Read the latest blog posts by Retirement Clearinghouse addressing the problem of uncashed checks in defined contribution plans.


May
31
2018

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.

Dec
28
2017

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.

Aug
22
2017

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.

Jun
08
2017

Auto Portability: Who Will Benefit?

The ultimate beneficiary of Auto Portability is America’s mobile workforce – the qualified plan participants whose retirement savings are preserved.

Feb
09
2017

Uncashed Distribution Checks: An Ounce of Prevention is Worth a Pound of Cure

Uncashed distribution checks are a problem for plan sponsors, creating fiduciary risk and administrative burdens. Learn how to minimize the problem.

Nov
21
2016

The ABCs of Uncashed 401(k) Distribution Checks

This video presentation is designed to give the viewer a basic understanding of the problem of uncashed 401(k) distribution checks.

Apr
21
2016

Five Common Misconceptions About Automatic Rollovers

Automatic rollover programs allow plan sponsors to force out of their plan separated participants with balances less than $5,000 into a Safe Harbor IRA. These programs can be quite effective at helping sponsors resolve many of the problems associated with housing small-balance accounts in-plan, such as...

Jul
17
2015

Safe Harbor IRAs Are Not Always Safe

Plan sponsors can help themselves and their participants over the long term by rolling balances of $5,000 or less from inactive participants into safe harbor IRAs. However, for various reasons discussed below, many safe harbor IRAs do not live up to their name and could leave sponsors with unexpected fiduciary liability.

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