Auto Portability's Foundational Research
Auto portability is supported by a broad base of empirical research that clearly demonstrates the problems facing American workers (job-changing, systemic friction and 401k cashout leakage) as well as the solution: moving retirement savings forward when participants change jobs.
Boston College Research: The Impact of Leakages on 401(k)/IRA Assets
A February 2015 Center for Retirement Research at Boston College analysis of the impact of leakages on retirement assets.
401(k) Plans: Greater Protections Needed for Forced Transfers and Inactive Accounts
The GAO's 2014 report to Congress examined “forced transfers” and inactive accounts, concluding that greater protections are required. The report cited a “clearinghouse” as a means of achieving a “money follows the participant” objective.
Vanguard Research Shows Impact of 401(k) Leakage
The 2013 Vanguard study "How America Saves 2013" provided an important view into the cashout behaviors of a large portion of America's 401(k) savers and helps form the foundation of research that supports the need for retirement savings portability, and for auto portability in particular.
PRESS RELEASE - Boston Research Group Case Study Features RCH
A Boston Research Group case study validates the RCH business model, which delivers portability and consolidation, while reducing cash outs and leakage.
2013 Boston Research Group study validates program of portability
A Boston Research Group study validates that a 50% reduction in cashout leakage could be achieved by implementing a program of retirement savings portability.
Initial Results of the EBRI 401(k) Project Model Indicate $1.3 trillion benefit possible
2012 EBRI research indicates that a 50% reduction in cashout leakage could result in an incremental $1.3 trillion in retirement savings, over 10 years.
401(k) Plans in Living Color: The Ariel/Aon Hewitt Study
A study of 401(k) savings disparities across racial and ethnic groups, clearly indicating that minorities are disproportionately impacted by cashout leakage.
2011 Aon Hewitt Leakage Study
A 2011 Aon Hewitt leakage study indicates high levels of cashout leakage in America's defined contribution plans.
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