This document is about a settlement agreement between the U.S. Department of Labor and Consulting Services Group, LLC, Trading Services Group, Inc., and Joe David Meals. The agreement resolves the Secretary's claims that the defendants may have violated ERISA by receiving undisclosed and unauthorized compensation and failing to provide promised commission rebates to certain employee benefit plans. The agreement outlines detailed disclosure requirements, procedures, and controls that the defendants must follow going forward to ensure compliance with ERISA.