"The complaints show consultants earning 22% to nearly 40% of premiums, far above the typical 10% industry standard.... When only 25-35 cents of every premium dollar goes to paying claims, with the rest consumed by commissions and administrative costs, the math simply doesn't support fiduciary prudence.... What plan sponsors should do: ... [1] Request complete disclosures ... [2] Audit voluntary benefits ... [3] Document fiduciary oversight ... [4] Restructure conflicted relationships."  MORE >>