2021 US Benefits

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Discover the Power of Team 2021 United States Benefits Options

Agenda

+ Benefits Choices + Benefits Philosophy + Work/Life Balance + Holidays

Our 2021 Holidays

+ New Year’s Day – January 1st + Memorial Day – May 31st

+ Independence Day – July 5th + Labor Day – September 6th + Thanksgiving – November 25th + Day After Thanksgiving – November 26th

+ Christmas Eve – December 24th + New Year’s Day – December 31st

Work/Life Balance

Best 40 Goal: be most productive during your work week Start 7:30am - 9:30am Lunch 30 or 60 mins End 4:30pm - 6:30pm

Work From Home After 6 months, work remotely

Paid Time Off 1 st year:15 days prorated 2 nd year: 15 days Jan 1 st 3 rd year: 20 days Jan 1 st 6 th year: 25 days Jan 1 st Accrues monthly

one day per week, plus 5 days per year

Work 8 hours per day

Our Objectives + To provide a comprehensive benefits package for all associates + To share costs with associates +Offer affordable insurance to everyone - We do not exclude family members or charge a surcharge to carry a spouse on our plan + To allow for associates to choose between plans based on their projected personal use or comfort with risk Our Benefits Philosophy

Our Enrollment Process

Making Changes + Effective the first of month following date of hire + When can additional changes be made?

- In the event of a qualified life event... Within 30 days of the event - During our annual open enrollment (effective 1/1 of the following year) What Dwellworks Does + Negotiates affordable rates with the benefit providers + Looks at plan costs and evaluate costs and benefits each year + Communicates any changes during open enrollment process

Our Benefits Options

Financial

Medical

Ancillary Health

Guardian

Fidelity

Medical Mutual

+ Medical + FSA Health Spending Account + FSA Dependent Spending Account + Health Savings Account

+ Dental + Vision + Optional life insurance for employee and dependents + Company-paid: Life, STD, LTD, and AD&D

+ Traditional 401K + ROTH 401K + Company match of $0.50 on the dollar between 2% and 5%

Different Types of Spending

Although the premium is a pre-tax statement, Dwellworks covers the majority for each plan.

A premium is the amount paid by the associate on a semi- monthly basis . PREMIUM

OUT-OF-POCKET MAXIMUM

Examples of a co-pay include office visits, Rx, urgent care, emergency room, and other services outlined in the summary of benefits and summary plan descriptions. Although a co-pay is excluded from the deductible, it is included in the out-of-pocket maximum. For a deductible, apply only to covered medical services listed with a percentage in the summary of benefits and summary plan descriptions. On the PPO plans, the single deductible applies to each individual enrolled in the EE+children or family plans with no more than three family members maxing out the deductible. The coinsurance eligible services are noted in the summary of benefits with notation of a percentage, and the costs will be applied to deductible. Once the deductible is satisfied, the associate will share in the service’s cost.

The out-of-pocket maximum is the amount an associate will pay annually for services.

CO-PAY

COINSURANCE

A co-pay is a flat dollar amount paid for services as part of the Preferred Provider Organization (PPO) plans.

A coinsurance is the percentage of negotiated costs that associates pay for eligible services.

A deductible is the annual amount that must be satisfied prior to coinsurance percentages being applied. DEDUCTIBLE

Services for out-of-pocket maximum apply to co-pays, deductibles and coinsurances.

+ Provider directory on site: www.medmutual.com > Find a Doctor > 2021 Plans > Group > SuperMed PPO + Choose from three options that have varying deductibles and coverages + All plans utilize the same network of providers - Decide based on coverage, not providers +Outside of Ohio utilizes the Aetna network Medical Mutual

Preventative Care for All

Pelvis exam

Height, Weight and BMI

PAP test

Adult physical exams

Well baby or child exams

Hearing screening

Screening for depression

Screenings during pregnancy

Newborn screens

Vision screens

Screenings for sexually transmitted diseases

Preventative physical exams

Immunizations: Hepatitis A and

B, influenza, HPV, polio, MMR)

Routine or periodic exams

Routine EKG

Option #1: High Deductible/HSA Deductible: Deductible must be met before coinsurance applies Single $2,800 Family $5,600

Co-Insurance

80% after deductible

Single $5,100 Family $10,200

Max Out of Pocket

Life Max

Unlimited

Office visit

20% after deductible

Preventative Care Emergency Room

100% no cost to associate

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

Urgent Care

Lab/Diagnostic

RX Retail

20% after deductible & contributes to Out of Pocket Max 20% after deductible to Out of Pocket Max

