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Auto Portability's Foundational Research
Auto portability is supported by a broad base of empirical research that clearly demonstrates the problems facing American workers (job-changing, systemic friction and 401k cashout leakage) as well as the solution: moving retirement savings forward when participants change jobs.
A February 2015 Center for Retirement Research at Boston College analysis of the impact of leakages on retirement assets.
The GAO's 2014 report to Congress examined “forced transfers” and inactive accounts, concluding that greater protections are required. The report cited a “clearinghouse” as a means of achieving a “money follows the participant” objective.
The 2013 Vanguard study "How America Saves 2013" provided an important view into the cashout behaviors of a large portion of America's 401(k) savers and helps form the foundation of research that supports the need for retirement savings portability, and for auto portability in particular.
A Boston Research Group case study validates the RCH business model, which delivers portability and consolidation, while reducing cash outs and leakage.
A Boston Research Group study validates that a 50% reduction in cashout leakage could be achieved by implementing a program of retirement savings portability.
2012 EBRI research indicates that a 50% reduction in cashout leakage could result in an incremental $1.3 trillion in retirement savings, over 10 years.
A study of 401(k) savings disparities across racial and ethnic groups, clearly indicating that minorities are disproportionately impacted by cashout leakage.