| 摘要 |
A structure for enrolling individual participants in compensation and employee benefit plans using performance scores from a psychometric testing instrument to determine whether individual participants understand the risks of their plan choices. As an individual's score increases on the test, a larger array of plan choices become available allowing greater opportunity for plan customization. This screening process benefits the individual plan participant by limiting plan choices where risks are not properly understood. Additionally, the use of the test as a screener to curtail unsuitable plan choices affords plan sponsors a mechanism to demonstrate that they have properly exercised their fiduciary duty. |
