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401k consolidation blog posts
Leaving Your 401(k) Savings Behind Will Cost You!
In his July 30th, 2015 MarketWatch article titled, Leaving Your 401K Behind When Changing Jobs Will Cost You, RCH's CEO Spencer Williams gives sage advice to America's mobile workforce, urging job-changing retirement savers to take the initiative and to consolidate their retirement savings.
Consolidation: The Missing Piece of the Retirement Game Plan
Today, it's a commonly-accepted practice for plan sponsors to focus on three major initiatives in order to promote retirement adequacy: participation, saving and diversification. While these concepts are proven, the emerging best practice is to incorporate the principle of consolidation, so that plan sponsors will begin to focus on participation, consolidation, saving and diversification.
Safe Harbor IRAs Are Not Always Safe
Plan sponsors can help themselves and their participants over the long term by rolling balances of $5,000 or less from inactive participants into safe harbor IRAs. However, for various reasons discussed below, many safe harbor IRAs do not live up to their name and could leave sponsors with unexpected fiduciary liability.
Pitfalls Associated With Lost & Missing Participants
Collaborating with Retirement Clearinghouse, Boston Research Technologies completed groundbreaking research earlier this year on the mobile workforce and the job changer's attitudes and behavior regarding their 401(k) accounts during job transition.
Portability and the Mobile Work Force Webcast Recap
In conjunction with Boston Research Technologies, Retirement Clearinghouse (RCH) announced the findings of a groundbreaking research study on America's mobile workforce, providing insights into participant behaviors regarding retirement savings portability. The study offers plan sponsors with strategies to stem cashouts and to improve retirement outcomes.
DIY Plan-To-Plan Portability Is Harder Than You Think
Have you ever tried to fix a leaky kitchen faucet yourself? If so, the task probably seemed simple at the outset.
Add Consolidation To The Script For Improving Plan Metrics
Initiatives by employers to drive up savings and enrollment in their retirement plans over the past decade have generally followed the same three-pronged approach participate, save, diversify.
5 Retirement Plan Resolutions For 2015
New Year's resolutions are not just for dieters and exercisers. The start of a new year is an ideal time for retirement plan sponsor to assess the effectiveness of their plan. Virtually all plan sponsors have areas that are ripe for improvement. Here are five resolutions to make and keep in 2015 to ensure you have a smoothly-running, cost-effective plan than succeeds at preparing employees for retirement.
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