"EBSA's preference -- reflected in its regulations governing electronic delivery of retirement plan communications of many kinds -- requires that plan participants and beneficiaries affirmatively declare their willingness to receive notices, election requests, summaries and other information, electronically. Many ... believe EBSA should be more flexible and more in line with the rest of financial industry in this area. Given the inclination of many people to put off decision making, or to fail to take action simply out of inertia, it is likely that the lack of an election to receive communications electronically is not necessarily a rejection of that form of delivery."

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