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