--- title: RCH Consolidation Corner | Retirement Plan Portability (5) description: Retirement Plan Portability | Keep up to date on all of the latest industry news with RCH1 (5) --- [![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 (5) ### 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. --- Mar 31 2021 ## [Cracking the Code to True 401(k) Portability](https://blog.rch1.com/blog/cracking-the-code-to-true-401k-portability) ![Cracking-the-Code-to-401k-Portability](https://blog.rch1.com/hs-fs/hubfs/Cracking-the-Code-to-401k-Portability.png?width=200&name=Cracking-the-Code-to-401k-Portability.png)America’s 401(k) system, long plagued by friction, produces $92.4 billion of [excessive cash-out leakage](https://401kspecialistmag.com/the-tragicomedy-of-401k-cashout-leakage/) annually.   In recent years and culminating in 2021, the private sector has finally “cracked the code” and is delivering innovative fintech solutions, combined with education and personal assistance to reduce friction and to enable true 401(k) portability. [Read More](https://blog.rch1.com/blog/cracking-the-code-to-true-401k-portability) Mar 22 2021 ## [What’s Missing from Many Plans? Current Addresses for Participants](https://blog.rch1.com/blog/whats-missing-from-many-plans-current-addresses-for-participants) [![ebnimage](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage.jpg?width=200&name=ebnimage.jpg)](https://www.benefitnews.com/advisers/opinion/retirement-plans-are-missing-this-crucial-information)So many extraordinary developments took place last year that some trends fell under the radar. One of these—the sharp uptick in migration out of large U.S. cities—can make a significant impact on sponsors and their plans. [Read More](https://blog.rch1.com/blog/whats-missing-from-many-plans-current-addresses-for-participants) Mar 17 2021 ## [Consolidating the Gains from a Program of Retirement Savings Portability](https://blog.rch1.com/blog/consolidating-the-gains-from-a-program-of-retirement-savings-portability) ![Consolidating Gains](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/Consolidating%20Gains.png?width=200&name=Consolidating%20Gains.png) When research performed 8 years ago reveals that your 401(k) plan, by turning on portability and consolidation for all participants, has halved cashout leakage and dramatically reduced its small account problem, what do you do for an encore? [Read More](https://blog.rch1.com/blog/consolidating-the-gains-from-a-program-of-retirement-savings-portability) Feb 22 2021 ## [Auto Portability Is, And Always Will Be, A Bipartisan Solution](https://blog.rch1.com/blog/auto-portability-is-and-always-will-be-a-bipartisan-solution) [![ebnimage](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage.jpg?width=200&name=ebnimage.jpg)](https://www.benefitnews.com/opinion/auto-portability-is-and-always-will-be-a-bipartisan-solution)With Boston Mayor Marty Walsh’s nomination to become Secretary of Labor advancing through the Senate, the transfer of power in Washington, DC is progressing. Although the Department of Labor is taking direction from a Democratic administration, the solution to the problem of rampant asset-leakage from the U.S. retirement system will remain on track. [Read More](https://blog.rch1.com/blog/auto-portability-is-and-always-will-be-a-bipartisan-solution) 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 01 2021 ## [Nudge Theory can Help Sponsors Strengthen Financial Wellness Initiatives](https://blog.rch1.com/blog/nudge-theory-can-help-sponsors-strengthen-financial-wellness-initiatives) [![ebnimage](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage.jpg?width=200&name=ebnimage.jpg)](https://www.benefitnews.com/opinion/nudge-theory-can-help-strengthen-financial-wellness-initiatives)After the year we’ve had, it’s no wonder there is so much more concern about financial wellness. But while plan sponsors are well-intentioned in their efforts to help participants increase their retirement savings and other financial outcomes, the latter haven’t noticed. [Read More](https://blog.rch1.com/blog/nudge-theory-can-help-sponsors-strengthen-financial-wellness-initiatives) Dec 19 2020 ## [How Sponsors can Facilitate Better Participant Outcomes—and Improve Plan Metrics—in 2021](https://blog.rch1.com/blog/how-sponsors-can-facilitate-better-participant-outcomes-and-improve-plan-metrics-in-2021) [![ebn logo](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage.jpg?width=200&name=ebnimage.jpg)](https://www.benefitnews.com/opinion/how-sponsors-can-facilitate-better-retirement-participant-outcomes-and-improve-plan-metrics-in-2021)You don’t need me to remind you that 2020 has been an extraordinary year that many of us would like to forget. The New Year we have been looking forward to for some time is now here. [Read More](https://blog.rch1.com/blog/how-sponsors-can-facilitate-better-participant-outcomes-and-improve-plan-metrics-in-2021) Nov 09 2020 ## [Elections Have Consequences—Elect to Help Participants Keep Their Savings, Instead of Losing Their Savings via Mandatory Distributions](https://blog.rch1.com/blog/elections-have-consequences-elect-to-help-participants-keep-their-savings-instead-of-losing-their-savings-via-mandatory-distributions) [![ebn logo](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage.jpg?width=200&name=ebnimage.jpg)](https://www.benefitnews.com/opinion/elect-to-help-your-employees-keep-their-retirement-savings)No, this article isn’t about the Presidential election. But this year’s election, which took place in the middle of a global pandemic, reminds us that some things are in our control, and some things aren’t.  [Read More](https://blog.rch1.com/blog/elections-have-consequences-elect-to-help-participants-keep-their-savings-instead-of-losing-their-savings-via-mandatory-distributions) Sep 17 2020 ## [Every Dollar Counts in Today’s Zero-Interest-Rate Environment](https://blog.rch1.com/blog/every-dollar-counts-in-todays-zero-interest-rate-environment) [![ebn logo](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage.jpg?width=200&name=ebnimage.jpg)](https://www.benefitnews.com/advisers/opinion/every-dollar-counts-in-todays-zero-interest-rate-environment)It’s no secret that interest rates have been at historically low levels for quite some time, but the recent announcement by Federal Reserve Chairman Jerome Powell indicates that rates will stay near zero for the foreseeable future. Chairman Powell stated in his address last month that the Fed would tolerate above-2% inflation instead of attempting to preemptively control inflation by raising interest rates. [Read More](https://blog.rch1.com/blog/every-dollar-counts-in-todays-zero-interest-rate-environment) Aug 06 2020 ## [How to Mitigate COVID-19’s Potentially Catastrophic Impact on Americans’ Retirement Readiness](https://blog.rch1.com/blog/how-to-mitigate-covid-19s-potentially-catastrophic-impact-on-americans-retirement-readiness) [![ebn logo](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage.jpg?width=200&name=ebnimage.jpg)](https://www.benefitnews.com/opinion/mitigating-covid-19s-catastrophic-impact-on-retirement-readiness)It’s bad enough that more than 50 million Americans have filed claims for unemployment benefits since the start of the COVID-19 pandemic and lockdown. 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