--- title: RCH Consolidation Corner | Retirement Savings Portability (7) description: Retirement Savings 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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This predicament, one of the many offshoots of [the problem of too many small accounts](https://www.benefitnews.com/opinion/why-small-retirement-accounts-are-the-root-of-many-problems), is an urgent one for sponsors to address given reports that the Department of Labor (DOL) is focusing on their ability to locate missing participants during plan audits. [Read More](https://blog.rch1.com/blog/encouraging-401k-account-consolidation-is-the-key-to-reducing-lost-missing-participants) 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) Apr 09 2018 ## [America’s Modern Throwaway – 401(k) Retirement Savings](https://blog.rch1.com/blog/why-recycling-is-coming-to-the-american-retirement-industry) ![Retirement Savings 401K Cashout Landfill](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/RS_Landfill.png?width=200&height=127&name=RS_Landfill.png)Following World War II, America saw the rise of a “throwaway” society – consuming, squandering and discarding vast quantities of national resources. Gradually, an awakening occurred as we realized that conservation was a more-sustainable path. Recycling models emerged, and once fully-adopted, they became deeply-ingrained in our psyches and formed a pillar of corporate social responsibility.    [Read More](https://blog.rch1.com/blog/why-recycling-is-coming-to-the-american-retirement-industry) 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 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) 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) Jul 05 2017 ## [Rising Healthcare Costs Necessitate Healthy Retirement-Saving Habits](https://blog.rch1.com/blog/rising-healthcare-costs-necessitate-healthy-retirement-saving-habits) [![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/rising-healthcare-costs-necessitate-healthy-retirement-saving-habits)If you think of retirement savings as a key part of a healthy retirement, then anyone who has prematurely cashed out 401(k) savings during their working life has suffered a compound fracture that will require several stages of therapy to fully rehabilitate. But a cash-out isn’t the only impediment to a financially secure retirement for these hardworking Americans. [Read More](https://blog.rch1.com/blog/rising-healthcare-costs-necessitate-healthy-retirement-saving-habits) May 22 2017 ## [The Rallying Cry for Improving Financial Wellness: ‘Eradicate Cash-Out Leakage In Our Time!’](https://blog.rch1.com/blog/eradicate-cash-out-leakage-in-our-time) ![Employee Benefit News](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage.jpg?width=200&name=ebnimage.jpg "Employee Benefit News")Half a century ago, the global medical community united to wipe out smallpox, an infectious disease that afflicted mankind for millennia. In 1966, the World Health Organization (WHO) established the [Smallpox Eradication Programme](http://www.who.int/features/2010/smallpox/en/), which sent Western doctors to vaccinate the populations of nations and communities around the globe where smallpox was still rampant. No place where smallpox cases had been reported, or where the local population was not vaccinated, was overlooked by WHO medical teams, no matter how remote the village or how dangerous the journey. 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