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Mandatory distributions blog posts
Three New Year's Resolutions for Plan Sponsors to Consider
Writing in Consolidation Corner, RCH EVP Neal Ringquist offers retirement plan sponsors three New Year's resolutions that, if adopted, will facilitate retirement savings portability and make 2021 a better year for the plan as well as for its participants.
The Most Promising Policies to Reduce 401(k) Cashout Leakage
In his five-part series in Consolidation Corner, RCH's Tom Hawkins sheds light on the problem of cashout leakage, a silent crisis that unnecessarily robs millions of Americans of their retirement security. In his fourth article in the series, Hawkins addresses policies with the most promise to reduce the 401(k) cashout leakage problem.
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.
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.