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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.


Nov
19
2019

The Surprising Migratory Patterns of Job-Changing Participants

Employee Benefit NewsMuch has been written in the media, including this column, about the increase in mobility of today’s American workforce.

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Sep
27
2019

The Auto Portability Imperative

CashOutLeakageBridge
Cashout leakage, a long-standing problem in America’s defined contribution system, is a silent crisis that unnecessarily robs millions of Americans of a comfortable, timely or secure retirement. Plagued by misunderstanding and neglect, it’s vitally important to understand the problem and to take decisive action to curb it.
 
The fifth of a five-part series, this article addresses auto portability, a solution that not only makes sound business sense, but delivers a positive societal impact for the corporations adopting it.
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May
30
2019

How Auto Portability Serves Participants’ Best Interests: Part 5

AP_definition_best_interestsIn this series, I identify five key reasons why an auto portability program serves the best interests of plan participants.


Previously:

In part 5, my final installment of the series, I explain how auto portability can mitigate retirement-related cybersecurity risks.

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May
23
2019

How Auto Portability Serves Participants’ Best Interests - Part 4: Auto Portability Enhances Participants' Financial Wellness

AP_definition_best_interestsIn this five-part series, I identify five key reasons why an auto portability program serves the best interests of plan participants.

Previously:
  • In Part 1, I examined the dramatically improved participant outcomes that will result from a program of auto portability.
  • In Part 2, I described how auto portability, by enhancing and extending automatic rollover programs, represents an enhanced standard of participant care.
  • In Part 3, I presented evidence that the adoption of auto portability could lead to a reduction in plan expenses. 

In Part 4, I address how auto portability could enhance 401(k) participants’ financial wellness.

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Apr
15
2019

How Auto Portability Serves Participants’ Best Interests - Part 3: Auto Portability Could Lower Plan Expenses

AP_definition_best_interestsIn this five-part series, I identify five key reasons why an auto portability program serves the best interests of plan participants.

Previously:
  • In Part 1, I examined the dramatically improved participant outcomes that will result from a program of auto portability.
  • In Part 2, I described how auto portability, by enhancing and extending automatic rollover programs, represents an enhanced standard of participant care.

In Part 3, I present evidence that the adoption of auto portability could lead to a reduction in plan expenses.

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Feb
23
2018

A New Solution to Tackle the Old Problem of Missing Participants

Employee Benefit NewsDespite differences big and small, all retirement plan sponsors and record-keepers experience at least one common problem—the seemingly intractable incidence of participants who have left behind small accounts in the plans sponsored by their former employers and failed to update their address when they subsequently change residence, a.k.a. missing participants.

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