---
title: "ERISA summary plan description regulation checklist"
url: "https://ailawframework.com/precedents/superannuation/us-spd-regulation-review"
type: "precedent"
site: "AI Law Framework"
id: "a27-us-spd-regulation-review"
area_id: "A27"
kind: "checklist"
ai_level: "yellow"
version: 1
task_ids: ["A27-A20260923-1"]
law_stated_as_at: "2026-10-22"
---

# ERISA summary plan description regulation checklist

> Checklist of summary plan description items in 29 CFR 2520.102-3. It tells the lawyer what to look for. It does not reproduce the regulation's model statements.

Canonical page: https://ailawframework.com/precedents/superannuation/us-spd-regulation-review  
Law stated as at: 2026-10-22

Site index for agents: https://ailawframework.com/llms.txt

## Key facts

- Kind: Checklist. Steps or checks to work through and tick off.
- Practice area: [Superannuation](https://ailawframework.com/precedents/superannuation.md)
- Jurisdictions: United States
- AI level: Yellow. You and the tool draft together, with you directing. You check every statement you rely on.
- Law stated as at: 2026-10-22
- Status: Maintained. Checked on 2026-10-22 against the 2 authorities it cites, for United States.

## When to use it

Use when a lawyer is checking a summary plan description against 29 CFR 2520.102-3. Do not use the checklist as the statement furnished to participants.

## Used for these tasks

- [Compare a member booklet or product disclosure to the deed](https://ailawframework.com/practice/superannuation/compare-a-member-booklet-or-product-disclosure-to-the-deed.md)

## How AI may be used

Yellow: the lawyer matches each regulatory item to the plan and uses the current model text where the plan relies on deemed compliance.

**AI may:**

- List the content items in 29 CFR 2520.102-3 that were read.
- Point to the deemed-compliance model statements without copying them into a booklet.
- Leave benefit descriptions, caps, and provider lists blank.

**AI must not:**

- Do not furnish a summary plan description or a model ERISA-rights statement.
- Do not copy a PBGC guarantee figure into a booklet from this list.
- Do not restate 29 CFR 2520.102-2. It was not opened.
- Do not decide that a benefit cap is lawful.

**The lawyer checks:**

- Use the current text of paragraphs (m), (t), and (u) if the plan relies on a deemed-compliance statement.
- Read 29 CFR 2520.102-2 before treating a separate claims or provider document as compliant.
- Describe only the caps, networks, and eligibility rules that are in the plan.
- Do not calculate a pension or a premium.

## Authorities

- [29 CFR § 2520.102-3](https://www.law.cornell.edu/cfr/text/29/2520.102-3)
- [29 U.S.C. § 1022](https://www.law.cornell.edu/uscode/text/29/1022)

## Full text and drafting notes

The full text and the drafting notes are not part of this public page. Signed-in firm accounts can read them at https://ailawframework.com/precedents/superannuation/us-spd-regulation-review and through the signed-in MCP connector https://ailawframework.com/mcp/firm.

*Practice guidance for planning and review. Confirm current primary sources and the requirements of the actual matter. This is general information, not legal advice.*