actually affected by the changes made, see 29 C.F.R. § 2520.104b-4(c), and different SPDs may be prepared for different groups of participants, including only the information relevant to that group. See 29 C.F.R. § 2520.102-4. Finally, an SMM need not be provided if the material modifications are described in an SPD that is published within the 210-day window otherwise applicable to SMMs. See 29 C.F.R. § 2520.104b-3(b). Importantly, the Second Circuit has held that in addition to describing the individual provisions of the retirement plan and their import, an employer must also describe the interaction among those provisions if the result is likely to be material to plan participants. See, e.g., Chambless v. Masters, Mates & Pilots Pension Plan, 772 F.2d 1032, 1040 (2d Cir.1985) (<HOLDING>); Wilkins v. Mason Tenders Disk Council Pension
holding that defendants testimony that he did not see a provision in the agreement because the plaintiffcounterparty failed to direct him to the provision was insufficient as a matter of law to establish fraud and defendant was therefore bound to the terms of the provision holding that a provision allowing the beverly hills city council to abolish any position in the classified service when necessary in the interests of economy or because the necessity for the position no longer exists does not significantly constrain the citys discretion and thus does not create a property interest holding wouldbe smmspd inadequate because it did not explain the full import of the interaction of the wagerelated provision and the amendment for someone in chambless position holding that the decision of the supreme court in burlington established that a ruling by the education appeals panel in favor of the parents position constitutes agreement for purposes of the pendent placement provision holding that a provision of the constitution is to be construed in the sense in which it was understood by the framers and the people at the time of its adoption but that if new products or circumstances that did not exist at the time the constitutional provision was enacted fall within the meaning of the provision the constitutional provision applies to them