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By July 1, 2012, plan sponsors should have received fee disclosure data from their plan service providers under the U.S. Department of Labor’s (DOL) final rule, Reasonable Contract or Arrangement Under Section 408(b)(2) – Fee Disclosure.

By August 30, 2012, plan sponsors must disclose plan facts and investment fees to participants, including a summary of the administrative and individual expenses charged against participant accounts, under the DOL’s final rule Fiduciary Requirements for Disclosure in Participant-Directed Individual Account Plans.

By November 14, 2012, plan sponsors must issue the first of required quarterly statements of fees deducted from individual accounts, initially reflecting fees deducted during the third quarter.

Below are 10 questions to consider in complying with the new rules, plus answers to these common uncertainties.Read more

The rainy season is upon us once again and so is the season for slip and fall accidents. It is difficult to avoid an occasional incident that may occur on your premises. Even the most diligent risk management effort cannot prevent specific actions of others. Slips and falls may occur outside or inside your business. Unfortunately, in today’s litigious society, some of these seemingly benign incidents become threats of lawsuits and usually result in some type of “payment” to hedge against a potentially larger jury award. How can you as a business owner protect the integrity of your insurance program and prevent it from being whittled away with nuisance suits from slip and fall accidents on your premises?… Read more

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Have you ever gotten an email that just doesn’t look right? You had a “gut feeling” that something was suspicious? I often tell my 8-year old to “never ignore your gut.” Even as “grown-ups,” it will serve us well to heed that advice. It is important to review the ways criminals are targeting us. It’s getting more and more complex every day. Personally, there are VERY FEW circumstances where I will click an email link anymore. Why? Even as a person who makes my living in technology, I too have been tricked into clicking. So I have stopped altogether… Read more


An accident scene is a chaotic place, particularly when injuries are involved. The supervisor should take charge of the site (it could be a construction site, office, or manufacturing environment) and direct all necessary response activities.

It is important to remember that two concerns take priority at any accident scene:
1. Care and treatment of the injured.
2. Elimination or control of remaining hazards.

…. Read more

Everyone recognizes the value of protecting employees from harm. Businesses must also recognize that violations of workplace safety and health standards come with some form of civil or criminal penalties. With civil penalties of up to $70,000 for each violation, penalties can reach into the millions of dollars… Read more

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