MEMORANDUM OPINION
JOHN D. BATES, District Judge.
Plaintiff Denise Clark brings this action pursuant to the Employee Retirement Income Security Act of 1974 ("ERISA"), 29 U.S.C. § 1001 et seq. In her complaint, she alleges that she was improperly denied almost 50% of the value of her retirement benefits in violation of ERISA's anti-cut-back protection for accrued benefits, ERISA's disclosure requirements, and fiduciary
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