Which of the following is not an ERISA requirement pertaining to employer-sponsored benefits plans? Select one: a. Employers are obligated to distribute summary plan descriptions to employees within 120 days of the plan becoming subject to reporting and disclosure requirements. b. Written notices must be written for the "average" participant to understand. c. Employees must receive a summary plan description within 90 days of becoming a plan participant. d. The waiting period before participation in employer-sponsored health-care programs is limited to a maximum of 90 days