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

INTRODUCTIONThis 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 GuideAs an employee of Sentinel, enjoying your work and making valuable contributions to business are equally vital. The health, satisfaction and security of you and your family are important, not only to your well-being, but ultimately, in terms of achieving the goals of our organization.For the 2024 – 2025 plan year, which runs December 1, 2024, through November 30, 2025, Sentinel has worked hard to offer a competitive total rewards package that includes valuable and competitive benefits plans. These programs reflect our commitment to keeping our staff healthy and secure. We understand that your situation is unique, and Sentinel is offering an overall benefits package that can be shaped and molded by you to fit your needs.This benefits booklet is a summary description of your Sentinel 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.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.2024 - 2025SentinelEligibility & EnrollmentENROLLMENT TIMELINE & DEPENDENT COVERAGEBenefits BeginDate of hire (All except Legal)1st of the month following date of hire (Legal)Benefits EndEnd of the month following termination; FSA, Life & Disability end on date of terminationDependents Your legal spouse, dependent children up to the age of 26As 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 if you experience a qualifying life event during the year. Qualifying Life Events include 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.

MEDICALThis 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 - 2025SentinelIN-NETWORKBenefit PeriodPlan Year: 12/1 – 11/30Deductible and Out of Pocket Maximums reset on 12/1Deductibles (Individual / Family)$1,600/$3,200(Family Member - $3,200)Out-of-Pocket Max (Individual / Family)$3,200/$6,400(Family Member - $6,400)Preventive Care Covered in fullPrimary Care Visit 20% after deductibleSpecialist Visit 20% after deductibleDiagnostic Exam 20% after deductibleX-Rays 20% after deductibleOutpatient Procedure 20% after deductibleInpatient Visit 20% after deductibleEmergency Room 20% after deductibleUrgent Care 20% after deductibleTelehealth via Teladoc 20% after deductiblePharmacy / RX (30 Day Supply)NetResults FormularyEnhanced Preventive: 20%All Other: 20% after deductibleDEDUCTED TWICE PER MONTHEmployee $0Employee + Spouse $279.49Employee + Child(ren) $209.67Family $488.93Our medical plan is a High Deductible Health Plan (HDHP) offered through Blue Cross Blue Shield NC (BCBSNC). Our plan is a Blue Options PPO, which allows you to seek services from in-network providers of your choice without a referral. You may seek services out-of-network providers; however, different benefit thresholds apply. Please review the BCBSNC Highlights for this information. The chart below outlines your cost.

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 - 2025SentinelA health savings account (HSA) is a health care account and savings account in one. The main purpose of this account is to offset the cost of a qualifying high deductible health plan (HDHP) and provide savings for your out-of-pocket eligible health care expenses - those you and your tax dependents may have now, in the future, and during your retirement.Why Is It A Good Idea To Have An HSA?HSAs benefit everyone who is 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.Refer to your HSA documentation for more information.HSA Contribution LimitsFor the 2024-2025 plan year, Sentinel will contribute $65 (twice per month) to your Optum Bank HSA up to an annual amount of $1,560. This amount counts to the IRS annual maximum listed below. To receive the employer contribution, you must enroll in the HDHP and HSA.You can contribute to your HSA on a pre-tax basis through payroll deductions up to the IRS statutory maximums. The IRS has established the following maximum HSA contributions:FOR THE 2024 TAX YEAR: $4,150 Individual / $8,300 FamilyFOR THE 2025 TAX YEAR: $4,300 Individual / $8,550 FamilyIf you are age 55 and over, you may contribute an extra $1,000 catch-up contribution. This is available in 2024 and 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 GuideEmployees and dependents enrolled in our medical have access to telemedicine through Teladoc. Telehealth provides acute and behavioral care 24 hours a day via phone or video by board-certified doctors and behavioral health specialist. 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 conditionsHow Do I Access Telehealth?There are 3 ways to access Teladoc:• Download the Teladoc mobile app• Go to Teladoc.com and click “Log in/Register”• Call 1-855-549-2214Refer to your plan documentation for more information.TELEHEALTH2024 - 2025SentinelWhat 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 moreBehavioral health issues such as:• Addictions• Anxiety• Depression• Grief and loss• Relationship issues• 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 GuideIn addition to an HSA, Sentinel offers a company-sponsored limited purpose Flexible Savings Account (FSA) and a Dependent Care Flexible Savings Account (DCFSA). These accounts are administered by Flores.Flexible Spending Accounts allow you to set aside money 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. While these accounts are owned by the employee, funds in the accounts can be used for eligible tax dependents, including your spouse and dependent child(ren).Limited Purpose Health FSA • Contribution limit for our 2024-2025 plan year is $3,200• These are use it or lose it accounts, However Sentinel offers a 75-day grace period, which allows participants to use remaining funds following the close of the plan yearLimited Purpose Health FSA Eligible Expenses• Dental expenses: exams, cleanings, X-rays and braces• Vision expenses: exams, contact lenses, eyeglasses and laser eye surgeryDependent Care FSA • Contribution limit for our 2024 - 2025 plan year is $5,000• These are use it or lose it accountsDependent Care FSA Eligible Expenses• 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 details.LIMITED-PURPOSE FSA AND DEPENDENT CARE FSA2024 - 2025Sentinel

