A Plan Sponsor's Guide to Supporting Roll Ins

What is a 401(k) Plan Roll-In?

A 401(k) plan roll-in 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. Roll-in contributions are useful for participants in consolidating their retirement savings, which saves them time & money, reduces their propensity to cash out, and promotes financial wellness. For plan sponsors, roll-in contributions increase average plan balances, which tends to reduce plan expenses.

Useful Informational Links on 401(k) Plan Roll-ins:


Regulatory Information:


Online Resources & Tools:


RCH Services that Facilitate 401(k) Roll-Ins:

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

A Plan Sponsor's Guide to Supporting Roll Ins

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