"51% of brokers said voluntary products generate more than half of their sales revenue. Plaintiffs' law firms are connecting the dots between incentives, misuse of plan access and conflicted advice.... Voluntary benefits themselves are not the problem -- the incentives are.... [E]mployers should treat any recommendation, product access or employee interaction as an area requiring thoughtful, documented fiduciary oversight -- especially when employees are making decisions influenced by those recommendations."  MORE >>