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January 28, 2008

Here are the Web's best new links about compliance and cost aspects of plan operation, design and policy.


Today's sponsor is www.ftwilliam.com

(Click on company name or banner to learn more.)
Banner ad for www.ftwilliam.com

Ftwilliam.com has added a Transportation Spending Account Plan (IRC 132(f)) to our list of high quality plan documents.

This new plan provides a substantial benefit to employees, allowing purchases of qualified transportation spending expenses pre-tax. The plan also includes wage deferral agreement forms, reimbursement forms (when applicable) and a summary plan description for employees.

Contact Holly Roussel with questions at 800.596.0714 or via email at sales@ftwilliam.com.


[Guidance Overview] Former NFL Player Wins Disability Claim
Excerpt: "Like any other employer sponsored disability plan, the NFL's plan is covered by ERISA. Because the Plan grants the Board the discretion to decide claims and interpret the plan, its decisions are usually upheld unless they are arbitrary and capricious. In this case, the Board used a physician's date of examination to fix the date of disability onset but ignored evidence in the report that the disability extended back at least eight months before the exam. The court held that such decision-making was an abuse of discretion." (For Your Benefit blog)

[Guidance Overview] Laws Don't Speak to Non-English COBRA Notice Requirement
Excerpt: "You have a multilingual workforce. Must you provide COBRA notices in languages other than English?" (CCH Incorporated)

[Guidance Overview] Transparency and Generics Utilization Key Components to Effective PBM Relationship
Excerpt: "[S]ome benefits analysts and executives advise employers to not only push for explicit contractual language on pass-through pricing, but also to support drug benefit designs that focus on multi-tiered formularies, innovative cost sharing and generic drug utilization." (Employee Benefit News; free registration required)

[Guidance Overview] U.S. Appeals Court Permits Temporary Enforcement of San Francisco County's Employer Health Benefits Play or Pay Requirement
Excerpt: "San Francisco can temporarily enforce its newly-adopted ordinance requiring employers of twenty or more employees to either provide employees with health care at various 'health care expenditure rates' or pay a fee to the city, under a temporary stay issued by the U.S. Court of Appeals. ____________ v. City and County of San Francisco, No. 07-17370 (9th Cir., January 9, 2008). The fees would be based on the size and income source of the employer." (Deloitte via BenefitsLink.com)

[Guidance Overview] DOL Closes Wellness Plan Loophole in HIPAA Nondiscrimination Rules
Excerpt: "The requirement that the supplemental coverage not differentiate among individuals based on any health factor is key. Effectively, DOL is saying it will not treat supplemental coverage as a HIPAA excepted benefit that is exempt from the HIPAA nondiscrimination rules unless the supplemental coverage itself satisfies the HIPAA nondiscrimination rules. Thus, tying the wellness plan reward to the supplemental coverage will prevent such coverage from being a HIPAA excepted benefit -- and the wellness plan will have to satisfy the HIPAA nondiscrimination rules." (Deloitte via BenefitsLink.com)

[Guidance Overview] IRS Provides Guidance on Determining Whether a Child Is a Qualifying Relative Under Code Section 152
Excerpt: "EBIA Comment: While not mentioned in the notice, this guidance may also affect employer-provided benefits. In order for a child to receive tax-free employer-provided health coverage, the child generally must meet most (but not all) of the requirements to be an employee's qualifying child or qualifying relative. The 'not anyone's qualifying child' test has caused consternation for employers who, before WFTRA, would provide tax-free health coverage to unrelated children living with employees (e.g., children of dependent domestic partners). This guidance has the potential to allow some unrelated children to receive such coverage when the requirements of the notice are met." (Employee Benefits Institute of America)

[Guidance Overview] Court Remands Claim Because Denial Letter Did Not Tell Participant How to Perfect Claim
Excerpt: "EBIA Comment: The Ninth Circuit's opinion in this case offers a lesson in what not to do. It includes a paragraph-by-paragraph review of the insurer's appeal denial letter, which the Ninth Circuit characterized as unintelligible, self-contradictory, unhelpful, and -- when viewed collectively with the insurer's other communications -- falling short of the 'meaningful dialogue' called for under ERISA's full and fair review requirement." (Employee Benefits Institute of America)

