--- title: RCH Consolidation Corner | Roll-In description: Roll-In | 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) - [Cash Out Calculator](https://rch1.com/individuals/cash-out-calculator) - 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[Plan Sponsor Support](https://rch1.com/plan-sponsors/rch-client-services) - [The Missing Participant Problem](https://rch1.com/plan-sponsors/addressing-the-problem-of-missing-participants) - [What is a Missing Participant?](https://rch1.com/plan-sponsors/addressing-the-problem-of-missing-participants/what-is-a-missing-participant) - [Why Plan Sponsors Should be Concerned](https://rch1.com/plan-sponsors/addressing-the-problem-of-missing-participants/why-plan-sponsors-should-be-concerned) - [What Causes Missing Participants?](https://rch1.com/plan-sponsors/addressing-the-problem-of-missing-participants/what-causes-missing-participants) - [The Magnitude of the Problem](https://rch1.com/plan-sponsors/addressing-the-problem-of-missing-participants/the-magnitude-of-the-missing-participant-problem) - [What Regulations Apply to Missing Participants?](https://rch1.com/plan-sponsors/addressing-the-problem-of-missing-participants/what-regulations-apply-to-missing-participants) - [Sources of Uncertainty for Plan Sponsors](https://rch1.com/plan-sponsors/addressing-the-problem-of-missing-participants/sources-of-uncertainty-for-plan-sponsors) - [Best Practices for Finding Missing Participants](https://rch1.com/plan-sponsors/addressing-the-problem-of-missing-participants/best-practices-for-finding-missing-participants) - [What to Look For in a Search Service](https://rch1.com/plan-sponsors/addressing-the-problem-of-missing-participants/what-to-look-for-in-a-missing-participant-search-service) - [Learn More About Missing Participants](https://rch1.com/plan-sponsors/addressing-the-problem-of-missing-participants/learn-more-about-missing-participants) - [RCH's Missing Participant Search Service](https://rch1.com/plan-sponsors/addressing-the-problem-of-missing-participants/the-rch-missing-participant-search-service) - [Terminating 401(k) Plans](https://rch1.com/plan-sponsors/terminating-a-401k-plan) - [Why 401(k) Plans Terminate](https://rch1.com/plan-sponsors/terminating-a-401k-plan/why-do-401k-plans-terminate) - [The Process for Terminating 401(k) Plans](https://rch1.com/plan-sponsors/terminating-a-401k-plan/what-is-the-process-for-terminating-a-401k-plan) - [Common Mistakes Sponsors Make](https://rch1.com/plan-sponsors/terminating-a-401k-plan/what-mistakes-do-plan-sponsors-make-when-terminating-401k-plans) - [What to Look for in a Service Provider](https://rch1.com/plan-sponsors/terminating-a-401k-plan/what-to-look-for-in-a-terminating-401k-service-provider) - [Get More Information](https://rch1.com/plan-sponsors/terminating-a-401k-plan/get-more-information-on-terminating-plans) - [RCH's Terminating Plan Service](https://rch1.com/plan-sponsors/terminating-a-401k-plan/plan-termination-services) - [Participant Testimonials](https://rch1.com/plan-sponsors/participant-testimonials) - [Due Diligence Material](https://rch1.com/plan-sponsors/due-diligence-material) - [Contact Us](https://rch1.com/plan-sponsors/contact-us) - [Accountholders](https://rch1.com/individuals) - [Individuals Home](https://rch1.com/individuals) - [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) - 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[News](https://rch1.com/news) - [Press Releases](https://rch1.com/press-releases) - [Thought Leadership](https://rch1.com/thought-leadership) - [Consolidation Corner Blog](https://rch1.com/blog) - [Consolidation Corner Channel](https://rch1.com/consolidation-corner-channel) - [Events](https://rch1.com/events) - [Login](https://rch1.com/#) ## Search Our Site Close Quicklinks - [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 Funds?](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) - [Cash Out Calculator](https://rch1.com/individuals/cash-out-calculator) - [Moving Your Retirement Savings Forward](https://rch1.com/individuals/moving-your-retirement-savings-forward) - [Contact Us](https://rch1.com/individuals/contact-us) - [Para español](https://rch1.com/individuals/contacto-retirement-clearinghouse) - 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[Get Updates on Auto Portability](https://rch1.com/auto-portability/get-updates-on-auto-portability) - [Plan Sponsors](https://rch1.com/plan-sponsors) - [The Small Account Problem](https://rch1.com/plan-sponsors/sponsors-home) - [RCH Portability Services](https://rch1.com/plan-sponsors/rch-portability-services) - [RCH Client Services](https://rch1.com/plan-sponsors/rch-client-services) - [Addressing the Problem of Missing Participants](https://rch1.com/plan-sponsors/addressing-the-problem-of-missing-participants) - [Terminating 401(k) Plans](https://rch1.com/plan-sponsors/terminating-a-401k-plan) - [Participant Testimonials](https://rch1.com/plan-sponsors/participant-testimonials) - [Due Diligence Material](https://rch1.com/plan-sponsors/due-diligence-material) - [Contact Us](https://rch1.com/plan-sponsors/contact-us) - [Accountholders](https://rch1.com/individuals) - [Individuals Home](https://rch1.com/individuals) - [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) - 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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 # Roll-In ### 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. --- Oct 17 2025 ## [‘Forgotten’ Accounts: Forget Hyperbole, Here’s a Solution](https://blog.rch1.com/blog/forgotten-accounts-forget-hyperbole-heres-a-solution) ![Forget Hyperbole](https://blog.rch1.com/hs-fs/hubfs/Forget%20Hyperbole.jpg?width=200&height=264&name=Forget%20Hyperbole.jpg)In October, retirement