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EMPLOYEE BENEFITSGUIDE2024 - 2025An overview of the wide array of benefits provided byFitch Irick Corporation to help you enjoy increased well-being and financial security.EMPLOYEE BENEFITSGUIDE2024 - 2025

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 Fitch Irick CorporationA message from our CEO, Robert: Thank you for being a member of the Fitch Irick team and spending so much of your time sharing in and contributing to our overall success. Work-life balance and supporting the health and wellbeing of all our valued associates is of paramount importance. The health, satisfaction and security of you and your family bring value to you and to all of us as we work together towards achieving the goals of our organization.For the 2024– 2025 plan year, we have worked hard to enhance our benefits plan, offering a more balanced and varied total rewards package that includes valuable and competitive plan options. These programs reflect our commitment to keeping our team members healthy and secure. We understand that your situation is unique, and Fitch Irick Corporation is offering an overall benefits package that can be shaped and molded by you to fit your needs.We hope this benefits booklet, along with our additional communication and decision-making tools, will help you make the best health care choices for you and your family.-Robert Lampher, CEOFitch Irick CorporationA message from Head of Human Resources, Parker: Our mission to serve others by tackling the affordable housing crisis is only possible because of you, our team members. Your Human Resources department works tirelessly to provide enriching and valuable service to all of you. In an effort to improve your health and wellbeing, the Human Resources team went to work on improving your benefits, reducing premium costs on some plans, and expanding your wellness/EAP offerings. We are proud to offer a comprehensive and expanded package of benefits that is designed to provide you options when it comes to you and your family. As always, your Human Resources team is here to help. Reach out to us via e-mail at HR@fitchirick.com, submit a ticket, or contact us via the ASK HERE function in Paycom. Fitch Irick Human Resources: Serving those who serve others.-Parker Huffman, Head of Human ResourcesFitch Irick CorporationThis benefits booklet is a summary description of your Fitch Irick Corporation benefit plans. If there is a discrepancy between these summaries and the written legal plan documents, the plan documents shall prevail. This booklet and plan summaries do not constitute a contract of employment.INTRODUCTION

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 Fitch Irick CorporationCarrier ResourcesBENEFIT CARRIER WEBSITEMedical / Dental Aetna www.aetna.comVision Superior Vision www.superiorvision.comVoluntary Life / Disability / Accident / Critical Illness / Hospital Indemnity Equitable www.equitable.comFSA / HSA Flores www.flores247.comEAP eni NexGen www.nexgeneap.comPet Insurance MetLife www.metlifepetinsurance.comHow to access ID CardsBENEFIT CARRIER HOW TO ACCESSMedical AetnaWill receive an ID Card in the mail. Can also access through the mobile app. Dental AetnaWill receive Welcome packet in the mail with a generic ID Card. Can also access through the mobile app. Vision Superior Vision Can access from the portal or mobile app.Eligibility & EnrollmentAs a full-time employee working 30+ hours/week you are eligible for benefits. You can enroll or make changes during our annual enrollment period or within 30 days if you experience a qualifying life event during the year. A Qualifying Life Event includes changes in marital status, employment status, birth or adoption of a child, death of a dependent, entitlement to Medicaid or Medicare, loss of other coverage or eligibility of dependents.Benefits Begin 1stof month following 30 daysBenefits End Last day of employmentDependents To age 26

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 Fitch Irick CorporationCoverage Provided by AetnaIn-Network 70/30 HSA Plan 80/20 Low Plan 90/10 Buy-up PlanBenefit Period Plan Year: 3/1 – 2/28 Plan Year: 3/1 – 2/28 Plan Year: 3/1 – 2/28Deductibles (Individual / Family)$4,000 / $8,000 $3,500 / $7,000 $2,000 / $4,000Out-of-Pocket Max (Individual / Family)$7,900 / $15,800 $8,400 / $16,800 $4,000 / $8,000Preventive Care Covered 100% Covered 100% Covered 100%Primary Care Visit 30% after deductible $35 Copay $20 CopaySpecialist Visit 30% after deductible $70 Copay $40 CopayTelehealth 30% after deductible $0 Copay $0 CopayUrgent Care 30% after deductible $75 Copay $50 CopayEmergency Room 30% after deductible $500 Copay $250 CopayOutpatient Procedure 30% after deductible 20% after deductible 10% after deductibleInpatient Visit 30% after deductible 20% after deductible 10% after deductiblePharmacy / RX (30 Day Supply)Advanced Control Formulary30% after deductibleRetail: $10/$25/$45Specialty: $60 or $100Retail: $5/$40/$60Specialty: 25% up to $100 maxGLP-1 Weight Loss Medications Covered! Limitations and Restrictions Apply.MEDICALThe chart below is an overview of the In-Network benefits. Out-of-Network benefits are available; please review your Aetna plan documents for additional details.

