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        <title>Epinions Recent Content for Employee Benefits</title>
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        <link>http://www.epinions.com/Employee_Benefits</link>
        <description>Recent content written about Employee Benefits</description>
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        <item>
            <title>Nightmare</title>
            <link>http://www.epinions.com/content_482833567364?linkin_id=8003929</link>
            <description>rating: 1/5 by: Epinions Author travelerjun - I&apos;d be shocked if it can get worse than these guys. EVER. The website is a piece of crap that has all the wrong billing information. They completely misled me in terms of the amount of premium due, in spite of repeated phone calls and emails. Then used...</description>
            <comments>http://www.epinions.com/content/submit.html/comment_~482833567364</comments>
            <pubDate>Thu, 27 Aug 2009 20:38:11 GMT</pubDate>
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            <title>Are the 401k Mutual Funds Offered by American Funds Right For You?</title>
            <link>http://www.epinions.com/content_464215051908?linkin_id=8003929</link>
            <description>rating: 3/5 by: Epinions Author hddan - The company that I work for recently decided to take a different direction with a money that was being invested for the employees. We originally had a profit sharing plan where the company would invest money on behalf of the employees, but my employer...</description>
            <comments>http://www.epinions.com/content/submit.html/comment_~464215051908</comments>
            <pubDate>Thu, 19 Mar 2009 01:27:28 GMT</pubDate>
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            <title>Fidelity Portfolio Advisory Service - Not Recommended </title>
            <link>http://www.epinions.com/content_460778868356?linkin_id=8003929</link>
            <description>rating: 2/5 by: Epinions Author gm_bayarea - I rolled over 84K last year to Fidelity Advisory in June 15. They have nice people at all offices. I was served by nice lady who talked me reviewed my current status and created Investment Strategy. This is the most stupidest thing you will do if you...</description>
            <comments>http://www.epinions.com/content/submit.html/comment_~460778868356</comments>
            <pubDate>Thu, 12 Feb 2009 18:32:35 GMT</pubDate>
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            <title>Financial management for small  business</title>
            <link>http://www.epinions.com/content_454895111812?linkin_id=8003929</link>
            <description>rating: 5/5 by: Epinions Author jennileeann - Our clients use small business cash management at Charles Schwab and have had positive feedback.&amp;nbsp; Very helpful personell and fast trades on-line or by phone.&amp;nbsp; We manage over 100 small businesses at the&amp;nbsp; Sears Law Building in Irvine...</description>
            <comments>http://www.epinions.com/content/submit.html/comment_~454895111812</comments>
            <pubDate>Mon, 15 Dec 2008 15:07:27 GMT</pubDate>
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            <title>Worst service I have ever seen</title>
            <link>http://www.epinions.com/content_423354142340?linkin_id=8003929</link>
            <description>rating: 1/5 by: Epinions Author andruha - Account exec does not know how testing is done and answers to the questions you get are not true. Testing/legal department does not want to talk to account execs. There is no way you can get even extension number to call you account rep directly. You...</description>
            <comments>http://www.epinions.com/content/submit.html/comment_~423354142340</comments>
            <pubDate>Mon, 24 Mar 2008 15:55:51 GMT</pubDate>
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            <title>SHPS is awful!</title>
            <link>http://www.epinions.com/content_420959260292?linkin_id=8003929</link>
            <description>rating: 1/5 by: Epinions Author xpumasx - My wife had SHPS as her administrator for her health insurance. They are the most awful company I have ever had to deal with. Their customer service is below any reputable standard and they seem to never take responsibility for their own actions. Their...</description>
            <comments>http://www.epinions.com/content/submit.html/comment_~420959260292</comments>
