"A committee charter serves to identify the governance process of the committee and the roles and responsibilities of its members. It also provides a formal document for the named fiduciaries of the plan, and other fiduciaries by function (e.g., the Board of Trustees/Directors), to delegate certain fiduciary functions to the committee.... [A] well-drafted committee charter is often an important part of a prudent fiduciary due diligence and risk management process."