The purpose of this report is to examine some of the problems of communication with employees about pension and welfare benefits. Issues discussed relate to (1) employees' attitudes toward benefits and benefit communication, (2) the structure of private benefit programs, (3) the case for fair labeling, and (4) the trend toward statutory criteria for benefit communication. Included is a composite of proposals for benefit communication that have appeared in or been inferred from the literature and employee benefit protection acts over the last decade. (SB)