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Logo</image:title></image:image><lastmod>2019-03-23</lastmod></url><url><loc>https://blog.rch1.com/blog/three-new-years-resolutions-for-401k-plan-sponsors</loc><image:image><image:loc>https://mail.rch1.com/hubfs/2022_Resolutions.png</image:loc><image:caption>2022_Resolutions</image:caption><image:title>2022_Resolutions</image:title></image:image><lastmod>2023-06-17</lastmod></url><url><loc>https://blog.rch1.com/blog/auto-portability-simulation-model-unveiled-at-ebri-forum</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Publications/EBRI/EBRIlogo.jpg</image:loc><image:caption>EBRIlogo</image:caption><image:title>EBRIlogo</image:title></image:image><image:image><image:loc>https://mail.rch1.com/hubfs/Set_Up_Images/RCH_Images/Infographic_Legend_050916b.jpg</image:loc><image:caption>Infographic_Legend_050916b</image:caption><image:title>Infographic_Legend_050916b</image:title></image:image><lastmod>2018-02-01</lastmod></url><url><loc>https://blog.rch1.com/blog/leaving-your-401k-savings-behind-will-cost-you</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Publications/MarketWatch/Logo/marketwatch-logo2.jpg</image:loc><image:caption>marketwatch-logo2</image:caption><image:title>marketwatch-logo2</image:title></image:image><image:image><image:loc>https://mail.rch1.com/hubfs/Publications/MarketWatch/Logo/marketwatch-logo.png</image:loc><image:caption>marketwatch-logo</image:caption><image:title>marketwatch-logo</image:title></image:image><lastmod>2018-12-20</lastmod></url><url><loc>https://blog.rch1.com/blog/on-filling-the-leaky-401k-bucket</loc><image:image><image:loc>https://mail.rch1.com/hubfs/office.jpg</image:loc><image:caption>office</image:caption><image:title>office</image:title></image:image><image:image><image:loc>https://mail.rch1.com/hubfs/AP_Calculator_Screenshot_5MM.png</image:loc><image:caption>AP_Calculator_Screenshot_5MM</image:caption><image:title>AP_Calculator_Screenshot_5MM</image:title></image:image><lastmod>2023-06-17</lastmod></url><url><loc>https://blog.rch1.com/blog/401k-plans-an-ongoing-public-private-partnership-that-works</loc><image:image><image:loc>https://mail.rch1.com/hubfs/401k%20Public-Private%20Partnership.png</image:loc><image:caption>401k 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2</image:title></image:image><lastmod>2023-06-17</lastmod></url><url><loc>https://blog.rch1.com/blog/consolidation-the-missing-piece-of-the-retirement-game-plan</loc><lastmod>2018-01-11</lastmod></url><url><loc>https://blog.rch1.com/blog/how-auto-portability-serves-participants-best-interests-part-3-auto-portability-could-lower-plan-expenses</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Set_Up_Images/Other_Generic_Images/AP_definition_best_interests.png</image:loc><image:caption>AP_definition_best_interests</image:caption><image:title>AP_definition_best_interests</image:title></image:image><image:image><image:loc>https://mail.rch1.com/hubfs/Set_Up_Images/Other_Generic_Images/Figure%201%20Plan%20No%20AP.png</image:loc><image:caption>Figure 1 Plan No AP</image:caption><image:title>Figure 1 Plan No AP</image:title></image:image><image:image><image:loc>https://mail.rch1.com/hubfs/Set_Up_Images/Other_Generic_Images/Figure%202%20Plan%20With%20AP.png</image:loc><image:caption>Figure 2 Plan With AP</image:caption><image:title>Figure 2 Plan With 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benefits</image:caption><image:title>incremental benefits</image:title></image:image><image:image><image:loc>https://mail.rch1.com/hubfs/Incremental%20AP%20Benefits%20EBRI.png</image:loc><image:caption>Incremental AP Benefits EBRI</image:caption><image:title>Incremental AP Benefits