            <pubDate>Wed, 5 Mar 2008 15:31:45 GMT</pubDate>
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            <title>Poor service</title>
            <link>http://www.epinions.com/content_417124617860?linkin_id=8003929</link>
            <description>rating: 2/5 by: Epinions Author westcoast9585 - For 3 months Ive been trying to get something corrected on my account at SHPS. Ive faxed in the info, they lost it. I faxed it again, they acknowledge receiving it, but now cant find it. Now I have yet another statement where it&apos;s still not right, and...</description>
            <comments>http://www.epinions.com/content/submit.html/comment_~417124617860</comments>
            <pubDate>Mon, 11 Feb 2008 15:08:20 GMT</pubDate>
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            <title>Not *That* Bad</title>
            <link>http://www.epinions.com/content_411315703428?linkin_id=8003929</link>
            <description>rating: 4/5 by: Epinions Author blastoff2 - I turned 23 in October, so it was time to kiss coverage under my mom&apos;s insurance as dependent child goodbye. What follows are my adventures in electing COBRA continuation coverage: Individual Insurance Denied: Starting in August I began...</description>
            <comments>http://www.epinions.com/content/submit.html/comment_~411315703428</comments>
            <pubDate>Wed, 19 Dec 2007 11:04:38 GMT</pubDate>
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            <title>I Want to Lynch the Designer of the Merrill Lynch 401(k) Website</title>
            <link>http://www.epinions.com/content_409340972676?linkin_id=8003929</link>
            <description>rating: 1/5 by: Epinions Author quasar - Whoever designed the Merrill Lynch 401(k) site should be shot. Any judge worth his salt would deem it justifiable homicide. As its title implies, this website is a portal to the corporate 401(k) plans managed by Merrill Lynch. While it offers some...</description>
            <comments>http://www.epinions.com/content/submit.html/comment_~409340972676</comments>
            <pubDate>Tue, 4 Dec 2007 01:00:25 GMT</pubDate>
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            <title>Ceridian another Outsources Business that Fails Us</title>
            <link>http://www.epinions.com/content_407880109700?linkin_id=8003929</link>
            <description>rating: 1/5 by: Epinions Author jnewellr - Ceridian is like a four letter word to me. I still do not have my continuation of coverage after two payments and enrolling prior to the date of termination from my employer. I had to cancel a cardiac procedure twice because of this &quot;administrator&quot; and...</description>
            <comments>http://www.epinions.com/content/submit.html/comment_~407880109700</comments>
            <pubDate>Fri, 16 Nov 2007 12:34:28 GMT</pubDate>
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            <title>Merrill Lynch 401K services are awful</title>
            <link>http://www.epinions.com/content_402602364548?linkin_id=8003929</link>
            <description>rating: 1/5 by: Epinions Author jckearns101 - My employer switched to Merrill Lynch just recently, boy am I sorry. The website is awful, every broker website I&apos;ve seen has it beat, no MS Money download, statements are broken currently, fund information is hard to get and confusing. The funds...</description>
            <comments>http://www.epinions.com/content/submit.html/comment_~402602364548</comments>
            <pubDate>Fri, 7 Sep 2007 01:56:57 GMT</pubDate>
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            <title>They&apos;re rich, I&apos;m still uninsured</title>
            <link>http://www.epinions.com/content_393910062724?linkin_id=8003929</link>
            <description>rating: 1/5 by: Epinions Author k3rm1t32 - My coverage ended on 5-26-07. I&apos;ve sent 2 payments that should have me paid up through 7-26-07. (payments over 2050.00) BCBS has no record of any payments made and Ceridian keeps saying &quot;2 weeks&quot;. I could get in my car and drive to St. Petersburg, Fl,...</description>
            <comments>http://www.epinions.com/content/submit.html/comment_~393910062724</comments>
            <pubDate>Sat, 21 Jul 2007 12:45:06 GMT</pubDate>
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            <title>Move  your 401k to Merrill?  Better Think That One Over!</title>
            <link>http://www.epinions.com/content_380842315396?linkin_id=8003929</link>
