"The settlement document contained many provisions that will take effect during a four-year settlement period, including the removal of D.L. Davis and related entities from the employee benefit plans; a review of all current investment options; and the prohibition against offering 'any MassMutual investments in the plans or any other investment that provides compensation to Davis and related entities.'... The agreement also called for the hiring of an independent investment consultant to examine the investment options; an annual review by the consultant of plan management; and issuing RFPs for record keeping, investment consulting and participant education."