[Guidance Overview] ERISA Penalties Assessed Against Plan Committee That Delayed Producing Documents Upon Request
Excerpt: "EBIA Comment: The DOL claims procedure regulations specifically require that a claimant be informed that he or she is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records, and other information relevant to the claimant's claim for benefits. As this case illustrates, failure to comply with this requirement can be costly." (Employee Benefits Institute of America)

Colorado's Fair Share Health Care Initiative Would Require Insurance Coverage
Excerpt: "Companies that employ more than 20 people would be required to provide health insurance coverage to their employees under a proposed initiative that proponents hope to place on the November election ballot." (Denver Business Journal via bizjournals.com; free registration required)

Creating Corporate Culture of Health Has Long-Term Benefits - Costs a Lot of Money to Implement
Excerpt: "How do you document a return-on-investment from your wellness programs? It's not easy, but a number of companies say they've done it. For a growing number of human resource and benefits executives, wellness is not just about better health. It's about money saved because employees do not get major diseases and illnesses." (Human Resource Executive Online)

Medical Publisher Launches Beta Health Wiki
Excerpt: "Science, technical and medical publisher Elsevier's WiserWiki, a clinical health information wiki created by board-certified doctors, could be a big factor in helping consumers overcome their distrust of online health information. WiserWiki, launched in November 2007 and currently in beta, is like other wikis in that it allows users to create and power a collaborative, community Web site that is populated with information contributed by community members." (eWeek.com)

California Governor's Plan for Health Care in Trouble
Excerpt: "[A] Senate health committee is expected to vote against Mr. Schwarzenegger's widely promoted and potentially legacy-defining bill on universal health care. A 'no' vote would effectively kill the bill, which would also need voter approval to become law." (The New York Times; free registration required)

Health Care Ideas Had Few Allies in Congress
Excerpt: "[Administration officials fell] short in their efforts to sell the idea to key lawmakers, failing even to get a committee hearing. The idea -- replacing a tax break for employer-provided health coverage with a new $15,000 tax deduction for families and $7,500 for individuals, regardless of where they buy insurance -- would have been a major change in both the tax code and the health-care system, difficult to achieve under the best of political circumstances." (The Washington Post; free registration required)

Wall Street Journal Examines Democratic Presidential Candidates' Plans and the 'Ghost' of Single-Payer
Excerpt: "'Democrats backing universal health care long favored a single-payer system,' and, although most Democratic presidential candidates have announced proposals to expand health insurance to all U.S. residents by 'building on the employer-based system,' the 'ghost of single-payer past looms large,' the Wall Street Journal reports." (Kaiser Family Foundation)

The Implementation of GASB 45 - Case Studies of 15 Counties
62 pages. Excerpt: "Once a government learns its OPEB liabilities from the actuarial valuation, the government needs to develop an approach to complying with GASB 45. To help governments think about what would work best for them, the report discusses components of an implementation plan, including the implementation philosophies a government should consider, the types of persons that need to consulted in implementation and timing for implementation." (National Association of Counties)

Counties Choose to Amend OPEB Policies in Response to GASB 45
Excerpt: "A report from the National Association of Counties (NACo) provides brief overviews on the major issues surrounding Governmental Accounting Standards Board (GASB) statement 45 and profiles 15 counties from across the country that are in the midst of GASB 45 implementation." (PLANSPONSOR.com; free registration required)

More Hitting Cost Limit on Health Benefits - Consumers Forced To Explore Options
Excerpt: "Those who need organ transplants or who have hemophilia, Gaucher disease or other costly chronic illnesses can easily rack up medical bills that blow through the lifetime benefits cap of $1 million or more that is a standard part of many insurance policies." (The Washington Post; free registration required)

