SECURE ([Setting Every Community Up for Retirement Enhancement](https://www.benefitnews.com/opinion/mitigating-covid-19s-catastrophic-impact-on-retirement-readiness)) Act 2.0,” was passed unanimously by the House Ways and Means Committee, and many expect the bill to pass the full House of Representatives. [Read More](https://blog.rch1.com/blog/dont-relegate-lost-and-missing-accounts-to-the-lost-and-found-consolidate-them-in-the-retirement-system) May 17 2021 ## [Leakage and Auto Portability Featured at Senate HELP Committee Hearing](https://blog.rch1.com/blog/leakage-and-auto-portability-featured-at-senate-help-committee-hearing) ![Senate\_HELP\_RSP](https://blog.rch1.com/hs-fs/hubfs/Senate_HELP_RSP.png?width=200&name=Senate_HELP_RSP.png)On May 13, 2021, the [U.S. Senate’s Committee on Health, Education, Labor and Pensions](https://www.help.senate.gov/) (HELP) held its first [hearing on retirement security](https://www.help.senate.gov/hearings/retirement-security-building-a-better-future) since 2013. With testimony from a blue-ribbon panel of witnesses, the hearing had a broad focus, but the topic of retirement savings leakage, and its most-promising solution, [auto portability](https://rch1.com/auto-portability), were prominently featured. [Read More](https://blog.rch1.com/blog/leakage-and-auto-portability-featured-at-senate-help-committee-hearing) Apr 29 2021 ## [Auto Portability is an Easily Quantifiable Solution for Helping Participants Achieve Financial Wellness](https://blog.rch1.com/blog/auto-portability-is-an-easily-quantifiable-solution-for-helping-participants-achieve-financial-wellness) [![ebnimage](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage.jpg?width=200&name=ebnimage.jpg)](https://www.benefitnews.com/advisers/opinion/why-auto-portability-can-create-more-secure-retirements)Financial wellness has taken on a new urgency over the past year as we have witnessed a series of “once-in-a-lifetime” events that affect how we work and save for retirement. In response, many plan sponsors have adopted new and important tools to strengthen the financial wellbeing of their participants.   [Read More](https://blog.rch1.com/blog/auto-portability-is-an-easily-quantifiable-solution-for-helping-participants-achieve-financial-wellness) Apr 22 2021 ## [The Case for Auto Portability Gets Stronger](https://blog.rch1.com/blog/the-case-for-auto-portability-gets-stronger) ![The Case for Auto Portability Gets Stronger](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/epic_handshake.jpg?width=200&name=epic_handshake.jpg)The case for [auto portability](https://rch1.com/auto-portability), the new 401(k) plan default feature that automatically transfers small-balance retirement savings when participants change jobs, has always been strong. Now, with the April 22nd release of EBRI’s 31st Annual Retirement Confidence Survey (RCS), the case has grown stronger.   [Read More](https://blog.rch1.com/blog/the-case-for-auto-portability-gets-stronger) Page: [‹](https://blog.rch1.com/blog/topic/retirement-plan-portability/page/3) [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) [6](https://blog.rch1.com/blog/topic/retirement-plan-portability/page/6) [›](https://blog.rch1.com/blog/topic/retirement-plan-portability/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) - 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