--- title: RCH Consolidation Corner | Uncashed Distribution Checks description: Uncashed Distribution Checks | 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) - [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) - [Learning Center](https://rch1.com/individuals/learning-center) - [Disclosure Central](https://rch1.com/individuals/learning-center/resources-%26-downloads) - [Glossary](https://rch1.com/individuals/learning-center/glossary) - [Frequently-Asked Questions](https://rch1.com/individuals/learning-center/faqs) - [Auto Portability](https://rch1.com/auto-portability) - [Auto Portability Overview](https://rch1.com/auto-portability/auto-portability-overview) - [Auto Portability FAQs](https://rch1.com/auto-portability/frequently-asked-questions) - [Recent Developments](https://rch1.com/auto-portability/recent-developments) - [Foundational Research](https://rch1.com/auto-portability/foundational-research) - [Public Policy](https://rch1.com/auto-portability/public-policy) - [Media Coverage](https://rch1.com/auto-portability/media-coverage) - [Press Releases](https://rch1.com/auto-portability/press-releases--auto-portability) - [Regulatory Information](https://rch1.com/auto-portability/regulatory-information) - [Enabling Regulation](https://rch1.com/auto-portability/regulatory-information/enabling-regulation) - [Participating Recordkeepers](https://rch1.com/auto-portability/regulatory-information/participating-recordkeepers) - [Auto Portability Plan Calculator](https://rch1.com/auto-portability/plan-calculator) - [National Cash Out Clock](https://rch1.com/auto-portability/national-cash-out-clock) - [Downloads & Video](https://rch1.com/auto-portability/downloads-video) - [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) - [RCH Portability Services](https://rch1.com/plan-sponsors/rch-portability-services) - [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) - [Manage Your RCH IRA Account](https://rch1.com/individuals/manage-your-rch-ira-account) - [Cash Out Calculator](https://rch1.com/individuals/cash-out-calculator) - [RMD Calculator](https://rch1.com/individuals/rmd-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) - [Learning Center](https://rch1.com/individuals/learning-center) - [Company](https://rch1.com/company) - [About RCH](https://rch1.com/company/about-rch) - [Mission](https://rch1.com/company/mission) - [Management Team](https://rch1.com/company/management-team) - [Contact RCH](https://rch1.com/contact-us) - [Careers - Job Opportunities](https://rch1.com/company/careers) - [Our Benefits](https://rch1.com/company/our-benefits) - [The RLJ Companies](https://rch1.com/company/the-rlj-companies) - [News & Information](https://rch1.com/news) - [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) - [Learning Center](https://rch1.com/individuals/learning-center) - [Auto Portability](https://rch1.com/auto-portability) - [Auto Portability Overview](https://rch1.com/auto-portability/auto-portability-overview) - [Auto Portability FAQs](https://rch1.com/auto-portability/frequently-asked-questions) - [Recent Developments](https://rch1.com/auto-portability/recent-developments) - [Foundational Research](https://rch1.com/auto-portability/foundational-research) - [Public Policy](https://rch1.com/auto-portability/public-policy) - [Media Coverage](https://rch1.com/auto-portability/media-coverage) - [Press Releases](https://rch1.com/auto-portability/press-releases--auto-portability) - [Regulatory Information](https://rch1.com/auto-portability/regulatory-information) - [The RCH Auto Portability Plan Calculator](https://rch1.com/auto-portability/plan-calculator) - [National Cash Out Clock](https://rch1.com/auto-portability/national-cash-out-clock) - [Downloads & Video](https://rch1.com/auto-portability/downloads-video) - [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) - [Manage Your RCH IRA Account](https://rch1.com/individuals/manage-your-rch-ira-account) - [Cash Out Calculator](https://rch1.com/individuals/cash-out-calculator) - [RMD Calculator](https://rch1.com/individuals/rmd-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) - [Learning Center](https://rch1.com/individuals/learning-center) - [Company](https://rch1.com/company) - [About RCH](https://rch1.com/company/about-rch) - [Mission](https://rch1.com/company/mission) - [Management Team](https://rch1.com/company/management-team) - [Contact RCH](https://rch1.com/contact-us) - [Careers - Job Opportunities](https://rch1.com/company/careers) - [Our Benefits](https://rch1.com/company/our-benefits) - [The RLJ Companies](https://rch1.com/company/the-rlj-companies) - [News & Information](https://rch1.com/news) - [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) - [Auto