What is 401(k) Consolidation?

Put simply, 401(k) consolidation occurs when two or more qualified retirement savings accounts are combined into an active 401(k) account, typically with a current employer. This is accomplished by way of a 401(k) plan roll-in, which is the transfer of a qualified retirement plan balance of an active 401(k) participant from a previous employer's plan (or IRA) into their current-employer's plan. Consolidating retirement savings saves participants time & money, reduces their propensity to cash out, and promotes financial wellness. For plan sponsors, consolidation increases average plan balances, which tends to reduce plan expenses.

Useful Informational Links on 401(k) Consolidation:


Regulatory Information:


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RCH Services that Facilitate 401(k) Consolidation:

To learn more about all of RCH’s 401(k) consolidation and participant search services, call (866) 827-9608, email sales@RCH1.com, or visit our RCH Portability Services page.

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