MARCH 5, 2026 – Retirement Clearinghouse (RCH) today announced the release of a landmark whitepaper, Building Out Clearinghouse Services for the U.S. Retirement System: A Blueprint for a Digital Infrastructure. Authored by Spencer Williams, Thomas Hawkins, and Dr. Ricki Ingalls, the paper presents the most comprehensive framework to date for modernizing America’s fragmented retirement ecosystem.

The whitepaper details how a neutral, digital clearinghouse – modeled on the proven Auto Portability Network – can systematically reduce cash‑outs, shrink the number of stranded and inactive accounts, and enable seamless interoperability across recordkeepers, custodians, IRAs, and government programs. The paper outlines the architecture, governance, and operational foundations for four major network services: the Auto Portability Network, Saver’s Match Network, Auto Locate Network, and Digital Rollover Network.

As policymakers, recordkeepers, and plan sponsors prepare for unprecedented system demands – including the rollout of the Saver’s Match in 2027 – the whitepaper demonstrates how “build once, use many times” infrastructure can reduce leakage, improve equity, and strengthen long‑term retirement outcomes for millions of American workers.

The findings underscore a clear call to action: that industry leaders and public agencies should collaborate around a shared, interoperable backbone capable of supporting the next generation of retirement policy and operational innovation.

The whitepaper Building Out Clearinghouse Services for the U.S. Retirement System: A Blueprint for a Digital Infrastructure can be downloaded here.

Media Contact:
JConnelly for Retirement Clearinghouse
Laura Simpson
(973) 713-8834
rch@jconnelly.com

About Retirement Clearinghouse
Retirement Clearinghouse, LLC is the leading provider of portability and consolidation services for defined contribution plans, acting as a trusted, unbiased intermediary between plan sponsors, participants, recordkeepers and other parties. Retirement Clearinghouse’s integrated financial technology, data and information solutions facilitate automated consolidation of small, redundant accounts for sponsors to improve plan performance, and enable participants, regardless of account balance, to seamlessly transport their retirement savings through every phase of their careers. These solutions include a domestic call center providing specialized assistance designed to enable end-to-end portability and account consolidation; uncashed check services; and the capability to search for lost and missing participants.


Retirement Clearinghouse works with more than 41,000 retirement plans and has helped guide over 2.8 million plan participants with more than $34 billion in retirement savings. Retirement Clearinghouse is a portfolio company of The RLJ Companies, founded by Robert L. Johnson. For more information, please visit www.rch1.com.

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