Menendez v. United Food CommercialWorkers Local 450T, AFL-CIO, 2005 WL 1925787, *1-2 (D.N.J. 2005)." Engers v. AT T, 428 F.Supp.2d 213, 229 (D.N.J. 2006). A court must weigh several factors when making its determination as to whether a plaintiff is entitled to the above "futility" exception, "including (1) whether plaintiff diligently pursued administrative relief; (2) whether plaintiff acted reasonably in seeking immediate review under the circumstances; (3) existence of a fixed policy denying benefits; (4) failure of the . . . company to comply with its own internal administrative procedures; and (5) testimony of plan administrators that any administrative appeal was futile."