Media Coverage

Congress Ought to Allow Roth IRA Rollovers

Kelsey Mayo, writing in ASPPA Net, identifies her top reasons why Congress should allow Roth IRA-to-401(k) Rollovers, as provided for in The Retirement Rollover Flexibility Act, proposed legislation that was introduced in early December, 2025 by Sens. Barrasso and Bennet, along with Reps. LaHood and Sánchez. One of Mayo's top reasons for supporting the legislation is that, in the context of auto portability, "Roth money [can] get stuck in the Roth IRA — never making it to the new employer plan" and preventing the full "actualization" of auto-portability.

Reintroduced Bill Would Grant Roth IRA Rollovers

Writing in 401k Specialist, Amanda Umpierrez, Managing Editor, covers the reintroduction of a bill designed to allow savers to roll over Roth individual retirement accounts within the defined contribution system. Umpierrez outlines the essential elements of the bill, and quotes American Retirement Association (ARA) CEO Brian Graff, who states that the "Retirement Rollover Flexibility Act will reduce duplicative fees associated with maintaining multiple accounts, curb retirement savings leakage through seamless auto-portability."

ARA-Supported Bipartisan Bill to Permit Roth IRA Rollovers Reintroduced

Legislation that would allow retirement savers to roll over their Roth IRA savings into a Roth account within a workplace retirement plan was reintroduced on Dec. 4. The bipartisan, bicameral Retirement Rollover Flexibility Act — which the American Retirement Association (ARA) has endorsed — would amend the Internal Revenue Code to specifically allow the transfer of contributions from Roth IRA savings accounts into a Roth 401(k), Roth 403(b), or Roth 457(b). The legislation, notes the ARA and its legislative sponsors, specifically promotes expanded portability for Roth IRA savings, with ARA CEO Brian Graff stating that the bill would "curb retirement savings leakage through seamless auto-portability, and ensure workers can carry their Roth savings with them as they move through their careers."

Also featured in NAPA Net

2025: A Breakthrough Year for Portability

Writing in the Consolidation Corner blog, RCH’s Tom Hawkins looks back on 2025, when four important developments emerged related to the topic of retirement savings portability. Taken together, Hawkins asserts that these developments represent a “breakthrough year for portability” with a “clear pattern emerging – where retirement savings portability in general, and specifically – auto portability, will figure prominently in the drive for increased retirement security in 2026 and beyond.”

A trifecta of solutions to close the retirement-savings gap

Writing in Employee Benefit News, RCH President & CEO Spencer Williams addresses a “trifecta” of retirement savings public policy solutions – Trump Accounts, the Saver’s Match and Auto Portability – that he characterizes as “transformational” initiatives which, “taken together, have the potential to incentivize retirement-saving opportunities for small-balance plan participants, thus significantly shrinking the existing wealth gap.” Williams cites the trillions in benefits associated with the three initiatives which “can, finally, resolve our country’s wealth gap over time.”

7 New Stats on 401(k)s, IRAs: Fidelity

ThinkAdvisor's Michael Fischer reports on Fidelity's Q3 2025 report indicating that "average 401(k), IRA and 403(b) account balances reached new record highs in the third quarter." Another important finding in the report, writes Fischer, is "since October 2022, some 9,200 Fidelity 401(k) plans have adopted Auto Portability, resulting in $24 million in retirement savings preserved in the firm’s 401(k) plans." Fidelity is a founding owner-member of the Portability Services Network (PSN), dedicated to the widespread adoption of auto portability.

Amid An Affordability Crisis, Fidelity Says Americans Are Still Saving For Retirement

Financial Advisor Magazine covers Fidelity Investments' Q3 2025 retirement brief revealing that "consistent savings and positive stock market performance have driven the average balances in 401(k), IRA and 403(b) accounts to record levels in the third period." FA Mag's piece goes on to note that Fidelity "touted the rising popularity of its auto portability product for employees with small-balance retirement savings moving from one employer to another" -- referencing the rapidly increasing adoption of auto portability, as delivered via the Portability Services Network.

Fidelity Q3 2025 Retirement Trends Features Auto Portability Adoption

In Fidelity’s Q3 2025 quarterly analysis of savings behaviors and account balances for more than 52 million IRA, 401(k), and 403(b) retirement accounts, the firm reports significant growth in their defined contribution plan sponsor clients' adoption of auto portability, as delivered via the Portability Services Network (PSN), of which Fidelity is a founding owner-member. Fidelity reports that 9,200 plans representing 3.7 million active participants have elected to adopt auto portability thus far, figures that have received widespread and favorable coverage in retirement-focused media.