2025-26 Benefits Guide - Fowler

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2025-26 Employee Benefits Guide

Contents

Dental Coverage - Anthem DPPO Plans

Important Information

Vision Coverage

Eligibility and Changes During The Year

Flexible Spending Account (FSA) - Health FSA

Medical Coverage

Flexible Spending Account (FSA) - Dependent Care

Find Your Preferred Providers

Basic Life & Supplemental Term Life Insurance

Anthem Member Resource Center

Short-Term and Long-Term Disability

Anthem Health & Wellness Resources

Employee Assistance Program (EAP)

Anthem HMO & EPO Options - Plan Details

Directory & Resources

Anthem PPO Options - Plan Details

Notes

Health Savings Account (HSA)

Cost of Coverage

Dental Coverage

Annual Notices

Glossary of General Definitions For general definitions of common terms, such as allowed amount, balance billing, coinsurance, copayment, deductible, provider, or other terms see the online glossary at https://www.healthcare.gov/sbc-glossary/ or call 1-866-444-3272 to request a copy.

We are pleased to provide you with our Employee Benefits Guide We are committed to providing you and your eligible dependents with a comprehensive benefits package that will meet your evolving needs. With respect to our employee benefits, our goal is to implement options, programs and resources which supports your total wellness: physical, mental and financial. We also aim to: • Offer cost-effective coverage • Provide meaningful programs and plan designs • Maintain quality health care options • Remain competitive with our benefits package

We are proud to offer a range of benefits to our employees. This Employee Benefits Guide can assist you in understanding your choices of coverage and resources available to you. We have included an overview of each option, along with plan summaries and cost comparisons. We recognize that benefit selections are a personal decision and that health care costs have continued to rise on a national level. With these factors in mind, we have made every effort to design a benefits package that fits your lifestyle and rewards your contribution to our company’s success. We encourage you to spend time reviewing the enclosed information in order to learn more about the benefits we are offering and appropriately select options that best suit you and your needs.

2 Benefits Guide 2025-26

Important Information

The Affordable Care Act and You ACA Compliant Medical Plans The Affordable Care Act (ACA) establishes several medical standards aimed at improving healthcare quality and accessibility. All the medical plans offered meet these standards. California Individual Mandate Bill Text - SB-78 Health. (ca.gov) effective January 1, 2020, a state individual mandate that requires California residents to maintain acceptable health coverage or pay a penalty. Federal Individual Mandate: The Federal Individual Mandate, the Affordable Care Act (ACA) requirement that nearly every American be enrolled in medical coverage or pay a penalty, has been repealed effective in 2019 .

The Health Insurance Marketplace Because Inline Distributing Company medical plans are considered affordable and meet minimum value under Health Care Reform, you will not generally see lower premiums or out- of-pocket costs through the Marketplace. In addition, employer contributions to your medical benefits will be lost if you choose to purchase coverage through the Marketplace, and your portion of medical premiums will no longer be paid via payroll deductions. For more information on your coverage options, please visit Still need health insurance? | HealthCare.gov.

Section 125 “Cafeteria Plan” The Section 125 “Cafeteria Plan” is just a document that describes the specific ways in which the employer is allowing employees to take advantage of pre-tax deduction options. Section 125 is the section of the IRS tax code where the items that can be deducted from employee pay on a pre-tax basis are defined. In the context of Section 125, “pre-tax” means that a deduction is exempt from Federal Income Tax Withholding, Social Security and Medicare Taxes. Employers may deduct the employee’s portion of the company- sponsored insurance premium directly from said employee’s paycheck before taxes are deducted .

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Eligibility and Changes During The Year

Who May Enroll All regular, full-time, active employees working 30 or more hours per week are eligible to participate in the benefits program. Eligible employees may also choose to enroll their dependent(s). Dependents are considered eligible if they are: • A spouse or domestic partner* • You or your spouse’s children, stepchildren, adopted children or foster children up to age 26 • You or your spouse’s children of any age if they are incapable of self-support due to a physical or mental disability * Imputed Income Applies When Coverage Begins

Once enrolled, your enrollment choices remain in effect for the benefits plan year, November 1st through October 31st of the following year. Benefits for eligible new hires start on the first of the month following your date of hire and continue for the rest of the plan year. Employees have an annual open enrollment period, meaning you are able to take action and enroll, change or cancel your existing enrollment in any of your benefits. If you miss the open enrollment period, you will continue with your current elections.

Changes During the Year If you experience an IRS qualifying life event midyear, you can make changes to your benefits within 30 days from the date of the event. Submit your Qualifying Life Event (QLE) with the necessary supporting documentation to HR as soon as possible for approval within 30 days of the life event. Once approved, you will then be able to make your plan elections in the enrollment portal. If your change during the year is a result of the loss of eligibility or enrollment in Medicaid, Medicare or state health insurance programs, you must submit the request for change within 60 days.

Examples of IRS qualified life events: • Marriage, divorce or legal separation • Birth or adoption of a child • Death of a dependent • A change in part-time or full-time employment status. (Note: If changing from full-time to part-time

status, full-time only eligible benefits will be terminated at the end of the of the month of the change.) • You or your spouse/domestic partner lose or gain coverage through our organization or another employer

• Change in residence affecting eligibility or access

• Loss of eligibility due to Medicaid, Medicare or state health insurance programs For a complete list of IRS QLE’s, contact HR or the Acrisure team.