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 Fitch Irick CorporationWellness and Health ManagementUnderstanding the full value of covered benefits allows you to take responsibility for maintaining good health and incorporating healthy habits into your lifestyle. Some examples include getting regular physical examinations, mammograms and immunizations. Through the plans offered by Fitch Irick Corporation, all covered individuals and family members are eligible to receive routine wellness services like the below, at no cost; all copays, coinsurance, and deductibles are waived.Which Preventive Care Services Are Covered?The US Preventive Services Task Force maintains a regular list of recommended services that all Affordable Care Act (i.e., Health Care Reform) compliant insurance plans should cover at 100% for in-network providers. Below is a list of common services that are included in the plans offered this year:• Routine physical exam• Well baby and childcare• Well women visits• Immunizations• Routine bone density test• Routine breast exam• Routine gynecological exam• Screening for Gestational diabetes• Obesity screening and counseling• Routine digital rectal exam• Routine colonoscopy• Routine colorectal cancer screening• Routine prostate test• Routine lab procedures• Routine mammograms• Routine pap smear• Smoking cessation• Health education/counseling services• Health counseling for STDs and HIV • Testing for HPV and HIV• Screening/counseling for domestic violencePREVENTIVE CAREPricing Per Pay Period 70/30 HSA Plan 80/20 Low Plan 90/10 Buy-up PlanEmployee $34.11 $63.10 $96.93Employee + Spouse $308.12 $408.11 $480.52Employee + Child(ren) $160.40 $222.13 $276.42Employee + Family $443.70 $569.49 $693.84Your Cost (26 Bi-Weekly Deductions)

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 Fitch Irick CorporationEmployees and dependents enrolled in our medical plan have access to telemedicine through CVS Health Virtual Care. Telehealth provides acute and behavioral care 24 hours a day via phone or video by board-certified doctors and behavioral health specialists. Telehealth is a good option for minor health problems when you can’t see your regular doctor. It is also a convenient choice when you want to speak to a counselor or therapist. Some providers will also offer telehealth appointments. Check with your provider on the availability and cost.How Does Telehealth Work?Your virtual visit will take place via phone, video call on a laptop, tablet or cellphone; or through an app. The provider will ask you the same questions you'd be asked at an in-person visit and may recommend treatment based on their findings.What Can’t Telehealth Be Used For?• Life-threatening or emergency situations • Situations in which diagnostic care (e.g., blood work, imaging or lab tests) are required• Situations of severe illness or complex conditionsFitch Irick is proud to offer $0 Copay Telehealth visits on certain plans.Refer to your plan documentation for more information.TELEHEALTHWhat Can Telemedicine Be Used For?General, non-life-threatening doctor's visits or consultations for acute care, such as:• Allergies• Cough, cold and flu• Diarrhea, nausea and vomiting• Ear problems• Insect bites• Sinus problems• Urinary problems• And moreMental health services for things such as:• Anxiety• Stress• Psychiatry services for medication managementHow Do I Access Telehealth?• Activate your virtual care benefit by visiting www.CVS.com/virtual-care • Create an account and confirm your details• Schedule a mental health appointment, or request on-demand care 24/7/365

