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 and Assisted Roll-Out services provide participants with education and end-to-end assistance in consolidating their retirement savings into their current-employer's plan or into an existing IRA.
RCH also delivers the following services: