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Automatic rollovers blog posts
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.
401(k) Consolidation: What Every Plan Sponsor Should Know
Plan sponsors intuitively know that a proliferation of small-balance 401(k) accounts can create problems. But few sponsors are clear on the factors that give rise to small accounts, and fewer still understand how they can utilize portability programs to solve the problem.
Auto Portability Makes Everything Better
In his December 2017 Consolidation Corner blog post, Tom Hawkins writes about auto portability's special qualities. Great all by itself, auto portability also makes a lot of other retirement savings public policy initiatives a lot better.
The Massive Explosion of Small 401(k) Accounts
The Growing Problem of Small Accounts and How to Defuse It
Five Ways to Make Retirement Savings Portability a Priority in 2018
As the end of 2017 approaches, here are five actions that a plan sponsor could take to facilitate retirement savings portability and significantly improve their plans in 2018.
A Big Step Forward for Auto Portability
Auto portability is now live in America's defined contribution system, implemented by Retirement Clearinghouse and Conduent HR Services for the benefit of a mega plan sponsor's participants.
The Fundamentals of 401(k) Cashout Leakage
This video presentation provides viewers with the latest data characterizing the problem of 401(k) cashout leakage, a major challenge that faces 401(k) participants when they change jobs.
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