- The Small Account Problem
- RCH Portability Services
- Plan Sponsor Support
- The Missing Participant Problem
- What is a Missing Participant?
- Why Plan Sponsors Should be Concerned
- What Causes Missing Participants?
- The Magnitude of the Problem
- What Regulations Apply to Missing Participants?
- Sources of Uncertainty for Plan Sponsors
- Best Practices for Finding Missing Participants
- What to Look For in a Search Service
- Learn More About Missing Participants
- RCH's Missing Participant Search Service
- Terminating 401(k) Plans
- Participant Testimonials
- Due Diligence Material
- Contact Us
Retirement Savings Portability Services
Retirement Clearinghouse (RCH) improves participant outcomes by facilitating retirement savings portability and consolidation. Our services deliver true portability to all of your plan's participants, with solutions that have been proven to boost plan success metrics.
If you are a plan sponsor or service provider interested in considering RCH's services, please visit the links below for more information.
RCH Auto Portability℠ is a complementary service to the RCH Automatic Rollover Service℠. RCH Auto Portability℠ systematically and automatically moves a Safe Harbor IRA or a prior employer plan balance forward to participant’s new active plan as they change jobs.
The RCH Automatic Rollover Service℠ is the most “fiduciary friendly” automatic rollover service in the market today. The RCH Automatic Rollover Service is the only automatic rollover service proven to reduce cash outs, to offer safe harbor IRA account holders with a beneficial monthly fee structure, and with a proven track record of consolidating former participants’ retirement savings into an active plan, or to an existing IRA.
RCH's Address Location Service℠ helps your plan find missing participants, fulfilling your fiduciary responsibility and reducing an administrative burden.
Combining technology, expert guidance and case management, the RCH Managed Portability Service℠ easily delivers true portability for your participants, increasing retirement readiness, while improving a broad range of plan metrics.
RCH solves the uncashed check problem through an automatic rollover to an RCH Safe Harbor IRA, established in the name of the participant or beneficiary. Participants with uncashed distributions receive an enhanced standard of care for an uncashed check program.
RCH delivers a comprehensive, one-stop, fully-integrated solution for terminating plans, including participant notifications, missing participant search services, Call Center services and Safe Harbor IRA.
A great place to start. This portability "briefing" describes the small account issue that plan sponsors face, and why the RCH program of portability is an essential element to improving plan metrics and retirement outcomes.