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SALARIED EMPLOYEE BENEFITSGUIDE2024 - 2025An overview of the wide array of benefits provided byBreak Bread Ventures to help you enjoy increased well-being and financial security.

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.Salaried Employee Benefits Guide2024 - 2025 Break Bread VenturesAs an employee of Break Bread Ventures, 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, Break Bread Ventures has worked hard to offer a competitive total rewards package that includes valuable and competitive benefit plans. These programs reflect our commitment to keeping our staff healthy and secure. We understand that your situation is unique, and Break Bread Ventures 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 Break Bread Ventures 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.INTRODUCTIONEligibility & 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 91stday after your date of hireBenefits End End of the month following terminationDependents Your legal spouse and children up 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.Salaried Employee Benefits Guide2024 - 2025 Break Bread VenturesSummary of Coverage: Choice Plus Direct HSACoverage Provided by UnitedHealthcare (UHC)IN NETWORK OUT OF NETWORKDeductibles (Individual / Family) $5,000 / $10,000 $10,000 / $20,000Out-of-Pocket Max (Individual / Family)$6,500 / $13,000 $13,000 / $26,000Preventive Care Covered in full 30% after deductiblePrimary Care Visit 30% after deductible 50% after deductibleSpecialist Visit 30% after deductible 50% after deductibleDiagnostic Exam 30% after deductible 50% after deductibleX-Rays 30% after deductible 50% after deductibleOutpatient Procedure 30% after deductible 50% after deductibleInpatient Visit 30% after deductible 50% after deductibleEmergency Room 30% after deductible 30% after deductibleUrgent Care 30% after deductible 50% after deductibleTelehealth Covered in full 50% after deductiblePharmacy / RX (30 Day Supply)30% after deductible then,$10/$35/$75/$15050% after deductible then,$10/$35/$75/$150MEDICAL

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.Salaried Employee Benefits Guide2024 - 2025 Break Bread VenturesWellness 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 Break Bread Ventures, all covered individuals and family members are eligible to receive routine wellness services like these, 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 PeriodEmployee $20.00Employee + Spouse $148.38Employee + Child(ren) $129.12Employee + Family $289.60Your Cost

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.Salaried Employee Benefits Guide2024 - 2025 Break Bread VenturesEmployees and dependents enrolled in our medical plan have access to telemedicine through UnitedHealthcare Virtual Visits. 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 conditionsRefer 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 moreBehavioral health issues such as:• Addictions• Anxiety• Depression• Grief and loss• Relationship issues• And moreHow Do I Access Telehealth?Using your mobile device, tablet or computer, set up an account at www.myuhc.com Download the UnitedHealthcare mobile app.

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.Salaried Employee Benefits Guide2024 - 2025 Break Bread VenturesA health savings account (HSA) is a health care account and savings account in one. HSA helps offset the cost of a HDHP 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 Optum Bank HSA on a pre-tax basis through payroll deductions up to the IRS statutory maximums. These maximums include the employer contribution of $25 per month. The IRS has established the following maximum HSA contributions:2023 Tax Year 2024 Tax Year$3,850 Individual / $7,750 Family $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.Salaried Employee Benefits Guide2024 - 2025 Break Bread VenturesThis Is How An HRA Works:• Your employer sets up an HRA account for each participant.• You don't contribute any money to your HRA account; the HRA account is funded entirely by your employer.• Each plan year, your employer contributes a specified amount to each participant's HRA. As long as there is money in your account, you can use the funds towards eligible HRA expenses.• Depending on the HRA your employer chooses, you may roll over HRA dollars that aren't used during a plan year.Please refer to your Summary Plan Description (SPD) for specific details about your HRA.How Do I Benefit From An HRA?HRAs benefit everyone; you will appreciate your HRA because you don't pay taxes on the money in your account or your reimbursement expenses. Break Bread Ventures will reimburse up to $2,000/individual and $4,000/family after you have satisfied the first $1,000 of your deductible.Eligible ExpensesOnly eligible expenses can be reimbursed under your HRA. These expenses are defined by the IRS rules and by the Break Bread Ventures plan. Learn more about eligible HRA expenses by reading the Summary Plan Description (SPD).Eligible expenses are those that you pay for out of your pocket for medical care that's provided to you, your spouse, and eligible dependents. Generally, IRS rules state that medical care includes items and services that are meant to diagnose, cure, mitigate, treat, or prevent illness or disease. Transportation that is primarily for medical care is also included. Here are some examples of HRA-eligible expenses:• Your health plan deductible (the amount you pay before your plan starts paying a share of your costs)• Your share of the cost for doctor's office visits and prescription drugs• Your share of the cost for eligible dental care, including exams, X-rays and cleanings• Your share of the cost for eligible vision care, including exams, eyeglasses, contact lenses, and laser eye surgeryRefer to your HRA documentation for more information.HEALTH REIMBURSEMENT ACCOUNT (HRA)

