MMC Benefits Handbook
Participating in the Plan
Eligibility – General Rules
"You," "Your," and "Employee"
As used throughout this document, "employee," "you" and "your" always mean a US regular or temporary employee of Marsh & McLennan Companies or any other participating company.
You are eligible if you were classified by the Company as a US regular or temporary employee (including employees who are classified by the Company as US expatriates) of Marsh & McLennan Companies or any participating company in the Plan, you were age 21 and you had one year of Vesting Service prior to January 1, 2017. Please note that although you may have met the eligibility requirements to participate in the Plan, there are no benefit accruals after December 31, 2016, the date benefit accruals were discontinued under the Plan.
Participating companies include Marsh & McLennan Companies and all its subsidiaries and affiliates other than (i) Mercer Services (including: Mercer HR Services, LLC., Mercer Trust Company, and (except during the period from July 1, 2013 through February 29, 2016) Mercer Health and Benefits Administration, LLC), (ii) Mercer Systems Services, (iii) Marsh & McLennan Agency LLC (MMA), and (iv) Dovetail Insurance Corporation.
Ineligible Employees
The following employees were not eligible to participate in the Plan:
  • employees in Puerto Rico.
  • leased employees.
  • employees covered by a retirement plan sponsored by another employer in the Marsh & McLennan Companies World-wide Controlled Group.
  • employees of a non-participating company who were seconded to a US participating company, whose legal employer remained a non-participating company.
  • individuals who were compensated as independent contractors.
  • employees of a non-participating company unless eligible to continue participation pursuant to certain transfer rules. See "Transfers From a Non-participating Company" for details. Ineligible employees include:
    • Employees hired or rehired by Marsh ClearSight LLC, on or after January 1, 2005, or employees of its predecessor, Corporate Systems Inc., hired prior to January 1, 2005 unless eligible to continue eligibility or participation pursuant to certain transfer rules.
    • Employees hired or rehired by MMA on or after January 1, 2009 unless eligible to continue all or limited participation pursuant to certain transfer rules.
    • Employees hired or rehired by (Marsh Risk Consulting) MRC during the period from July 12, 2004 through December 31, 2005 were ineligible employees during that period unless eligible to continue eligibility pursuant to certain transfer rules.
    • Employees hired or rehired by (Forensic Constructions) FFC during the period from July 12, 2004 through December 31, 2006 were ineligible employees during that period unless eligible to continue eligibility pursuant to certain transfer rules.
    • Employees hired or rehired by Kroll Corporate Preparedness during the period from July 12, 2004 through March 31, 2007 were ineligible employees during that period unless eligible to continue eligibility pursuant to certain transfer rules.
    • Employees hired or rehired by Mercer HR Services, LLC or Mercer Trust Company on or after January 1, 2005 unless eligible to continue eligibility pursuant to certain transfer rules.
    • Employees hired or rehired by Mercer Health and Benefits Administration LLC on or after April 1, 2011, except for any periods of employment from July 1, 2013 through February 29, 2016 or unless eligible to continue eligibility pursuant to certain transfer rules.
    • Employees hired or rehired by Mercer System Services LLC. on or after January 1, 2015.
    • Employees hired or rehired by Dovetail Insurance on or after August 17, 2015.
When Participation Began
Your participation began generally as of the first day of the month in which you satisfied all eligibility requirements provided all of these requirements were met by December 31, 2016:
  • you were an eligible employee as described in this section,
  • you were at least age 21, and
  • you had accrued at least 12 months of Vesting Service.
Participation was automatic. No action was required by you. Participant contributions to the Plan are not required or permitted.
Special provisions may also apply if you were employed by an acquired business. See "Acquired Companies" for special rules that may apply.