"ERISA class actions targeting voluntary benefits are on the rise. Plaintiffs allege employers and brokers breached fiduciary duties through self-dealing and excessive commissions. The strongest defense is proving ERISA doesn't apply. The DOL safe harbor exempts programs where the employer doesn't contribute, participate, or endorse beyond minimal involvement. Employers should take proactive steps now. Audit safe harbor compliance, document governance processes, and map all service provider compensation."  MORE >>