"[P]articipants have an extremely short attention span today, and only focus on information provided with respect to the retirement program when required to make elections or upon an event in their lives, such as a pending retirement, hardship or change in career.... Therefore, it is important to regularly remind participants where they can go to get additional information on the retirement program.... [N]otices should be very short with 'sound bite' approaches taken to communicate information.... [M]ultiple mediums are required in order for the program to be effective ... In a similar manner to that used to communicate model notices to participants, sponsors prefer short succinct summaries of programs that might be appropriate for them to consider.... Educational efforts must ... focus on providing factual information versus one-sided discussions."

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