It is the employer’s responsibility.
SHRM has an article that discusses, among other things, the Summary Plan Description: https://www.shrm.org/hr-today/news/hr-magazine/pages/0113-wrap-documents.aspx
![](http://benefitlab.org/wp-content/uploads/2019/03/image-10.png)
![](http://benefitlab.org/wp-content/uploads/2019/03/image-11.png)
It is the employer’s responsibility.
SHRM has an article that discusses, among other things, the Summary Plan Description: https://www.shrm.org/hr-today/news/hr-magazine/pages/0113-wrap-documents.aspx