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.Salaried Employee Benefits Guide2024 - 2025 Break Bread VenturesSummary of CoverageCoverage Provided by Reliance Standard(Ameritas Provider Network)In-NetworkAnnual Deductibles(Individual / Family)$50 / $150Preventive Care Covered in fullBasic Procedures (extractions, fillings, etc.)20%Major Procedures(crowns, dentures, etc.)50%Child Orthodontics (up to age 19)50%$1,500 lifetime maximumCalendar Year Maximum Benefit $1,500DENTALBelow 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 $8.22Employee + Spouse $17.09Employee + Children $22.15Employee + Family $31.02Your Cost

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.Salaried Employee Benefits Guide2024 - 2025 Break Bread VenturesSummary of CoverageCoverage provided by Reliance Standard (VSP Provider Network)In-NetworkVision Exam (Once per plan year) Covered in fullLenses (once per plan year) Covered in fullSingle Covered in fullBifocal Covered in fullTrifocal Covered in fullFrames (Once every 2 years) $130Standard Contact Lenses Fit & Follow Up Exam Up to $60Elective Contact Lenses Up to $130Medically Necessary Contact Lenses Covered in fullVISIONOur vision coverage is provided by Reliance Standard / VSP. Please review your plan documents for additional details.Pricing Per Pay PeriodEmployee $1.56Employee + Spouse $3.03Employee + Children $2.72Employee + Family $4.20Your Cost

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.Salaried Employee Benefits Guide2024 - 2025 Break Bread VenturesSummary of CoverageCoverage provided by ReliancePlan Features Short Term DisabilityCoverage Paid By Break Bread VenturesEmployee Benefit Amount 60% of your weekly earningsMaximum Benefit Amount $1,500 per weekElimination Period (Accident) NoneElimination Period (Sickness) 7 daysBenefit Duration 26 weeksDisability 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.

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.Salaried Employee Benefits Guide2024 - 2025 Break Bread VenturesOur EAP is offered through Forte. Forte is the metal wellness platform providing Content and Connections with trained professionals to help you process work, home, and everything in between. • Unlimited access to confidential conversations with SoulCare® certified, professional Guides• Weekly Wellness newsletters• SoulCare® challenges• Reflection Polls• E-Courses• Webinars with industry expertsHow to start:• You’ll receive a personal invitation sent to your inbox to create a Forte account.• Complete a short sign-up and select any Guide that you’d like.• Book your first connection. Then, book as much and as often as you’d like.EMPLOYEE ASSISTANCE PROGRAM (EAP)

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.Salaried Employee Benefits Guide2024 - 2025 Break Bread VenturesCarrier ResourcesBENEFIT CARRIER PHONE NUMBER WEBSITEMedical UnitedHealthcare 866-908-5940 www.myuhc.comDental Reliance 800-351-7500 www.reliancestandard.com/dentalvisionVision Reliance 800-351-7500 www.reliancestandard.com/dentalvisionShort-Term DisabilityReliance 800-351-7500 www.reliancestandard.comHSA Optum Bank 866-234-8913 www.optumbank.comHRA Flores 800-532-3327 www.flores247.comEAP Forte 877-207-5227 www.getforte.com

