Merrill Lynch Retirement and Benefits makes it as difficult as possible to get your money. They conveniently blame everything on your employer ("they set the plan up this way"). I say ML helped my employer set the plan up this way. Nothing moves fast at ML. NASA can send 4 people around the moon and back in the same amount of time it takes ML to process a check and get it to me. Unless of course I want to pay them $25 in which case they can do it faster. Customer Service (once you actually reach a human being) is simply trained to defend set-ups (blame the employer) and keep your money for longer. I will be glad to get my money out of there. read more

This is the most incompetent company I've had to deal with. Hold times are almost always more than an hour. When you finally get hold of someone their job is to refuse you help. I was actually told Merrill Lynch is not responsible for getting my check to me. read more