"[Vanguard announced] that it hired Retirement Clearinghouse (RCH) to make it radically easier for a 401(k) plan participant to pack up their pension assets with their lunchbox and pocket calculator in a job switch.... Vanguard's buy-in came after RCH establish a modest track record by consolidating more than 290,000 retirement accounts with more than $10 billion in assets into existing 401(k) or IRA accounts."