EBRI</image:title></image:image><lastmod>2023-06-17</lastmod></url><url><loc>https://blog.rch1.com/blog/interesting-finding-emerges-from-the-auto-portability-simulation</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Set_Up_Images/Other_Generic_Images/Infographic_Legend_050916b.jpg</image:loc><image:caption>Infographic_Legend_050916b</image:caption><image:title>Infographic_Legend_050916b</image:title></image:image><image:image><image:loc>https://mail.rch1.com/hubfs/Publications/EBRI/EBRIlogo.jpg</image:loc><image:caption>EBRIlogo</image:caption><image:title>EBRIlogo</image:title></image:image><lastmod>2018-02-01</lastmod></url><url><loc>https://blog.rch1.com/blog/what-is-synthetic-tenure-and-why-is-it-important</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Publications/EBN/ebnimage.jpg</image:loc><image:caption>ebnimage</image:caption><image:title>ebnimage</image:title></image:image><lastmod>2026-05-21</lastmod></url><url><loc>https://blog.rch1.com/blog/when-small-accounts-are-a-big-problem-what-every-plan-sponsor-should-know</loc><lastmod>2018-06-05</lastmod></url><url><loc>https://blog.rch1.com/blog/addressing-the-achilles-heel-of-auto-ira-programs</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Addressing%20the%20Achilles%20Heel%20of%20Auto%20IRA%20Programs.png</image:loc><image:caption>Addressing 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Job</image:title></image:image><image:image><image:loc>https://mail.rch1.com/hubfs/Set_Up_Images/Other_Generic_Images/Job-Changer_Chart.png</image:loc><image:caption>Job-Changer_Chart</image:caption><image:title>Job-Changer_Chart</image:title></image:image><lastmod>2018-08-15</lastmod></url><url><loc>https://blog.rch1.com/blog/one-solution-everyone-in-dc-agrees-upon-we-need-consolidation</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Set_Up_Images/Other_Generic_Images/washingtonDCnight.jpg</image:loc><image:caption>washingtonDCnight</image:caption><image:title>washingtonDCnight</image:title></image:image><lastmod>2026-05-01</lastmod></url><url><loc>https://blog.rch1.com/blog/auto-portability-boosts-401k-plan-results-in-new-ebri-research</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Publications/EBRI/EBRIlogo.jpg</image:loc><image:caption>EBRIlogo</image:caption><image:title>EBRIlogo</image:title></image:image><lastmod>2019-02-13</lastmod></url><url><loc>https://blog.rch1.com/blog/a-more-enlightened-approach-to-uncashed-distribution-checks</loc><image:image><image:loc>https://mail.rch1.com/hubfs/A_More-Enlightened_Approach.png</image:loc><image:caption>A_More-Enlightened_Approach</image:caption><image:title>A_More-Enlightened_Approach</image:title></image:image><lastmod>2024-02-08</lastmod></url><url><loc>https://blog.rch1.com/blog/a-plan-sponsors-guide-to-supporting-roll-ins</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Set_Up_Images/Other_Generic_Images/plansponsorguidetosupportingrollins.jpg</image:loc><image:caption>plansponsorguidetosupportingrollins</image:caption><image:title>plansponsorguidetosupportingrollins</image:title></image:image><lastmod>2018-02-02</lastmod></url><url><loc>https://blog.rch1.com/blog/ushering-in-the-next-era-of-automatic-enrollment</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Set_Up_Images/Other_Generic_Images/Table%201.png</image:loc><image:caption>Table 1</image:caption><image:title>Table 1</image:title></image:image><image:image><image:loc>https://mail.rch1.com/hubfs/Set_Up_Images/Other_Generic_Images/Table%202.png</image:loc><image:caption>Table 2</image:caption><image:title>Table 2</image:title></image:image><image:image><image:loc>https://mail.rch1.com/hubfs/Set_Up_Images/Other_Generic_Images/Next_Era.png</image:loc><image:caption>Next_Era</image:caption><image:title>Next_Era</image:title></image:image><lastmod>2018-01-19</lastmod></url><url><loc>https://blog.rch1.com/blog/the-401k-house-cleaning-to-come</loc><image:image><image:loc>https://mail.rch1.com/hubfs/The%20401k%20House-Cleaning%20to%20Come.png</image:loc><image:caption>The 401k House-Cleaning to Come</image:caption><image:title>The 401k House-Cleaning to Come</image:title></image:image><lastmod>2023-06-16</lastmod></url><url><loc>https://blog.rch1.com/blog/four-retirement-initiatives-vital-to-closing-the-racial-wealth-gap</loc><image:image><image:loc>https://mail.rch1.com/hubfs/closing_wealth_gap.png</image:loc><image:caption>closing_wealth_gap</image:caption><image:title>closing_wealth_gap</image:title></image:image><lastmod>2026-04-08</lastmod></url><url><loc>https://blog.rch1.com/blog/tax-day-is-coming-encourage-millennial-participants-to-incubate-savers-credits</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Publications/EBN/ebnimage.jpg</image:loc><image:caption>ebnimage</image:caption><image:title>ebnimage</image:title></image:image><lastmod>2019