"ERIC suggests that the Commission incorporate the following ... modifications into the final rules: [1] Eliminate incentive limitations on wellness programs that qualify for an exemption from such limitations as 'participatory' programs' ... [2] Eliminate new notice requirements for wellness programs that are provided as part of group health plans ... [3] Eliminate the language in the proposed regulation that would prohibit the use of 'gateway' plan designs ... [4] Adopt an effective date no sooner than January 1, 2017 ... In addition, ERIC has identified ... four further compliance obstacles that were not included in the proposed regulations[.]"