RX Mail Order

Option #1: High Deductible/HSA

2021 Rate (Per-Pay)

Dwellworks Portion (Per-Pay)

EE ONLY

$5.95

$187.90

EE+SP

$138.79

$284.67

EE+CH

$106.59

$219.29

FAMILY

$194.93

$398.82

Option #1: High Deductible/HSA

+ Those enrolled in Option 1 can open a Health Savings Account through OptumUHC + Put money aside pre-tax for eligible expenses + 2021 Maximums $3,600 Single/ $7,200 Family - Additional $1,000 for Single and Family if 55 and older - Amount can be changed each pay + You can only use money that you have in the account - There is no gatekeeper – keep your receipts! + If you leave Dwellworks, the account goes with you + If you change plans, you can still use the money for eligible expenses + The money can accumulate year to year, and be invested in Mutual Funds once a threshold is met

Option #2- PPO Plan Deductible: Deductible must be met before coinsurance applies

Single $1,250 Family $2,500

Co-Insurance

80% after deductible

Single $3,000 Family $6,000

Max Out of Pocket

Life Max

Unlimited

Office/Specialist Visit Preventative Care

$30 each visit

100% no cost to associate

Emergency Room

$250

Urgent Care

$75

Lab/Diagnostic

20% after deductible 30 day supply $10/$30/$50/$100 90 day supply $25/$75/$125/$250

RX Retail

RX Mail Order

Option #2- PPO Plan

2021 Rate (Per-Pay)

Dwellworks Portion (Per-Pay)

EE ONLY

$58.09

$192.70

EE+SP

$191.52

$360.21

EE+CH

$147.08

$276.75

FAMILY

$268.98

$505.95

+Option #3- PPO Plan Option #3- PPO Plan Deductible: Deductible must be met before coinsurance applies

Single $500 Family $1,500

Co-Insurance

80% after deductible

Max Out of Pocket

Single $2,000 Family $4,000

Life Max

Unlimited

Office Visit

$20 each visit

Preventative Care Emergency Room

100% no cost to associate

$250

Urgent Care

$75

Lab/Diagnostic

20% after deductible 30 day supply $10/$30/$50/$100 90 day supply $25/$75/$125/$250

RX Retail

RX Mail Order

Option #3- PPO Plan

2021 Rate (Per-Pay)

Dwellworks Portion (Per-Pay)

EE ONLY EE+SP EE+CH FAMILY

$78.58

$186.62 $341.60 $262.40 $479.82

$241.83 $185.73 $339.64

Medical Options Summary

Description Deductible

Option 1 HSA Single $2,800 Family $5,600 Single $5,100 Family $10,200

Option 2 PPO Single $1,250 Family $2,500 Single $3,000 Family $6,000

Option 3 PPO Single $500 Family $1,500 Single $2,00 Family $4,000 $25/ $75/ $250

Max out of Pocket

Coverage requires the deductible to be met before coinsurance applies

Office Visit/Urgent Care/ Emergency Room

20% after deductible $30/ $75/ $250

RX Retail

20% after deductible $10/$30/$50/$100 $10/$30/$50/$100

Pre-Tax Accounts Available

HSA; FSA Dependent

FSA Health; FSA Dependent

Per Pay Cost

Option 1 HSA

Option 2 PPO

Option 3 PPO

Employee only

$5.95

$58.09

$78.58

Employee + Spouse

$138.79

$191.52

$241.83

Employee + Child(ren)

$106.59

$147.08

$185.73

Family

$194.93

$268.98

$339.64

+ Administered through UHC + Tax deferred way to save for eligible expenses +Once you decide to join you are locked in for the year + Dwellworks offers two FSA options - Health Care FSA - Dependent Care FSA + Available for Option 2 and 3 + If you are enrolled in Option 1 you are eligible for Dependent Care FSA only Flexible Spending Accounts

+ Maximum contribution amount is $2,750 annually in 2021 + Contributions through payroll in equal increments each pay + Can use the money in advance of it being in your account + You can apply for a debit card, submit claims online, or submit paper claims + Must incur claims during the claim period to receive reimbursement + Account is terminated upon exit date from Dwellworks Healthcare FSA

