401k participant transition management blog posts


Aug
16
2018

A Tale of Two 401(k) Balance Segments

RCH's Tom Hawkins reveals new research that predicts 401(k) participant outcomes following separation for two balance segments – those above & below $15,000. Using logic developed in the Auto Portability Simulation to track & tally participant outcomes 8 years following separation, the results reveal a startling contrast between the two segments – with participants in the over-$15,000 segment experiencing far-superior outcomes to those in the under-$15,000 segment. To address the disparities, Hawkins advocates for a new “automatic” in the form of auto portability.

Sep
27
2016

Five Misconceptions About 401(k) Leakage

This video presentation is designed to provide qualified retirement plan sponsors with an understanding of the facts and popular misconceptions surrounding the topic of 401(k) plan leakage.

Sep
02
2016

A Plan Sponsor's Guide to Supporting Roll-ins

Plan sponsors are becoming more-and-more familiar with the concept of rollover contributions, otherwise known as roll-ins. Yet, few plan sponsors truly understand what it takes to implement an effective roll-in program that properly informs, encourages and supports plan participants in undertaking roll-in transactions. This video provides plan sponsors with a basic understanding of the elements required to properly establish and support a roll-in program.

Aug
15
2016

The ABCs of Roll-ins

This video presentation is designed to give the viewer a basic understanding of the concepts of qualified plan roll-in contributions.

Apr
04
2016

Roll-In Services are a Slam Dunk for Sponsors & Participants

In his April 1st, 2016 article in MarketWatch, RCH's CEO Spencer Williams describes the sting that retirement savers feel -- not once, but twice -- when they choose to cash out their 401(k) savings.

Feb
29
2016

Tales from the Roll-In Front Lines, Part II

In a previous post, Tales from the Roll-In Front Lines, Part I, we described a roll-in transaction gone awry: a comedy of errors that occurs all too often when service providers are unfamiliar with consolidating retirement savings from one plan into another.

Feb
01
2016

Cutting the Gordian Knot: Portability & Small Accounts

Have you ever wondered why so few participants move their old 401(k)s into their current employers' plans? Or why so many participants prematurely cash out their retirement savings accounts, regardless of taxes and penalties? Or why job-changing participants leave their savings behind only to lose track of them as if their assets for retirement belong on some remote desert island away from all their other savings?

Dec
16
2015

The checklist you need to manage multiple retirement accounts

In his December 16th, 2015 article in MarketWatch, RCH's CEO Spencer Williams offers a year-end checklist for those retirement savers who have elected to leave qualified retirement savings accounts behind with their former employers.

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