Benefits Handbook

Alight Financial Advisors ("AFA"), an independent federally registered investment advisor, provides retirement advice and planning services. If you have an account balance in the Marsh & McLennan Companies 401(k) Savings & Investment Plan or the Marsh & McLennan Agency 401(k) Savings & Investment Plan, you have access to their two levels of advisory service offerings: Online Advice and Professional Management. These two offerings provide a range of services based on your needs – from Online Advice which is a do-it-yourself online retirement planning option and Professional Management where Alight Financial Advisors will manage and monitor your 401(k) account. If you choose to participate in the Online Advice and/or Professional Management options with respect to the Marsh & McLennan Companies 401(k) Savings & Investment Plan or the Marsh & McLennan Agency 401(k) Savings & Investment Plan, then AFA will also take your benefit under the Supplemental Savings & Investment Plan into account when providing these 401(k)-related advisory services.

In addition, AFA provides access to Personal Advisor provided by Edelman Financial Engines. This program offers personalized investment management of your outside assets from Edelman Financial Engines advisors. The Professional Management program and Personal Advisor are fee-based options.

For information on how the Alight Financial Advisors services work with the Plan, call +1 866 374 2662 or: