--- title: RCH Consolidation Corner | Retirement Plan Portability (7) description: Retirement Plan Portability | Keep up to date on all of the latest industry news with RCH1 (7) --- [![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 (7) ### 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 15 2018 ## [The Missing Piece in 401(k) Retirement Income: Consolidation](https://blog.rch1.com/blog/the-missing-piece-in-retirement-income) ![Missing piece in retirement income: consolidation](https://blog.rch1.com/hs-fs/hubfs/Onedolar.png?width=200&name=Onedolar.png "Missing piece in retirement income: consolidation") As Baby Boomers begin to retire in record numbers, they’re shifting their attention from saving for retirement to the process of decumulation, or converting their 401(k) savings into retirement income. For many Boomers, their current-employer’s 401(k) plan wants to come to the rescue, offering them a dizzying array of retirement income solutions. Unfortunately, as these solutions begin to encounter reality, Boomers are finding that one simple, yet critical element is missing that prevents them from working as intended – the consolidation of their retirement savings. [Read More](https://blog.rch1.com/blog/the-missing-piece-in-retirement-income) Apr 17 2018 ## [DC Plan Sponsor Priorities Should Include Plugging Leakage, Enabling Auto Portability](https://blog.rch1.com/blog/dc-plan-sponsor-priorities-should-include-plugging-leakage-enabling-auto-portability) [![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/opinion/priorities-for-retirement-plan-sponsors-plugging-leakage-enabling-auto-portability)As we continue to make our way through the second quarter of 2018, now is a good time to reflect on defined contribution (DC) plan sponsor priorities for this year. The top priorities for these plan sponsors in 2018, [outlined in December 2017 by Mercer](https://www.mercer.com/newsroom/defined-contribution-plan-sponsor-priorities-for-2018.html), include: [Read More](https://blog.rch1.com/blog/dc-plan-sponsor-priorities-should-include-plugging-leakage-enabling-auto-portability) Dec 11 2017 ## [The Best Blueprint for Improving Retirement Security](https://blog.rch1.com/blog/the-best-blueprint-for-improving-retirement-security) [![EBN Logo](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage.jpg?width=200&name=ebnimage.jpg "EBN Logo")](https://www.benefitnews.com/opinion/a-blueprint-for-reuniting-orphaned-401-k-accounts-with-their-owners)Much has been written [in this column](https://www.benefitnews.com/opinion/auto-portability-helps-everybody-and-hurts-nobody) and elsewhere about the benefits that auto portability, and seamless plan-to-plan portability in general, can provide to millions of retirement-savers across America. As any entrepreneur can testify, it is challenging to initiate a major innovation, and then persevere through all the twists and turns along the road to widespread adoption. Fortunately for everyday Americans saving for retirement, there is already an established blueprint in place for launching a [nationwide, private-sector retirement clearinghouse that will enable auto portability](https://www.benefitnews.com/opinion/how-to-reunite-employees-with-their-old-401-k-accounts). [Read More](https://blog.rch1.com/blog/the-best-blueprint-for-improving-retirement-security) Nov 01 2017 ## [How to Contain the Damage from the Small-Account Explosion](https://blog.rch1.com/blog/how-to-contain-the-damage-from-the-small-account-explosion) [![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/opinion/how-to-reunite-employees-with-their-old-401-k-accounts)Much has been written about the proliferation of small accounts in our nation’s retirement system, and [the problems that this explosion has created](https://www.benefitnews.com/opinion/why-small-retirement-accounts-are-the-root-of-many-problems). A primary solution to the small-account quandary that I have frequently advocated in this column is auto portability. [Read More](https://blog.rch1.com/blog/how-to-contain-the-damage-from-the-small-account-explosion) Oct 25 2017 ## [In Search Of: Guidance for Locating Missing Participants](https://blog.rch1.com/blog/in-search-of-guidance-for-locating-missing-participants) ![In Search of Guidance](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/In_Search_of_Guidance.png?width=200&name=In_Search_of_Guidance.png "In Search of Guidance")Two weeks ago, I authored an [article](https://blog.rch1.com/blog/bringing-clarity-to-the-murky-problem-of-missing-participants) applauding the [American Benefits Council](https://www.americanbenefitscouncil.org/) for their [October 2nd, 2017 letter](https://www.americanbenefitscouncil.org/pub/?id=d68a50ca-908c-9e37-d53d-3111689f91ff) to the [Department of Labor (DOL)](https://www.dol.gov), which clearly identified the root causes of missing participants: a [highly-mobile workforce](https://info.rch1.com/mobileworkforce) and a lack of retirement savings portability. Extending the Council’s insight, I maintained that what’s really “missing” in our defined contribution system are initiatives that move retirement savings forward when participants change jobs, such as [auto portability](http://www.rch1.com/auto-portability). When implemented, these initiatives could serve to dramatically decrease the overall incidence of [missing participants](https://www.rch1.com/missing-participants). [Read More](https://blog.rch1.com/blog/in-search-of-guidance-for-locating-missing-participants) Oct 13 2017 ## [Bringing Clarity to the Murky Problem of Missing Participants](https://blog.rch1.com/blog/bringing-clarity-to-the-murky-problem-of-missing-participants) ![The Murkey Problem of Missing Participants](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/Murky_Missing_PPTs.png?width=200&name=Murky_Missing_PPTs.png "The Murkey Problem of Missing Participants")On October 2nd, 2017, the [American Benefits Council](https://www.americanbenefitscouncil.org/) delivered a [letter](https://www.americanbenefitscouncil.org/pub/?id=d68a50ca-908c-9e37-d53d-3111689f91ff) to the [Department of Labor](https://www.dol.gov/) (DoL), urging the DoL to act on the problem of unresponsive or [missing participants](https://www.rch1.com/missing-participants), an issue that has proven to be a significant point-of-pain for plan sponsors. [Read More](https://blog.rch1.com/blog/bringing-clarity-to-the-murky-problem-of-missing-participants) Oct 05 2017 ## [‘May Day, May Day’: Locate your plan’s lost & missing participants before it’s too late](https://blog.rch1.com/blog/may-day-may-day-locate-your-plans-lost-and-missing-participants-before-its-too-late) [![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/opinion/why-cyberattacks-make-a-compelling-case-for-auto-portability)The recent hacking of Equifax, which potentially compromised the security of sensitive information for 143 million Americans, doesn’t just reinforce [the importance of cybersecurity](https://blog.rch1.com/blog/cybersecurity-meets-retirement-security). This cyberattack also makes a compelling case for the widespread adoption of auto portability. [Read More](https://blog.rch1.com/blog/may-day-may-day-locate-your-plans-lost-and-missing-participants-before-its-too-late) Sep 18 2017 ## [The Explosion of Small 401(k) Accounts](https://blog.rch1.com/blog/the-massive-explosion-of-small-401k-accounts) ![Small 401K Account Problems](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/small401kaccountexplosionSM.png?width=200&name=small401kaccountexplosionSM.png "Small 401K Account Problems")It’s generally accepted that the small-balance accounts of terminated 401(k) plan participants have been a problem for plan sponsors, resulting in increased plan costs, fiduciary risk and other ancillary problems, such as missing participants and uncashed distribution checks. Now, based on new information from EBRI and other sources, we’re learning that small accounts are a large and growing problem for active participants as well. [Read More](https://blog.rch1.com/blog/the-massive-explosion-of-small-401k-accounts) Aug 30 2017 ## [The Exit Bonus Employers Never Intended to Pay](https://blog.rch1.com/blog/the-exit-bonus-employers-never-intended-topay) [![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/opinion/the-exit-bonus-employers-never-intended-to-pay)Without [seamless plan-to-plan portability](https://www.benefitnews.com/opinion/why-retirement-portability-should-become-employers-next-big-focus) in place to preserve retirement savings when a participant changes jobs, many employers are unwittingly paying “exit bonuses” to terminated employees that they may never have intended to pay. [Read More](https://blog.rch1.com/blog/the-exit-bonus-employers-never-intended-topay) Aug 09 2017 ## [Small Accounts: The Root of Many Problems](https://blog.rch1.com/blog/small-accounts-the-root-of-many-problems) [![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/opinion/why-small-retirement-accounts-are-the-root-of-many-problems)If you’re like most homeowners during these dog days of summer, you’re not just basking in the sunshine or swimming in the pool with your family. You also have a fight on your hands—the war against the dandelions that invade and attempt to occupy your entire lawn every year at this time. [Read More](https://blog.rch1.com/blog/small-accounts-the-root-of-many-problems) Page: [‹](https://blog.rch1.com/blog/topic/retirement-plan-portability/page/6) [5](https://blog.rch1.com/blog/topic/retirement-plan-portability/page/5) [6](https://blog.rch1.com/blog/topic/retirement-plan-portability/page/6) [7](https://blog.rch1.com/blog/topic/retirement-plan-portability/page/7) [8](https://blog.rch1.com/blog/topic/retirement-plan-portability/page/8) [9](https://blog.rch1.com/blog/topic/retirement-plan-portability/page/9) [›](https://blog.rch1.com/blog/topic/retirement-plan-portability/page/8) [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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