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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.
Roll-In Services are a Slam Dunk for Sponsors & Participants
In his April 1st, 2016 article in MarketWatch, RCH's CEO Spencer Williams describes the sting that retirement savers feel -- not once, but twice -- when they choose to cash out their 401(k) savings.
Account consolidation time-consuming, expensive for employees
As has happened so many times before, the Baby Boomer generation is once again drawing attention to an unmet need: a seamless way to consolidate their collection of retirement accounts into a single account, which is a necessary step to creating a sturdy retirement plan. Much has been written about how sponsors can improve both their plans' overall health and their participants' retirement outcomes by embracing roll-ins; nonetheless, the account-consolidation process remains time-consuming and expensive for most participants.
The Fiduciary Rule and Participant Transition Management
Any day now, the Department of Labor will issue the final version of the long-awaited Fiduciary Rule which will redefine the term "fiduciary" under ERISA. Much has been written about the impact on advisors and broker-dealers, given their service models to retirement plans.
America’s Modern Throwaway – 401(k) Retirement Savings
When trying to shape our future, it is often helpful to understand our past.
Small Balance Cash-Outs: The Easy Choice Is Not The Right One
In a previous blog post, we asked, "Why dump mandatory distributions in a landfill when you can recycle?" As we wrote then, sponsors exercising their authority to automatically roll over separated participants' small balances into safe harbor IRAs' without encouraging participants to take their retirement account savings with them at the point of job change, or facilitating "auto portability" to make plan-to-plan asset transfers a seamless process' are doing themselves and their participants a disservice in the long run.
Saving For Retirement is not a Trivial Pursuit
In his March 3rd column in MarketWatch, RCH President & CEO Spencer Williams establishes an important link between the board games we played as children (ex. Candy Land, Trivial Pursuit and Snakes & Ladders) and the games we can play in adulthood, while managing our retirement savings. The children's games are harmless, fun and instructive, but the adult retirement games (ex. Cashing Out, Stranding Accounts, and Not Updating Your Address) are anything but.
Tales from the Roll-In Front Lines, Part II
In a previous post, Tales from the Roll-In Front Lines, Part I, we described a roll-in transaction gone awry: a comedy of errors that occurs all too often when service providers are unfamiliar with consolidating retirement savings from one plan into another.
401(k) Plan Termination Video Series Part 3: Five Criteria for Selecting a Services Provider
Retirement Clearinghouse (RCH) is pleased to offer a three-part series of educational videos on plan terminations, presented by Mike Wilder, RCH's Vice President of Client Services. These videos are intended to provide plan sponsors with a basic understanding of key plan termination process steps, the common mistakes that are made by plan sponsors, and the key criteria for selecting a plan termination services provider. We hope you will find these videos interesting & informative!
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