-04-03</lastmod></url><url><loc>https://blog.rch1.com/blog/one-small-improvement-for-401k-plans-one-giant-leap-for-retirement-readiness</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Set_Up_Images/Other_Generic_Images/footprint2.jpg</image:loc><image:caption>footprint2</image:caption><image:title>footprint2</image:title></image:image><image:image><image:loc>https://mail.rch1.com/hubfs/Set_Up_Images/Other_Generic_Images/EBRI_Figure1_Benefit_FAQs.png</image:loc><image:caption>EBRI_Figure1_Benefit_FAQs</image:caption><image:title>EBRI_Figure1_Benefit_FAQs</image:title></image:image><lastmod>2020-02-18</lastmod></url><url><loc>https://blog.rch1.com/blog/why-retirement-portability-should-become-employers-next-big-focus</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Publications/EBN/ebnimage.jpg</image:loc><image:caption>ebnimage</image:caption><image:title>ebnimage</image:title></image:image><image:image><image:loc>https://mail.rch1.com/hubfs/Set_Up_Images/Other_Generic_Images/EBN1pic092016.jpg</image:loc><image:caption>EBN1pic092016</image:caption><image:title>EBN1pic092016</image:title></image:image><image:image><image:loc>https://mail.rch1.com/hubfs/Set_Up_Images/Other_Generic_Images/EBN2pic092016.jpg</image:loc><image:caption>EBN2pic092016</image:caption><image:title>EBN2pic092016</image:title></image:image><lastmod>2018-01-19</lastmod></url><url><loc>https://blog.rch1.com/blog/washington-recognizes-retirement-plan-portability-frictions-need-for-solutions</loc><lastmod>2019-08-29</lastmod></url><url><loc>https://blog.rch1.com/blog/erisas-golden-anniversary-has-set-the-stage-for-helping-future-generations-improve-their-retirement-outcomes-in-2025-and-beyond</loc><lastmod>2025-01-06</lastmod></url><url><loc>https://blog.rch1.com/blog/saving-for-retirement-is-not-a-trivial-pursuit</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Publications/MarketWatch/Logo/marketwatch-logo2.jpg</image:loc><image:caption>marketwatch-logo2</image:caption><image:title>marketwatch-logo2</image:title></image:image><image:image><image:loc>https://mail.rch1.com/hubfs/Publications/MarketWatch/Logo/marketwatch-logo.png</image:loc><image:caption>marketwatch-logo</image:caption><image:title>marketwatch-logo</image:title></image:image><lastmod>2025-01-29</lastmod></url><url><loc>https://blog.rch1.com/blog/auto-portability-is-and-always-will-be-a-bipartisan-solution</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Publications/EBN/ebnimage.jpg</image:loc><image:caption>ebnimage</image:caption><image:title>ebnimage</image:title></image:image><lastmod>2023-06-17</lastmod></url><url><loc>https://blog.rch1.com/blog/celebrating-20-years-of-being-wiser</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Publications/WISER/wiserLogo.JPG.jpg</image:loc><image:caption>wiserLogo.JPG</image:caption><image:title>wiserLogo.JPG</image:title></image:image><lastmod>2023-10-18</lastmod></url><url><loc>https://blog.rch1.com/blog/why-consolidation-should-top-the-list-of-initiatives-for-plan-sponsors-in-2018</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Set_Up_Images/Other_Generic_Images/CC%20Blog-%20NR%20-%20consolidation%20should%20top%20list%20of%20initiatives%20for%20PS%202018%20SM%20Square.png</image:loc><image:caption>CC Blog- NR - consolidation should top list of initiatives for PS 2018 SM Square</image:caption><image:title>CC Blog- NR - consolidation should top list of initiatives for PS 2018 SM Square</image:title></image:image><lastmod>2018-01-19</lastmod></url><url><loc>https://blog.rch1.com/blog/the-compelling-case-for-women-and-auto-portability</loc><lastmod>2025-01-13</lastmod></url><url><loc>https://blog.rch1.com/blog/three-ways-401k-plan-sponsors-can-boost-participants-awareness-on-national-financial-awareness-day</loc><image:image><image:loc>https://mail.rch1.com/hubfs/National%20Awareness%20Day.png</image:loc><image:caption>National Awareness Day</image:caption><image:title>National Awareness Day</image:title></image:image><lastmod>2023-06-16</lastmod></url><url><loc>https://blog.rch1.com/blog/soc-examinations-designed-to-provide-comfort</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Publications/CC_Blog/SOC-AICPA.png</image:loc><image:caption>SOC-AICPA</image:caption><image:title>SOC-AICPA</image:title></image:image><lastmod>2020-05-07</lastmod></url><url><loc>https://blog.rch1.com/blog/on-earth-day-consider-auto-portability-to-recycle-401k-savings</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Earth%20Day%20Recycling%202025.jpg</image:loc><image:caption>Earth Day Recycling 2025</image:caption><image:title>Earth Day Recycling 2025</image:title></image:image><lastmod>2026-04-17</lastmod></url><url><loc>https://blog.rch1.com/blog/dont-wait-until-its-too-late-prepare-now-for-year-end-401k-plan-terminations</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Set_Up_Images/Other_Generic_Images/countdown.jpg</image:loc><image:caption>countdown</image:caption><image:title>countdown</image:title></image:image><lastmod>2018-01-19</lastmod></url><url><loc>https://blog.rch1.com/blog/americas-mobile-workforce-meets-their-savers-match</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Savers_Match.png</image:loc><image:caption>Savers_Match</image:caption><image:title>Savers_Match</image:title></image:image><lastmod>2024-04-09</lastmod></url><url><loc>https://blog.rch1.com/blog/benefits-professionals-avoid-becoming-collateral-damage-in-a-cyberattack</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Set_Up_Images/Other_Generic_Images/Collateral%20Damage.png</image:loc><image:caption>Collateral Damage</image:caption><image:title>Collateral Damage</image:title></image:image><image:image><image:loc>https://mail.rch1.com/hubfs/Set_Up_Images/Other_Generic_Images/EAC%20Questions.png</image:loc><image:caption>EAC Questions</image:caption><image:title>EAC Questions</image:title></image:image><lastmod>2023-06-17</lastmod></url><url><loc>https://blog.rch1.com/blog/pitfalls-associated-with-lost-and-missing-participants-marketwatch-article</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Publications/MarketWatch/Logo/marketwatch-logo.png</image:loc><image:caption>marketwatch-logo</image:caption><image:title>marketwatch-logo</image:title></image:image><image:image><image:loc>https://mail.rch1.com/hubfs/Publications/MarketWatch/Logo/marketwatch-logo2.jpg</image:loc><image:caption>marketwatch-logo2</image:caption><image:title>marketwatch-logo2</image:title></image:image><lastmod>2018-01-19</lastmod></url><url><loc>https://blog.rch1.com/blog/its-the-final-countdown-for-2021-401k-plan-terminations</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Set_Up_Images/Other_Generic_Images/Term_plan_final_countdown.png</image:loc><image:caption>Term_plan_final_countdown</image:caption><image:title>Term_plan_final_countdown</image:title></image:image><lastmod>2025-08-11</lastmod></url><url><loc>https://blog.rch1.com/blog/big-changes-coming-for-small-401k-accounts</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Set_Up_Images/Other_Generic_Images/Speed_of_Retirement.jpg</image:loc><image:caption>Speed_of_Retirement</image:caption><image:title>Speed_of_Retirement</image:title></image:image><lastmod>2019-08-29</lastmod></url><url><loc>https://blog.rch1.com/blog/why-preserving-small-balances-matters-and-how-auto-portability-helps</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Why%20Preserving%20Small%20Balances%20Matters.jpg</image:loc><image:caption>Why Preserving Small Balances Matters</image:caption><image:title>Why Preserving Small Balances Matters</image:title></image:image><lastmod>2025-06-26</lastmod></url><url><loc>https://blog.rch1.com/blog/whats-missing-from-the-secure-act-a-provision-to-plug-cash-out-leakage</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Publications/EBN/ebnimage.jpg</image:loc><image:caption>ebnimage</image:caption><image:title>ebnimage</image:title></image:image><lastmod>2019-07-18</lastmod></url><url><loc>https://blog.rch1.com/blog/cybersecurity-meets-retirement-security</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Set_Up_Images/Other_Generic_Images/Cybersecurityv3.png</image:loc><image:caption>Cybersecurityv3</image:caption><image:title>Cybersecurityv3</image:title></image:image><lastmod>2020-05-07</lastmod></url><url><loc>https://blog.rch1.com/blog/making-your-day-re-visited-when-retirement-savers-luck-runs-out</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Publications/MarketWatch/Logo/marketwatch-logo.png</image:loc><image:caption>marketwatch-logo</image:caption><image:title>marketwatch-logo</image:title></image:image><image:image><image:loc>https://mail.rch1.com/hubfs/Publications/MarketWatch/Logo/marketwatch-logo2.jpg</image:loc><image:caption>marketwatch-logo2</image:caption><image:title>marketwatch-logo2</image:title></image:image><lastmod>2018-01-19</lastmod></url><url><loc>https://blog.rch1.com/blog/alight-solutions-to-lead-nationwide-launch-of-auto-portability</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Publications/Alight/RCH%20Alight%20-%20Combined%20Logo.png</image:loc><image:caption>RCH Alight - Combined Logo</image:caption><image:title>RCH Alight - Combined Logo</image:title></image:image><image:image><image:loc>https://mail.rch1.com/hubfs/Breaking%20News.png</image:loc><image:caption>Breaking News</image:caption><image:title>Breaking News</image:title></image:image><lastmod>2023-06-17</lastmod></url><url><loc>https://blog.rch1.com/blog/add-consolidation-to-the-script-for-improving-plan-metrics-ebn</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Publications/EBN/ebnimage.jpg</image:loc><image:caption>ebnimage</image:caption><image:title>ebnimage</image:title></image:image><lastmod>2018-01-11</lastmod></url><url><loc>https://blog.rch1.com/blog/tales-from-the-roll-in-front-lines-pt-2</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Set_Up_Images/Other_Generic_Images/combat-diver-60545_640.png</image:loc><image:caption>combat-diver-60545_640</image:caption><image:title>combat-diver-60545_640</image:title></image:image><lastmod>2018-01-19</lastmod></url><url><loc>https://blog.rch1.com/blog/rch-announces-the-national-cashout-clock</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Set_Up_Images/Consolidation_Corner/Cashout_Clock_Billboard_Outdoors.png</image:loc><image:caption>Cashout_Clock_Billboard_Outdoors</image:caption><image:title>Cashout_Clock_Billboard_Outdoors</image:title></image:image><lastmod>2019-08-29</lastmod></url><url><loc>https://blog.rch1.com/blog/march-30th-washington-dc-forum-to-showcase-retirement-plan-portability-public-policy</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Event_Images/FSR/portability-event-sponsors-square.png</image:loc><image:caption>portability-event-sponsors-square</image:caption><image:title>portability-event-sponsors-square</image:title></image:image><lastmod>2023-06-17</lastmod></url><url><loc>https://blog.rch1.com/blog/think-twice-before-consolidating-your-401k-accounts-on-your-own</loc><lastmod>2018-01-19</lastmod></url><url><loc>https://blog.rch1.com/blog/reducing-the-burden-of-missing-participants</loc><lastmod>2025-08-29</lastmod></url><url><loc>https://blog.rch1.com/blog/rising-healthcare-costs-necessitate-healthy-retirement-saving-habits</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Publications/EBN/ebnimage.jpg</image:loc><image:caption>ebnimage</image:caption><image:title>ebnimage</image:title></image:image><lastmod>2018-01-19</lastmod></url><url><loc>https://blog.rch1.com/blog/department-of-labor-issues-auto-portability-advisory-opinion</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Set_Up_Images/Other_Generic_Images/DOL%20Issues%20AP%20AO.png</image:loc><image:caption>DOL Issues AP AO</image:caption><image:title>DOL Issues AP AO</image:title></image:image><lastmod>2023-06-17</lastmod></url><url><loc>https://blog.rch1.com/blog/safe-harbor-iras-arent-always-safe</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Publications/EBN/ebnimage.jpg</image:loc><image:caption>ebnimage</image:caption><image:title>ebnimage</image:title></image:image><lastmod>2020-01-28</lastmod></url><url><loc>https://blog.rch1.com/blog/measuring-the-value-of-intensive-missing-participant-searches</loc><lastmod>2024-09-11</lastmod></url><url><loc>https://blog.rch1.com/blog/spotlight-on-cashout-leakage-the-fundamentals</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Set_Up_Images/Other_Generic_Images/Cashout_Leakage_Dam.png</image:loc><image:caption>Cashout_Leakage_Dam</image:caption><image:title>Cashout_Leakage_Dam</image:title></image:image><lastmod>2023-06-17</lastmod></url><url><loc>https://blog.rch1.com/blog/the-stealth-solution-to-americas-retirement-savings-crisis</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Set_Up_Images/Other_Generic_Images/radar_screen.png</image:loc><image:caption>radar_screen</image:caption><image:title>radar_screen</image:title></image:image><lastmod>2023-06-17</lastmod></url><url><loc>https://blog.rch1.com/blog/dc-plan-termination-educational-video-series-part-1</loc><image:image><image:loc>https://mail.rch1.com/hubfs/DCPT%202025%20pt1%20071825.png</image:loc><image:caption>DCPT 2025 pt1 071825</image:caption><image:title>DCPT 2025 pt1 071825</image:title></image:image><lastmod>2025-08-12</lastmod></url><url><loc>https://blog.rch1.com/blog/the-institutionalization-of-portability-is-key-to-reducing-cash-out-leakage</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Publications/EBN/ebnimage.jpg</image:loc><image:caption>ebnimage</image:caption><image:title>ebnimage</image:title></image:image><lastmod>2023-12-12</lastmod></url><url><loc>https://blog.rch1.com/blog/a-roll-in-in-time-saves-far-more-than-nine</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Publications/MarketWatch/Logo/marketwatch-logo.png</image:loc><image:caption>marketwatch-logo</image:caption><image:title>marketwatch-logo</image:title></image:image><image:image><image:loc>https://mail.rch1.com/hubfs/Publications/MarketWatch/Logo/marketwatch-logo2.jpg</image:loc><image:caption>marketwatch-logo2</image:caption><image:title>marketwatch-logo2</image:title></image:image><lastmod>2018-01-19</lastmod></url><url><loc>https://blog.rch1.com/blog/a-happy-ending-for-consenting-401k-participants</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Happy%20Ending.png</image:loc><image:caption>Happy Ending</image:caption><image:title>Happy Ending</image:title></image:image><image:image><image:loc>https://mail.rch1.com/hubfs/PrgmResponseRates062021.jpg</image:loc><image:caption>PrgmResponseRates062021</image:caption><image:title>PrgmResponseRates062021</image:title></image:image><lastmod>2023-06-17</lastmod></url><url><loc>https://blog.rch1.com/blog/dc-plan-termination-educational-video-series-part-2-common-mistakes-plan-sponsors-make</loc><image:image><image:loc>https://mail.rch1.com/hubfs/DCPT%202025%20pt2%20071825.png</image:loc><image:caption>DCPT 2025 pt2 071825</image:caption><image:title>DCPT 2025 pt2 071825</image:title></image:image><lastmod>2025-08-12</lastmod></url><url><loc>https://blog.rch1.com/blog/retirement-industry-associations-weigh-in-on-auto-portability</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Set_Up_Images/Other_Generic_Images/step%20on%20scale.jpg</image:loc><image:caption>step on scale</image:caption><image:title>step on scale</image:title></image:image><lastmod>2019-01-15</lastmod></url><url><loc>https://blog.rch1.com/blog/the-next-area-to-tackle-for-preserving-retirement-savings-uncashed-distribution-checks</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Publications/EBN/ebnimage.jpg</image:loc><image:caption>ebnimage</image:caption><image:title>ebnimage</image:title></image:image><lastmod>2023-06-17</lastmod></url><url><loc>https://blog.rch1.com/blog/uncashed-checks-an-ounce-of-prevention</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Set_Up_Images/Other_Generic_Images/uncashed%20checks.png</image:loc><image:caption>uncashed checks</image:caption><image:title>uncashed checks</image:title></image:image><lastmod>2018-01-19</lastmod></url><url><loc>https://blog.rch1.com/blog/2022-a-most-consequential-year-for-retirement-savings-portability</loc><image:image><image:loc>https://mail.rch1.com/hubfs/2022%20Consequential%20Year.png</image:loc><image:caption>2022 Consequential Year</image:caption><image:title>2022 Consequential Year</image:title></image:image><lastmod>2023-06-16</lastmod></url><url><loc>https://blog.rch1.com/blog/two-retirement-public-policy-initiatives-moving-forward-in-2018</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Set_Up_Images/Other_Generic_Images/publicpolicy.jpg</image:loc><image:caption>publicpolicy</image:caption><image:title>publicpolicy</image:title></image:image><lastmod>2023-12-01</lastmod></url><url><loc>https://blog.rch1.com/blog/auto-portability-featured-in-erisa-advisory-council-report</loc><lastmod>2023-06-17</lastmod></url><url><loc>https://blog.rch1.com/blog/five-common-misconceptions-about-automatic-rollovers</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