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Retirement Clearinghouse (RCH) is an innovator in the retirement services industry, developing and introducing industry best practices that are moving retirement forward by delivering retirement portability for millions of job-changing Americans. RCH is proud to showcase our thought leadership, as well as other public policy makers and industry leaders whose positions are consistent with our own views and practices.
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.
CRR Offers Retirement Policy Suggestions to the DOL
PLANSPONSOR’s Rebecca Moore examines the Center for Retirement Research’s (CRR) report “An Analysis of Retirement Models to Improve Portability and Coverage,” presented to the Department of Labor in February 2018. One of the report’s key recommendations includes the establishment of a clearinghouse to automatically move small balances forward, a framework now widely-known as auto portability.
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.
LIMRA's Money In Motion Study Highlights State of Roll-Ins
LIMRA Secure Retirement Institute issues their "Money In Motion" study, highlighting retirement savings flows, including the low levels of defined contribution transfers.