Open Enrollment Process & Paying For Coverage This enrollment process is 100% electronic. All product brochures, required forms and notices are included in the online enrollment portal: pps.bswift.com . Based on your benefit elections and coverage levels, you may be required to pay for a portion of the cost via payroll deduction. The per paycheck costs are calculated for you in the enrollment portal. You can, of course, decline or “waive” your company provided benefits.

Download the mobile app for our enrollment system by scanning the QR code.

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Medical Coverage

Your Medical Plan Options The medical options available are provided by Anthem Blue Cross. To help guide your plan selection, the following pages include details concerning how the plans will operate, as well as plan highlights and features. The rates for any coverage will be found in the online enrollment system and at the end of the guide. Using an HMO Plan A Health Maintenance Organization (HMO) plan requires you to see physicians that are only in network, and you will need to identify a primary care physician (PCP) to direct your use of the network and provide referrals to specialists and other in network services. • With the exception of an OB/GYN specialist who is affiliated with your selected medical group, you must receive a referral from your PCP before receiving services from a specialist • You and your enrolled dependent(s) are not required to see the same PCP, and you may change your PCP monthly, with the new PCP becoming effective on the first of the month following the change • Services may require a co-pay up front • You do not have to submit claim forms • Any services rendered out-of-network without the proper referral from your PCP will not be covered • Preventative is covered 100% Using an EPO Plan An Exclusive Provider Organization (EPO) is a health insurance plan that only allows you to get health care services from doctors, hospitals, and other care providers who are within a certain network. Your insurance will not cover any costs you get from going to someone outside of that network. The only exception is that emergency care is usually covered. Generally, an EPO operates as follows: • EPO plans only cover the cost at doctors or health providers that are within your network • Emergency care is covered, even if it’s out of your network • You do not need a referral if you want to see a specialist with EPO insurance • An EPO is a hybrid between an HMO and PPO plan

Using a PPO Plan A Preferred Provider Organization (PPO) medical plan allows you to see physicians both in network and out of network. You will pay a different fee to see doctors and/or hospitals outside of the network. Generally, a PPO operates as follows: • You may see an in-network doctor or you may go outside of the network for a higher copay. • Some services may still require authorization from a specific doctor or specialist before they may be covered. • Be sure to ask your physician/hospital if they are “in- network” to take advantage of the lower coinsurance. • Services may require a copay up front. • If your physician does not bill the carrier directly, you may submit claim forms for reimbursement if services are medically necessary. Calendar Year Deductibles and Out-of-pocket Maximums The calendar year deductible as well as each plans Out-of- Pocket maximum, aligns with the Calendar Year (January 1st - December 31st); they do not reset on the Benefit Plan Year (November 1st - October 31st). Selecting a Plan that is Right for You As you evaluate your health plan options and insurance needs, consider the following factors: • CHOICE: If you prefer to obtain services from specific physicians, specialists or facilities, check to see if the medical plan option will cover services from those providers. While some health plans restrict your provider selection, others provide greater flexibility and choice • CO VERAG E: Whether routine, surgical, prescription or another type of coverage, determine if the plan covers the services and medical treatments you value most. Plan exclusions, restrictions and limitations may also influence your selection • COST: Cost may be a large determining factor in your selection and each plan may contain a variety of cost components. Consider the amount of your payroll deduc- tion, as well as other plan expenses such as deductibles, copayments or coinsurance You are encouraged to review the complete Summary Plan Descriptions (SPD) of each plan. Do you have questions regarding a plan? To correspond with a plan representative, refer to the Directory & Resources section for important contact information.

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Find Your Preferred Providers

How to Find Your Preferred Providers With Anthem’s comprehensive provider participation, many of your preferred doctors may already be in the network. To verify whether or not a doctor or health care facility participates in the desired Anthem plan, follow the steps below: Step #1: Visit https://www.anthem.com/ca/find-care/ and make sure the correct State is selected. Step #2: Click on “Basic search as a guest” to continue and enter the needed information before you click the “Continue” button. • For the Elements Choice or Classic HMO Plans - Choose the “California Care HMO ” network • For the EPO Plan - Choose the “EPO” network • For the PPO Plans - Choose the “Prudent Buyer PPO ” network Step #3: You are now in Care Provider search area and will need to enter the zip code, doctor name, hospital, procedure or other infor - mation for find the person or location you want. You can also click on any of the links if that is easier. If you are looking for a primary care physician for an HMO, you will need to know their PCP ID which is found once you identify the physician.

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Anthem Member Resource Center

Sydney Health ℠ App The Sydney Health app is a free Anthem Blue Cross app that gives you fast and convenient access to your health insurance information right on your phone. It’s like having a personal health assistant in the palm of your hand. • Find a doctor • Manager Your Claims • Compare Care & Costs • Access Your ID Card • Ask questions using live chat • Check and manage your benefits • Refill your prescriptions • Receive virtual care over chat or video • Find personalized action plans on My Health Dashboard The app is available for both Apple and Android phones. Download the free Sydney Health app for your device. https://www.sydneyhealth.com/ Member Resources Website Navigating the world of health insurance is easier when you have the right resources to answer your questions. What is a health insurance claim? How does telehealth work? Can I manage my health insurance through an app? We put together a series of articles to answer just those questions and help you get the most out of your Anthem plan. Connecting you with quality care and helpful guidance. Your Anthem Member Resources website, https://www.anthem. com/ca/member-resources , helps you understand your benefits so you can make the most of your plan. Register for your account here once you have your medical identification number, which you will received once you enroll and the plan becomes active.