Portability](https://rch1.com/auto-portability) # Consolidation Corner ## Menu - [News](https://rch1.com/news) - [Press Releases](https://rch1.com/press-releases) - [Thought Leadership](https://rch1.com/thought-leadership) [Retirement Clearinghouse](https://rch1.com/retirement-clearinghouse) [Retirement Industry](https://rch1.com/retirement-industry) [Public Policy](https://rch1.com/public-policy-thought) - [Events](https://rch1.com/events) - - - - [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) - [Auto Portability Simulation](https://blog.rch1.com/blog/topic/auto-portability-simulation) - [Automatic Roll-In](https://blog.rch1.com/blog/topic/automatic-roll-in) - [Automatic Rollover](https://blog.rch1.com/blog/topic/automatic-rollover) - [Automatic Rollovers](https://blog.rch1.com/blog/topic/automatic-rollovers) - [Boston Research Technologies](https://blog.rch1.com/blog/topic/boston-research-technologies) - [CARES act](https://blog.rch1.com/blog/topic/cares-act) - [Common Mistakes](https://blog.rch1.com/blog/topic/common-mistakes) - [DIY Roll-In](https://blog.rch1.com/blog/topic/diy-roll-in) - [DOL Advisory Opinion](https://blog.rch1.com/blog/topic/dol-advisory-opinion) - [EBRI](https://blog.rch1.com/blog/topic/ebri) - [Employee Benefit News](https://blog.rch1.com/blog/topic/employee-benefit-news) - [ERISA Advisory Council](https://blog.rch1.com/blog/topic/erisa-advisory-council) - [Financial Services Roundtable](https://blog.rch1.com/blog/topic/financial-services-roundtable) - [Financial Wellness](https://blog.rch1.com/blog/topic/financial-wellness) - [How-To](https://blog.rch1.com/blog/topic/how-to) - [In-Plan Consolidation](https://blog.rch1.com/blog/topic/in-plan-consolidation) - [Leakage](https://blog.rch1.com/blog/topic/leakage) - [Lifetime Plan Participation](https://blog.rch1.com/blog/topic/lifetime-plan-participation) - [Lost Participants](https://blog.rch1.com/blog/topic/lost-participants) - [Managed Portability](https://blog.rch1.com/blog/topic/managed-portability) - [Mandatory Distributions](https://blog.rch1.com/blog/topic/mandatory-distributions) - [MarketWatch](https://blog.rch1.com/blog/topic/marketwatch) - [Missing Participant IRA](https://blog.rch1.com/blog/topic/missing-participant-ira) - [Missing Participants](https://blog.rch1.com/blog/topic/missing-participants) - [National Retirement Savings Cash Out Clock](https://blog.rch1.com/blog/topic/national-retirement-savings-cash-out-clock) - [Participant Transition Management](https://blog.rch1.com/blog/topic/participant-transition-management) - [PLANSPONSOR](https://blog.rch1.com/blog/topic/plansponsor) - [Portability Services Network](https://blog.rch1.com/blog/topic/portability-services-network) - [PSCA](https://blog.rch1.com/blog/topic/psca) - [Public Policy](https://blog.rch1.com/blog/topic/public-policy) - [RCH Services](https://blog.rch1.com/blog/topic/rch-services) - [Retirement Income](https://blog.rch1.com/blog/topic/retirement-income) - [Retirement Plan Portability](https://blog.rch1.com/blog/topic/retirement-plan-portability) - [retirement research](https://blog.rch1.com/blog/topic/retirement-research) - [Retirement Savings Consolidation](https://blog.rch1.com/blog/topic/retirement-savings-consolidation) - [Retirement Savings Portability](https://blog.rch1.com/blog/topic/retirement-savings-portability) - [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 # Uncashed Distribution Checks ### 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 24 2026 ## [Why Plan Sponsors Need a Clear Uncashed Distribution Check Policy](https://blog.rch1.com/blog/why-plan-sponsors-need-a-clear-uncashed-distribution-check-policy) ![Why PSs Need Clear Uncashed Dist Check Policy](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Why%20PSs%20Need%20Clear%20Uncashed%20Dist%20Check%20Policy.png?width=200&height=125&name=Why%20PSs%20Need%20Clear%20Uncashed%20Dist%20Check%20Policy.png)Similar to the [missing participant](https://rch1.com/missing-participants) problem, plan sponsors face significant uncertainties when navigating the issue of [uncashed distribution checks](https://rch1.com/uncashed-distribution-checks). On one hand, regulators increasingly view the existence of uncashed checks as a sign of fiduciary weakness – a [red flag](https://rch1.com/blog/a-more-enlightened-approach-to-uncashed-distribution-checks) indicating that participants may not be receiving the benefits they are owed. On the other hand, plan sponsors must operate within a complex regulatory environment that provides limited direct guidance on how to handle these situations when they occur. In this environment, it is vitally important that each retirement plan maintain a formal, documented and defensible uncashed distribution