industry media outlets urgently reported on [updated research](https://www.hicapitalize.com/resources/the-true-cost-of-forgotten-401ks/) estimating that there are 31.9 million “forgotten” 401(k) accounts, totaling about $2.1 trillion in assets. [Read More](https://blog.rch1.com/blog/forgotten-accounts-forget-hyperbole-heres-a-solution) May 16 2022 ## [401(k) Portability in Four Movements](https://blog.rch1.com/blog/401k-portability-in-four-movements) ![401k Portability in Four Movements](https://blog.rch1.com/hs-fs/hubfs/401k%20Portability%20in%20Four%20Movements.png?width=200&name=401k%20Portability%20in%20Four%20Movements.png)Over the past 15 years, a very large (250,000+ participants) 401(k) plan sponsor that our company has had the opportunity to serve has been highly successful in delivering improved participant outcomes by incrementally adopting a full program of retirement savings portability. Were the plan’s experience set to music, it could be described as “401(k) Portability in Four Movements” – opening with discordant levels of cashout leakage but quickly building towards more satisfying participant outcomes, including substantial improvements in the preservation and consolidation of retirement savings. [Read More](https://blog.rch1.com/blog/401k-portability-in-four-movements) 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 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 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 08 2021 ## [Missing Participants: Five Important Considerations for Plan Sponsors](https://blog.rch1.com/blog/missing-participants-five-important-considerations-for-plan-sponsors) ![Missing\_Carton\_Five\_Considerations](https://blog.rch1.com/hs-fs/hubfs/Missing_Carton_Five_Considerations.png?width=200&name=Missing_Carton_Five_Considerations.png)The problem of [missing participants](https://rch1.com/missing-participants) in employer-sponsored retirement plans is one of the most important, yet perplexing issues facing plan sponsors, and for good reason. Ensuring that participants (or their beneficiaries) receive their benefits is the essence of an employer’s fiduciary responsibility – and missing or unresponsive participants who become separated from those benefits can generate significant risks for plan fiduciaries. [Read More](https://blog.rch1.com/blog/missing-participants-five-important-considerations-for-plan-sponsors) Aug 11 2020 ## [The Tragicomedy of Cashout Leakage](https://blog.rch1.com/blog/the-tragicomedy-of-cashout-leakage) ![Tragicomedy](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/Tragicomedy.png?width=200&name=Tragicomedy.png)I often write about the phenomenon of cashout leakage, which occurs when participants change jobs and prematurely withdraw their retirement savings, prior to normal retirement age. [Read More](https://blog.rch1.com/blog/the-tragicomedy-of-cashout-leakage) Jul 14 2020 ## [Alight Solutions to Lead Nationwide Launch of Auto Portability](https://blog.rch1.com/blog/alight-solutions-to-lead-nationwide-launch-of-auto-portability) [![Breaking News](https://blog.rch1.com/hs-fs/hubfs/Breaking%20News.png?width=200&name=Breaking%20News.png)](http://rch1.com/news/press-release--alight-solutions-to-lead-nationwide-launch-of-the-retirement-clearinghouse-auto-portability-program)In a [press release](http://rch1.com/news/press-release--alight-solutions-to-lead-nationwide-launch-of-the-retirement-clearinghouse-auto-portability-program) issued Tuesday, July 14th, [Retirement Clearinghouse (RCH)](https://rch1.com) announced that [Alight Solutions](https://alight.com/) will lead the nationwide launch of the [RCH Auto Portability program](https://rch1.com/auto-portability).  [Read More](https://blog.rch1.com/blog/alight-solutions-to-lead-nationwide-launch-of-auto-portability) Apr 28 2020 ## [Let’s Extend the Spirit of the CARES Act to Automatic Rollover IRAs](https://blog.rch1.com/blog/lets-extend-the-spirit-of-the-cares-act-to-automatic-rollover-iras) ![CARESactButton2-01](https://blog.rch1.com/hs-fs/hubfs/CARESactButton2-01.png?width=200&name=CARESactButton2-01.png)America is a fundamentally caring country, as reflected in the collective actions of its individuals, businesses and policymakers. In the midst of the COVID-19 crisis, no policy reflects this caring spirit more than the aptly-named CARES Act, which, among other things, temporarily allows retirement savers hard-hit by the COVID-19 crisis to tap their qualified retirement savings while avoiding the punitive, 10% early-withdrawal penalty. [Read More](https://blog.rch1.com/blog/lets-extend-the-spirit-of-the-cares-act-to-automatic-rollover-iras) Mar 20 2020 ## [How Does Auto Portability Work? Watch the Video.](https://blog.rch1.com/blog/how-does-auto-portability-work-watch-the-video) [![How AP Works Blog Image](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/How%20AP%20Works%20Blog%20Image.png?width=200&name=How%20AP%20Works%20Blog%20Image.png)](https://youtu.be/Y_XkgyPr7Gk)Looking for a quick primer on how [auto portability](https://rch1.com/auto-portability) works? Watch the video below, which walks you through the four-step process, including: 1\. Worker changes jobs 2\. Locate new worker's account 3\. Match data 4\. Savings follow worker [Read More](https://blog.rch1.com/blog/how-does-auto-portability-work-watch-the-video) Page: ‹ [1](https://blog.rch1.com/blog) [2](https://blog.rch1.com/blog/topic/roll-in/page/2) [3](https://blog.rch1.com/blog/topic/roll-in/page/3) [4](https://blog.rch1.com/blog/topic/roll-in/page/4) [5](https://blog.rch1.com/blog/topic/roll-in/page/5) [›](https://blog.rch1.com/blog/topic/roll-in/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) - 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