Taking it to the bank.(Brief Article)

Suppose for a minute that several nascent trends affecting employee benefit programs become fully developed and reach their logical (or illogical) conclusion.

Suppose employers, at the highest management levels, decide they've had enough of the benefits game. That benefits sponsorship was just a serendipitous tug from historical circumstances, that they no longer wish to be paternal selectors and providers of benefits, that the accompanying responsibilities and liability exposure make plan sponsorship just too risky.

Suppose employees, particularly younger w