Federal government and employer groups side together in ERISA litigation over pension risk transfers, impacting the growing PRT market and retiree protections under state insurance regulation versus ERISA.

New Jersey completes nationwide adoption of NAIC best-interest annuity standards, aligning state and federal regulations on insurance producer obligations and consumer protections.

Scholars argue for enhanced Department of Labor regulations under ERISA to improve fiduciary duties in selecting employer-sponsored health insurance, advocating for transparency and value in plan choices.