- Press Releases
- Thought Leadership
- Consolidation Corner
- 401k Consolidation
- Auto Enrollment
- Auto Portability
- Automatic Rollovers
- Cashout Leakage
- DEI, ESG & Social Responsibility
- ERISA Advisory Council
- Lifetime Plan Participation
- Managed Portability
- Missing Participants
- Mandatory Distributions
- Mobile Workforce
- Plan Termination
- Portability Services Network
- Public Policy
- Retirement Income
- Retirement Plan Portability
- Retirement Research
- Safe Harbor IRA
- Uncashed Checks
Read the latest blog posts by Retirement Clearinghouse addressing the problem of uncashed checks in defined contribution plans.
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...
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.