Dependent Care FSA

+ For expenses for dependents under the age of 13 - Disabled/elderly dependents may also be eligible +Maximum of $5,000 annually can be set aside + Deductions are taken in equal increments each pay +Works like a checking account, can only use the money when it is in the account + Account is terminated upon termination date from Dwellworks

Flexible Spending Account Options

Dependent Care FSA + Taken in equal increments each pay + Works like a checking account: Can only use the money when it is in the account

Healthcare FSA + Taken in equal increments each pay + Can use the money before it is in your account + Use it or lose it: Must incur claims during the claim period

+ Dental providers on site : www.guardiananytime.com + Maximum rollover account limit = $1,000 + Orthodontia for dependents under age 19 Guardian Dental In Network Out of Network Deductible $50/$150 $50/$150 Annual Max $1,500 $1,000 Preventive 100% 100% Basic 100% 80% Major 60% 50% Orthodontia 50% 50%

Guardian Dental

2020 Rate (Per Pay)

Dwellworks Portion (Per Pay)

EE ONLY

$0.87

$18.32

EE+SP

$10.75

$28.86

EE+CH

$13.90

$37.35

FAMILY

$19.43

$52.23

Guardian Vision

Network

VSP Network Signature Plan

Exam Co-Pay

$10 $25

Materials Co-Pay (waived for elective contact lenses) Single, Bifocal, and Trifocal Lenses

Frames

$120 Allowance then 20% discount

Contact Lenses (Elective)

$120 Allowance

Contact Lenses (Medically necessary) Laser Correction Surgery Discount

15% off

Exam Frequency

Every 12 months Every 12 months Every 12 months

Lenses Frequency (Glasses or Contacts)

Frames Frequency

Guardian Vision

2020 Rate (Per Pay)

Dwellworks Portion (Per Pay)

EE ONLY

$0.23 $2.34 $2.38 $3.77

$4.03 $4.83 $4.93 $7.80

EE+SP

EE+CH

FAMILY

Company-Paid Benefits 01 Life Insurance $50,000 for each employee

Short-Term Disability (STD) + 60% of base earnings & commission to a $750 weekly max + Up to 13 weeks of benefit including 7 day waiting period

Long-Term Disability (LTD) + 60% of base earnings & commission to $6,000 monthly max + 90 day waiting period (covered by STD)

AD&D $50,000

Optional Benefit: Through Guardian, employees can elect to enroll in additional life insurance at a per pay cost to the employee.

Voluntary Life Insurance

+ We offer Voluntary Life Insurance for yourself, spouse and children - You must elect employee voluntary life if you want to cover your dependents

Employee Spouse

Children $2,500 $5,000 $10,000 $10,000

$25,000 $50,000

$12,500 $25,000

$100,000 $50,000 $150,000 $50,000

+ If you are adding or increasing your voluntary life insurance for yourself or your dependents you are subject to the Evidence of Insurability Form - A member of the HR team will contact you if this applies

Our Program Provides + Confidential assistance for many of life’s stressful issues + Available to all employees even if not enrolled in our benefit programs + Plan offers for FREE - Unlimited phone sessions - 3 in-person sessions Employee Assistance Program Connect to a counselor for free support services

1-800-386-7055

www.ibhworklife.com + Username: Matters + Password: wlm70101

+ 2021 Maximums Fidelity 401(k)

- $19,500 401(k) Deferral - $6,500 catch-up for qualified employees 50 or older (notify us ASAP) + 50% matching contributions on deferrals of 2-5% of earnings - Traditional or ROTH +Manage deferral choices and how funds are invested online + Chris Naples for investment questions: - Christopher.Naples@morganstanley.com - 234.380.4805

+ Plan automatically increases your deferral rate by 1% annually - Effective on 4/15/21 for 4/30/21 payroll + Traditional 401(k) will auto increase, unless only the Roth 401(k) is elected + Increases will cap at 10% + If you are not enrolled in our 401(k), you will not be enrolled 401(k) Auto Annual Increase

Pre-Tax Benefits

Options to Reduce Taxable Income + Premiums for medical, vision, and dental + Contributions to Healthcare FSA and Dependent Care FSA + Contributions to HSA (only available for employees enrolled in HSA plan) + Contributions to traditional 401k

ALICIA ALLERDING HR Specialist

SHANA ZOLLAR Chief Human Resources Officer

Jessica Shook HR Consultant

Visit the HR page on our intranet to learn more about our benefits options

Thank You!

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