Set_Up_Images/Other_Generic_Images/False_ARO.png</image:loc><image:caption>False_ARO</image:caption><image:title>False_ARO</image:title></image:image><lastmod>2018-01-19</lastmod></url><url><loc>https://blog.rch1.com/blog/the-future-is-brighter-for-small-balance-retirement-accounts</loc><lastmod>2023-08-11</lastmod></url><url><loc>https://blog.rch1.com/blog/the-top-five-misconceptions-about-auto-portability</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Misconceptions.png</image:loc><image:caption>Misconceptions</image:caption><image:title>Misconceptions</image:title></image:image><lastmod>2023-06-17</lastmod></url><url><loc>https://blog.rch1.com/blog/elections-have-consequences-elect-to-help-participants-keep-their-savings-instead-of-losing-their-savings-via-mandatory-distributions</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Publications/EBN/ebnimage.jpg</image:loc><image:caption>ebnimage</image:caption><image:title>ebnimage</image:title></image:image><image:image><image:loc>https://mail.rch1.com/hubfs/Publications/RCH/FromTheTopv3-01.png</image:loc><image:caption>FromTheTopv3-01</image:caption><image:title>FromTheTopv3-01</image:title></image:image><lastmod>2023-12-12</lastmod></url><url><loc>https://blog.rch1.com/blog/think-twice-before-tapping-your-401k-for-short-term-needs</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Publications/The%20Wall%20Street%20Journal/WSJ-Logo.jpg</image:loc><image:caption>WSJ-Logo</image:caption><image:title>WSJ-Logo</image:title></image:image><lastmod>2020-03-30</lastmod></url><url><loc>https://blog.rch1.com/blog/five-misconceptions-about-automatic-rollovers</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Video_Splash.png</image:loc><image:caption>Video_Splash</image:caption><image:title>Video_Splash</image:title></image:image><lastmod>2023-06-17</lastmod></url><url><loc>https://blog.rch1.com/blog/five-reasons-why-new-401k-auto-portability-legislation-is-so-important</loc><image:image><image:loc>https://mail.rch1.com/hubfs/social-suggested-images/Capitol_Hill_HD_sign_at_500_Independence_Ave_SE_-_Washington_DC.jpg</image:loc><image:caption>Capitol_Hill_HD_sign_at_500_Independence_Ave_SE_-_Washington_DC</image:caption><image:title>Capitol_Hill_HD_sign_at_500_Independence_Ave_SE_-_Washington_DC</image:title></image:image><lastmod>2023-06-16</lastmod></url><url><loc>https://blog.rch1.com/blog/strengthening-missing-participant-policies-whats-new</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Strengthening%20MP%20Policies.png</image:loc><image:caption>Strengthening MP Policies</image:caption><image:title>Strengthening MP Policies</image:title></image:image><lastmod>2026-06-15</lastmod></url><url><loc>https://blog.rch1.com/blog/advice-college-graduates-wont-hear-at-commencement-strive-for-25</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Publications/MarketWatch/Logo/marketwatch-logo2.jpg</image:loc><image:caption>marketwatch-logo2</image:caption><image:title>marketwatch-logo2</image:title></image:image><image:image><image:loc>https://mail.rch1.com/hubfs/Publications/MarketWatch/Logo/marketwatch-logo.png</image:loc><image:caption>marketwatch-logo</image:caption><image:title>marketwatch-logo</image:title></image:image><lastmod>2018-01-19</lastmod></url><url><loc>https://blog.rch1.com/blog/the-huge-potential-of-the-savers-match-for-closing-the-retirement-savings-gap</loc><lastmod>2025-03-27</lastmod></url><url><loc>https://blog.rch1.com/blog/leakage-shrinkage-two-brothers-from-the-same-mother</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Leakage%20and%20Shrinkage-1.png</image:loc><image:caption>Leakage 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Renaissance</image:title></image:image><lastmod>2023-06-16</lastmod></url><url><loc>https://blog.rch1.com/blog/if-timothy-leary-were-a-401k-plan-sponsor</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Set_Up_Images/Other_Generic_Images/save_up_move_on_cash_out.png</image:loc><image:caption>save_up_move_on_cash_out</image:caption><image:title>save_up_move_on_cash_out</image:title></image:image><lastmod>2023-06-17</lastmod></url><url><loc>https://blog.rch1.com/blog/rch-and-ebri-present-consolidated-testimony-on-auto-portability-before-the-erisa-advisory-council</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Set_Up_Images/Other_Generic_Images/erisa.jpg</image:loc><image:caption>erisa</image:caption><image:title>erisa</image:title></image:image><lastmod>2023-06-17</lastmod></url><url><loc>https://blog.rch1.com/blog/robert-l.