            <description>rating: 1/5 by: Epinions Author zn8alpy2 - Ok, let&apos;s preface this with the fact that I&apos;ve been with Merrill Lynch for 7 years - trying to figure out what to do with the 401k from WorldCom/MCI they&apos;ve mismanaged for the life of the fund(s). In fact, I&apos;m sure many feel the way I do, Merrill may...</description>
            <comments>http://www.epinions.com/content/submit.html/comment_~380842315396</comments>
            <pubDate>Wed, 27 Jun 2007 00:40:02 GMT</pubDate>
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            <title>Terrible</title>
            <link>http://www.epinions.com/content_379795050116?linkin_id=8003929</link>
            <description>rating: 1/5 by: Epinions Author seguenther - I had to make multiple calls to make sure my healthcare eligibility went through (calling both Ceridian and the healthcare provider), and then a year later when I used my vision program, I found that this ALSO had never gone through, and again had to...</description>
            <comments>http://www.epinions.com/content/submit.html/comment_~379795050116</comments>
            <pubDate>Thu, 21 Jun 2007 14:53:06 GMT</pubDate>
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            <title>Fidelity 401k Helps You Prepare for Retirement, but Know What You&apos;re Getting!</title>
            <link>http://www.epinions.com/content_368403451524?linkin_id=8003929</link>
            <description>rating: 3/5 by: Epinions Author bettega - What will you be doing when you retire? Retirees are usually very wealthy with hordes of money to burn. It&apos;s common for them to drive expensive luxury vehicles to their country clubs where they trade in yachts as they discuss the deal with thousand...</description>
            <comments>http://www.epinions.com/content/submit.html/comment_~368403451524</comments>
            <pubDate>Tue, 29 May 2007 01:48:22 GMT</pubDate>
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            <title>Slow service</title>
            <link>http://www.epinions.com/content_340139216516?linkin_id=8003929</link>
            <description>rating: 1/5 by: Epinions Author jms007x - We have used Ceridian Cobra Continuation Services since August of 2006 and have found that the company is very slow in performing the services that we are paying for. After our dependant college student finished school, we signed up for continuation of...</description>
            <comments>http://www.epinions.com/content/submit.html/comment_~340139216516</comments>
            <pubDate>Wed, 28 Mar 2007 17:41:27 GMT</pubDate>
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            <title>very negative experience</title>
            <link>http://www.epinions.com/content_262316068484?linkin_id=8003929</link>
            <description>rating: 1/5 by: Epinions Author nadinedito - i left Federated Dept stores in January and everything with SHPS was ok until it was time for renewal. In May I received a renewal notice which I sent in the next day with my selections. Evidently they lost the paperwork in their mail room because I...</description>
            <comments>http://www.epinions.com/content/submit.html/comment_~262316068484</comments>
            <pubDate>Thu, 5 Oct 2006 20:29:54 GMT</pubDate>
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            <title>Lies, Deception, Poor Service</title>
            <link>http://www.epinions.com/content_258177863300?linkin_id=8003929</link>
            <description>rating: 1/5 by: Epinions Author yeahright331 - An absolute nightmare. Dishonest, Deceptive, rendered medical advice that could have resulted in harm to my pregnant wife. Never informed us of HIPAA. Hid behind the &quot;we are not an insurer, we just manage the account&quot; quote. We still have not...</description>
            <comments>http://www.epinions.com/content/submit.html/comment_~258177863300</comments>
            <pubDate>Sun, 24 Sep 2006 23:39:45 GMT</pubDate>
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            <title>Fee Structures have changed dramatically for 401(k) plans </title>
            <link>http://www.epinions.com/content_245306068612?linkin_id=8003929</link>
            <description>rating: 4/5 by: Epinions Author jellyroll4 - In April 2005, Fidelity modified the fund agreements for most all 401(k) type purchases to eliminate front-end fees available through employee plans. In a few cases, there are still small back-end fees (&quot;CDSC&apos;s&quot;), but only for selling shares in the...</description>