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 Fitch Irick CorporationA health savings account (HSA) is a health care account and savings account in one. An HSA helps offset your healthcare costs while saving for your out-of-pocket eligible health care expenses. The HSA is your personal bank account and can be used for you and your dependents now and in the future.Why Is It A Good Idea To Have An HSA?HSAs benefit everyone who are eligible to have this account, including single individuals, families and soon-to-be retirees. You save money on taxes in three ways:• Tax-Free Deposits: The money you contribute to your HSA isn't taxed (up to the IRS annual limit)• Tax-Free Earnings: Your interest and any investment earnings grow tax-free• Tax-Free Withdrawals: The money used toward eligible health care expenses isn't taxed now or in the futureSetting aside pre-tax dollars into your HSA means you pay fewer taxes and increase your take-home pay by your tax savings. You save money on eligible expenses that you are paying for out of your pocket. The amount you save depends on your tax bracket. For example, if you are in the 30% tax bracket, you can save $30 on every $100 spent on eligible health care expenses.HSA funds roll over from year to year and accumulate in your account. There is no "use-it-or-lose-it" rule with HSAs, and you decide how and when to use your HSA funds, which can be used for eligible expenses you have now, in the future, or during retirement. Also, when you have a certain balance in your HSA, investment opportunities are available.Who is Eligible?You are eligible to contribute to an HSA if:• You are enrolled in a qualified HDHP• You are not enrolled in a copay plan such as a spouse’s non-HDHP, Medicare, Medicaid or Tri-Care• You or your spouse is not enrolled in a full purpose Health Care Flexible Spending AccountRefer to your HSA documentation for more information.HSA Contribution LimitsYou can contribute to your Flores HSA on a pre-tax basis through payroll deductions up to the IRS statutory maximums. The IRS has established the following maximum HSA contributions:2024 Tax Year$4,150 Individual / $8,300 FamilyIf you are age 55 and over, you may contribute an extra $1,000 catch-up contribution. HEALTH SAVINGS ACCOUNT (HSA)

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 Fitch Irick CorporationThis Is How An FSA Works:• You set aside money for your FSA from your paycheck before taxes are taken out.• You then use your pre-tax FSA funds throughout the plan year to pay for eligible health care or dependent care expenses.• You save money on expenses you're already paying for.Our plan through Flores offers a carry over up to $640 of unused funds to the following year. Health FSA Eligible Expenses• Medical expenses: copays, coinsurance and deductibles• Dental expenses: exams, cleanings, X-rays and braces• Vision expenses: exams, contact lenses and eyeglasses• Professional services: physical therapy, chiropractic and acupuncture• Prescription drugs and insulin• Over-the-counter health care items such as bandages, pregnancy tests and blood pressure monitorsIf enrolled in a HDHP with an HSA, then you can enroll in a limited purpose FSA. Limited Purpose Health FSA Eligible Expenses• Dental expenses: exams, cleanings, X-rays and braces• Vision expenses: exams, contact lenses and eyeglasses Dependent Care FSA Eligible Expenses (NOT Medical)• Care for your child who is under the age of 13• Before-school and after-school care• Babysitting and nanny expenses• Day care, nursery school and preschool• Summer day camp• Care for a relative who is physically or mentally incapable of self-care and lives in your homeRefer to your FSA documentation for more information. FLEXIBLE SPENDING ACCOUNT (FSA)

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 Fitch Irick CorporationSummary of CoverageCoverage Provided by Aetna In-NetworkAnnual Deductibles(Individual / Family)$50 / $150Preventive Care Covered at 100%Basic Procedures Covered at 80% after deductibleMajor Procedures Covered at 50% after deductiblePlan Year Maximum Benefit $2,000DENTALTo help simplify your medical plans, Fitch Irick has partnered with Aetna to offer Dental coverages. Below is a high-level summary of our dental benefits. While Out-of-Network coverage is available, using an In-Network provider will result in less out of pocket expenses. In-Network dentist cannot balance bill you for the amount over the allowable charges. Please review your plan documents for additional details.Pricing Per Pay PeriodEmployee $16.94Employee + Spouse $33.42Employee + Child(ren) $36.63Employee + Family $52.29Your Cost (26 Bi-Weekly Deductions) Please note, late entrant penalties may apply. Please see policy for more information.

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 Fitch Irick CorporationSummary of CoverageCoverage provided by Superior Vision In-NetworkVision Exam (once every 12 months) $10 CopayLenses (once every 12 months)$25 Copay(lenses and frames)Frames (once every 24 months) Up to $125 AllowanceElective Contact Lenses (in lieu of lenses and frames) Up to $125 AllowanceVISIONOur vision coverage is provided by Superior Vision. Pricing Per Pay PeriodEmployee $2.69Employee + Spouse $5.37Employee + Child(ren) $6.10Employee + Family $9.42Your Cost (26 Bi-Weekly Deductions)Please review your policy information for additional details.

