MMC Benefits Handbook
In-Service Withdrawals
There are seven types of in-service withdrawals as well as a financial hardship withdrawal. You may ask to receive shares of Marsh & McLennan Companies stock or a check for these withdrawals.
The withdrawal options available under the Plan are listed below.
Withdrawal Options
The Hierarchy for the Withdrawal of Funds are:
After-tax Withdrawal
All or a portion of after-tax contributions and any associated earnings on those contributions.
Rollover Withdrawal
All or a portion of rollover contributions and any associated earnings on those contributions. (Excludes direct rollover of Roth 401(k) contributions and earnings.)
  • Rollover contributions
MHRS Plan Account Withdrawal
All or a portion of MHRS Plan Account.
  • MHRS Plan Account***
Employer Withdrawal
All or a portion of vested Company matching contributions and any associated earnings on those contributions.
  • Prior plan company matching contributions***
  • Profit sharing prior plan contributions***
  • Company matching contributions
  • Performance-based Company matching contributions***
  • Additional Company Matching Contributions*, ***
  • CSI ER ESOP Merge***
Age 59-1/2 Withdrawal**
All or a portion of the vested account balance, provided you are an active employee and at least age 59-1/2.
  • Pre-87 after-tax contributions***
  • Post-86 after-tax contributions
  • Rollover contributions (excluding rollover Roth 401(k) contributions and earnings)
  • MHRS Plan Account***
  • Prior plan company matching contributions***
  • Profit sharing prior plan contributions***
  • Company matching contributions
  • Performance-based Company matching contributions***
  • Additional Company Matching Contributions*, ***
  • Special Company Contributions
  • Safe Harbor Match***
  • CSI ER ESOP Merge***
  • Before-tax contributions including catch-up
  • Rollover Roth 401(k) contributions
  • Roth 401(k) contributions
  • Roth catch-up contributions
Disability Withdrawal**
All or a portion of the vested account balance, provided you are disabled.
  • Pre-87 after-tax contributions***
  • Post-86 after-tax contributions
  • Rollover contributions (excluding rollover Roth 401(k) contributions and earnings)
  • MHRS Plan Account***
  • Prior plan company matching contributions***
  • Profit sharing prior plan contributions***
  • Company matching contributions
  • Performance-based Company matching contributions***
  • Additional Company Matching Contributions*, ***
  • Special Company Contributions
  • Safe Harbor Match***
  • CSI ER ESOP Merge***
  • Before-tax contributions including catch-up
  • Rollover Roth 401(k) contributions
  • Roth 401(k) contributions
  • Roth catch-up contributions
In-Plan Roth Conversion Withdrawal
All or a portion of In-Plan Roth Conversion Account.
  • In Plan Roth Conversion Account
* Additional Company Matching Contributions are the 2813% match made prior to January 1, 2006 in the Marsh & McLennan Companies 401(k) Savings & Investment Plan on certain contributions made by participants who met certain age and Plan participation requirements.
** If (i) you elect an Age 59-1/2 In-Service Withdrawal or Disability Withdrawal (ii) you have made Roth 401(k) or Roth catch-up contributions and (iii) your first Roth money was contributed to the Plan less than five (5) taxable years ago (whether through the Plan's Roth 401(k) feature or an in-plan Roth conversion), your withdrawal will be considered a non-qualified distribution (and earnings on those contributions will be taxable). The Roth 401(k) and Roth catch-up money types will be the last in the hierarchy for the withdrawal of funds under the Age 59-1/2 In-Service Withdrawal or Disability Withdrawal.
*** These accounts may pertain to employees that transferred along with their Marsh & McLennan Companies 401(k) Savings & Investment Plan accounts from Marsh & McLennan Companies to MMA.
Within each in-service withdrawal category, withdrawals will be paid from the various investment funds on a prorata basis.
You may view the amounts available for withdrawal online. Go to Colleague Connect (https://colleagueconnect.mmc.com), click Career & Rewards and select Transamerica under Tools or call the Employee Service Center at +1 866 374 2662.
Any MMC fixed company contributions transferred from the Marsh & McLennan Companies 401(k) Savings & Investment Plan are not an eligible source of funds for any in-service withdrawals.