"Many employers, by handing off plan administration to an insurer or other third-party administrator -- arrangements usually handled by their insurance broker, assume they have what amounts to a 'turnkey' plan, and that mundane plan chores, such as responding to participant document requests, are not any concern of theirs. Members of the ERISA plaintiff's bar are well aware of this dangerous complacency among many uninformed employers and are ready, willing, and able to take advantage of it."

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