One more way to make it impossible for ordinary folks to get justice. To help shield employers from litigation. "Changes that companies have made to their programs include reducing the amount of time a participant has to bring a legal action and requiring that such an action be brought in a court that is convenient to the plan sponsor but not necessarily to a beneficiary. This is known as forum selection. Such requirements do more than make it harder for beneficiaries to receive the benefits they are owed, said Norman Stein, a law professor at Drexel University and a senior policy adviser at the Pension Rights Center, a nonprofit consumer organization in Washington. They also prevent participants from holding plan overseers accountable."