Marsh & McLennan Companies 401(k) Savings & Investment Plan

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This is a defined contribution plan under which accounts are maintained for each participant. The plan qualifies as both a stock bonus 401(k) savings plan and an employee stock ownership plan.

The Plan year is January 1-December 31.

The Plan Sponsor is:

The Plan covers employees of participating employers who are at least 18 years of age, and classified on payroll as U.S. salaried employees of MMC or any subsidiary or affiliate of MMC (other than Kroll) or classified as a regular employee of Kroll or any subsidiary or affiliate of Kroll.

You may write to the Plan Administrator to learn which employers participate in this plan.

The Plan Administrator is Marsh & McLennan Companies, Inc. Benefits Administration Committee and can be reached at:

The Plan Administrator has full discretion and authority to control and manage the operation and administration of the plan.

The 401(k) Savings & Investment Plan is funded through Company and employee contributions. The assets under the 401(k) Savings & Investment Plan are held in a tax-exempt trust by the following:

The investment options currently available for investment are listed in the 401(k) Savings & Investment Plan section in this Benefits Handbook. Current prospectuses and certain other financial information about these funds are available on request.

The Plan provides that certain expenses of investment and administration, including fees for third-party service providers, may be paid out of Plan assets. Refunds of Section 12b-1 and other similar fees may be applied towards these expenses. The Plan Administrator will determine how to reasonably allocate these expenses among accounts.

For filing a claim:

For appealing a claim: