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Auto Portability blog posts
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.
Say What? The Arcane Lingo of Retirement Savings Portability
In virtually any area of specialty, a unique jargon evolves that is highly-specific to that field. To insiders using the lingo every day, it seems familiar and perfectly normal. To outside observers, it can feel like a foreign language -- with words, terms and acronyms that make no sense.
For Earth Day: Consider How "Recycling" Could Apply to Our Retirement System
As we observe the 46th annual Earth Day this April 22nd, we appreciate the awareness that this event has brought to the need to protect our environment, the urgency that it is instilled in all of us, and the tangible results that have been achieved in so many important areas. Although we have much work to do, we have clearly come a long way since the "throwaway" culture that emerged following World War II.
Five Common Misconceptions About Automatic Rollovers
Automatic rollover programs allow plan sponsors to force out of their plan separated participants with balances less than $5,000 into a Safe Harbor IRA. These programs can be quite effective at helping sponsors resolve many of the problems associated with housing small-balance accounts in-plan, such as...
The Fiduciary Rule and Participant Transition Management
Any day now, the Department of Labor will issue the final version of the long-awaited Fiduciary Rule which will redefine the term "fiduciary" under ERISA. Much has been written about the impact on advisors and broker-dealers, given their service models to retirement plans.
America’s Modern Throwaway – 401(k) Retirement Savings
When trying to shape our future, it is often helpful to understand our past.
Small Balance Cash-Outs: The Easy Choice Is Not The Right One
In a previous blog post, we asked, "Why dump mandatory distributions in a landfill when you can recycle?" As we wrote then, sponsors exercising their authority to automatically roll over separated participants' small balances into safe harbor IRAs' without encouraging participants to take their retirement account savings with them at the point of job change, or facilitating "auto portability" to make plan-to-plan asset transfers a seamless process' are doing themselves and their participants a disservice in the long run.
Washington Recognizes Need for Retirement Plan Portability Solutions
Clearly, Washington DC is now "getting it" when it comes to retirement plan portability. In November 2015, Senator Patty Murray and other influential members of Congress delivered a letter to Department of Labor Secretary Perez urging action on Auto Portability. Now, we have strong comments from President Obama in his final State Of The Union address on the need for more portable retirement savings.
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