Marsh & McLennan Companies Retirement Plan

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The Retirement Plan is a funded, tax-qualified defined benefit pension plan under which benefits are determined under a formula and contributions are actuarially determined. The Benefit Equalization Plan and Supplemental Retirement Plan are non-qualified defined benefit plans which are excess benefit plans or plans for a select group of management or highly-compensated employees.

The Plan year is January 1-December 31.

The Plan Sponsor is:

In addition to eligible employees of Marsh & McLennan Companies, Inc., the employee benefits plan described in this document covers employees classified on payroll as a U.S. salaried employee (including U.S. expatriates) of MMC or any related company that is a participating company in the Plan. Participating companies include MMC and all its subsidiaries and affiliates other than (with some exceptions for grandfathered participants) (i) Kroll, Inc. and its subsidiaries, (ii) CS Stars, LLC (formerly Corporate Systems, Inc.), and (iii) Mercer Human Resource Services, including Mercer HR Outsourcing, LLC and Mercer Trust Company.*

*Certain employees of Mercer HR Services who were formerly Mercer HR Consulting employees were given the opportunity to continue participation in the Plan or to elect participation in the Mercer HR Services Retirement Plan.

Individuals classified on payroll as hourly employees, student interns, employees in Puerto Rico, leased employees, U.S. citizens (or non U.S. citizens working in the U.S.) covered by a Company retirement plan in another country, any employee of a non-participating company who is loaned to a U.S. participating company, or individuals who are compensated as independent contractors are not eligible to participate.

The Plan provides for administration by a Committee (consisting of three or more persons appointed by Marsh & McLennan Companies' Chief Executive Officer or Board of Directors). The Committee members may be removed at any time with or without cause. The Committee has full power and authority to administer the plan in its complete discretion.

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 each of the plans except to the extent authority has been granted to the Claims Administrator for adjudication of claims.

The tax qualified Retirement Plan is funded entirely through Company contributions and investment gains. Expenses not paid by the Company may be paid from the trust. The assets under the Retirement Plan are held in a tax-exempt master trust by the following:

An Investment Committee of 3 or more persons is appointed by the Chief Executive Officer of the Company or the Board to manage and supervise Plan Investments.

For filing a claim:

For appealing a claim: