--- title: RCH Consolidation Corner | Retirement Savings Consolidation description: Retirement Savings Consolidation | Keep up to date on all of the latest industry news with RCH1 --- [![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 Savings Consolidation ### 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. --- Aug 11 2023 ## [The Future is Brighter for Small-Balance Retirement Accounts](https://blog.rch1.com/blog/the-future-is-brighter-for-small-balance-retirement-accounts) ![](https://rch1.com/storage/wysiwyg/the_future_is_brighter.png)While small-balance retirement savings accounts have fared poorly in the past, their future has never looked brighter. Real progress is being made in reducing their numbers while simultaneously preserving and consolidating their savings, vs. previous “solutions” that encouraged them to cash out or exiled them to dead-end safe harbor IRAs. [Read More](https://blog.rch1.com/blog/the-future-is-brighter-for-small-balance-retirement-accounts) Apr 28 2023 ## [Highway Through the 'Danger Zone'](https://blog.rch1.com/blog/highway-through-the-danger-zone) ![Highway Through the Danger Zone](https://blog.rch1.com/hs-fs/hubfs/Highway%20Through%20the%20Danger%20Zone.png?width=200&height=113&name=Highway%20Through%20the%20Danger%20Zone.png)The 401(k) cashout leakage problem is once again in the news, with the publication of an [alarming study](https://pubsonline.informs.org/doi/10.1287/mksc.2022.1404) by academics, as well as new data from Fidelity Investments revealing a cashout leakage ‘danger zone’ facing participants between the ages of 30-39. These studies, combined with the mounting weight of empirical evidence gathering for more than a decade, confirm that 401(k) cashout leakage is a huge, persistent problem. [Read More](https://blog.rch1.com/blog/highway-through-the-danger-zone) Nov 01 2022 ## [A New Year’s Resolution for Sponsors: Facilitate Automated Plan-to-Plan Portability for Your Participants](https://blog.rch1.com/blog/a-new-years-resolution-for-sponsors-facilitate-auto-portability) ![ebnimage](https://blog.rch1.com/hs-fs/hubfs/ebnimage.jpg?width=200&name=ebnimage.jpg)At a time when terms like “inflation,” “gas prices,” “recession,” and “volatility” dominate chatter about the U.S. economy, plan sponsors and recordkeepers are likely fielding questions and concerns from participants. [Every dollar counts](https://www.benefitnews.com/advisers/opinion/every-dollar-counts-in-todays-zero-interest-rate-environment) when saving for a financially secure retirement, especially with the present volatility in the financial markets. But while investment fund options, asset classes, and fees are important for helping participants weather inflation and save more, there is another way that sponsors and recordkeepers can help participants protect, and increase, their retirement savings in the New Year—facilitate portability. [Read More](https://blog.rch1.com/blog/a-new-years-resolution-for-sponsors-facilitate-auto-portability) Aug 31 2022 ## [Every Dollar Saved for Retirement Matters -- So Save More By Avoiding Cash-Outs & Consolidating 401(k) Accounts](https://blog.rch1.com/blog/every-dollar-saved-for-retirement-matters-so-save-more-by-avoiding-cash-outs-consolidating-401k-accounts) ![ebnimage](https://blog.rch1.com/hs-fs/hubfs/ebnimage.jpg?width=200&name=ebnimage.jpg)Retired Baby Boomers who are saving for retirement through defined contribution plans like 401(k)s are drawing down their savings faster than their counterparts in previous generations who had pensions and other defined benefit plans, according to [recent industry research](https://www.financial-planning.com/news/boomers-cash-out-401ks-faster-than-predecessors-did-pensions). And on top of that, Baby Boomers who may be relying solely on their defined contribution plans may wind up with less savings for retirement than their counterparts who waited longer to withdraw savings from their defined benefit plans—and could, therefore, outlive their nest eggs. [Read More](https://blog.rch1.com/blog/every-dollar-saved-for-retirement-matters-so-save-more-by-avoiding-cash-outs-consolidating-401k-accounts) May 05 2022 ## [Addressing the Achilles’ Heel of Auto IRA Programs](https://blog.rch1.com/blog/addressing-the-achilles-heel-of-auto-ira-programs) ![Addressing the Achilles Heel of Auto IRA Programs](https://blog.rch1.com/hs-fs/hubfs/Addressing%20the%20Achilles%20Heel%20of%20Auto%20IRA%20Programs.png?width=200&name=Addressing%20the%20Achilles%20Heel%20of%20Auto%20IRA%20Programs.png)I’m convinced that Auto IRA programs, despite their potential size and strength, suffer from an obvious Achilles’ heel: a lack of retirement savings portability.   