PHILADELPHIA - Participants in 401(k) plans who alleged that John Hancock Life Insurance Company (U.S.A.) and its related entities violated the Employment Retirement Income Security Act of 1974 (ERISA), 29 USCS § 1001 et seq., by charging excessive fees were not required to make a presuit demand on the trustees or join the trustees as defendants, the Third Circuit U.S. Court of Appeals ruled April 16 in reversing a federal district court's judgment on the ERISA claims (Danielle Santomenno, et al. v. John Hancock Life Insurance Company (U.S.A.), No. 11-2520, 3rd Cir.; 2012 U.S. App. LEXIS 7545).