"It is sadly rare to find a client that will read through service agreements and contracts word for word -- but upon examination of just this one agreement [the author is] overwhelmed at the number of 'the Client represents' and 'the Client acknowledges' and 'the Client agrees.' ... [M]any signers really do not fully comprehend the ramifications of the ERISA plan service agreements they execute with vendors. And that's dangerous because if anything goes wrong, it is on the 'Client.' "