Benefits Handbook

Benefit Service under the Marsh & McLennan Companies Retirement Plan.

If you were an employee of ORC on the date of the acquisition (July 31, 2010) and met the Marsh McLennan eligibility requirements to participate on that date, you received Benefit Service under the Marsh & McLennan Companies Retirement Plan from July 1, 2010.

Vesting Service under the Marsh & McLennan Companies Retirement Plan

If you were (i) an employee of ORC on the date of the acquisition (July 31, 2010), and (ii) a participant in the Retirement Plan for Employees of Organization Resources Counselors, Inc. (the "ORC Plan'), you receive Vesting Service under the Marsh & McLennan Companies Retirement Plan for all vesting service credited to you under the ORC Plan.

If you were an employee of ORC on the date of acquisition (July 31, 2010) but were not an ORC Participant, you received Vesting Service under the Marsh & McLennan Companies Retirement Plan from your most recent date of hire with ORC.

If you were an ORC Plan Participant who was not employed by ORC on the date of acquisition (July 31, 2010) and became eligible to participate in the Marsh & McLennan Companies Retirement Plan after July 31, 2010, you will receive Vesting Service under the Marsh & McLennan Companies Retirement Plan for all vesting service credited to you under the ORC Plan.

If you were (i) a former ORC employee, (ii) not an ORC Plan Participant, and (iii) not employed by ORC on the date of acquisition (July 31, 2010) and became eligible to participate in the Marsh & McLennan Companies Retirement Plan, you will be credited with Vesting Service under the Marsh & McLennan Companies Retirement Plan based upon your service with the Marsh McLennan World-wide Controlled Group.

Benefit Accrued under the Retirement Plan for the Employees of Organization Resources Counselors, Inc.

Benefits accrued under the Retirement Plan for the Employees of Organization Resources Counselors, Inc. (ORC Benefit), were frozen as of August 27, 2009. The ORC Benefit will be paid in addition to benefits accrued under the Marsh & McLennan Companies Retirement Plan for Benefit Service since July 1, 2010.

Effective as of July 1, 2013, the Retirement Plan for the Employees of Organization Resources Counselors, Inc. was merged into the Marsh & McLennan Companies Retirement Plan. Your ORC Benefit as of June 30, 2013 (frozen as of August 27, 2009) will be added to any benefit you accrued under the Marsh & McLennan Companies Retirement Plan. The total combined benefit will be payable from the Marsh & McLennan Companies Retirement Plan if you are vested when you leave the Company.

If you have an ORC Benefit and commence payments prior to age 65, your ORC Benefit will be reduced. The reduction will be 1/4 of one percent for each full month between the Benefit Commencement Date and the first day of the month coincident with or next following your 65th birthday.

If you continue to work beyond age 65, your ORC Benefit will be actuarially increased. If you continue to work beyond the calendar year in which you attain age 70-1/2, and are not a 5% owner of the Company, your ORC Benefit will automatically commence by the April 1st following the calendar year in which you terminate your employment with the Company.