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 Fitch Irick CorporationIf interested, you may wish to purchase voluntary life insurance for yourself, spouse and dependent children. Employees must fill out an EOI form if they exceed the guaranteed issue amount and/or decide to enroll after first eligible.Summary of CoverageCoverage provided by EquitablePlan FeaturesLife Benefit Employee Spouse DependentBenefit Amount $10,000 Increments $5,000 Increments $1,000 IncrementsMaximum AmountLesser of 5 times your annual earnings or $300,000Lesser of 100% of employee amount or $150,000$500 (birth to 14 days), then $10,000 (15 days to age 26)Guarantee Issue (Newly Eligible Employees)$150,000 $30,000 $10,000VOLUNTARY LIFE and AD&D INSURANCEThere are certain eligibility requirements for Spouses and Children. Please refer to Voluntary Life and AD&D documents for more information or contact your Human Resources department for more information.

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 Fitch Irick CorporationSummary of CoverageCoverage provided by EquitablePlan Features Short-Term Disability Long-Term DisabilityCoverage Paid By Employee EmployeeTaxation Benefit is not taxed Benefit is not taxedEmployee Benefit Amount 60% of Earnings 60% of EarningsMaximum Benefit Amount $500/weeklyClass 1: $10,000/monthlyClass 2: $7,500/monthlyElimination Period 7 days accident / 7 days sickness 90 daysBenefit Duration Up to 12 weeks ADEA1 w/ SSNRADisability insurance is coverage that provides you with income protection should you be unable to work due to an injury or illness. With disability coverage, you are compensated for a portion of your lost income. Short-Term disability provides coverage in the near term, while Long-Term coverage is available for extended disabilities. DISABILITY INSURANCEPlease note, a pre-existing condition period may apply once you become covered. Please see policy for more information.Elimination Period: The period of time between the date the disability commences and the beginning of the benefit payment period. It is the period during which an employee much be disabled before payment of benefits begins. ADEA1 w/ SSNRA: The length of time benefits are paid while you are disabled. The maximum benefit period depends on your age at the time disability begins, which is tied to Social Security Normal Retirement Age (SSNRA) and Age Discrimination in Employment Act (ADEA).

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 Fitch Irick CorporationOur NexGen EAP through eni offers free, confidential assistance at no cost to you and your family members. Benefits include: • Short-term counseling (up to 8 sessions of face-to-face, online or telephonic sessions per issue per year)• Unlimited Virtual Concierge Services• Financial resources• Legal support• Certified Life Coaching • Health Advocacy • Discounts on theme parks, hotels, shopping, and more!EMPLOYEE ASSISTANCE PROGRAM (EAP)How to Get Started:Visit: www.nexgeneap.com Call: 800.327.2255 Download the Mobile App: NexGenEAPFitch Irick strongly encourages ALL employees to download the NexGen EAP app and register. Please contact your Human Resources Department for more information on how to utilize this benefit!

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 Fitch Irick CorporationVoluntary Benefits are offered to assist employee's personal insurance needs. These programs are designed to fill the gaps in coverage such as your deductibles and co-insurance under your major medical.WORKSITE BENEFITSCoverage provided by EquitableAccidentPays a cash benefit if you or a covered family member experience an accident. Coverage can be purchased for employee and dependents.Critical IllnessPays a lump sum benefit if you or a covered family member are diagnosed with one of the covered serious illnesses.Hospital IndemnityPays a cash benefit if you or a covered family member are confined to a hospital or experience any other indemnified events. Coverage provided by MetLifePet InsuranceCan help reimburse you for covered vet visits, accidents, illness and more. Flexible coverage allows you to choose the plan that works for you and your pet. Telehealth concierge services are also available. What is Covered?• Accidental injuries• Illnesses• Exam fees• Surgeries• Medications • And more

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 Fitch Irick CorporationThis page is intentionally blank

EMPLOYEE BENEFITS GUIDEPrepared By Sentinel Benefits Consulting | sentinelra.com2024 - 2025Fitch Irick Corporation