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Consolidation Corner Blog
Consolidation Corner is the Retirement Clearinghouse (RCH) blog, and features the latest articles and bylines from our executives, addressing important retirement savings portability topics.
RCH Releases New Video “Addressing the Problem of Missing Participants”
The video integrates new research findings from the March 2018 study “The Mobile Workforce’s Missing Participant Problem” and provides viewers with the most-complete and factual summary of the problem.
Benefits Professionals: Avoid Becoming ‘Collateral Damage’ in a Cyberattack
To readers aware of the ongoing, intense media focus on cyberattacks, it should come as no surprise that multiple studies show that the frequency and sophistication of cyberattacks is increasing, rising dramatically in 2017.
The Missing Piece in 401(k) Retirement Income: Consolidation
Over the span of their working lives, Baby Boomers have witnessed the birth of 401(k) plans as optional, "supplemental" retirement plans, seen the rapid spread of 401(k) plans throughout the U.S. retirement system, and tracked the evolution of the 401(k) plan into the primary and often, only -- retirement savings plan to be offered by their employers.
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.
Understanding and Solving the Problem of Women’s 401(k) Cashout Leakage
At a May 22nd, 2018 Women's Institute for a Secure Retirement (WISER) roundtable, Retirement Clearinghouse (RCH) EVP Tom Johnson debuts new women's 401(k) cashout leakage statistics. This important new data highlights the challenges that women face in preserving their small-balance 401(k) retirement savings when changing jobs, and also points to the promise of auto portability to preserve these savings in order to achieve higher balance levels, where more virtuous behaviors can prevail.
DC Plan Sponsor Priorities Should Include Plugging Leakage, Enabling Auto Portability
As we continue to make our way through the second quarter of 2018, now is a good time to reflect on defined contribution (DC) plan sponsor priorities for this year.
Are you all-in on roll-in? Encourage new hires to rollover old 401(k) balances into your plan
Over the past six years, there has been a steady drumbeat pointing the way to increased portability and in-plan consolidation (roll-ins) as the next big strategic focus for 401k plans.
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