Labor Department Proposes Regulations To Address Concerns About Family Medical Leave Act Abuses
Excerpt: "The proposed regulations would require employees to request FMLA leave in advance. Currently, employees in most cases can miss work for two days before they must request FMLA leave. Victoria Lipnic, assistant labor secretary for employment standards at DOL, said the proposed regulations would not limit the definition of serious health conditions under FMLA, as some employers have proposed. She said that DOL lacks the authority to limit the definition." (Kaiser Family Foundation)

Moms Bond with Their Babies As They Wear Them, Even to Work
Excerpt: "The arrangement is facilitated by a very mom-friendly breast-feeding policy . . . . [T]he Ohio Department of Health has, since 2003, promoted breast-feeding friendly workplace policies. In developing a policy for their office, Brook and the staff worked together to establish one that allowed mothers to bring their breast-fed babies to the job." (The Star Beacon)

[Opinion] What Became of Your New Year's Raise?
Excerpt: "The average American worker's wages rose by $2,975 from 2000 to 2005 . . . . The primary reason that workers don't feel richer is they see just a fraction of that wage increase in their take-home pay. Of that $2,975, the average worker received just $879 -- 29% -- of their pay increase in actual cash wages over the five-year period. . . . Where did the rest of it go . . . . Most of it was . . . in paycheck deductions [going] to higher payments for job-based health insurance and pension contributions, both of which are deducted directly from workers' paychecks." (Investor's Business Daily)


Links to Items on Executive Comp, Benefits in General

[Opinion] Vanguard Economist on the U.S. Outlook for 2008
Excerpt: "In two multimedia presentations -- an 8-1/2-minute video and an audiocast -- Joseph Davis, Ph.D., a principal and economist for Vanguard's Investment Counseling & Research and Fixed Income Groups, takes a hard look at what may be in store for the U.S. economy in 2008." (The Vanguard Group)

[Guidance Overview] Employee Benefits as of January 24, 2008 (PDF)
5 pages. This edition includes: A Look at ERISA Litigation: Preemption of San Francisco's Health Reform Law; Qualified Plan Queries: IRS Informally Indicates No Redlining of Plans Required for Cycle B Submissions; EEOC Regulations Resolving the Erie County Issue; Exec Comp Corner: SEC Comments on Year 1 Compensation Disclosures; and, Payroll Tax & Fringe Benefit Pointers: Reporting Settlement Payments to Claimants and Their Law Firms. (Miller & Chevalier Chartered)

Moms Bond with Their Babies As They Wear Them, Even to Work
Excerpt: "The arrangement is facilitated by a very mom-friendly breast-feeding policy . . . . [T]he Ohio Department of Health has, since 2003, promoted breast-feeding friendly workplace policies. In developing a policy for their office, Brook and the staff worked together to establish one that allowed mothers to bring their breast-fed babies to the job." (The Star Beacon)

When Pay Isn't Enough to Keep Workers
Excerpt: "As most employees know, a big paycheck is great. But good benefits can be an even bigger draw, adding thousands of dollars to a worker's compensation package. In South Florida, where the cost of living is high, employers are making efforts to keep their stars happy and offer the perks workers care about." (Miami Herald)

Some Good News for Unions in 2007
Excerpt: "The Bureau of Labor Statistics (BLS) is reporting a rise in union membership: In 2007, the number of workers belonging to a union rose by 311,000 to 15.7 million, the U.S. Department of Labor's Bureau of Labor Statistics reported today. Union members accounted for 12.1 percent of employed wage and salary workers, essentially unchanged from 12.0 percent in 2006. In 1983, the first year for which comparable union data are available, the union membership rate was 20.1 percent." (Workplace Prof Blog)

Tough Regulations Won't Derail Appeal of Executive Deferred Compensation
Excerpt: "Despite the Internal Revenue Service's final ruling last year on Section 409A, which changes the way non-qualified deferred-compensation plans are governed, an overwhelming majority of companies say they will continue to offer these retirement benefits to their top executives." (Financial Week; free registration required)