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Your Anthem plan also offers extras to help you save money and feel your best. Enjoy wellness discounts, convenient walk-in clinic visits, digital tools to manage your care and more. Anthem Health & Wellness Resources Visit: https://www.anthem.com/blog/ for: • Member news • Health Habits tips

Visit: https://www.anthem.com/mental- health for: • Taking control of anxiety • Talking about Mental Health • Managing Stress • Connecting to Mental Healthcare • How to help someone at risk for suicide • And more!

Visit: https://www.anthem.com/medi- care/learn-about-medicare for: • What Medicare is, including its main parts • When and how to sign up • Your options for more coverage • How to transition from an employ- er plan to Medicare • And more!

• Volunteering suggestions • Health Insurance Basics • Living Healthy Information • And more!

Virtual Visits via LiveHealth Online Virtual Visits from online provider LiveHealth Online for urgent/acute medical and mental health and substance use disorder care via www.livehealthonline.com are covered at $55 or less, with many at no charge. See a doctor for these conditions and more: • Flu • Minor rashes • Tooth pain

• Pink eye • Allergies

• Cold & fever • Sore throat • Skin infections • Headache • Diarrhea • And more!

Get The Free App Use LiveHealth Online whether you’re at home, at work, or on the go. Download it whereever you download apps for either your android or apple phone.

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Anthem HMO & EPO Options - Plan Details

Elements Choice HMO 1500

Plan Highlights In-network Coverage Only

EPO 3000

Classic HMO

Available Where? Network Name HSA Compatible?

California Only

Non-California

California Only

California Care HMO

EPO

California Care HMO

Annual Plan Deductible

$1,500 per covered member

$3,000 / $6,000

$0 / $0

Individual / Family Annual Out-of-Pocket Maximum

$6,400 / $12,800

$7,350 / $14,700

$2,500 / $5,000

Individual / Family Professional Services PCP Office Visits

$25 copay per visit $50 copay per visit

$40 copay per visit $60 copay per visit

Specialist Visits

Preventive Care Exams Diagnostic Lab and X-Ray Radiology (MRI / CT Scan) Rehabilitation Services

No charge No charge

$100 copay per visit $25 copay per visit

20% coinsurance after ded. 20% coinsurance after ded.

$100 copay per visit $40 copay per visit

Hospital Services

Inpatient Services

30% coinsurance after ded. 20% coinsurance after ded. 30% coinsurance after ded. 20% coinsurance after ded. $100 copay per trip 20% coinsurance after ded.

$750 copay per admit $375 copay per visit $100 copay per trip

Outpatient Surgery - ASC*

Ambulance

$250 copay after deductible then 30% $25 copay per visit

$150 copay after deductible then 20% $25 copay per visit

Emergency Room

$125 copay per visit

Urgent Care

$40 copay per visit

Prescription Drugs Rx Deductible (Ind./Family)

None

Generic (Tier 1a / 1b)

$5 /$15 copay

$5 / $5 copay

$5 / $15 copay

Preferred brand name - (Tier 2) Non-preferred brand name - (Tier 3) Mental Health / Substance Abuse Inpatient Services

$40 copay $60 copay

$20 copay $40 copay

$40 copay $60 copay

30% coinsurance after ded. 20% coinsurance after ded.

$750 copay per admit $40 copay per visit

Outpatient Services

$25 copay per visit

* Ambulatory Surgical Center (ASC)

The above information is a summary only.

Please refer to your Summary of Benefit Coverage (SBC) for details of plan benefits, limitations and exclusions.

Benefits Guide 2025-26 9

Anthem PPO Options - Plan Details

Plan Highlights In-network Coverage Only

Anthem PPO HDHP HSA 4000 Anthem Classic PPO 1500

Available Where? Network Name HSA Compatible?

All States

Prudent Buyer PPO

Yes

Annual Plan Deductible

$4,000 / $8,000

$1,500 / $4,500

Individual / Family Annual Out-of-Pocket Maximum

$7,000 / $14,000

$5,000 / $10,000

Individual / Family Professional Services PCP Office Visits

20% coinsurance after deductible 20% coinsurance after deductible

$40 copay per visit $60 copay per visit

Specialist Visits

Preventive Care Exams Diagnostic Lab and X-Ray Radiology (MRI / CT Scan) Rehabilitation Services

No charge

20% coinsurance after deductible 20% coinsurance after deductible 20% coinsurance after deductible 20% coinsurance after deductible 20% coinsurance after deductible 20% coinsurance after deductible 20% coinsurance after deductible 20% coinsurance after deductible

20% coinsurance after deductible 20% coinsurance after deductible 20% coinsurance after deductible

Hospital Services

Inpatient Services

20% coinsurance after deductible 20% coinsurance after deductible 20% coinsurance after deductible $150 copay after deductiblel then 20%

Outpatient Surgery - ASC*

Ambulance

Emergency Room

Urgent Care

$40 copay per visit

Prescription Drugs Rx Deductible (Ind./Family)

Overall deductible must be met first $5 /$15 copay after deductible

None

Generic (Tier 1a / 1b)

$5 / $20 copay

Preferred brand name - (Tier 2) Non-preferred brand name - (Tier 3) Mental Health / Substance Abuse Inpatient Services

$40 copay after deductible $60 copay after deductible

$30 copay $50 copay

20% coinsurance after deductible 20% coinsurance after deductible

20% coinsurance after deductible

Outpatient Services

$40 copay per visit

* Ambulatory Surgical Center (ASC)

The above information is a summary only.

