RCH Thought Leadership

Read about RCH's thought leadership positions, including Auto Portability.


Aug
16
2018

A Tale of Two 401(k) Balance Segments

RCH's Tom Hawkins reveals new research that predicts 401(k) participant outcomes following separation for two balance segments – those above & below $15,000. Using logic developed in the Auto Portability Simulation to track & tally participant outcomes 8 years following separation, the results reveal a startling contrast between the two segments – with participants in the over-$15,000 segment experiencing far-superior outcomes to those in the under-$15,000 segment. To address the disparities, Hawkins advocates for a new “automatic” in the form of auto portability.

Jul
25
2018

401(k) Truth Bomb: Missing Participants are Bad, 401(k) Cashouts Are Worse

It may surprise many to learn that there’s another problem that’s orders-of-magnitude worse, which silently devastates millions of Americans’ prospects for a timely or comfortable retirement every year. I’m referring to 401(k) cashouts, and it’s time we took serious action to address them head-on.

Mar
13
2018

PRESS RELEASE - First-of-its-Kind Survey Sheds New Light on Missing Participant Problem

Boston Research Technologies and Retirement Clearinghouse have issued a joint press release announcing the key findings from a first-of-its-kind survey examining the retirement industry’s missing participant problem. The survey is the first to examine the problem from the perspective of the participant, offering unique insights into its various dimensions.

Feb
13
2018

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.

Jan
31
2018

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.

Nov
06
2017

Boston Research Technologies Releases White Paper on Key Findings from Initial Launch of Auto Portability

Boston Research Technologies (BRT) studied the first 4 months of the initial launch of RCH Auto Portability with a large plan sponsor in the healthcare industry and documented the key findings.

Sep
26
2017

New Research Points to "Explosion" of Small 401(k) Accounts

New research indicates that a collective small account “explosion” has been underway for the past 10 years, with important implications for plan sponsors, participants and for retirement savings public policy.

Jan
20
2017

Auto Portability Simulation Infographic

Infographic providing the key results of the Auto Portability Simulation.

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