Benefits Handbook

If as a new participant, you do not make a notional investment direction election, your future deferrals and Company credits (if applicable) will be notionally invested automatically in one of the BlackRock LifePath Dynamic Funds (the BlackRock LifePath Dynamic Fund that most closely matches your retirement year – based on the Plans' normal retirement age of 65).

You can change the investment directions for future deferrals and Company credits or transfer or reallocate the portion of your account in investment options other than Marsh & McLennan Companies Stock Units.

Remember that you can never diversify the portion of your account credited with Marsh & McLennan Companies Stock Units.