Please refer to your Summary of Benefit Coverage (SBC) for details of plan benefits, limitations and exclusions.

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Health Savings Account (HSA) Health Savings Account Why should I choose a health savings account (HSA)? Health Savings Account Why should I choose a health savings account (HSA)? An HSA is a benefit that allows you to choose how much of your paycheck you’d like to set aside, before taxes are taken out, for healthcare expenses or use as a retirement savings tool. This plan offers tax savings that a 401(k) and IRA don’t, making it a powerful option for diversifying your retirement portfolio. An HSA is a benefit that allows you to choose how much of your paycheck you’d like to set aside, before taxes are taken out, for healthcare expenses or use as a retirement savings tool. This plan offers tax savings that a 401(k) and IRA don’t, making it a powerful option for diversifying your retirement portfolio.

What does it cover? There are thousands of eligible items. The list includes but is not limited to: • Copays, coinsurance, insurance premiums • Doctor visits and surgeries • Over-the-counter medications (first aid, allergy, asthma, cold/flu, heartburn, etc.) • Prescription drugs • Birthing and lamaze classes • Dental and orthodontia • Vision expenses, such as frames, contacts, • Copays, coinsurance, insurance premiums • Doctor visits and surgeries • Over-the-counter medications (first aid, allergy, asthma, cold/flu, heartburn, etc.) • Prescription drugs • Birthing and lamaze classes prescription sunglasses, etc. • Dental and orthodontia • Vision expenses, such as frames, contacts, View our searchable list of eligible expenses at www.wexinc.com/insights/ benefits-toolkit/eligible- expenses/ View our searchable list of eligible expenses at www.wexinc.com/insights/ benefits-toolkit/eligible- expenses/ What does it cover? There are thousands of eligible items. The list includes but is not limited to: prescription sunglasses, etc.

It’s yours Think of your HSA as a personal savings account. Any unspent money in your HSA remains yours, allowing you to grow your balance over time. When you reach age 65, you can withdraw money (without penalty) and use it for anything, including non-healthcare expenses. Flexibility Save for a rainy day. Invest for your future retirement. Or spend your funds on qualified expenses, penalty free. Flexibility Save for a rainy day. Invest for your future retirement. Or spend your funds on qualified expenses, penalty free. Easy to use Swipe your benefits debit card at the point of purchase. There is no requirement to verify any of your purchases. We recommend keeping any receipts in case of an IRS audit. Smart savings The HSA’s unique, triple-tax savings means the money you contribute, earnings from investments and withdrawals for eligible expenses are all tax-free, making it a savvy savings and retirement tool. Smart savings The HSA’s unique, triple-tax savings means the money you contribute, earnings from investments and withdrawals for eligible expenses are all tax-free, making it a savvy savings and retirement tool. Investment options You can invest your HSA funds in an interest-bearing account or our standard mutual fund lineup. Savvy investors may opt for a Health Savings Brokerage Account powered by Charles Schwab, giving you access to more than 8,500 mutual funds, stocks and bonds. Investment options You can invest your HSA funds in an interest-bearing account or our standard mutual fund lineup. Savvy investors may opt for a Health Savings Brokerage Account powered by Charles Schwab, giving you access to more than 8,500 mutual funds, stocks and bonds. It’s yours Think of your HSA as a personal savings account. Any unspent money in your HSA remains yours, allowing you to grow your balance over time. When you reach age 65, you can withdraw money (without penalty) and use it for anything, including non-healthcare expenses. Easy to use Swipe your benefits debit card at the point of purchase. There is no requirement to verify any of your purchases. We recommend keeping any receipts in case of an IRS audit.

Can I enroll? You must be enrolled in a high-deductible health plan (HDHP) in order to enroll in the HSA. You’re not eligible for an HSA if: • You’re claimed as a dependent on someone else’s taxes. • You’re covered by another plan that conflicts with the HDHP, such as Medicare, a medical flexible spending account (FSA) or select health reimbursement arrangements (HRAs). • You or your spouse are contributing to a medical FSA. Can I enroll? You must be enrolled in a high-deductible health plan (HDHP) in order to enroll in the HSA. You’re not eligible for an HSA if: W013 What Are The HSA Contribution Limits? The IRS set the 2025 HSA contribution limits to $4,300 for self-only HSAs and to $8,550 for family HSAs. The 2026 HSA contribution limits will be $4,400 and $8,750 respectivly. Additional details are available online in the enrollment system. HSA participants who are 55 years of age or older can contribute an extra $1,000 annually. That means these HSA participants eligible for catch-up contributions have 2026 limits of $5,400 for self-only and $9,750 for family coverage. Does The Company Make A Contribution Into My HSA? Yes! If you enroll in an HSA plan, the company will contribute $50 per paycheck throughout the year, up to $1,200 annually! • You’re claimed as a dependent on someone else’s taxes. • You’re covered by another plan that conflicts with the HDHP, such as Medicare, a medical flexible spending account (FSA) or select health reimbursement arrangements (HRAs). • You or your spouse are contributing to a medical FSA.

