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Auto Portability - Supporting Research

The foundation for auto portability is built upon industry research conducted by a wide variety of parties over almost ten years, all pointing to the benefits of moving retirement savings forward.

Oct
25
2016

New Research Suggests Auto Portability Will Boost Auto Enrollment

When it comes to the 401(k) plan feature known as automatic enrollment, most industry observers seem to agree that it’s a good thing.

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May
20
2016

Auto Portability Simulation Model Unveiled at 78th EBRI Policy Forum

On May 12th, Retirement Clearinghouse President & CEO J. Spencer Williams unveiled the Auto Portability Simulation (APS) at the Employee Benefit Research Institute's 78th Policy Forum. The APS was developed by Retirement Clearinghouse in conjunction with Dr. Ricki Ingalls, Chair of Computer Information Systems at Texas State University, and Principal at Diamond Head Associates, Inc.

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Feb
03
2016

DCIIA Research Brief Highlights Leakage, Cites RCH / Boston Research Data


A February 2016 DCIIA Research Brief points to leakage as undermining retirement savings, citing the RCH / Boston Research Technologies Mobile Workforce Study.

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Jan
04
2016

Auto Enrollment: The Unintended Consequences, Part II (Research)

In his December 1, 2015 article (The unintended consequence of 401(k) auto-enrollment), RCH CEO Spencer Williams exposes the linkage between auto enrollment and lower average account balances. Based on Form 5500 data, Williams' analysis presents some excellent examples of industries where average balances are significantly lower in plans that have adopted auto enrollment compared to plans that have not. RCH's Tom Hawkins follows up that article with his own analysis, extending Williams' earlier work.

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May
28
2015

Portability and the Mobile Work Force Webcast Recap

In conjunction with Boston Research Technologies, Retirement Clearinghouse (RCH) announced the findings of a groundbreaking research study on America's mobile workforce, providing insights into participant behaviors regarding retirement savings portability. The study offers plan sponsors with strategies to stem cashouts and to improve retirement outcomes.

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Feb
10
2015

Boston College Research: The Impact of Leakages on 401(k)/IRA Assets

A February 2015 Center for Retirement Research at Boston College analysis of the impact of leakages on retirement assets.

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Nov
03
2014

401(k) Plans: Greater Protections Needed for Forced Transfers and Inactive Accounts

The GAO's 2014 report to Congress examined “forced transfers” and inactive accounts, concluding that greater protections are required. The report cited a “clearinghouse” as a means of achieving a “money follows the participant” objective.

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Jun
03
2013

Vanguard Research Shows Impact of 401(k) Leakage

The 2013 Vanguard study "How America Saves 2013" provided an important view into the cashout behaviors of a large portion of America's 401(k) savers and helps form the foundation of research that supports the need for retirement savings portability, and for auto portability in particular.

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