Moving Retirement Forward

Retirement Clearinghouse (RCH) is the leader in retirement savings portability, offering RCH Portability -- the only program proven by empirical research to significantly boost participants' financial wellness by reducing 401(k) cashouts and by preserving retirement savings.

Sponsors/Service Providers


Retirement ClearinghouseRetirement Clearinghouse

Retirement Clearinghouse (RCH) provides retirement plan sponsors with services that move retirement savings forward as their participants change jobs, delivering true plan-to-plan portability. For plan sponsors, RCH's services solve the small account problem, decreasing plan costs and reducing fiduciary liability. For participants, RCH's solutions boosts financial wellness by preserving retirement savings, increasing average balances and promoting retirement readiness.

RCH Auto Portability℠ is the enhanced standard of care for an automatic rollover program, reducing cashouts by 52%, while helping participants receiving mandatory distributions (<$7,000, effective 12/31/23) consolidate retirement savings into their current-employer's plan.

RCH Managed Portability℠ is for all participants, all balances and relies upon participant consent to consolidate retirement savings. Our Assisted Roll-In service provides participants with end-to-end assistance in consolidating their retirement savings into their current-employer's plan.

RCH also delivers the following services:

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