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and just to kind of illustrate the challenges that companies are going to have with managing vendors right because just from a data security perspective your employers turn a ton of data over to to vendors so just from that perspective theres several state laws that require that there be some reasonable Safeguard Provisions in the contract because thats certainly something to think about for those of you on the call that manage your benefit plans particularly your health insurance probably used to business associate agreements probably deal with those all the time then you have last year the DOL announced cyber security requirements that say you have to assess the vendors who service your retirement plans you have a fiduciary duty to do that and then under the CCPA theres certain contract language that has to be in order to be a service provider its not just enough to say youre a service provider or to actually provide services you have to actually have specific language in the po