DENTALThis 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 - 2025SentinelIN-NETWORK OUT-OF-NETWORK1Benefit PeriodCalendar Year: 1/1 -1 2/31Deductibles and Plan Maximums reset on 1/1Calendar Year Deductible(Individual / Family)$50/$150Preventive Care Covered at 100% 0% after deductibleBasic Procedures(extractions, fillings, etc.)0% after deductible20% coinsurance after deductibleMajor Procedures(crowns, dentures, etc.)40% coinsurance after deductible50% coinsurance after deductibleOrthodontics Not CoveredCalendar Year Maximum Benefit $1,250DEDUCTED TWICE PER MONTHEmployee $19.74Employee + Spouse $39.37Employee + Child(ren) $45.48Family $68.201While 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. Late entrant penalties may apply. Please see Human Resources for more information.Sentinel offers employees the opportunity to purchase dental coverage on a voluntary basis. Seeking services from an in-network providers ensures a higher level of benefit for you and your covered benefit. You may seek services out-of-network; however, different benefits apply. The chart below outlines your cost.

VISIONThis 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 - 2025SentinelIN NETWORK OUT OF NETWORKVision Exam (1 per calendar year) $10 Copay Up to $45Lenses (1 per calendar year)Single $25 Copay Up to $30Bifocal $25 Copay Up to $50Trifocal $25 Copay Up to $60Lenticular $25 Copay Up to $100Frames (1 per 2 calendar years)Up to $130, then 20%$70 allowance at CostcoUp to $70Elective Contact Lenses (1 per calendar year)$60 for exam$130 for lenses$Up to $105Medically Necessary Contact Lenses (1 per 2 calendar years)$25 Copay $Up to $210DEDUCTED TWICE PER MONTHEmployee $3.55Employee + Spouse $6.74Employee + Child(ren) $7.87Family $11.10Sentinel offers employees the opportunity to purchase vision coverage on a voluntary basis. Seeking services from an in-network providers ensures a higher level of benefit for you and your covered benefit. You may seek services out-of-network; however, different benefits apply.

DISABILITY INSURANCEThis 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 - 2025SentinelPLAN FEATURES SHORT-TERMEmployee Benefit AmountLess than 2 years of service – 60% of pre-disability earnings*2 years of service – 70% of pre-disability earnings3 years of service – 80% of pre-disability earnings4 years of service – 90% of pre-disability earnings5 years of service or more – 100% of pre-disability earningsElimination Period (Accident & Sickness)14 days, PTO is used during this timeBenefit Duration Up to 12 weeksTaxability Benefit is taxedDisability 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. Coverage is provided through Sun Life.*Earnings definition vary by position; please see Human Resources for more information.PLAN FEATURES LONG-TERMEmployee Benefit Amount 60% of your monthly earnings* up to $10,000 per monthElimination Period (Accident & Sickness)90 daysBenefit DurationSSNRA – Age 65Disability Definition “24-month own occupation” Loss of duties and loss of earnings requiredTaxabilityBenefit is not taxed; premiums are paid on a gross-up and deduct basisPre-Existing Condition 3/12*Earnings definition vary by position; please see Human Resources for more information.

GROUP LIFE INSURANCEThis 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 - 2025SentinelPLAN FEATURESEmployee Benefit Amount 1 x annual earnings*Maximum Benefit Amount $150,000Maximum AD&D Benefit $150,000Group life insurance coverage is an employer-sponsored safety net in case the worst happens, with no out-of-pocket costs to you. If you believe you need additional coverage, you may wish to enroll in voluntary life insurance as well. Evidence of insurability applies if electing coverage over the guaranteed issue as a new hire or applying for or increasing your coverage at any other time.LIFE BENEFIT EMPLOYEE SPOUSE DEPENDENTAmount Increments of $10,000 Increments of $5,000 $2,000/$4,000/$10,000Minimum Amount$10,000 $5,000$2,000$500 for age 14 days–6 monthsMaximum AmountThe lesser of $350,000 or 5 x annual earnings*No more than 50% of EE amount up to $100,000No more than 50% of EE amount up to $10,000Guaranteed Issue (Newly Eligible)$150,000 $30,000Notes Benefits reduce at age 65 Benefits end at age 70 Benefits end at age 26VOLUNTARY LIFE INSURANCE*earnings definition vary by position; please see Human Resources for more informationAGE BENEFIT REDUCTION65 Reduced to 65%70 Reduced by 50%The following chart shows how much benefits are reduced at certain ages.

