"These rules are only proposed and they have no current effect. Moreover, the proposal suggests that the new requirements would not go into effect until 12 months after the DOL issues final regulations.... There is a 90-day comment period, but, in addition, the DOL will be conducting focus groups to determine how and to what extent plan fiduciaries are using the information from fee disclosures. The DOL says they may reopen comments on these proposed regulations after the focus groups are done and analyzed."