When to amend Wrap Plan that is non specific

[TPApril]

Wrap plan document incorporates all benefits offered by employer which are subject to ERISA. It never references any benefit type or provider, all of which are mentioned in the SPD.

If Employer makes a change in benefits, when is it subject to a plan amendment & SMM if there is no actual change to be made to the Wrap Plan Document?

Sample situations are:

• Change in carrier
• Removal of benefit
• Change of benefit from ER sponsored to voluntary
• Change in portion paid for by ER

The SPD will need to be updated for any of these.