ERISA requires plans to provide participants with plan information including important information about plan features and funding; provides fiduciary responsibilities for those who manage and control plan assets; requires plans to establish a grievance and appeals process for participants to get benefits from their plans; and gives participants the right to sue for benefits and breaches of fiduciary duty. Attorneys may represent employees or they may represent the company in the design, preparation, and review of plan, trust, and employee communication documents to implement pension, profit sharing, employee stock ownership, fringe benefit, flexible benefit, and all types of employee welfare plans.
Towaco is an unincorporated area within Montville Township in Morris County, New Jersey, United States. The area is served as United States Postal Service ZIP code 07082. As of the United States 2000 Census, the population for ZIP Code Tabulation Area 07082 was 4,723. The Towaco station offers New Jersey Transit train service along the Montclair-Boonton Line. It essentially replaces the abandoned Montville station. The train station has been renovated.