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Eliminating Friction and Leaks in America's Defined Contribution Retirement Plan System (PDF)
Boston Research Group 
Apr. 25, 2013
"A utility that facilitates the movement of participant savings from a DC plan to other retirement savings vehicles, particularly other 401(k) plans, is a proven, 'in plan' solution to the system's friction and leakage challenges.... [and is] a utility of this nature that involves programs supporting participant decision-making at job change results in better outcomes for all parties. Implemented system-wide by plan sponsors and recordkeepers, such a utility would eliminate systemic breakdowns[.]"
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