Dennis Hartin proves that leaning into complexity and radical transparency is the only way to fix a broken benefits system.

A fiduciary would have to show that the benefits from reducing plan participant liquidity justified the impact.

The plan says it could have received $1.4 million from its stop-loss carrier if the notice earlier had arrived earlier.

"Consolidation may allow providers to operate more efficiently and help struggling providers keep their doors open in underserved areas, but it often reduces competition," a new KFF report said.