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Retirement Clearinghouse in the News
Find news articles referencing RCH and our services, including Auto Portability
Employees Cash Out 401(k)s in Record Numbers
In her 2/14/18 article, Workforce Magazine's Patty Kujawa examines the ongoing dilemma of 401(k) cashout leakage, quoting RCH's Spencer Williams as well as Keith Overly, Executive Director of the state of Ohio's defined contribution plan. Both agree that cashouts are a big problem and emphasize different aspects of its prevention, with Williams focusing on measures that make it easier to move retirement savings forward when participants change jobs.
Why We Urgently Need A ‘Sustainable’ 401k Defined Contribution System
In his latest article in 401k Specialist, RCH's Tom Hawkins makes the case for creating a 'sustainable' 401(k) defined contribution system. According to Hawkins, the current 401(k) system is unsustainable due to 1) rampant cashout leakage, 2) an explosion of small-balance accounts and 3) a surge in missing participants. Auto portability, says Hawkins, can address these problems and bring sustainability to our defined contribution system.
RCH in BenefitsPRO: Why CSIRTs are crucial to cybersecurity in the financial industry
In his latest article in BenefitsPRO, RCH Chief Information Officer Mike Goode addresses the critical importance of the Computer Security Incident Response Team, or CSIRT, and advocates for increases coordination of CSIRT teams in the retirement industry.
2 Important Retirement Plan Initiatives Moving Forward
With "Rothification" in the rear-view mirror in 2017, retirement savings policymakers have begun turning their attention to other, more-promising initiatives in 2018 -- namely, auto portability and missing participants.
3 ways employers can make their retirement plan more attractive in 2018
In his latest article in Employee Benefit News, RCH President & CEO Spencer Williams offers plan sponsors 3 crucial resolutions for 2018, including: 1) ending automatic cash-outs, 2) offering roll-ins as part of a financial wellness program, and 3) engaging all participants on crucial decision-making.
Could this simple proposal help boost retirement savings?
In his 1/8/18 article in the Journal of Accountancy, Lou Carlozo examines auto portability, which has the potential to "impact the retirement plans of millions for the better." Carlozo details the progress auto portability is making with the Department of Labor, referencing the July 2017 letter from Senate Republicans. Carlozo extensively quotes RCH President & CEO Spencer Williams, as well as other industry experts, on the positive outlook for auto portability and its potential for solving the 401(k) "leakage" problem.
401k Specialist: Why Auto Portability Makes Everything Better
Great all by itself, auto portability also makes other retirement savings public policy initiatives a lot better.
A blueprint for reuniting orphaned 401(k) accounts with their owners
In his latest article for Employee Benefit News, RCH President and CEO Spencer Williams describes a blueprint that’s already been established for implementing a best practice default retirement plan feature, such as auto enrollment. The blueprint Williams describes includes obtaining behavioral research confirmation, guidance from Washington, and commercial implementation – a blueprint currently being followed for auto portability.