Menu
- News
- Press Releases
- Thought Leadership
- Consolidation Corner
- 401k Consolidation
- Auto Enrollment
- Auto Portability
- Automatic Rollovers
- Cashout Leakage
- Cybersecurity
- DEI, ESG & Social Responsibility
- ERISA Advisory Council
- Lifetime Plan Participation
- Managed Portability
- Missing Participants
- Mandatory Distributions
- Mobile Workforce
- Plan Termination
- Portability Services Network
- Public Policy
- Retirement Income
- Retirement Plan Portability
- Retirement Research
- Roll-In
- Safe Harbor IRA
- Saver's Match
- Uncashed Checks
- Events
Thought Leadership
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.
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.
New EBRI Research Establishes Auto Portability as Leading Public Policy Initiative
With new research showing that Auto Portability has $2 trillion (present value) of potential benefits to America's retirement savers, EBRI research firmly establishes Auto Portability as a leading retirement public policy initiative. Get the research today.
Northern Trust Research: The $10,000 Hurdle
In March 2017, Northern Trust's Sabrina Bailey and Gaobo Pang released the study "The $10,000 Hurdle" which examines the much-improved outcomes that participants experience as their 401(k) accounts cross a $10,000 balance threshold. Bailey and Pang provide empirical evidence for the existence of the threshold, speculate about the behavioral dynamics at work, and finally, suggest means to accelerate asset accumulation, so that the threshold can be crossed earlier.
How Auto Portability Works - Infographic
Infographic providing basic information about the key processes that drive Auto Portability.
1916 Ayrsley Town Boulevard