W013

Benefits Guide 2025-26 11

Dental Coverage

Your Dental Plan Options You and your eligible dependents will have the opportunity to enroll in one of the three Dental Preferred Provider Organization (PPO) plans offered by Anthem. We encourage you to review the coverage details and select the option that best suits your needs. Using the Dental PPO Plan Any of the Dental PPO (DPPO) plans are designed to give you the freedom to receive dental care from any licensed dentist of your choice. Keep in mind, you’ll receive the highest level of benefit from the plan if you select an in-network PPO dentist versus an out-of-network dentist who has not agreed to provide services at the negotiated rate. Additionally, no claim forms are required when using in- network PPO dentists. There are three DPPO plans to choose from, with “Low”, “High”, and “Premium” all with different calendar year maximum benefit amounts. How To Find your Provider Using Anthem’s website, https://www.anthem.com/find-care/, you can find a provider/dentist near a city or zip code close to you. You will also be asked which dental network to search in, so chose the “Dental Complete” network.

TIPS FOR A HEALTHY MOUTH

• Use a soft-bristled toothbrush • Choose toothpaste with fluoride • Brush for at least two minutes twice a day • Floss daily • Watch for signs of periodontal disease such as red, swollen, or tender gums • Visit a dentist regularly for exams and cleanings

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Dental Coverage - Anthem DPPO Plans

DPPO “LOW”

DPPO “HIGH”

DPPO “PREMIUM”

Plan Highlights

Out-of- Network*

In-Network

Annual Calendar Year Deductible Individual / Family

$50 / $150 $75 / $225 $50 / $150 $75 / $225 $50 / $150 $50 / $150

$1,000 per covered member

$1,500 per covered member

$5,000 per covered member

Annual Maximum Benefit

Preventive Services • Oral examinations, X-rays, Cleanings • Topical fluoride treatment

Plan reimburses

Plan reimburses 100% of MAC**; deductible waived Plan reimburses 80% of MAC**; after deductible Plan reimburses 50% of MAC**; after deductible

Plan pays 100%; deductible waived

100% of the 90th

(through age 14, one per calendar year) • Sealants (through age 14, one per tooth in 60 months) Basic Services • Anesthesia • Amalgam & composite fillings • Periodontal Maintenance • Repair & Maintenance of Crowns, Bridges, & Dentures • Root Canal • Periodontal Scaling & Root Planning • Oral surgery - simple extractions Major Services (excludes orthodontia services) • Bridgework • Dentures • Inlays and Onlays • Single Crowns

percentile*; deductible waived

Plan reimburses 80% of the 90th percentile*; after deductible Plan reimburses 30% of the 90th percentile*; after deductible

Plan reimburses 80% of the 90th percentile*; after deductible Plan reimburses 50% of the 90th percentile*; after deductible

Plan pays 80%; after deductible

Plan pays 30%; after deductible

Plan pays 50%; after deductible

Children Only Plan pays 50% up to $1,000 per covered member; once a lifetime

Adults & Children Plan pays 50% up to $1,500 per covered member; once a lifetime

Orthodontia • Lifetime Maximum

Not covered

(Children up to age 26)

* Since, by definition, many dentists’ usual fees are below the 90th percentile fee, reimbursement is always based on the lesser of the dentist’s billed fee for a given procedure or the 90th percentile fee. This means that 90 percent of dentists’ billed fees will be covered in full relative to the group plan ** The reimbursement for services provided by an out-of-network dentist is capped at the Maximum Allowable Charge (MAC). For example, if you visit an out-of-network dentist who charges $150 for a cleaning (covered at 100%), but the MAC is set at $100, insurance will cover $100 and you will be responsible for the remaining $50 coinsurance level.

The above information is a summary only. Please refer to your Evidence of Coverage for complete details of Plan benefits, limitations and exclusions.

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Vision Coverage

Your Vision Plan Options There are two Vision plans to choose from. As with a traditional PPO, you may take advantage of the highest level of benefit by receiving services from in-network vision providers and doctors. You would be responsible for a co-payment at the time of your service. However, if you receive services from an out-of- network doctor, you may pay all expenses at the time of service and submit a claim for reimbursement up to the allowed amount. How To Find an In-network Provider You have many choices when it comes to using your benefits. You may choose from many private practice doctors, local optical stores, and national retail stores including LensCrafters®, Target Optical®, Sears Optical® and JCPenney® Optical. You may also use your in-network benefits to order eyewear online at Glasses.com and ContactsDirect.com. To locate a participating network eye care doctor or location, go to https://www.anthem.com/ca/find-care/ . You may also call member services at 1-866-723-0515. If you choose to, you may instead receive covered benefits outside of the Blue View Vision network. Just pay in full at the time of service, obtain an itemized receipt, and file a claim for reimbursement up to your maximum out-of-network allowance.

Blue View “Low” Plan In-network

Blue View “High” Plan In-network

Out-of-Network Either Plan Reimbursed up to $49 Reimbursed up to $50 Low - Every 24 months High - Every 12 months

Plan Highlights

Exam - Every 12 months

$10 copay

$130 allowance and 20% off any amount over the allowance Every 24 months

$130 allowance and 20% off any amount over the allowance Every 12 months

Frames

Lenses (per pair) - Every 12 months

Single Vision

$10 copay

Reimbursed up to $35

Bifocal

$10 copay

Reimbursed up to $49

Trifocal

$10 copay

Reimbursed up to $74

Contacts (In lieu of glasses) - Every 12 months Conventional (non-disposable)

$130 allowance and 15% off any amount over the allowance

Disposable

$130 allowance

Medically Necessary

100% covered after $10

Reimbursed up to $250

Retinal Imaging

Not more than $39

No discount

Additional Savings through Anthem Savings on items like additional eyewear after your benefits have been used, non- prescription sunglasses, hearing aids and even LASIK laser vision correction surgery are available through a variety of vendors. https://www.anthem.com/ca/member- resources/wellness-programs. The above information is a summary only. Please refer to your Evidence of Coverage for complete details of Plan benefits, limitations and exclusions.

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Flexible Spending Account (FSA) - Health FSA If you did not elect the HSA medical plan, a Health (or Medical) Flexible Spending Account (FSA) is a great cost savings tool that can help with common medical, dental, or vision expenses. You elect a portion of your salary to be deducted, on a pre-tax basis, from each paycheck to use for reimbursements of qualified out-of-pocket expenses throughout the plan year. If you elected the HSA Medical Plan, you cannot enroll in the Health FSA How a Health FSA Works A Health FSA may be used for the reimbursement of eligible medical, dental, or vision expenses for you, your spouse or dependents (as defined by Federal tax law), up to the amount you elect to contribute to the FSA for the year. The IRS set the 2025 maximum contribution at $3,300. The annual minimum contribution is $100. Deductions will be spread out in equal amounts, per paycheck, throughout the plan year. Due to the use or lose rule; it is important for you to carefully estimate your out-of-pocket expenses for the upcoming plan year. Any amount remaining after the end of the plan year (10/31/2026), and grace period, will be forfeited. How Your WEX Card Works For easy access to your FSA funds, you can swipe your WEX debit card and avoid out-of-pocket costs. If you use your card at a provider with an Inventory Information Approval System (IIAS), the expense will automatically be approved at the point of sale. If the card is swiped at a merchant that meets the IRS’ 90% rule, you may need to provide documentation to show the expense is eligible. Access your online account from the Wex website at https://customer.wexinc.com/login/benefits-login/ . The card can be used at facilities and merchants participating in the Inventory Information Approval System (llAS). This list can be accessed at https://www.sig-is.org. Search Eligible Items Online - FSA Store FSAstore.com is everything flex spending with zero guesswork. It’s both the largest online marketplace for guaranteed FSA eligible products and an educational resource that you can actually understand. It’s the company’s mission to help millions of flexible spending account holders manage and use their FSAs and save on more than 4,000 health items using tax-free health money. Note: Although we accept FSA cards and most card purchases should auto-approve without you needing to submit further paperwork, your FSA administrator might require a receipt for your purchase to substantiate the claim. Check out the Learning Center for more FSA eligible tips and resources! Using Your Smartphone or Tablet Manage your FSA anywhere. Sign in to capture receipts, pay bills, search for qualified medical expenses and more.

Benefits Guide 2025-26 15

Flexible Spending Account (FSA) - Dependent Care A Dependent Care Flexible Spending Account (Dependent FSA) is a great cost savings tool to help with day care expenses for children under 13 or qualifying disabled spouse expenses. You can elect a portion of your salary to be deducted, on a pre-tax basis, from each paycheck to use for reimbursements of qualified out-of-pocket expenses throughout the plan year. How A Dependent Care FSA Works A Dependent Care Account is a simple way to save money on care for your dependents. It allows you to set aside pre-tax dollars to pay for day care expenses. The 2025 IRS limit for this type of account is $5,000. If you are married and file separate returns, you can each elect $2,500 for the calendar year. When choosing how much to set aside for dependent care, please note that any unused funds remaining in your Dependent Care Account at the end of your plan year (10/31/2026) will be forfeited. To be eligible for this account, both you and your spouse (if applicable) must work, be looking for work or be full-time students. You may receive reimbursement up to the balance in your account at the time the request is made. Eligible Dependents • Children under age 13 who are claimed as a dependent for tax purposes • Disabled spouse or disabled dependent of any age Ineligible Dependents • Costs claimed as a dependent care tax credit on your tax return • Services provided by one of your dependents • Expenses for nighttime baby-sitting • Your own dependents, under age 19, baby-sitting • Expenses paid for school (Kindergarten and above) Access Your Account Access your online account from the WEX website at https://customer.wexinc.com/login/benefits-login/ . You can submit expenses online, through the toll-free fax, via email or by mail. Your money will be directly deposited into your checking or savings account, or you can receive a check in the mail. Recurring Dependent Care Reimbursement You can eliminate the need to submit substantiation throughout the year for dependent care expenses by enrolling in Recurring Dependent Care. This process only requires you to submit one form per year for each day care provider used during the year. If your cost of dependent care per month is less than your monthly payroll deduction or you have currently contributed more to your plan than you have incurred in expenses, you do not qualify for Recurring Dependent Care and you’ll need to file claims as services are incurred. The Recurring Dependent Care Request Form can be found in the consumer portal. This form must be completed by you as the participant and by your day care provider. A separate form must be completed for each day care provider if you use more than one.

