This discussion is all well and good and the information given is good.
However, this concern is:
1. Most employers and their representatives do not know what a SPD is and do not distribute it to their employees as ERISA law demands. They probably are not even familiar with it so an employee who uses a SPD might fight an ardous battle with their HR department. As a result, the employees/public are not informed on their SPDs or the importance of the document.
2. Alot of SPDs, like alot of law documents, are dense and incomprehensible, writers should definitely make it more 'user-friendly' but as someone who has read alot of SPDs, I don't see that happening..
Just some comments.
