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Read the latest blog posts by Retirement Clearinghouse addressing the problem of uncashed checks in defined contribution plans.
How Auto Portability Serves Participants’ Best Interests - Part 3: Auto Portability Could Lower Plan Expenses
In the 3rd installment of his five-part series on "How Auto Portability Serves Participants' Best Interests", RCH's Tom Hawkins examines how a program of auto portability can serve to lower plan expenses by 1) reducing small-balance accounts and 2) increasing plan assets. To illustrate these benefits, Hawkins uses the Auto Portability Simulation (APS) to model a hypothetical, 10,000 participant plan over 40 years, with and without auto portability.
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.
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.
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.
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.
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.
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.
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...
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