--- title: RCH Consolidation Corner | Safe Harbor IRA (4) description: Safe Harbor IRA | Keep up to date on all of the latest industry news with RCH1 (4) --- [![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 # Safe Harbor IRA (4) ### 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. --- Feb 19 2016 ## [DC Plan Termination Video Series Part 2: Common Mistakes Plan Sponsors Make](https://blog.rch1.com/blog/dc-plan-termination-educational-video-series-part-2-common-mistakes-plan-sponsors-make) ![DCPT 2025 pt2 071825](https://blog.rch1.com/hs-fs/hubfs/DCPT%202025%20pt2%20071825.png?width=200&height=113&name=DCPT%202025%20pt2%20071825.png)Retirement Clearinghouse (RCH) is pleased to offer a three-part series of educational videos on plan terminations. These videos are intended to provide plan sponsors with a basic understanding of key plan termination process steps, the common mistakes that are made by plan sponsors, and the key criteria for selecting a plan termination services provider. We hope you’ll find these videos interesting & informative! [Read More](https://blog.rch1.com/blog/dc-plan-termination-educational-video-series-part-2-common-mistakes-plan-sponsors-make) Feb 12 2016 ## [DC Plan Termination Video Series Part 1: 1 Project, 5 Phases](https://blog.rch1.com/blog/dc-plan-termination-educational-video-series-part-1) ![DCPT 2025 pt1 071825](https://blog.rch1.com/hs-fs/hubfs/DCPT%202025%20pt1%20071825.png?width=200&height=113&name=DCPT%202025%20pt1%20071825.png)Retirement Clearinghouse (RCH) is pleased to offer the first educational video of a three-part series on DC plan terminations, presented by Mike Wilder, RCH’s Senior Vice President, Strategic Accounts. These videos are intended to provide plan sponsors with a basic understanding of key plan termination process steps, the common mistakes that are made by plan sponsors, and the key criteria for selecting a plan termination services provider. We hope you’ll find these videos interesting & informative!  [Read More](https://blog.rch1.com/blog/dc-plan-termination-educational-video-series-part-1) Oct 27 2015 ## [Force Outs: Recycle v. Landfill](https://blog.rch1.com/blog/force-outs-recycle-v-landfill) ![Safe Harbor IRA Landfill vs. RCH Recycle 401k Consolidation Auto Portability](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/RCH_Images/Landfill_to_Recycle.png?width=200&name=Landfill_to_Recycle.png "Safe Harbor IRA Landfill vs. RCH Recycle 401k Consolidation Auto Portability")Every day, we’re reminded that recycling is the responsible thing to do:  from the recycling bins we walk by, to the paper we use, and the cans and bottles that we drink from.   All of us would agree that conservation of our precious resources is critical, so we gladly pitch in and do our part. [Read More](https://blog.rch1.com/blog/force-outs-recycle-v-landfill) Sep 28 2015 ## [WISER Fall Forum to Explore Auto Portability As Solution to Reducing Cash Outs and Preserving 401(k) Assets](https://blog.rch1.com/blog/wiser-fall-forum-to-explore-auto-portability-as-solution-to-reducing-cash-outs-and-preserving-401k-assets) On Wednesday, September 30th, the Women’s Institute For a Secure Retirement (WISER), in collaboration with Retirement Clearinghouse (RCH), hosts a Forum entitled **The Leading Edge - Auto Portability: Solution to Prevent Cash Outs & Preserve 401(k) Assets.** [Read More](https://blog.rch1.com/blog/wiser-fall-forum-to-explore-auto-portability-as-solution-to-reducing-cash-outs-and-preserving-401k-assets) Sep 02 2015 ## [One Solution to Three Costly Retirement-Saving Mistakes](https://blog.rch1.com/blog/one-solution-to-three-costly-retirement-saving-mistakes) [![MarketWatch](https://blog.rch1.com/hs-fs/hubfs/Publications/MarketWatch/Logo/marketwatch-logo2.jpg?width=200&name=marketwatch-logo2.jpg "MarketWatch")](https://www.marketwatch.com/story/one-solution-to-three-costly-retirement-saving-mistakes-2015-09-02)In his September 2nd, 2015 [MarketWatch article *One Solution to Three Costly Retirement-Saving Mistakes*](http://www.marketwatch.com/story/one-solution-to-three-costly-retirement-saving-mistakes-2015-09-02), RCH’s CEO Spencer Williams provides insight as to why a majority of Americans are not very confident in their retirement readiness. Three costly mistakes consistently plague retirement savers:  1) leaving 401(k) accounts behind when changing jobs, 2) prematurely cashing out and 3) not informing prior employers’ retirement plan record-keepers about address changes. [Read More](https://blog.rch1.com/blog/one-solution-to-three-costly-retirement-saving-mistakes) Aug 19 2015 ## [Reducing the Burden of Missing Participants](https://blog.rch1.com/blog/reducing-the-burden-of-missing-participants) Whenever I am meeting with a plan sponsor, TPA or recordkeeper for the first time, I ask about returned mail related to [missing participants](http://www.dol.gov/ebsa/regs/fab2014-1.html); and almost every time I get…“the look”. The look and/or eye roll that instantly says that returned mail is definitely a problem. The entire retirement industry is all-too-familiar with returned mail related to [missing participants](http://www.dol.gov/ebsa/pdf/retirementclearinghouse060413.pdf). In addition to the money wasted on materials and mailing costs, missing participants create administrative burdens and increase the plan’s fiduciary liability risk.  So, what’s a fiduciary to do? [Read More](https://blog.rch1.com/blog/reducing-the-burden-of-missing-participants) Aug 11 2015 ## [Automatically Moving Mandatory Distributions Forward](https://blog.rch1.com/blog/automatically-moving-mandatory-distributions-forward) The Case for Automatically Moving Mandatory Distributions Forward The [mandatory distribution](https://www.rch1.com/mandatory-distributions)-to-[Safe Harbor IRA](https://www.rch1.com/safe-harbor-ira)plan feature as commonly utilized today was conceived in 2001 and launched in 2005 with good intentions, and for valid reasons. A mobile workforce, combined with a lack of retirement savings portability, had created a burgeoning problem for plan sponsors: an explosion of small-balance (less than $5,000) accounts left “stranded” in-plan, resulting in rampant cashouts, [missing participants,](https://www.rch1.com/missing-participants) uncashed distribution checks and the like. These problems only accelerated with the widespread adoption of auto enrollment, beginning in 2009.   [Read More](https://blog.rch1.com/blog/automatically-moving-mandatory-distributions-forward) Aug 04 2015 ## [What Participants’ Distribution Decisions Are Telling Us](https://blog.rch1.com/blog/what-participants-distribution-decisions-are-telling-us) *“Make the smart decision the easiest decision.”* This seems like an obvious goal for plan sponsors when designing participant directed retirement plans, and it’s certainly driven the rapid adoption of the autos – auto enrollment, auto deferral escalation and auto pilot investment options, such as target date funds. [Read More](https://blog.rch1.com/blog/what-participants-distribution-decisions-are-telling-us) Jul 17 2015 ## [Safe Harbor IRAs Aren’t Always Safe](https://blog.rch1.com/blog/safe-harbor-iras-arent-always-safe) [![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/safe-harbor-iras-arent-always-safe)Plan sponsors can help themselves and their participants over the long term by rolling balances of $5,000 or less from inactive participants into [safe harbor IRAs](http://www.rch1.com/safe-harbor-ira). However, for various reasons discussed below, many safe harbor IRAs don’t live up to their name and could leave sponsors with unexpected fiduciary liability. 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