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.


Aug
25
2016

The ABCs of Missing Participants

Learn the ABCs of missing participants in defined contribution plans.

Aug
23
2016

New Penalties for Lost Participants Take Effect

In November of 2015, Congress enacted the Federal Civil Monetary Penalties Inflation Adjustment Act Improvements Act to apply inflation adjustments to various penalties defined under the Federal Civil Inflation Adjustment Act of 1990.

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.

Aug
09
2016

Why Small Balance Cash Outs Are Falling Through the Cracks

According to the recently released 2016 Willis Towers Watson U.S. Retirement Governance Survey, a major trend in retirement plan governance is the growing concern employers have for employees' retirement benefit adequacy and financial well-being.

Aug
02
2016

Brexit Reminds Retirement-Savers Why Account Consolidation is Important

In his most recent article in MarketWatch, RCH's Spencer Williams cites the recent market trauma experienced in the wake of the United Kingdom's decision to exit the European Union (Brexit) as a good reason for retirement-savers to consolidate their accounts.

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.

Jul
11
2016

Embracing A New Source of Plan Growth

In the wake of the Fiduciary Rule, providers of all stripes are broadly reevaluating their strategies for the participant and asset retention that is essential to growing their retirement plan businesses. Over the past two decades, providers have primarily looked to capture IRA rollovers as a means to grow retirement assets. The Department of Labor's new Fiduciary Rule creates challenges to that model. However, there is another, largely untapped, pool of assets within providers' reach that can fuel growth premature cash-outs. Auto portability, and portability solutions in general, represent a new and unique way to tap that potential source of growth.

Jul
01
2016

When it Comes to Saving for Retirement, Millennials Can Learn from Baby Boomers' Mistakes

In his 6/30/16 MarketWatch article, RCH President and CEO Spencer Williams suggests an inter-generational dialogue on the pitfalls to avoid when saving for retirement.

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