"Employers should be prepared to turn over an NQTL comparative analysis to the government upon request. Employers with fully insured plans should contact the insurance company (if they have not already done so) to request a copy of the insurance company's NQTL comparative analysis. Employers with self-funded plans who have not yet conducted or arranged for an NQTL comparative analysis should begin the process of locating a vendor and should contact benefits counsel."  MORE >>