Workforce Trends - An AARP Study of Employers and Workers in Puerto Rico
Excerpt: "Two AARP surveys in Puerto Rico suggest that to prevent a labor shortage within their companies, employers in Puerto Rico need to address the retaining and recruiting of older employees." (AARP)

Labor Department Proposes Regulations To Address Concerns About Family Medical Leave Act Abuses
Excerpt: "The proposed regulations would require employees to request FMLA leave in advance. Currently, employees in most cases can miss work for two days before they must request FMLA leave. Victoria Lipnic, assistant labor secretary for employment standards at DOL, said the proposed regulations would not limit the definition of serious health conditions under FMLA, as some employers have proposed. She said that DOL lacks the authority to limit the definition." (Kaiser Family Foundation)

Ford To Offer Employees Buyouts and Early Retirement Packages
Excerpt: "Ford Motor [this past] Thursday announced it will offer buyout and early retirement packages to its hourly workers as part of a restructuring plan to bring in new workers that will receive lower pay and benefits, the AP/Richmond Times-Dispatch reports. The new wage system was established during last year's contract negotiations with United Auto Workers . . . ." (Kaiser Family Foundation)


Newly Posted Events
(Post Yours!)

2008 Midwinter Tour: Beyond the Essentials
in District of Columbia on February 6, 2008
presented by BISYS Retirement Services

2008 Midwinter Tour: Beyond the Essentials
in Kentucky on February 6, 2008
presented by BISYS Retirement Services

2008 Midwinter Tour: Beyond the Essentials
in Maryland on February 8, 2008
presented by BISYS Retirement Services

2008 Midwinter Tour: Beyond the Essentials
in Tennessee on February 8, 2008
presented by BISYS Retirement Services

2008 Midwinter Tour: Beyond the Essentials
in Pennsylvania on February 13, 2008
presented by BISYS Retirement Services

2008 Midwinter Tour: Beyond the Essentials
in Oklahoma on February 13, 2008
presented by BISYS Retirement Services

2008 Midwinter Tour: Beyond the Essentials
in Massachusetts on February 15, 2008
presented by BISYS Retirement Services

2008 Midwinter Tour: Beyond the Essentials
in Texas on February 15, 2008
presented by BISYS Retirement Services

2008 Midwinter Tour: Beyond the Essentials
in Wisconsin on February 27, 2008
presented by BISYS Retirement Services

2008 Midwinter Tour: Beyond the Essentials
in Wisconsin on February 29, 2008
presented by BISYS Retirement Services

2008 Midwinter Tour: IRA Essentials
in District of Columbia on February 5, 2008
presented by BISYS Retirement Services

2008 Midwinter Tour: IRA Essentials
in Kentucky on February 5, 2008
presented by BISYS Retirement Services

2008 Midwinter Tour: IRA Essentials
in Maryland on February 7, 2008
presented by BISYS Retirement Services

2008 Midwinter Tour: IRA Essentials
in Tennessee on February 7, 2008
presented by BISYS Retirement Services

2008 Midwinter Tour: IRA Essentials
in Oklahoma on February 12, 2008
presented by BISYS Retirement Services

2008 Midwinter Tour: IRA Essentials
in Pennsylvania on February 12, 2008
presented by BISYS Retirement Services

2008 Midwinter Tour: IRA Essentials
in Massachusetts on February 14, 2008
presented by BISYS Retirement Services

2008 Midwinter Tour: IRA Essentials
in Texas on February 14, 2008
presented by BISYS Retirement Services

2008 Midwinter Tour: IRA Essentials
in Wisconsin on February 26, 2008
presented by BISYS Retirement Services

2008 Midwinter Tour: IRA Essentials
in Wisconsin on February 28, 2008
presented by BISYS Retirement Services

2008 Web/Telephone Seminar: Amending & Restating QPs for EGTRRA
Nationwide on February 21, 2008
presented by BISYS Retirement Services

