Could you provide more information about the fine you mention? On the FAQ (<a href="http://www.dol.gov/ebsa/faqs/faq-noticeofcoverageoptions.html" rel="nofollow">http://www.dol.gov/ebsa/faqs/faq-noticeofcoverageoptions.htm...</a>) it says there is no fine or penalty for failing to provide a notice.