Know Your BenefitsBrought to you by: Sentinel Risk Advisors, LLCMedical Insurance InformationDeductible: A deductible is the amount of money you or your dependents must pay toward a health claim before your organization’s health plan makes any payments for health care services rendered. For example, a plan participant with a $100 deductible would be required to pay the first $100, in total, of any claims during a plan year.Copayment (Copay): A copay is a flat fee you pay upfront for doctor visits, prescriptions, and other healthcare services. It does not count toward your deductible. Coinsurance: On top of your deductible, coinsurance is a provision in your health plan that shows what percentage of a medical bill you pay and the percentage a health plan pays.Out-of-pocket Maximum (OOPM): An OOPM is the maximum amount (deductible and coinsurance) that you will have to pay for covered expenses under a plan. Once the OOPM is reached the plan will cover eligible expenses at 100 percent.Explanation of Benefits (EOB): An EOB is a description your insurance carrier sends to you explaining the health care benefits that you received and the services for which your health care provider has requested payment.Preferred Provider Organization (PPO): A PPO is a group of hospitals and physicians that contract on a fee-for-service basis with insurance companies to provide comprehensive medical service. If you have a PPO, your out-of-pocket costs may be lower than in a non-PPOplan.High Deductible Health Plan (HDHP): An HDHP is a type of insurance plan that offers a low premium offset by a high deductible. Because of the low cost of the plan, the insurer will not cover most medical expenses until the deductible is met. As an exception, preventive care services are typically covered before the deductible is met. HDHPs are often designed to be compatible with heath savings accounts (HSAs), which are tax-advantaged accounts that can be used to pay for qualified out-of-pocket medical expenses before the HDHP’s deductible ismet.This Know Your Benefits article is provided by Sentinel Risk Advisors, LLC and is to be used for informational purposes only and is not intended to replace the advice of an insurance professional. © 2005, 2011, 2013-2014, 2020 Zywave, Inc. All rights reserved.

Know Your BenefitsBrought to you by: Sentinel Risk Advisors, LLCDental Insurance InformationAnnual Maximum: The total dollar amount that a plan will pay for dental care for an individual member or family member (under a family plan) for a specified benefit period, typically a calendar year.Assignment of Benefits: When a member authorizes the dental plan to forward payment for a covered procedure directly to a member’s dentist.Balance Billing: When a participating dentist bills a member for amounts indicated as not billable to the patient by the dental carrier. Participating dentists agree to accept the fee approved by the dental carrier as payment in full and cannot bill a member for any difference.Benefit Year: The 12-month period a member’s dental plan covers, which is not always a calendar year.Contracted Fee: The fee for each single procedure that a dentist has agreed to accept as payment in full for covered services provided to a member.Covered Service: A dental treatment for which payment is provided under the terms of a member’s dental plan.In-Network Dentist: A dentist who has agreed to be a part of the dental carrier’s network and accept pre-established fees for his or her professional dental services.Lifetime Maximum: The maximum amount a plan will pay over the course of a lifetime. It may apply to an individual or a family and typically applies to specific treatments such as orthodontic treatment.Maximum Plan Allowance (MPA): The amount set by the dental carrier that an in-network dentist has agreed to charge for a service.Waiting Period: A period of time before a member is eligible to receive benefits for all or certain treatments. It typically applies to expensive services such as dentures or crowns.This Know Your Benefits article is provided by Sentinel Risk Advisors, LLC and is to be used for informational purposes only and is not intended to replace the advice of an insurance professional. © 2005, 2011, 2013-2014, 2020 Zywave, Inc. All rights reserved.

Know Your BenefitsBrought to you by: Sentinel Risk Advisors, LLCVision Insurance InformationFrames Allowance: Your allowance is the amount the vision carrier will cover for your frames or for lens enhancements. For frames, a typical allowance is $150. In that case if you choose frames that cost less than $150, you pay nothing. If you choose frames that cost more than $150, you’ll pay the difference. So, for frames that cost $170, you’ll pay $20 at the doctor’s office.Frequency: How often you can get an exam or eyewear with your VSP network doctor.Lens Enhancement: A lens enhancement or lens option is an elective feature for your prescription lenses designed to improve your overall experience with your glasses. They often improve your vision and/or comfort. Here’s a list of some common lens enhancements:• Scratch-resistant coatings - Reduces normal scratching and pitting on plastic lenses.• Impact-resistant, also referred to as polycarbonate lenses - A lens material that is impact and scratch resistant, light, thin and gives UV protection.• Anti-glare coating, also referred to as anti-reflective coating - Combats eyestrain from glare, reflections and in some cases blue light from digital devices. Protects lenses from scratches.• No-line multifocal, also referred to as progressive lenses - Lenses with multiple prescription zones for near, mid and long-range vision and no visible line separating these zones as you would see on a bi-focal.This Know Your Benefits article is provided by Sentinel Risk Advisors, LLC and is to be used for informational purposes only and is not intended to replace the advice of an insurance professional. © 2005, 2011, 2013-2014, 2020 Zywave, Inc. All rights reserved.

SALARIED EMPLOYEE BENEFITS GUIDEPrepared By Sentinel Benefits Consulting | sentinelra.com2024 - 2025Break Bread Ventures