2008 Web/Telephone Seminar: Conducting Your Own Compliance Audit
Nationwide on February 19, 2008
presented by BISYS Retirement Services

2008 Web/Telephone Seminar: Individual(k) Plans
Nationwide on February 21, 2008
presented by BISYS Retirement Services

2008 Web/Telephone Seminar: IRA Beneficiary Distributions
Nationwide on February 5, 2008
presented by BISYS Retirement Services

2008 Web/Telephone Seminar: IRA Frontline Fundamentals - Part 1
Nationwide on February 12, 2008
presented by BISYS Retirement Services

2008 Web/Telephone Seminar: IRA Frontline Fundamentals -Part 2
Nationwide on February 14, 2008
presented by BISYS Retirement Services

2008 Web/Telephone Seminar: Retirement Distribution and Income Planning
Nationwide on February 26, 2008
presented by BISYS Retirement Services

2008 Web/Telephone Seminar: SEP Plans
Nationwide on February 28, 2008
presented by BISYS Retirement Services

2008 Web/Telephone Seminar: Withholding
Nationwide on February 7, 2008
presented by BISYS Retirement Services

401(k) Plans
in Washington on March 25, 2008
presented by Employee Benefits Institute of America (EBIA)/Thomson Tax & Accounting

401(k) Plans
in Oregon on April 8, 2008
presented by Employee Benefits Institute of America (EBIA)/Thomson Tax & Accounting

401(k) Plans
in New York on April 15, 2008
presented by Employee Benefits Institute of America (EBIA)/Thomson Tax & Accounting

401(k) Plans
in Illinois on April 22, 2008
presented by Employee Benefits Institute of America (EBIA)/Thomson Tax & Accounting

401(k) Plans
in Minnesota on May 6, 2008
presented by Employee Benefits Institute of America (EBIA)/Thomson Tax & Accounting

401(k) Plans
in Ohio on May 13, 2008
presented by Employee Benefits Institute of America (EBIA)/Thomson Tax & Accounting

401(k) Plans
in California on May 20, 2008
presented by Employee Benefits Institute of America (EBIA)/Thomson Tax & Accounting

401(k) Plans
in Georgia on June 3, 2008
presented by Employee Benefits Institute of America (EBIA)/Thomson Tax & Accounting

A New Way to Save Money on Healthcare While Helping Employees; Local Pharmacists Partner with Employers to Coach Patients with Chronic Diseases
in Maryland on February 14, 2008
presented by Worldwide Employee Benefits Network (WEB) - Baltimore Chapter

Cafeteria Plans
in Washington on March 26, 2008
presented by Employee Benefits Institute of America (EBIA)/Thomson Tax & Accounting

Cafeteria Plans
in Oregon on April 9, 2008
presented by Employee Benefits Institute of America (EBIA)/Thomson Tax & Accounting

Cafeteria Plans
in New York on April 16, 2008
presented by Employee Benefits Institute of America (EBIA)/Thomson Tax & Accounting

Cafeteria Plans
in Illinois on April 23, 2008
presented by Employee Benefits Institute of America (EBIA)/Thomson Tax & Accounting

Cafeteria Plans
in Minnesota on May 7, 2008
presented by Employee Benefits Institute of America (EBIA)/Thomson Tax & Accounting

Cafeteria Plans
in Ohio on May 14, 2008
presented by Employee Benefits Institute of America (EBIA)/Thomson Tax & Accounting

Cafeteria Plans
in California on May 21, 2008
presented by Employee Benefits Institute of America (EBIA)/Thomson Tax & Accounting

Cafeteria Plans
in Georgia on June 4, 2008
presented by Employee Benefits Institute of America (EBIA)/Thomson Tax & Accounting

COBRA Compliance for Group Health Plans
in Washington on March 28, 2008
presented by Employee Benefits Institute of America (EBIA)/Thomson Tax & Accounting

COBRA Compliance for Group Health Plans
in Oregon on April 11, 2008
presented by Employee Benefits Institute of America (EBIA)/Thomson Tax & Accounting