check policy – one that outlines the plan’s procedures, establishes consistent practices and mitigates fiduciary risk. [Read More](https://blog.rch1.com/blog/why-plan-sponsors-need-a-clear-uncashed-distribution-check-policy) Apr 30 2025 ## [Beyond Missing: Targeting Unresponsive Participants in Retirement Plans](https://blog.rch1.com/blog/beyond-missing-targeting-unresponsive-participants-in-retirement-plans) ![Beyond Missing Feature Image](https://blog.rch1.com/hs-fs/hubfs/Beyond%20Missing%20Feature%20Image.png?width=200&height=145&name=Beyond%20Missing%20Feature%20Image.png)In the retirement plan industry, we frequently discuss the challenges posed by [missing participants](https://rch1.com/missing-participants) – those former employees with outdated contact information. However, a related phenomenon often receives less attention: unresponsive participants. [Read More](https://blog.rch1.com/blog/beyond-missing-targeting-unresponsive-participants-in-retirement-plans) Feb 08 2024 ## [A More-Enlightened Approach to Uncashed Distribution Checks](https://blog.rch1.com/blog/a-more-enlightened-approach-to-uncashed-distribution-checks) ![A\_More-Enlightened\_Approach](https://blog.rch1.com/hs-fs/hubfs/A_More-Enlightened_Approach.png?width=200&height=153&name=A_More-Enlightened_Approach.png)No retirement plan sponsor likes the idea of dealing with [uncashed distribution checks](https://rch1.com/uncashed-distribution-checks), nor do they wish to draw unwanted regulatory attention or to become embroiled in costly litigation because of their uncashed check policies. Unfortunately, many plan sponsors place themselves in precisely that spot, becoming unnecessarily over-burdened with unresolved uncashed checks, while inviting unwanted regulatory scrutiny and/or legal challenges by embracing flawed uncashed check policies. A more-enlightened approach to managing the problem of uncashed checks seeks to minimize their numbers, while simultaneously steering clear of the “red flags” that could land them in hot water. [Read More](https://blog.rch1.com/blog/a-more-enlightened-approach-to-uncashed-distribution-checks) 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) Apr 15 2019 ## [How Auto Portability Serves Participants’ Best Interests - Part 3: Auto Portability Could Lower Plan Expenses](https://blog.rch1.com/blog/how-auto-portability-serves-participants-best-interests-part-3-auto-portability-could-lower-plan-expenses) ![AP\_definition\_best\_interests](https://blog.rch1.com/hs-fs/hubfs/AP_definition_best_interests.png?width=200&name=AP_definition_best_interests.png)In 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](https://blog.rch1.com/blog/how-auto-portability-serves-participants-best-interests-part-1-dramatically-improved-participant-outcomes), I examined the dramatically improved participant outcomes that will result from a program of auto portability. - In [Part 2](https://blog.rch1.com/blog/how-auto-portability-serves-participants-best-interests-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. [Read More](https://blog.rch1.com/blog/how-auto-portability-serves-participants-best-interests-part-3-auto-portability-could-lower-plan-expenses) Jan 02 2018 ## [Auto Portability Makes Everything Better](https://blog.rch1.com/blog/auto-portability-makes-everything-better) ![Bacon Sizzling](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Consolidation_Corner/Bacon_Sizzling.png?width=200&name=Bacon_Sizzling.png "Bacon Sizzling")Beginning in 2000 and continuing for a decade, American consumers were overtaken by “bacon-mania” – an obsession with the [tasty, fried cured-pork treat](http://www.baconsizzling.com/) that included cookbooks, exotic new products and a catchy slogan: “[Bacon Makes Everything Better](https://www.npr.org/sections/thesalt/2013/10/25/240556687/does-bacon-really-make-everything-better-here-s-the-math).” Great all by itself, bacon was hailed as having the added virtue of improving the taste of almost any dish it was added to. [Read More](https://blog.rch1.com/blog/auto-portability-makes-everything-better) Feb 09 2017 ## [Uncashed Distribution Checks: An Ounce of Prevention is Worth a Pound of Cure](https://blog.rch1.com/blog/uncashed-checks-an-ounce-of-prevention) ![Uncashed Checks](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/uncashed%20checks.png?width=200&name=uncashed%20checks.png "Uncashed Checks")Now that we’re in the thick of flu season, we’re reminded of Ben Franklin’s famous axiom: *“an ounce of prevention is worth a pound of cure.”*  A yearly flu shot is perhaps the best example of an effective, preventative action you can take to minimize your odds of catching the flu, and keep you breathing more easily than those who haven’t. [Read More](https://blog.rch1.com/blog/uncashed-checks-an-ounce-of-prevention) [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) - [Auto Portability Simulation](https://blog.rch1.com/blog/topic/auto-portability-simulation) - [Automatic Roll-In](https://blog.rch1.com/blog/topic/automatic-roll-in) - [Automatic Rollover](https://blog.rch1.com/blog/topic/automatic-rollover) - [Automatic Rollovers](https://blog.rch1.com/blog/topic/automatic-rollovers) - [Boston Research Technologies](https://blog.rch1.com/blog/topic/boston-research-technologies) - [CARES act](https://blog.rch1.com/blog/topic/cares-act) - [Common Mistakes](https://blog.rch1.com/blog/topic/common-mistakes) - [DIY Roll-In](https://blog.rch1.com/blog/topic/diy-roll-in) - [DOL Advisory Opinion](https://blog.rch1.com/blog/topic/dol-advisory-opinion) - [EBRI](https://blog.rch1.com/blog/topic/ebri) - [Employee Benefit News](https://blog.rch1.com/blog/topic/employee-benefit-news) - [ERISA Advisory Council](https://blog.rch1.com/blog/topic/erisa-advisory-council) - [Financial Services Roundtable](https://blog.rch1.com/blog/topic/financial-services-roundtable) - [Financial Wellness](https://blog.rch1.com/blog/topic/financial-wellness) - [How-To](https://blog.rch1.com/blog/topic/how-to) - [In-Plan Consolidation](https://blog.rch1.com/blog/topic/in-plan-consolidation) - [Leakage](https://blog.rch1.com/blog/topic/leakage) - [Lifetime Plan Participation](https://blog.rch1.com/blog/topic/lifetime-plan-participation) - [Lost Participants](https://blog.rch1.com/blog/topic/lost-participants) - [Managed Portability](https://blog.rch1.com/blog/topic/managed-portability) - [Mandatory Distributions](https://blog.rch1.com/blog/topic/mandatory-distributions) - [MarketWatch](https://blog.rch1.com/blog/topic/marketwatch) - [Missing Participant IRA](https://blog.rch1.com/blog/topic/missing-participant-ira) - [Missing Participants](https://blog.rch1.com/blog/topic/missing-participants) - [National Retirement Savings Cash Out Clock](https://blog.rch1.com/blog/topic/national-retirement-savings-cash-out-clock) - [Participant Transition Management](https://blog.rch1.com/blog/topic/participant-transition-management) - [PLANSPONSOR](https://blog.rch1.com/blog/topic/plansponsor) - [Portability Services Network](https://blog.rch1.com/blog/topic/portability-services-network) - [PSCA](https://blog.rch1.com/blog/topic/psca) - [Public Policy](https://blog.rch1.com/blog/topic/public-policy) - [RCH Services](https://blog.rch1.com/blog/topic/rch-services) - [Retirement Income](https://blog.rch1.com/blog/topic/retirement-income) - [Retirement Plan Portability](https://blog.rch1.com/blog/topic/retirement-plan-portability) - [retirement research](https://blog.rch1.com/blog/topic/retirement-research) - [Retirement Savings Consolidation](https://blog.rch1.com/blog/topic/retirement-savings-consolidation) - [Retirement Savings Portability](https://blog.rch1.com/blog/topic/retirement-savings-portability) - [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) [![Retirement Clearinghouse An RLJ Company](https://blog.rch1.com/hs-fs/hubfs/raw_assets/public/Retirement_Clearinghouse_May2022/images/footer_logo.png?width=1000&height=648&name=footer_logo.png "Retirement Clearinghouse An RLJ Company")](https://rch1.com/) 1916 Ayrsley Town Boulevard Suite 200 Charlotte, NC 28273 - [Individuals](https://rch1.com/individuals) - [Plan Sponsors](https://rch1.com/plan-sponsors) - [Auto Portability](https://rch1.com/auto-portability) - [Company](https://rch1.com/company) - [News & Information](https://rch1.com/news) - [Mission](https://rch1.com/company/mission) - [Careers](https://rch1.com/company/careers) - [Contact Us](https://rch1.com/contact-us) - [Logins](https://rch1.com/#) - [Disclosure Central](https://rch1.com/individuals/learning-center/resources-%26-downloads) - [Do Not Sell or Share](https://blog.rch1.com/blog/topic/uncashed-distribution-checks#decline-cookies) - [My Personal Information](https://blog.rch1.com/blog/topic/uncashed-distribution-checks#decline-cookies) - - - Individuals should consult their tax advisers or legal counsel for advice and information concerning their particular situation. Retirement Clearinghouse does not give legal, investment, or tax advice. IRA account fees and product information provided by Retirement Clearinghouse, LLC is subject to change without notice at the discretion of the IRA Provider. RCH Shareholder Services is a wholly owned subsidiary of Retirement Clearinghouse, LLC and a registered transfer agent with the U.S. Securities and Exchange Commission. © 2026 Retirement Clearinghouse, LLC. This site is directed at, and made available to, persons in the U.S. and Puerto Rico. [Sitemap](https://rch1.com/sitemap)