The Summary Plan Description (SPD) should include your plan's claims procedures. Usually, you fill out the required paperwork and submit it to the plan.We help small businesses set up and run their retirement plans. ERISA applies to any plans which provide benefits to at least one employee. The Middlesex Group can help you achieve your financial goals. Learn about Retirement, Investing, Family, Business Planning, and Philanthropy. RetireReady NJ is a basic, one-size-fits-all retirement savings program for businesses that do not wish to sponsor a plan for their own employees. (the "Hospital") established the Middlesex Retirement. New Jersey implemented a new law that requires employers with 25 or more employees to implement a retirement plan. Helmetta ("Borough"), County of Middlesex, Length of Service Awards Program (LOSAP) plan as of.