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RCH Thought Leadership
Read about RCH's thought leadership positions, including Auto Portability.
Pairing 401(k) Savings Preservation and Expanded Access for America’s Minorities
In this article, RCH's Spencer Williams and Tom Hawkins address an important retirement public policy question: How would a pairing of auto portability with open multiple employer plans (or “open MEPs”) impact the retirement savings of America’s minorities, and particularly, African-Americans?
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.
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.
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.
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.
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.
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.
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