Draft a formal complaint that includes the following sections: Introduction: Briefly introduce yourself and your role as a participant in the employee benefit plan. Statement of Facts: Outline the facts of the situation clearly and concisely, highlighting key events and any relevant communications. Claim: Specify the nature of the complaint, including any violations of ERISA that have occurred. Relief Requested: State what you are seeking from the EBSA, such as a review of the denial, restoration of benefits, or provision of required information. Fact Pattern 2: Failure to Provide Plan Information Scenario: Marco works for ABC Industries, which offers a 401(k) retirement plan. Marco has repeatedly requested updated plan information, including investment options and fee structures, but the company has either failed to provide this information or has provided incomplete documents. He is concerned about high fees and the lack of transparency in the management of his retirement savings. As a result, he feels he cannot make informed decisions regarding his investment choices. Complaint Focus: Allegation that ABC Industries violated ERISA's requirement to provide plan information and disclosures to participants. Failure to ensure that Marco has access to the necessary information to understand his retirement plan options. Possible breach of fiduciary duty for not acting in the best interest of plan participants.