Highlights: Now is the Time to Remind Employees of the Retirement Savings Contribution Credit; Many Laws Impact Employer Policies to Regulate Off-Duty Behavior; Employers Offering Retiree Prescription Drug Coverage May be Eligible for Federal Subsidies; EEOC Final Rule on Retiree Health Plans Blocked; More Guidance on Information that must be Disclosed to Participants Regarding Optional Forms of Benefit; IRS Issues Final Regulations on Elimination of Retirement Plan Payment Options