Benefits Handbook

If you are at least 18 years of age, you become eligible to make employee contributions as soon as you are classified as a US regular or temporary employee (including US expatriates) of Marsh & McLennan Companies or any subsidiary or affiliate of Marsh & McLennan Companies (other than MMA and any of its subsidiaries), paid on a US payroll.

You are eligible for Company matching contributions if you elect to contribute and have completed one year of vesting service. You are eligible for fixed Company contributions if you are in an eligible participating company (eligible participating companies include all MMC companies except Marsh & McLennan Agency LLC) and completed one year of Vesting Service. If you are a leased employee of Marsh & McLennan Companies and are subsequently hired by Marsh & McLennan Companies as a US regular or temporary employee or you participated in a merged plan, you may be eligible for Company contributions immediately.

You are not eligible to participate in the Plan if you are an employee of a non-participating company who is performing services for a US company, whose legal employer remains a non-participating company.

References in this document to "Marsh & McLennan Companies" means Marsh & McLennan Companies, Inc. and its subsidiaries and affiliates other than Marsh & McLennan Agency LLC and its subsidiaries and affiliates. Reference to "MMA" means Marsh & McLennan Agency LLC and its subsidiaries and affiliates. References to Marsh & McLennan Companies mean Marsh McLennan.