The Plan at a Glance

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	Supplemental Savings & Investment Plan

	The Plan at a Glance

	Participating in the Plan

	How the Plan Works

	Company Matching Credits

	Your Deferrals

	Notionally Investing Your Account Balance

	When Benefits Are Paid

	How Benefits Are Paid

	How Benefits Are Taxed

	In Case of Your Death

	Leaving the Company

	Account Information

	Miscellaneous

	Glossary

The Plan at a Glance


Plan Feature	Highlights
Plan Type	The Supplemental Savings & Investment Plan is a non-qualified deferred compensation plan that allows eligible employees to accrue benefits for the future and coordinates with the tax-qualified 401(k) Savings & Investment Plan.
Eligibility	You are eligible to participate with respect to a particular Plan year if: you are classified on payroll as a U.S. salaried employee of MMC or any subsidiary or affiliate of MMC (other than CS Stars, LLC formerly Corporate Systems, Inc.), including any subsidiaries or successors in interest); your annual base pay exceeds the Compensation Limit; and you are a participant in the 401(k) Savings & Investment Plan. See "Participating in the Plan" for details.
Enrollment	Enrollment operates on a Plan year basis. You can enroll in the Plan: immediately upon hire if you meet the eligibility requirements. If you choose to enroll, you must do so within 30 days from your date of hire. during Annual Enrollment thereafter if you meet the eligibility requirements. See "How the Plan Works" for details.
Funding	The Supplemental Savings & Investment Plan is an unfunded plan. Payments are made from the Company's general assets or from a grantor trust ("rabbi trust"), the assets of which are subject to the claims of the Company's creditors in the event of the Company's bankruptcy or insolvency. Your right to payment under the Plan is the same as the right of an unsecured general creditor of the Company.
Deferrals and Credits	You can defer at a rate of 1% to 30% of eligible base pay you earn after you have reached applicable Compensation or Contribution limits under the 401(k) Savings & Investment Plan. The Company will allocate a core Company matching credit each pay period of 25% on the first 6% of your eligible base pay that you defer in a pay period to the Plan. The Company may also allocate a discretionary performance-based matching credit (an additional 0% to 75% matching credit on the first 6% of eligible base pay that you defer) annually in the first quarter following the end of the Plan year. See "Deferrals and Credits" for details.
Vesting	You are always 100% vested in all deferral amounts credited to your account under the Plan. You are fully vested in Company matching amounts credited to your account.
Notionally Investing Deferrals and Credits	Please note that your account under the Supplemental Savings & Investment Plan is an unfunded, "notional" arrangement. This means that MMC or your employer do not make actual "deposits" to an account in your name. Your account, for accounting and computational purposes, simply tracks the contributions credited to your account and tracks the notional investment results of your account as if your account had actually been involved in the notional investment options you select. You can notionally invest your account in any notional fund offered under the Plan. Your deferrals can be allocated to notional investments other than notional shares of MMC stock. You can change the notional investment direction of future deferrals and Company Matching Credits You may not diversify any amounts that are credited to your accounts as notional shares of MMC stock. You may move all or portions of your existing account balance that is not invested in notional shares of MMC stock to any or all of the other notional investment options offered by the Plan. See "Notionally Investing Your Account Balance" for more details.
When Benefits are Paid	You are entitled to payment of your Plan account after you: terminate employment for any reason (including termination by reason of retirement) with Marsh & McLennan Companies, Inc. and affiliated employers, are approved for benefits under the MMC Long Term Disability Plan in accordance with that plan's provisions and received benefits under that plan for six months (There are certain Plan rules that apply to your pre-2005 account), or die, without regard to when you receive a 401(k) Savings & Investment Plan distribution. See "When Benefits Are Paid" for details.
Contact Information	For more information, contact the: Marsh & McLennan Companies, Inc. Supplemental Savings & Investment Plan c/o MMC Global Benefits – 6th Floor Waterfront Corporate Center 121 River Street Hoboken, New Jersey 07030 MMC Employee Service Center Phone: 1-866-374-2662