Excerpt: "Critics said the proposal had one major flaw: The disclosures would be to plan 'fiduciaries' -- employers -- and not employees, who typically bear the brunt of the overhead costs. 'It's clear that the rules are inadequate because they fail to require disclosure of fees and conflicts of interest to workers,' said Rep. George Miller (D-Calif.), chairman of the House Education and Labor Committee, who has proposed legislation that would mandate such disclosures."