COBRA Compliance for Group Health Plans
in New York on April 18, 2008
presented by Employee Benefits Institute of America (EBIA)/Thomson Tax & Accounting

COBRA Compliance for Group Health Plans
in Illinois on April 25, 2008
presented by Employee Benefits Institute of America (EBIA)/Thomson Tax & Accounting

COBRA Compliance for Group Health Plans
in Minnesota on May 9, 2008
presented by Employee Benefits Institute of America (EBIA)/Thomson Tax & Accounting

COBRA Compliance for Group Health Plans
in Ohio on May 16, 2008
presented by Employee Benefits Institute of America (EBIA)/Thomson Tax & Accounting

COBRA Compliance for Group Health Plans
in California on May 23, 2008
presented by Employee Benefits Institute of America (EBIA)/Thomson Tax & Accounting

COBRA Compliance for Group Health Plans
in Georgia on June 6, 2008
presented by Employee Benefits Institute of America (EBIA)/Thomson Tax & Accounting

Employee Benefit Considerations in Domestic Relations Matters: QDROs and QMCSOs
Nationwide on February 14, 2008
presented by ABA Joint Committee on Employee Benefits

ERISA Compliance for Health & Welfare Plans
in Washington on March 27, 2008
presented by Employee Benefits Institute of America (EBIA)/Thomson Tax & Accounting

ERISA Compliance for Health & Welfare Plans
in Oregon on April 10, 2008
presented by Employee Benefits Institute of America (EBIA)/Thomson Tax & Accounting

ERISA Compliance for Health & Welfare Plans
in New York on April 17, 2008
presented by Employee Benefits Institute of America (EBIA)/Thomson Tax & Accounting

ERISA Compliance for Health & Welfare Plans
in Illinois on April 24, 2008
presented by Employee Benefits Institute of America (EBIA)/Thomson Tax & Accounting

ERISA Compliance for Health & Welfare Plans
in Minnesota on May 8, 2008
presented by Employee Benefits Institute of America (EBIA)/Thomson Tax & Accounting

ERISA Compliance for Health & Welfare Plans
in Ohio on May 15, 2008
presented by Employee Benefits Institute of America (EBIA)/Thomson Tax & Accounting

ERISA Compliance for Health & Welfare Plans
in California on May 22, 2008
presented by Employee Benefits Institute of America (EBIA)/Thomson Tax & Accounting

ERISA Compliance for Health & Welfare Plans
in Georgia on June 5, 2008
presented by Employee Benefits Institute of America (EBIA)/Thomson Tax & Accounting

HIPAA Portability, Privacy & Security
in Washington on March 28, 2008
presented by Employee Benefits Institute of America (EBIA)/Thomson Tax & Accounting

HIPAA Portability, Privacy & Security
in Oregon on April 11, 2008
presented by Employee Benefits Institute of America (EBIA)/Thomson Tax & Accounting

HIPAA Portability, Privacy & Security
in New York on April 18, 2008
presented by Employee Benefits Institute of America (EBIA)/Thomson Tax & Accounting

HIPAA Portability, Privacy & Security
in Illinois on April 25, 2008
presented by Employee Benefits Institute of America (EBIA)/Thomson Tax & Accounting

HIPAA Portability, Privacy & Security
in Minnesota on May 9, 2008
presented by Employee Benefits Institute of America (EBIA)/Thomson Tax & Accounting

HIPAA Portability, Privacy & Security
in Ohio on May 16, 2008
presented by Employee Benefits Institute of America (EBIA)/Thomson Tax & Accounting

HIPAA Portability, Privacy & Security
in California on May 23, 2008
presented by Employee Benefits Institute of America (EBIA)/Thomson Tax & Accounting

HIPAA Portability, Privacy & Security
in Georgia on June 6, 2008
presented by Employee Benefits Institute of America (EBIA)/Thomson Tax & Accounting