-johnson-chairman-of-board-and-largest-shareholder-of-retirement-clearinghouse-secures-endorsement-of-two-civil-rights-organizations-for-auto-portability</loc><image:image><image:loc>https://mail.rch1.com/hubfs/NAACP%20and%20NUL%20Endorsements.png</image:loc><image:caption>NAACP 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1 Table 1</image:caption><image:title>Pt 1 Table 1</image:title></image:image><image:image><image:loc>https://mail.rch1.com/hubfs/Set_Up_Images/Other_Generic_Images/Pt%201%20Figure%201.png</image:loc><image:caption>Pt 1 Figure 1</image:caption><image:title>Pt 1 Figure 1</image:title></image:image><image:image><image:loc>https://mail.rch1.com/hubfs/Set_Up_Images/Other_Generic_Images/AP_definition_best_interests.png</image:loc><image:caption>AP_definition_best_interests</image:caption><image:title>AP_definition_best_interests</image:title></image:image><lastmod>2019-03-23</lastmod></url><url><loc>https://blog.rch1.com/blog/how-to-contain-the-damage-from-the-small-account-explosion</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Publications/EBN/ebnimage.jpg</image:loc><image:caption>ebnimage</image:caption><image:title>ebnimage</image:title></image:image><lastmod>2018-12-20</lastmod></url><url><loc>https://blog.rch1.com/blog/towards-a-sustainable-and-greener-401k-system</loc><image:image><image:loc>https://mail.rch1.com/hubfs/DC_Landfill.png</image:loc><image:caption>DC_Landfill</image:caption><image:title>DC_Landfill</image:title></image:image><lastmod>2025-01-29</lastmod></url><url><loc>https://blog.rch1.com/blog/how-to-remove-friction-from-401k-system</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Set_Up_Images/Other_Generic_Images/front_lines.png</image:loc><image:caption>front_lines</image:caption><image:title>front_lines</image:title></image:image><lastmod>2018-12-20</lastmod></url><url><loc>https://blog.rch1.com/blog/dc-plan-sponsor-priorities-should-include-plugging-leakage-enabling-auto-portability</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Publications/EBN/ebnimage.jpg</image:loc><image:caption>ebnimage</image:caption><image:title>ebnimage</image:title></image:image><lastmod>2018-04-17</lastmod></url><url><loc>https://blog.rch1.com/blog/the-triple-crown-to-unlock-retirement-security-for-all</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Retirement%20Savings%20Triple%20Crown.png</image:loc><image:caption>Retirement 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Gains</image:title></image:image><lastmod>2023-06-17</lastmod></url><url><loc>https://blog.rch1.com/blog/new-insights-into-the-problem-of-missing-participants</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Set_Up_Images/Other_Generic_Images/Missing_Carton_Mag_Glass_alpha.png</image:loc><image:caption>Missing_Carton_Mag_Glass_alpha</image:caption><image:title>Missing_Carton_Mag_Glass_alpha</image:title></image:image><lastmod>2018-03-13</lastmod></url><url><loc>https://blog.rch1.com/blog/auto-portability-adoption-picks-up-steam</loc><lastmod>2024-07-18</lastmod></url><url><loc>https://blog.rch1.com/blog/lets-extend-the-spirit-of-the-cares-act-to-automatic-rollover-iras</loc><image:image><image:loc>https://mail.rch1.com/hubfs/CARESactButton2-01.png</image:loc><image:caption>CARESactButton2-01</image:caption><image:title>CARESactButton2-01</image:title></image:image><lastmod>2020-04-28</lastmod></url><url><loc>https://blog.rch1.com/blog/what-plan-sponsors-can-do-to-plug-401k-plan-leakage</loc><image:image><image:loc>https://mail.rch1.com/hubfs/Videos/Vid_PS_Prevent_Leakage.png</image:loc><image:caption>Vid_PS_Prevent_Leakage</image:caption><image:title>Vid_PS_Prevent_Leakage</image:title></image:image><lastmod>2018-01-19</lastmod></url><url><loc>https://blog.rch1.com/blog/three-steps-to-getting-off-the-uncashed-distribution-check-treadmill</loc><image:image><image:loc>https://mail.rch1.com/hubfs/The%20Uncashed%20Check%20Treadmill.jpg</image:loc><image:caption>The 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