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Mobile workforce (or job-changing participants) blog posts
Boomers: Consolidate Your Retirement Accounts Immediately!
In his 11/16/15 MarketWatch article Boomers need to consolidate retirement accounts immediately RCH President & CEO J. Spencer Williams notes that the baby boomer generation, which is closest to retirement age, stands to benefit the most from consolidating their retirement savings, vs. leaving their accounts behind at former employers.
What To Look For In A Roll-In Service Provider
Warren Cormier, CEO of Boston Research Technologies, recently published a research study that revealed that a large majority of plan participants are receptive to consolidating their retirement savings accounts in their current plans.
What Participants' Distribution Decisions Are Telling Us
That's changing, as Neal Ringquist explains.
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.
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.
How to Make Mandatory Distributions More Fiduciary Friendly
Mandatory distributions from employer-sponsored plans are a creation of regulation's specifically, a section of ERISA that allows plan sponsors to distribute accounts with less than $5,000 out of a qualified plan and into a safe harbor IRA.
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.
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