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The DOL and other agencies should improve their efforts to educate plan members about their rights.
Remedies under ERISA should be improved so employees can recover all losses due to ERISA violations.
Where ERISA preempts state law and deprives individuals of rights and remedies available under state law, ER
Information about public-benefit programs should be shortened and simplified. This includes application forms, procedures, and program notices.
Comprehensive reporting and disclosure requirements must be maintained and enforced.
Executives and employees should have the same rights and obligations regarding their employer’s stock.
Plan sponsors and fiduciaries should ensure that individual account fees are reasonable.
Tax-preferenced retirement savings accounts, which receive a tax subsidy to provide retirement security, should exclude new types of unregulated investment products.
Fiduciary responsibility to plan participants must be steadfastly maintained.
Americans’ retirement income comes from several sources. For most, Social Security income is the foundation of financial security in retirement.