So, in this business at least, transparency remains a cracked one-way glass.

I'm sure you've heard about this one. The U.S. Attorney out of San Diego managed to squeeze $5.5 million worth of fines and penalties out of Unum Group earlier this week. The federal prosecutor took issue with the company's unreported "special fees" it paid to a San Diego broker, which of course runs afoul of ERISA.

It's worth noting that Unum voluntarily reported this arrangement and cooperated fully with the feds.

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