Retirement Plan Balances and Holdings
Benefits OnLine brings employer-sponsored benefit plan information into one mobile account view. Eligible Merrill clients can check current balances, review detailed holdings, and look through account history without waiting to return to a computer. An interactive Account Summary turns those figures into a quicker overview, making it easier to understand how plan assets are arranged and how the account has changed over time.
Users may also display linked Merrill investment and Bank of America account balances alongside benefit plan accounts when those relationships are available. Keeping these figures together supports routine check-ins, whether someone is reviewing retirement savings during a break or preparing for a more detailed planning conversation.
Contributions, Investments, and Plan Transactions
Account management goes beyond reading balances. Benefits OnLine lets eligible participants manage investments and update contribution rates for supported employer plans, so recurring savings choices can be reviewed from Android. The app also provides paths for requesting a plan loan, withdrawal, or rollover when those transactions are offered under the user's plan.
Availability and rules depend on the employer-sponsored plan, account status, and Merrill eligibility requirements. That makes the app most useful as a secure starting point: users can identify the action they need, review the plan information shown for their account, and continue through the applicable request flow instead of treating every plan as if it follows the same options.
Market Watchlists, Alerts, and Online Delivery
Benefits OnLine includes financial information tools that help participants place their plan in a wider market context. Users can review U.S. and global market data, monitor major securities, and add selected securities to a device watchlist. These tools give market-aware users a convenient way to follow movement around the investments they already track.
For ongoing account maintenance, My To-Do List and Alert messages surface tasks and notices that may require attention. Users can also choose online delivery for statements and confirmations, reducing reliance on paper mail and keeping important documents tied to the account. Together, watchlists, alerts, and digital delivery make the app useful for recurring reviews rather than only occasional balance checks.
Secure Sign-In and Everyday Account Access
Benefits OnLine is designed for existing clients who can access benefits.ml.com. The sign-in flow uses a User ID and password, with options to save the User ID, recover forgotten credentials, create online access, or contact support. Eligible Android devices can also use fingerprint or biometric sign-in after setup, reducing repeated password entry while keeping account access connected to the device.
The mobile app focuses on frequently needed plan and account tasks, while some services remain available only through the Benefits OnLine website. This split suits users who want quick access to balances, alerts, investments, and plan requests on the go but are comfortable switching to the website for functions not included in the mobile experience.