Without addressing their portability problem, Auto IRA programs could expand, but may never reach their full potential, housing large numbers of churning, small-balance accounts. However, with adequate support for portability both into and out of these programs, they could dramatically increase the odds that they deliver on their promise of building incremental retirement wealth for millions of Americans. [Read More](https://blog.rch1.com/blog/addressing-the-achilles-heel-of-auto-ira-programs) Apr 28 2022 ## [Key Portability Finding Located in EBRI's Retirement Confidence Survey](https://blog.rch1.com/blog/key-portability-finding-located-in-ebris-retirement-confidence-survey) ![Key Portability Finding Located](https://blog.rch1.com/hs-fs/hubfs/Key%20Portability%20Finding%20Located.png?width=200&name=Key%20Portability%20Finding%20Located.png)An interesting and valuable finding lies buried within EBRI’s 2022 Retirement Confidence Survey (RCS), but you won’t find it referenced in the organization’s initial report, officially released to the public on Thursday, April 28th. In an excerpt of a [report available to survey partners](https://blog.rch1.com/hubfs/Presentation_Decks/2022%20RCS%20Funder%20Report%203.28.22%20Excerpt.pdf#page=3), the RCS found that a plurality of job-changing 401(k) plan participants favored automatic plan-to-plan portability over consolidating their savings to an IRA, or leaving their savings behind in their former employer’s plan. This result comes on the heels of EBRI’s 2021 survey, which found that nearly [9 in 10 participants beli](https://rch1.com/blog/the-case-for-auto-portability-gets-stronger)[eved that auto portability would be valuable](https://rch1.com/blog/the-case-for-auto-portability-gets-stronger) to them. [Read More](https://blog.rch1.com/blog/key-portability-finding-located-in-ebris-retirement-confidence-survey) Apr 12 2022 ## [On Filling the Leaky 401(k) Bucket](https://blog.rch1.com/blog/on-filling-the-leaky-401k-bucket) ![office](https://blog.rch1.com/hs-fs/hubfs/office.jpg?width=200&name=office.jpg)In general, legislation that gets more Americans saving for retirement is good. But if a great many of those incremental savers would likely cash out their savings immediately following a job change, then the public policy benefits might fall a bit short, no? [Read More](https://blog.rch1.com/blog/on-filling-the-leaky-401k-bucket) Mar 30 2022 ## [Auto Portability’s Key Role Featured in U.S. Senate HELP Committee Hearing](https://blog.rch1.com/blog/auto-portabilitys-key-role-featured-in-u.s.-senate-help-committee-hearing) ![Senate HELP Logo](https://blog.rch1.com/hs-fs/hubfs/Senate%20HELP%20Logo.png?width=225&name=Senate%20HELP%20Logo.png)A 03/29/22 hearing by the [U.S. Senate Committee on Health, Education, Labor & Pensions](https://www.help.senate.gov/) (HELP), [*Rise and Shine: Improving Retirement and Enhancing Savings*](https://www.help.senate.gov/hearings/rise-and-shine-improving-retirement-and-enhancing-savings), focused on solutions that would enhance retirement security for Americans, particularly those who are under-served and under-saved.   [Read More](https://blog.rch1.com/blog/auto-portabilitys-key-role-featured-in-u.s.-senate-help-committee-hearing) Jan 17 2022 ## [Robert L. Johnson, Chairman of the Board and Largest Shareholder of Retirement Clearinghouse, Secures Endorsement of Two Civil Rights Organizations for Auto Portability](https://blog.rch1.com/blog/robert-l.-johnson-chairman-of-board-and-largest-shareholder-of-retirement-clearinghouse-secures-endorsement-of-two-civil-rights-organizations-for-auto-portability) ![NAACP and NUL Endorsements](https://blog.rch1.com/hs-fs/hubfs/NAACP%20and%20NUL%20Endorsements.png?width=225&name=NAACP%20and%20NUL%20Endorsements.png)Robert L. Johnson, Founder and Chairman of [The RLJ Companies](https://rljcompanies.com) and Chairman of the Board and largest shareholder of [Retirement Clearinghouse (RCH)](https://rch1.com), has secured endorsements for [auto portability](https://rch1.com/auto-portability) from two premier civil rights organizations – the [National Urban League](https://nul.org), and the [National Association for the Advancement of Colored People (NAACP)](https://naacp.org) – both with over a century of experience advocating for solutions that address the inequities and economic challenges experienced by Black Americans and by other communities of color. [Read More](https://blog.rch1.com/blog/robert-l.-johnson-chairman-of-board-and-largest-shareholder-of-retirement-clearinghouse-secures-endorsement-of-two-civil-rights-organizations-for-auto-portability) Jan 06 2022 ## [Four Reasons Why 401(k) Auto Portability is Inevitable](https://blog.rch1.com/blog/four-reasons-why-401k-auto-portability-is-inevitable) ![AP is Inevitable](https://blog.rch1.com/hs-fs/hubfs/AP%20is%20Inevitable.png?width=200&name=AP%20is%20Inevitable.png)Despite my being a long-time, unabashed proponent of [auto portability](https://rch1.com/auto-portability) – the new plan feature that provides seamless, end-to-end portability for small 401(k) retirement savings accounts – it’s always felt like an uphill battle to bring about its widespread adoption in our 401(k) system. While that battle is by no means over, in late 2021, I finally accepted and now firmly believe that auto portability is, in fact, inevitable. [Read More](https://blog.rch1.com/blog/four-reasons-why-401k-auto-portability-is-inevitable) Page: ‹ [1](https://blog.rch1.com/blog) [2](https://blog.rch1.com/blog/topic/retirement-savings-consolidation/page/2) [›](https://blog.rch1.com/blog/topic/retirement-savings-consolidation/page/2) [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) - 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