16 Benefits Guide 2025-26

Basic Life & Supplemental Term Life Insurance

Company Paid Basic Life Insurance with AD&D Coverage If you enroll in a medical plan, all eligible associates will be automatically enrolled in a Unum Basic Life Insurance policy, with Accident Death and Dismemberment (AD&D). The face value is $100,000. Reductions of benefit face amount begin at age 65. AD&D insurance can pay a benefit if you survive an accident but have certain serious injuries. It can also pay an additional amount if you die from a covered accident. This benefit includes an Accelerated Benefit which would allow you, with a terminal condition with less then 12 months to live, to request a percentage of the face value to be paid out to, understanding that the payout would be taxable and would reduce the remaining face value amount by the same amount. Supplemental Term Life Insurance The company also makes available to you Voluntary Life Insurance through Unum. • For You: Increments of $10,000 up to a maximum of 5X annual earnings or $500,000, whichever is less • For your Spouse / Domestic Partner: Increments of $5,000 up to a $250,000 maximum benefit. It cannot exceed 50% of your Supplemental Life coverage amount • For your child(ren): Children ages 15 days to 26. $5,000 or $10,000 maximum benefit. All children are covered with only one rate, regardless of the number of children Note: In order to have coverage on your Spouse/Domestic partner or child(ren), you must elect coverage on yourself. Accidental Death and Dismemberment (AD&D) insurance provides specified benefits for a covered accidental bodily injury that directly causes dismemberment (e.g., the loss of a hand, foot, or eye). In the event that death occurs from a covered accident, both the life and the AD&D benefit would be payable. This policy provides a “Living Benefit” option to withdraw a percentage of your life insurance coverage when diagnosed as terminally ill (as defined in the policy), and may be taxable. The death benefit will be reduced by the amount withdrawn. Spouse rates are based on your age. You will remain at that rate for the plan year. Rates will change annually upon plan anniversary when you enter the next age bracket.

Guaranteed Issue Amounts “Guaranteed Issue” means that coverage up to the Guarantee Issue amounts are available when first eligible for the plan

without medical underwriting questions. • Newly Eligible Associate: $150,000 • Spouse / Domestic Partner: $30,000 • Child(ren): $10,000

If you wish to become insured for an amount of Supplemental Life in excess of the Guaranteed Issue amount, the excess will be subject to Unum’s medical underwriting approval and you will be required to submit a health questionnaire to Unum, also known as an Evidence of Insurability (EOI) form. All late applications are also subject to medical underwriting approval. Assigning Your Beneficiaries During enrollment you must provide the name(s) and other information for at least one beneficiary for your policy. Beneficiaries can be changed as often as you need. A beneficiary is someone designated in your life insurance policy to receive all or part of your death benefit. There can be more than one beneficiary – and in practice, there often is. A beneficiary doesn’t have to be a person – it can also be an entity such as a church, charity, or family trust. Important Notes: • Minor children: If the named beneficiary is a minor, the benefit is put ‘On Hold’ for Age of Majority (age is 18) or until Guardianship/Conservatorship Paperwork is received. Benefits may be paid if the benefit is under $10,000. • Spouse: There is a community property sign off form. It is not mandatory that this form be used. Typically this form is used to have the spouse waive their rights to the policy amount. General practice is that the carrier will pay the person that has been named as the beneficiary.

Benefits Guide 2025-26 17

Short-Term and Long-Term Disability

Even with careful saving and planning, most people count on a steady paycheck to cover their monthly expenses. Unfortunately, it only takes a brief time away from work to upset the balance. You can protect the income you depend on with disability insurance. If you need to take time off to recover from an illness or injury, disability insurance from Unum may provide a portion of lost income for a period of time, helping alleviate the financial hardship and cover regular expenses.

Short Term Disability Benefits - California Employees Weekly Benefit

20% of weekly earnings (Non-integrated with CA SDI)

Maximum Benefit

$1,500 weekly

Maximum Benefit Duration

12 weeks

Waiting Period

7 days / Benefit begins on the 8th day

Pre-existing Conditions

No exclusions Company Paid If You Enroll In A Medical Plan!

Short Term Disability Benefits - Non-California Employees Weekly Benefit 60% of weekly earnings Maximum Benefit $2,000 weekly Maximum Benefit Duration 12 weeks Waiting Period 7 days / Benefit begins on the 8th day Pre-existing Conditions No exclusions

Company Paid If You Enroll In A Medical Plan!

Long Term Disability Benefits - All Employees, All States Monthly Benefit 60% of monthly earnings Maximum Benefit $7,500 monthly Maximum Benefit Duration

2 years up to Social Security Normal Retirement Age

Waiting Period

90 days / Benefit begins on the 91st day

Pre-existing Conditions

3 months look back; 12 months after exclusion

Survivor Benefit Yes, 3 months Company Paid If You Enroll In A Medical Plan! The above information is a summary only. Please refer to your Evidence of Coverage for complete details of Plan benefits, limitations and exclusions.

18 Benefits Guide 2025-26

Employee Assistance Program (EAP)

Life’s not always easy. Sometimes a personal or professional issue can affect your work, health and general well-being. You often turn to family or friends for support. But sometimes that’s not enough. Sometimes you need an experienced professional to talk with to know you’re not alone. Unum provides guidance for personal issues that you might be facing and information about other concerns that affect your life, whether it’s a life event or on a day-to-day basis. We seamlessly combine on-demand digital resources with live support by expert clinicians. Anytime, anywhere access where and when you need it most.

