Mobile workforce (or job-changing participants) blog posts


Sep
13
2016

Consolidation: Make the Smart Decision the Easiest Decision

"Make the smart decision the easiest decision" seems like an obvious goal for plan sponsors when designing participant-directed retirement plans, and it's certainly driven the rapid adoption of the autos auto enrollment, auto deferral escalation, and auto investment options, such as target-date funds and managed accounts.

Aug
25
2016

The ABCs of Missing Participants

Learn the ABCs of missing participants in defined contribution plans.

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.

Jul
28
2016

First Half of 2016: A Look-Back at the Headlines Driving a New "Auto" for 401(k) Plans

In the first half of 2016, not only has the retirement industry awakened to the problem of cashout leakage, but it's begun to acknowledge its root cause: a lack of retirement savings portability. At the same time, Auto Portability has emerged as the only viable solution to cashout leakage, delivering portability for the small-balance (less than $5,000) job-changer, automatically moving their balances forward when they change jobs and enroll in a new plan. Let's look-back at the first half of 2016 and see how Auto Portability may now be poised to become an "overnight success" in the not-too-distant future.

Jun
16
2016

Interesting Finding Emerges from the Auto Portability Simulation

When the Auto Portability Simulation (APS) model was recently unveiled at EBRI's 78th Policy Forum, a lot of attention was paid to the "marquee" numbers, and rightly so. I am referring here to the $154 billion reduction in cashout leakage, as well as the $115 billion increase in plan-to-plan roll-ins that occur under the adoption of Auto Portability.

Jun
06
2016

Advice college graduates won't hear at commencement: "Strive for 25"

As they set out into the working world, RCH President & CEO Spencer Williams counsels the Class of 2016 on the importance of developing good saving habits from the very beginning. Using the phrase "Strive for 25" Williams notes that the $25,000 retirement savings threshold is a critical milestone that all graduates should target.

May
20
2016

Auto Portability Simulation Model Unveiled at 78th EBRI Policy Forum

On May 12th, Retirement Clearinghouse President & CEO J. Spencer Williams unveiled the Auto Portability Simulation (APS) at the Employee Benefit Research Institute's 78th Policy Forum. The APS was developed by Retirement Clearinghouse in conjunction with Dr. Ricki Ingalls, Chair of Computer Information Systems at Texas State University, and Principal at Diamond Head Associates, Inc.

May
09
2016

What you won't hear in commencement addresses

In his May 9th article in MarketWatch's Retirement Mentors blog, RCH President & CEO Spencer Williams offers sage advice to college graduates as they enter the workforce: consolidate your retirement savings!

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