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 - 2025SentinelVoluntary 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. These benefits are elected on a voluntary basis and paid for by the employee.WORKSITE BENEFITSAccidentPays a lump sum benefit if you or a covered family member experience an accident. Coverage can be purchased for employee and dependents. Wellness benefit is offered to all covered participants. Coverage is offered through Sun Life.Critical IllnessPays a lump sum benefit should a covered family member experience a heart attack, stroke or other covered serious illnesses. Wellness benefit is offered to all covered participants. Coverage is offered through Sun Life.Hospital IndemnityPays a lump sum benefit for hospital-related costs related to an illness or injury. Wellness benefit is offered to all covered participants. Coverage is offered through Sun Life.LegalFree and discounted legal care for divorce, traffic ticket defense, document review, etc. This benefit includes free tax return preparation and identity theft solutions. Coverage is offered through Legal Club.

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 - 2025SentinelWe offer a 401(k) plan through MVP Plan Administrators. You must be 21 years of age to participate. RETIREMENT SAVINGS Employee ContributionCompany Match1% 1%2% 2%3% 3%4% 3.5%5% + 4%InvestmentsYou can make changes to your investments at any time via the MVP website.Under the Manage tab, select Portfolio Rebalance to rebalance using your current allocation, select Investment Transfer to transfer your current assets between funds, or select Manage Contributions > Future Contributions to update your election for new contributions. RolloversThe plan allows previous 401(k) funds to be rolled over into this plan. You can access the Rollover Contribution Form through the MVP website under Participant Forms > Rollover Contribution Form.Beneficiary InformationBe sure to update/review your beneficiary at least once per year. On the MVP website you can locate beneficiary options under the settings icon in the top right corner and then click on Beneficiary.Contribution LimitsThe IRS has established the following maximum contributions:Company MatchSentinel provides a company match of 100% on the first 3% of deferral and then a 50% match on the next 2% deferral. It is a Safe Harbor Match with immediate vesting. Employee contributions are withheld from all paychecks. You can increase or decrease your contribution through the MVP website.2024 Tax Year 2025 Tax Year$23,000Participants 50 years of age can elect an additional $6,500 in catch-up contributions$23,500Participants 50 years of age can elect an additional $7,500 in catch-up contributions

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 - 2025SentinelTIME AWAY FROM WORKUnlimited Paid Time Off (PTO)An Unlimited Paid Time Off policy applies to all Employees after 90 days of continuous employment. Any PTO requested in the first 90 days of employment is subject to prior approval from the supervisor. Consecutive time off should be limited to 5 business days, unless otherwise approved by the Managing Partner. Whenever possible, PTO should be requested to your supervisor in writing at least 14 days prior to the first day of leave. If an employee’s time off usage is deemed to be excessive causing undue burden on team members, missed deadlines, or a decrease in productivity or service to Clients, that employee may lose the ability to participate in the unlimited paid time off policy.Community ServiceFull-time Employees are awarded forty (40) hours of Community Service Leave annually which may be used for volunteer participation in the programs, services, and organizations during regular business hours. Employees must receive approval from their supervisor to use this leave. The supervisor may require that the leave be taken at a time other than the one requested, based on the needs of the firm and its clients. Approved community service leave hours must be tracked in the PTO timekeeping system under “Community Service.” Leave not taken is forfeited; it shall not be carried into the next calendar year and employees shall not be paid for this leave upon separation.Parental LeaveSentinel provides up to four weeks of paid parental leave following the birth of an employee’s child or the placement of a child with an employee in connection with adoption or foster care. The purpose of paid parental leave is to enable the employee to care for and bond with a newborn or a newly adopted or newly placed child. This policy will run concurrently with Family and Medical leave, as applicable.For more information, please see Employee Handbook.