How The EAP Can Help • Licensed Professional Counseling

• Other Key Features • Medical Bill Saver helps negotiate out-of-pocket medical and dental expenses over $400 that are not covered by insurance. • Virtual therapists offer HIPAA-compliant video counseling for employees in all 50 states or text with a licensed therapist through BetterHelp. • Staff clinicians available 24/7 for information, assessment, short-term problem resolution and referrals. • Access to a national network of over 60,000 licensed EAP affiliates. All EAP providers have a master’s degree or higher with state licensure.

• Stress, depression, anxiety • Relationship issues, divorce • Anger, grief and loss • Job stress, work conflicts • Family and parenting problems • Addiction, eating disorders, mental illness • Local Resources and Support • Child and elder care

• Legal concerns** • Financial issues • Time management • Relocation issues • Identity Theft

Company Paid Support And Guidance Online or By Phone To access the EAP, you will need to share a few personal details. For more information or support, you can reach out 24/7: • Online - https://www.unum.com/support/employees/life-balance • Call - 800-854-1446 • In-person - You can get up to 3 visits available at no additional cost to you with a Licensed Professional Counselor. Your counselor may refer you to resources in your community for ongoing support.

Health Advocate This is your place to find tools to support your mental, emotional, physical and financial well-being. Browse our extensive library of resources, including articles, videos, forms, locators and more. In addition to licensed professional counseling and a range of work/life services, you can get help with travel planning, party planning, dinner reservations and other time-consuming, distracting tasks. It’s one more way we can help you better balance your work and life.

Benefits Guide 2025-26 19

Directory & Resources

QUESTIONS REGARDING

PHONE NUMBER WEBSITE OR EMAIL

MEDICAL COVERAGE Anthem HMO Member Services Anthem PPO Member Services

800-227-3560 800-888-8288 800-337-4770

https://www.anthem.com/ca

24/7 NurseLine

https://www.anthem.com/pharmacy- information

Anthem Pharmacy

866-876-0333

DENTAL COVERAGE Anthem Dental Support VISION COVERAGE Anthem Vision Support

877-567-1804

https://www.anthem.com/ca/find-care/

866-723-0515

https://www.anthem.com/ca/find-care/

LIFE INSURANCE & DISABILITY INSURANCE Basic Life Insurance

https://www.unum.com/support/employees/ contact-us

Short-Term Disability Long-Term Disability HSA & FSA WEX Benefits Support

866-679-3054

866-451-3399

https://benefitslogin.wexhealth.com/

EMPLOYEE ASSISTANCE PROGRAM (EAP)

https://www.unum.com/support/employees/ life-balance

Unum EAP / Health Advocate

800-854-1446

ACRISURE BROKER SUPPORT Julie Ritenour - Account Manager Michelle Healy - Account Coordinator

jritenour@acrisure.com mihealy@acrisure.com

20 Benefits Guide 2025-26

Notes

Benefits Guide 2025-26 21

Cost of Coverage

Semi- Monthly Per Paycheck Cost

Monthly Employee Cost

Benefit Plan

Base Plan: PPO HSA - All States Employee Only

Dental “LOW” Plan Employee Only Employee + Spouse Employee + Child(ren) Employee + Family Dental “HIGH” Plan Employee Only Employee + Spouse Employee + Child(ren) Employee + Family Dental “PREMIUM” Plan Employee Only Employee + Spouse Employee + Child(ren) Employee + Family Vision “LOW” Plan Employee Only Employee + Spouse Employee + Child(ren) Employee + Family Vision “HIGH” Plan Employee Only Employee + Spouse Employee + Child(ren)

$0.00

$0.00 $19.17 $29.36 $48.66

$0.00 $9.59

Employee + Spouse Employee + Child(ren) Employee + Family

$559.67 $301.36 $818.00

$279.84 $150.68 $409.00

$14.68 $24.33

Base Plan: Elements Choice HMO - CA Only Employee Only $0.00

$0.00

$0.00 $17.26 $19.00 $36.25 $12.18 $38.50 $45.43 $71.71

Employee + Spouse Employee + Child(ren) Employee + Family

$763.76 $412.01 $1,117.86

$381.88 $206.01 $558.93

$34.52 $38.00 $72.50

Standard Plan: EPO - Non-CA Only Employee Only $35.37

$17.69

$24.35 $77.00 $90.85 $143.41

Employee + Spouse Employee + Child(ren) Employee + Family

$845.54 $471.61 $1,219.49

$422.77 $235.81 $609.75 $76.46 $557.68 $336.04 $780.79 $43.04 $481.09 $278.91

Standard Plan: Classic HMO - CA Only Employee Only $152.92

$0.00 $5.59 $5.87 $11.45

$0.00 $2.80 $2.94 $5.73 $0.00 $3.30 $3.46

Employee + Spouse Employee + Child(ren) Employee + Family

$1,115.36 $672.08 $1,561.57

Premium Plan: Classic PPO - All States Employee Only $86.08

$0.00 $6.59 $6.92

Employee + Spouse Employee + Child(ren)

$962.18 $557.82

Employee + Family $683.29 Basic Life Insurance, Short-Term Disability and Long-Term Disability Insurance are paid by the company if enrolled in a medical plan! $1,366.57

Employee + Family $6.76 Voluntary Life Insurance is based on age, covered dependents and coverage amount, therefore it will be calculated for you in the online enrollment system. $13.51

22 Benefits Guide 2025-26

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