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401k missing participants blog posts
The ABCs of Auto Portability
This video presentation is designed to give the viewer a basic understanding of Auto Portability.
LIMRA's Secure Retirement Institute Features Auto Portability Research
RCH's EVP Tom Johnson notes LIMRA's research and support of Auto Portability.
The ABCs of Missing Participants
Learn the ABCs of missing participants in defined contribution plans.
New Penalties for Lost Participants Take Effect
In November of 2015, Congress enacted the Federal Civil Monetary Penalties Inflation Adjustment Act Improvements Act to apply inflation adjustments to various penalties defined under the Federal Civil Inflation Adjustment Act of 1990.
401(k) Plan Termination Video Series Part 3: Five Criteria for Selecting a Services Provider
Retirement Clearinghouse (RCH) is pleased to offer a three-part series of educational videos on plan terminations, presented by Mike Wilder, RCH's Vice President of Client Services. These videos are intended to provide plan sponsors with a basic understanding of key plan termination process steps, the common mistakes that are made by plan sponsors, and the key criteria for selecting a plan termination services provider. We hope you will find these videos interesting & informative!
401(k) Plan Termination Video Series Part 2: Common Mistakes Plan Sponsors Make
Retirement Clearinghouse (RCH) is pleased to offer a three-part series of educational videos on 401(k) plan terminations, presented by Mike Wilder, RCH's Vice President of Client Services. These videos are intended to provide plan sponsors with a basic understanding of key plan termination process steps, the common mistakes that are made by plan sponsors, and the key criteria for selecting a plan termination services provider. We hope you will find these videos interesting & informative!
One Solution to Three Costly Retirement-Saving Mistakes
In his September 2nd, 2015 MarketWatch article One Solution to Three Costly Retirement-Saving Mistakes, RCH's CEO Spencer Williams provides insight as to why a majority of Americans are not very confident in their retirement readiness. Three costly mistakes consistently plague retirement savers: 1) leaving 401(k) accounts behind when changing jobs, 2) prematurely cashing out and 3) not informing prior employers' retirement plan record-keepers about address changes.
Reducing the Burden of Missing Participants
Whenever I am meeting with a plan sponsor, TPA or recordkeeper for the first time, I ask about returned mail related to missing participants; and almost every time I get "the look" - The look and/or eye roll that instantly says that returned mail is definitely a problem. The entire retirement industry is all-too-familiar with returned mail related to missing participants. In addition to the money wasted on materials and mailing costs, missing participants create administrative burdens and increase the plan's fiduciary liability risk. So, what is a fiduciary to do?
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