Recent Developments

Larger 401(k) Plans Embrace Auto Portability as Due Diligence Drives Confidence

Since late 2023, when auto portability – as delivered via the Portability Services Network (PSN) – became operational, the new plan feature has been steadily working its way from an innovative concept into a core best practice for addressing the chronic problem of retirement plan cashout leakage. What’s becoming increasingly clear is that larger 401(k) plans are now joining the movement in meaningful numbers. That shift represents an important inflection point: one where cautious, scale‑focused plan sponsors are completing their due diligence and becoming confident that auto portability delivers real, measurable value to participants without introducing unnecessary risk.

Previously featured in the RCH Consolidation Corner blog

Also featured in PSCA News

MEDIA ALERT: Whitepaper Presents Comprehensive Framework for Modernizing America’s Fragmented Retirement Ecosystem

MARCH 5, 2026 – Retirement Clearinghouse (RCH) today announced the release of a landmark whitepaper, Building Out Clearinghouse Services for the U.S. Retirement System: A Blueprint for a Digital Infrastructure. Authored by Spencer Williams, Thomas Hawkins, and Dr. Ricki Ingalls, the paper presents the most comprehensive framework to date for modernizing America’s fragmented retirement ecosystem.

Plan Sponsors Warm Up to Super Catch-Up

PLANSPONSOR's Emily Boyle reviews a 2/10/26 Fiduciary & Regulatory Insights report from Vanguard's Jeffrey Clark, which examines optional provisions of SECURE 2.0 that are beginning to take hold with their plan sponsor clients. Boyle writes that the Vanguard analysis concludes that, "[b]y year-end 2025, 7% of plans had adopted auto-portability," and quoted Clark's piece as characterizing the results as "a modest step with significant long-term potential.”

401(k) Plan-to-Plan Rollovers Hit $20B: Retirement Clearinghouse

Ignites' Beagan Wilcox-Volz covers the 12/16/25 announcement by Retirement Clearinghouse (RCH) that it has "moved $20 billion in assets from old accounts held through former employers' plans into new, active accounts or IRAs since 2009, when [the firm] was founded." Importantly, the article notes that "[t]he $20 billion milestone includes small 401(k) accounts moved by the Portability Services Network, an industry 'utility' established by Retirement Clearinghouse and six recordkeepers, which are founding owner members of the network — Alight, Fidelity, Empower, Principal, Vanguard and TIAA."

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RCH Hits Another Milestone in Preventing Retirement Savings Leakage

NAPA Net's Ted Godbout covers the news that Retirement Clearinghouse (RCH) has "hit another milestone" in its drive to bring portability and consolidation to America's defined contribution system by consolidating "more than 525,000 retirement savings accounts, encompassing more than $20 billion in assets into existing 401(k) or IRA accounts since its founding 16 years ago." Godbout notes the changing composition of consolidations, with recent volumes being influenced by assisted roll-ins performed for the Federal Thrift Savings Plan, as well as growing volumes from the Portability Services Network (PSN).

Also featured in PSCA News

More Than $20B, Across More Than 525.000 Accounts

The 401kWire's Selma Khenissi reports on the announcement from Retirement Clearinghouse (RCH) that it has consolidated over $20 billion in retirement assets, which represents "a doubling in four years." Khenissi's piece adds color to the news with quotes from RCH's Neal Ringquist, who speaks to the volumes recently contributed by the Portability Services Network (PSN) as well as the fact that these results represent "positive participant outcomes and plan metrics."

Retirement Clearinghouse Consolidates $20B in Assets

401k Specialist's Amanda Umpierrez covers the news that Retirement Clearinghouse (RCH) has surpassed $20B in retirement savings account consolidations. Umperriez quotes RCH President & CEO Spencer Williams, and notes the importance of the Portability Services Network (PSN) in recent and projected future growth of the firm's consolidation practice.

Retirement Clearinghouse Reports Consolidating $20B in Assets

PLANSPONSOR's Emily Boyle reports on the 12/16/25 announcement by Retirement Clearinghouse (RCH), writing that RCH "has consolidated more than 525,000 retirement savings accounts, comprising more than $20 billion in assets, into existing 401(k) or individual retirement accounts over the past 16 years." Important to the consolidation narrative and results, Boyle also notes that the Portability Services Network (PSN) "is a collaboration between RCH and six major recordkeepers—Alight Solutions, Vanguard, Fidelity Investments, Empower Retirement, TIAA and Principal Financial Group."

Also featured in PlanAdviser