--- title: RCH Consolidation Corner | Retirement Savings Portability (6) description: Retirement Savings Portability | Keep up to date on all of the latest industry news with RCH1 (6) --- [![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 Portability (6) ### 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 08 2019 ## [Cybersecurity is Augmented by Auto Portability](https://blog.rch1.com/blog/cybersecurity-is-augmented-by-auto-portability) [![EBN](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage.jpg?width=200&name=ebnimage.jpg)](https://www.benefitnews.com/opinion/how-to-protect-401k-plans-from-cybersecurity-risks) All companies that manage personal consumer data, regardless of where they are based or what industry they are part of, are right to be concerned about [cybersecurity](https://www.benefitnews.com/opinion/why-cyberattacks-make-a-compelling-case-for-auto-portability). The scope and scale of cyberattacks continue to increase around the world, as last year’s breach compromising 50 million Facebook users demonstrated. [Read More](https://blog.rch1.com/blog/cybersecurity-is-augmented-by-auto-portability) Mar 27 2019 ## [Tax Day is Coming—Encourage Millennial Participants to Incubate Saver’s Credits](https://blog.rch1.com/blog/tax-day-is-coming-encourage-millennial-participants-to-incubate-savers-credits) [![ebnimage](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage.jpg?width=200&name=ebnimage.jpg)](https://www.benefitnews.com/opinion/teach-millennials-why-not-to-cash-out-retirement-401k) April 15 is just around the corner. While many Americans dread Tax Day, April 15 presents defined contribution plan sponsors with an opportunity to demonstrate their value as [fiduciaries](https://www.benefitnews.com/opinion/what-the-dols-fiduciary-rule-doesnt-say), and as [financial wellness](https://www.benefitnews.com/opinion/the-rallying-cry-for-improving-financial-wellness) advocates. [Read More](https://blog.rch1.com/blog/tax-day-is-coming-encourage-millennial-participants-to-incubate-savers-credits) Feb 28 2019 ## [5 Ways to Check if Your ARO Program Needs an Upgrade](https://blog.rch1.com/blog/5-ways-to-check-if-your-aro-program-needs-an-upgrade) [![EBN logo](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage.jpg?width=200&name=ebnimage.jpg)](https://www.benefitnews.com/opinion/ways-to-check-if-your-automatic-rollover-program-needs-an-upgrade)The long-awaited [Department of Labor (DOL) guidance](https://rch1.com/news/press-release--robert-l-johnson-welcomes-department-of-labors-advisory-opinion-on-auto-portability) on the legal and regulatory framework for auto portability has cleared the way for plan sponsors to further enhance and optimize their automatic rollover programs. By explicitly recognizing auto portability’s potential benefits to retirement savers, the DOL acknowledges that existing ARO programs have flaws which auto portability can fix. [Read More](https://blog.rch1.com/blog/5-ways-to-check-if-your-aro-program-needs-an-upgrade) Jan 29 2019 ## [Want to Help Minority Participants Save More for Retirement? Adopt Auto Portability](https://blog.rch1.com/blog/want-to-help-minority-participants-save-more-for-retirement-adopt-auto-portability) ![From the Top Spencer Williams](https://blog.rch1.com/hs-fs/hubfs/Publications/RCH/FromTheTopv3-01.png?width=200&name=FromTheTopv3-01.png)Much has been written about America’s retirement-savings shortfall. Much has also been written about one of the major reasons for this shortfall—the lack of technology and operating standards to make [seamless plan-to-plan savings portability](https://www.benefitnews.com/opinion/why-retirement-portability-should-become-employers-next-big-focus) easy for America’s highly mobile workforce. The cumbersome and costly nature of [DIY portability](https://www.benefitnews.com/opinion/diy-plan-to-plan-portability-is-harder-than-you-think) has made prematurely cashing out small-balance 401(k) savings accounts, or stranding them in former employers’ plans, the easiest options for many participants after they change jobs. [Read More](https://blog.rch1.com/blog/want-to-help-minority-participants-save-more-for-retirement-adopt-auto-portability) Jan 22 2019 ## [Sidecar Accounts Can Plug Some 401(k) Leakage—But Not Most Leakage](https://blog.rch1.com/blog/sidecar-accounts-can-plug-some-401k-leakage-but-not-most-leakage) [![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/sidecar-accounts-can-help-plug-401k-retirement-leakage)“Not having enough emergency savings for unexpected expenses” is the No. 1 financial concern for Millennials and members of Generation X, and the No. 2 financial concern among Baby Boomers, after retirement security. These findings from a [PwC Employee Financial Wellness Survey](https://www.pwc.com/us/en/industries/private-company-services/library/financial-well-being-retirement-survey.html) released last year shouldn’t surprise members of the retirement services industry, since too many defined contribution plan participants dip into their 401(k) savings—through loans, hardship withdrawals, or cash-outs upon changing jobs—to fund emergency expenses. [Read More](https://blog.rch1.com/blog/sidecar-accounts-can-plug-some-401k-leakage-but-not-most-leakage) Sep 27 2018 ## [Pairing 401(k) Savings Preservation and Expanded Access for America’s Minorities](https://blog.rch1.com/blog/pairing-401k-savings-preservation-and-expanded-access-for-americas-minorities) ![092718 Blog Inline Image](https://blog.rch1.com/hs-fs/hubfs/092718%20Blog%20Inline%20Image.png?width=200&name=092718%20Blog%20Inline%20Image.png)Over the past few years, we’ve written extensively about [auto portability](https://rch1.com/autoportability) -- what it is, how it works and the significant, positive impact it will have on the retirement security of working Americans.  Our positions have been supported by [research](https://rch1.com/auto-portability/foundational-research), predictive models (including [EBRI’s RSPM](https://rch1.com/blog/new-ebri-research-finds-2t-saved-from-automated-portability)) and [real-world results](https://info.rch1.com/brt-auto-portability-white-paper) from the initial implementation of auto portability. In this article, we address an important retirement public policy question: How would a pairing of auto portability with open multiple employer plans (or “open MEPs”) impact the retirement savings of America’s minorities, and particularly, African-Americans? [Read More](https://blog.rch1.com/blog/pairing-401k-savings-preservation-and-expanded-access-for-americas-minorities) Aug 09 2018 ## [The Next Big Advancement for the 401(k)](https://blog.rch1.com/blog/the-next-big-advancement-for-the-401k) [![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-next-big-advancement-for-the-401k) Although the 401(k) is today the primary retirement-savings vehicle for many hardworking Americans, it can be easy to forget that the 401(k) is still a relatively new phenomenon. [Read More](https://blog.rch1.com/blog/the-next-big-advancement-for-the-401k) Jul 25 2018 ## [401(k) Truth Bomb: Missing Participants are Bad, 401(k) Cashouts Are Worse](https://blog.rch1.com/blog/401k-truth-bomb-missing-participants-are-bad-401k-cashouts-are-worse) ![This Way to Your Next Job](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/This%20Way%20to%20Your%20Next%20Job.png?width=200&name=This%20Way%20to%20Your%20Next%20Job.png)The [problem of missing participants](https://blog.rch1.com/blog/rch-releases-new-video-addressing-the-problem-of-missing-participants) continues to receive a great deal of attention from plan sponsors, industry advocates, regulators and politicians.  All parties are keen to address the negative outcomes that result when job-changing 401(k) participants leave behind their accounts with former employers, relocate and fail to update their address. [Read More](https://blog.rch1.com/blog/401k-truth-bomb-missing-participants-are-bad-401k-cashouts-are-worse) Jul 17 2018 ## [Regulators and Policy Advocates Focus on Retirement Savings Portability](https://blog.rch1.com/blog/regulators-and-policy-advocates-focus-on-retirement-savings-portability) [![Retirement Savings Portability](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/CC%20Blog%20071718%20TH.png?width=200&name=CC%20Blog%20071718%20TH.png)Research has conclusively demonstrated](https://info.rch1.com/brg-white-paper) that retirement savings portability dramatically reduces 401(k) cashout leakage, preserves retirement savings and reduces the incidence of missing participants. With that in mind, it’s not surprising that recent retirement public policy activities are increasingly focused on various aspects of portability. [Read More](https://blog.rch1.com/blog/regulators-and-policy-advocates-focus-on-retirement-savings-portability) Jul 06 2018 ## [Auto Portability’s Role in Helping Women Save More for Retirement](https://blog.rch1.com/blog/auto-portabilitys-role-in-helping-women-save-more-for-retirement) [![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/auto-portability-key-to-helping-women-save-in-retirement) If current trends continue, approximately 104 million women will cash out almost $800 billion in retirement savings, in today’s dollars, over the next generation. This eye-popping statistic, presented at a [“Women and Retirement Income” roundtable discussion](https://blog.rch1.com/blog/understanding-and-solving-the-problem-of-womens-401k-cashout-leakage) on May 22 sponsored by the Women’s Institute for a Secure Retirement (WISER), underscores the importance of financial wellness initiatives by plan sponsors to help women participants avoid cash-outs and instead [preserve their 401(k) savings in the retirement system](https://www.benefitnews.com/opinion/a-blueprint-for-lifetime-participation-in-401-k-plans). [Read More](https://blog.rch1.com/blog/auto-portabilitys-role-in-helping-women-save-more-for-retirement) Page: [‹](https://blog.rch1.com/blog/topic/retirement-savings-portability/page/5) [4](https://blog.rch1.com/blog/topic/retirement-savings-portability/page/4) [5](https://blog.rch1.com/blog/topic/retirement-savings-portability/page/5) [6](https://blog.rch1.com/blog/topic/retirement-savings-portability/page/6) [7](https://blog.rch1.com/blog/topic/retirement-savings-portability/page/7) [8](https://blog.rch1.com/blog/topic/retirement-savings-portability/page/8) [›](https://blog.rch1.com/blog/topic/retirement-savings-portability/page/7) [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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