I've got three more stories of ridiculous paperwork issues created by the IRS 403(b) Regulations that went into affect on January 1st, 2009. While I believe the IRS had good intentions and I supported the overhaul of the regs, the outcome for participants has been a disaster and is leading to higher costs, lots of paperwork headaches and consternation between employers, participants and their vendors (as well as the TPA's that service them).