Browsing Tag
Retirement Clearinghouse
97 posts
Retirement Clearinghouse (RCH) is a financial services company that helps workers seamlessly move and consolidate their retirement savings as they change jobs. The firm specializes in reducing retirement account “leakage” by automatically rolling over small balances into new employer plans or IRAs, making it easier for employees to preserve and grow their savings. RCH partners with employers, recordkeepers, and plan sponsors to simplify retirement portability, improve financial outcomes for workers, and support greater retirement security across the U.S.
One Simple Trick to Radically Boost Financial Wellness
How would you like to boost your participants’ financial wellness, increase plan assets, reduce plan costs and prevent missing participants?
New 401(k) Missing Participant Research Reinforces DOL Guidance
On Jan. 6, Retirement Clearinghouse (RCH) released a study that advances the art and science of locating missing…
3 New Year’s Resolutions for 401(k) Plan Sponsors
In January, Alight Solutions released 2020 Hot Topics in Retirement & Financial Wellbeing, a survey of 130 plan…
Far Out: What If Timothy Leary Was a 401(k) Plan Sponsor?
In the 1960s, counterculture guru Timothy Leary urged a generation to “turn on, tune in, and drop out.” …
How to Handle the Explosion of Small-Balance IRAs
Based on solid research, we’ve long known that typical automatic rollover IRAs result in high levels of cashout…
From Tired to Inspired: A Roadmap for 401(k) Roll-ins
As I wrote in a previous article, 401(k) automated portability is an idea whose time has come. To…
Automated 401(k) Portability: An Idea Whose Time Has Come
“Nothing is more powerful than an idea whose time has come,” French author and poet Victor Hugo observed.…
401(k) Plan Terminations Could Produce Wave of Leakage
During the COVID-19 crisis, massive job losses combined with economic hardship and relaxed restrictions on withdrawals have created…
Why ‘Sudden Money’ and Preserving 401(k) Assets Don’t Mix
Researchers realize that long-term retirement planning is not a natural act for most 401(k) plan participants. Consequently, important…
The ‘Tragicomedy’ of 401(k) Cashout Leakage
Cashout leakage, which occurs when participants change jobs and prematurely withdraw their retirement savings prior to normal retirement…