Excerpt: As the financial industry suffers yet another black eye from Elliott Spitzer's investigation of Marsh's insurance brokerage unit, it's worthwhile speculating how the fall-out could affect the retirement industry. Marsh is accused of rigging bids on insurance RFPs to keep prices artificially high while rewarding those insurance carriers paying placement fees and the largest over-ride commissions. Of Marsh's 2003 $1.5 billion in profit, $800 million came from these fees and commissions.