Benefits Handbook

Financial Engines Advisors L.L.C. ("FEA"), 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 three levels of advisory service offerings: Online Advice, Professional Management, and Personal Advisor. These three offerings provide a range of services based on your needs – from Online Advice which is a do-it-yourself online retirement planning option, to Professional Management where Edelman Financial Engines will manage and monitor your 401(k) account and/or Individual Retirement Account (IRA), to Personal Advisor where you work one-on-one with a dedicated personal advisor who handles your entire financial picture—not just retirement. The Professional Management program and Personal Advisor are fee-based options.

If you choose to participate in any of these three Edelman Financial Engines programs with respect to the Marsh & McLennan Companies 401(k) Savings & Investment Plan or the Marsh & McLennan Agency 401(k) Savings & Investment Plan then Edelman Financial Engines will also take your benefit under the Supplemental Savings & Investment Plan into account when providing you with their advisory service.

For information on how the Edelman Financial Engines services work with the Plan, call +1 800 601 5957 or: