Here we go again. For the second time in less than six months, a large corporation's health plan has been targeted in a lawsuit by employees alleging that the plan failed to do what is best for members.

This is the reality facing Wells Fargo, who now joins Johnson & Johnson (J&J) as one of the first American companies to be sued in test cases regarding the alleged mismanagement of health benefit plan funds in violation of a federal law intended to protect the plan's members.

While these cases could pave the way for similar lawsuits, the result is unclear, and business leaders should not wait to find out. The good news is that by knowing a few high-level details about these cases and taking purposeful steps, employers and their benefits advisors can help protect their health plans in defending against similar claims while also putting members' best interests first.