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 - 2025SentinelTIME AWAY FROM WORK, continuedHolidaysHolidays are declared at the discretion of management. Holiday pay for non-exempt employees will be paid at the employee’s regular rate of compensation for the hours the employee regularly would have worked during the day the holiday is observed. Holiday pay for an exempt employee is already included in his or her salary for the week. If a holiday falls during a period in which you are on an approved paid leave, you shall receive holiday pay for that recognized holiday and any accumulated vacation days will not be charged against you for that holiday. Unused holidays will not be reimbursed in cash or additional days off and are forfeited upon separation from employment for any reason. Whenever a holiday falls on the weekend, management will decide if and whether to observe the holiday on the Monday before or the Friday after the holiday and will announce it to staff within a reasonable amount of time.2024 Holidays• New Year’s Day – January 1, 2024• Martin Luther King Day – January 15, 2024• Memorial Day – May 27, 2024• Independence Day – July 4, 2024• Labor Day – September 2, 2024• Thanksgiving Day – November 28, 2024• Day after Thanksgiving – November 29, 2024• Christmas Eve and Christmas Day – December 24th and 25th 20242025 Holidays• New Year’s Day – January 1, 2025• Martin Luther King Day – January 20, 2025• Good Friday – April 18, 2025• Memorial Day – May 26, 2025• Independence Day – July 4, 2025• Labor Day – September 1, 2025• Thanksgiving Day – November 27, 2025• Day after Thanksgiving – November 28, 2025• Christmas Eve and Christmas Day – December 24th and 25th 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 - 2025SentinelWork From HomeOur current Work at Home policy allows eligible associates to work up to two days per week from home versus coming to the office. To be eligible, you must be an active employee past 90 days of employment, in good standing, and caught up on all outstanding tasks. Eligible associate will choose one set day every week to work from home- either a Tuesday or Thursday. The second day will rotate weekly between the remaining days, excluding Wednesday. All associates should be in the office Wednesdays for Working Together Wednesdays each week barring any previously approved time off.FLEXIBILITY IN THE WORKPLACE

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 SentinelOur 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)• Health Advocacy • Unlimited Virtual Concierge Services• Financial resources• Legal support• Discounts on theme parks, hotels, shopping, and more!NexGen EAP provides barrier-free access to mental health professionals and life coaches via phone, video, web, text, and chat. Connect with one of our Life Service Navigators for assistance or effortlessly schedule an appointment on your own through the NexGen EAP mobile app. Get support for a range of wellness needs, stress, anxiety, meditation, career development, relationship management, and much more.Health Advocates are available to provide benefits information and assistance navigating your health plan. They can also assist with healthcare claims and appeals management, billing assistance, prescription information and costs, and healthcare provider research.The Virtual Concierge Service features dedicated Personal Assistants available to provide you with research, referrals, or information on just about any topic including travel information, event planning, relocation, dining, entertainment, and more.Legal and Financial Consultations are available. Half-hour legal consultations can be used for issues including divorce, custody disputes and wills. Discounted legal fees are also available if a longer consultation is required. 90-minute financial consultations can aid with topics such as debt management, credit issues and budgeting. ID Theft resources are also available.ADVOCACY & EMPLOYEE ASSISTANCE PROGRAM (EAP)How to Get Started:Visit: www.nexgeneap.com Call: 800.327.2255Download the Mobile App: NexGenEAP

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 - 2025SentinelCARRIER RESOURCESBENEFIT CARRIER GROUP # PHONE NUMBER WEBSITEMedical BCBSNC 14175197 888-206-4697 www.bluecrossnc.com Dental Sun Life 949258 800-442-7742 www.sunlife.com/account Vision VSP via Sun Life 949258 800-877-7195 www.vsp.com HSA Optum Bank NA 866-234-8913 www.optumbank.com FSA Flores NA 800-532-3327 www.flores247.com Life Sun Life 949258 800-247-6875 www.sunlife.com/us Disability Sun Life 949258 800-247-6875 www.sunlife.com/us 401(K) MVP Administrators NA 919- 465-2220 www.mvp401k.com Legal Legal Club NA 800 -305 -6816 www.legalclub.com Accident Sun Life 949258 800-247-6875 www.sunlife.com/us Critical IllnessSun Life 949258 800-247-6875 www.sunlife.com/us Hospital IndemnitySun Life 949258 800-247-6875 www.sunlife.com/us EAP NextGen via eni 10863 800-327-2255 www.nextgeneap.com How to access ID CardsBENEFIT HOW TO ACCESSMedicalHard copy ID cards are issued and mailed to your home address;electronic copies can be accessed via www.bluecrossnc.com DentalGeneric ID cards can be accessed via the following link:www.sunlife.com/account VisionProviders should validate coverage with member’s name, date of birth, and last four digits of SSN

EMPLOYEE BENEFITS GUIDEPrepared By Sentinel | sentinelra.com2024 - 2025