HSAs, HRAs, and Consumer-Driven Health Care
in Washington on March 27, 2008
presented by Employee Benefits Institute of America (EBIA)/Thomson Tax & Accounting

HSAs, HRAs, and Consumer-Driven Health Care
in Oregon on April 10, 2008
presented by Employee Benefits Institute of America (EBIA)/Thomson Tax & Accounting

HSAs, HRAs, and Consumer-Driven Health Care
in New York on April 17, 2008
presented by Employee Benefits Institute of America (EBIA)/Thomson Tax & Accounting

HSAs, HRAs, and Consumer-Driven Health Care
in Illinois on April 24, 2008
presented by Employee Benefits Institute of America (EBIA)/Thomson Tax & Accounting

HSAs, HRAs, and Consumer-Driven Health Care
in Minnesota on May 8, 2008
presented by Employee Benefits Institute of America (EBIA)/Thomson Tax & Accounting

HSAs, HRAs, and Consumer-Driven Health Care
in Ohio on May 15, 2008
presented by Employee Benefits Institute of America (EBIA)/Thomson Tax & Accounting

HSAs, HRAs, and Consumer-Driven Health Care
in California on May 22, 2008
presented by Employee Benefits Institute of America (EBIA)/Thomson Tax & Accounting

HSAs, HRAs, and Consumer-Driven Health Care
in Georgia on June 5, 2008
presented by Employee Benefits Institute of America (EBIA)/Thomson Tax & Accounting

Leveraging Data Analytics to Benchmark and Improve Health Plan Performance
in Illinois on February 28, 2008
presented by WEB - Chicago West


Newly Posted Press Releases
(Post Yours!)

MassMutual Retirement Services Adopts Enhanced Regional Model
MassMutual

InFRE Issues Call for Retirement Related Research Papers
International Foundation for Retirement Education (InFRE)

New Web-Product Connects Pension & 401k Plan Auditors with Plan Sponsors
Venture (k) Corp.

Biophysical Unveils BiophysicalCheck Health Assessment Program to aid in Pre-Symptomatic Detection of Disease
Biophysical Corporation


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Retirement Sales Wholesaler - Inside Sales
for ExpertPlan, Inc.
in NJ

401(k) Plan Administrator
for Northeast Planning Services, Inc.
in MA

Compensation & Benefits Senior Manager
for Deloitte Tax, LLP
in DC, VA

Compliance Specialist
for Merrill Lynch
in NJ

Sr. Retirement Analyst
for Navy Federal Credit Union
in DC, VA

Relationship Manager I
for Citi
in FL

Relationship Manager II
for Citi
in FL

Lead Benefit Systems Analyst
for Citi
in FL

CRTNJ - Account Manager - AMT
for Citi
in ME

Employee Benefits Associate Attorney
for Gray Plant Mooty
in MN

Defined Benefits Operations Manager
for Hewitt Associates
in NJ

Actuarial Consultant
for MassMutual Financial Group
in MA

Retirement Plan Administrator
for Fringe Benefits Design
in MN

Actuary-50015626
for MassMutual Financial Group
in CT

Account Manager, Employee Benefits
for ABD Insurance and Financial Services
in CA

Licensing and Commissions Administrator
for Transamerica Retirement Services
in CA

401(k) Relationship Manager
for A.G. Edwards/Wachovia Securities
in IL, KS, MI, MO, TX

Senior Manager - Executive Compensation Consulting
for Deloitte Consulting LLP
in TX

Employee Benefits Opportunity
for Cincinnati Law Firm
in OH

Actuarial Consultant
for MassMutual Financial Group
in CT

Retirement Income Actuary
for MassMutual Financial Group
in CT

Participant Communication Consultant
for Vanguard
in PA

Defined Benefits Professional
for Vanguard
in PA

401(k) Client Relationship Specialist
for Matthews Benefit Group, Inc
in FL

Director, Plan Services
for Diversified Investment Advisors
in NY

Pension Recordkeeper
for Northern NJ Pension Consulting Firm
in NJ




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