Benefits Handbook

If you are at least 18 years of age, you become eligible to make employee contributions to the Plan as soon as you begin employment with MMA or any subsidiary or affiliate of MMA, and are paid on a US payroll.

You are eligible for Company matching contributions if you elect to contribute to the Plan and have completed one year of vesting service. If you are a leased employee of MMA and are subsequently hired by MMA as a US employee or you participated in a plan that is merged into the Plan, you may be eligible for Company matching contributions immediately.

You are not eligible to participate in the Plan if you are an employee of an MMA company that is a non-participating company.

Reference 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. Reference to "Company" means MMA. References to Marsh & McLennan Companies mean Marsh McLennan.