The Plan at a Glance

MMC Benefits Handbook


Plan Feature	Highlights
Eligibility	You may participate in the Plan on the first business day of October if you are classified on payroll as a US (regular or temporary) employee of the Company provided that: you began working for the Company on or before the preceding April 30 or were otherwise credited with six months Vesting service (which may include service with a business prior to its acquisition by Marsh & McLennan Companies, Inc.) by the CEO or the highest ranking Human Resources officer, and your customary employment is not less than 20 hours a week. See "Eligibility" for details.
Enrollment	Once the eligibility requirements have been satisfied, you can enroll in the Plan during Annual Enrollment, generally in September. See "Eligibility" for details.
How the Plan Works	When you enroll in the Plan, you elect to contribute—via payroll deductions and on an after-tax basis—from 1% to 15% of your eligible base pay throughout the plan year. During the period between purchases of Marsh & McLennan Companies, Inc.'s shares, your contributions will earn interest at a 2% annual rate, compounded semi-monthly, if you are a regular employee, which will be applied to the funds available for purchasing Marsh & McLennan Companies, Inc. stock. If you are classified as a temporary employee, interest is compounded weekly, as long as you receive eligible pay. Your calendar quarter-end balance is used to purchase shares of Marsh & McLennan Companies, Inc. common stock each quarter at a price that is 95% of the average market price of the stock on the day the stock is purchased. The purchase date is the last business day of the calendar quarter (except the purchase for the quarter ending December 31 will be made on the first business day of January). On the purchase date, your shares of Marsh & McLennan Companies, Inc. common stock purchased with your quarter-end account balance are placed in an account with Fidelity Investments. You own these shares of Marsh & McLennan Companies, Inc. common stock outright and can generally decide to sell them, hold them in your Fidelity Investments stock plan account or transfer them to another account. Generally, shares deposited on the purchase date are available on the second business day following the purchase date.
Contact Information	For more information after stock are purchased, contact the Plan's default service provider, Fidelity Investments: Fidelity Investments Attn: Employee Stock Plan Services 100 Howe Drive Covington, KY 41015 Online: www.netbenefits.com +1 800 544 9354 Outside the United States: Fidelity.com/globalcall TDD/Hearing Impaired: +1 800 610 4015