            <comments>http://www.epinions.com/content/submit.html/comment_~245306068612</comments>
            <pubDate>Sun, 30 Jul 2006 19:41:12 GMT</pubDate>
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            <title>Merrill Lynch Web Site</title>
            <link>http://www.epinions.com/content_230110105220?linkin_id=8003929</link>
            <description>rating: 1/5 by: Epinions Author beeperdo - We recently switched to the Merrill Lynch 401K fund through our employer. We haven&apos;t been with them long enough to know the worth of the fund. What we have found out is how God awful their web site is. This is the surely the slowest web site on the net...</description>
            <comments>http://www.epinions.com/content/submit.html/comment_~230110105220</comments>
            <pubDate>Tue, 9 May 2006 14:33:33 GMT</pubDate>
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            <title>UNACCEPTABLE - F</title>
            <link>http://www.epinions.com/content_196229369476?linkin_id=8003929</link>
            <description>rating: 1/5 by: Epinions Author matt3141 - After retiring from an Information Technology position due to serious health concerns, I needed to keep my medical insurance coverage from my former employer. Ceridian handled the COBRA continuation, and I mean by &quot;handled&quot;, &quot;was completely ineffectual...</description>
            <comments>http://www.epinions.com/content/submit.html/comment_~196229369476</comments>
            <pubDate>Wed, 14 Sep 2005 22:52:14 GMT</pubDate>
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            <title>Merrill Lynch is blocking my inherited 401(K) Payout claim through Wal-Mart</title>
            <link>http://www.epinions.com/content_193027542660?linkin_id=8003929</link>
            <description>rating: 2/5 by: Epinions Author sgtjohnny2005 - My Mother worked at Wal-Mart. She had died on June 14 2005. She had a Wal-Mart Employee 401(K) through Merrill Lynch. For over two months I have been battling with Merrill Lynch in paying out the inherited 401(K). Merrill Lynch keeps claiming that...</description>
            <comments>http://www.epinions.com/content/submit.html/comment_~193027542660</comments>
            <pubDate>Sat, 13 Aug 2005 21:53:01 GMT</pubDate>
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            <title>Upset Client</title>
            <link>http://www.epinions.com/content_164454698628?linkin_id=8003929</link>
            <description>rating: 1/5 by: Epinions Author soulsonia - SHPS has had no problem accepting my premium payments for up to four months and has still not been able to claim a prescribed medication. Very upset and disturbed by this administrator of healthcare benefits. Not sure if they realize the importance...</description>
            <comments>http://www.epinions.com/content/submit.html/comment_~164454698628</comments>
            <pubDate>Tue, 7 Dec 2004 17:58:37 GMT</pubDate>
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            <title>Living Up to Their Reputation</title>
            <link>http://www.epinions.com/content_156605910660?linkin_id=8003929</link>
            <description>rating: 4/5 by: Epinions Author pichu210 - I knew that Merrill Lynch&apos;s reputation was excellent when I started with a company which offered their 401K plan. I didn&apos;t know how good until I started working with this plan. They offer investments of different risk levels, low, medium or high...</description>
            <comments>http://www.epinions.com/content/submit.html/comment_~156605910660</comments>
            <pubDate>Fri, 1 Oct 2004 15:03:06 GMT</pubDate>
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            <title>Fees greatly reduce returns.</title>
            <link>http://www.epinions.com/content_151166815876?linkin_id=8003929</link>
            <description>rating: 2/5 by: Epinions Author CashewAndFilbert - My situation is this - I have recently accepted a position which uses my MBA degree as well as my previous experience. The company where I accepted the position offers a 401(k) through Fidelity with no contribution matching. Now I realize customer...</description>
            <comments>http://www.epinions.com/content/submit.html/comment_~151166815876</comments>
            <pubDate>Tue, 10 Aug 2004 23:35:21 GMT</pubDate>
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