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EMPLOYEE BENEFITSGUIDE2024- 2025An overview of the wide array of benefits provided byLefler Electronics 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.Employee Benefits Guide2024 - 2025 Lefler ElectronicsAs an employee of Lefler Electronics, 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, Lefler Electronics 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 Lefler Electronics 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 Lefler Electronics 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 On the 91stday after your hire dateBenefits End Date of terminationDependents Your legal spouse and dependents 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.Employee Benefits Guide2024 - 2025 Lefler ElectronicsComparison of PlansCoverage Provided by Blue Cross of NCIn-Network Blue Options PPO 4000Blue High Performance Network (HPN) EPO 4000*Benefit Period Plan Year: 4/1 – 3/31 Plan Year: 4/1 – 3/31Deductibles (Individual / Family) $4,000 / $8,000 $4,000 / $8,000Out-of-Pocket Max (Individual / Family)$8,000 / $16,000 $8,000 / $16,000Preventive Care Covered in full Covered in fullPrimary Care Visit$50 CopayRegister your PCP on www.BlueConnect.comand 1stthree visits copay waved$50 CopayRegister your PCP on www.BlueConnect.comand 1stthree visits copay wavedSpecialist Visit $100 Copay $100 CopayTelehealth via Teladoc $10 Copay $10 CopayUrgent Care $100 Copay $100 CopayEmergency Room $500 Copay $500 CopayOutpatient Procedure 30% after deductible 30% after deductibleInpatient Visit 30% after deductible 30% after deductiblePharmacy / RX Tiers 1-5Essential Formulary$10 / $35 / $60 / 25%* / 25%**$100 maximum(per 30 day supply)NetResults Formulary$10 / $35 / $60 / 25%* / 25%**$100 maximum(per 30 day supply)MEDICALThe chart below is an overview of the In-Network benefits. Out-of-Network benefits are available for the Blue Options PPO Plan only; please review your BCBSNC plan documents for additional details.*The HPN out-of-network benefits include Emergency Care and Urgent Care only. Look up in-network providers at: www.BlueCrossNC.com/HPNdoctors

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 Lefler ElectronicsWellness 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 Lefler Electronics, 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 Period Blue Options PPO 4000High Performance Network (HPN) 4000Employee$52.61 $10.35Employee + Spouse$348.30 $239.86Employee + Children$274.38 $182.49Employee + Family$570.06 $411.97Your 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.Employee Benefits Guide2024 - 2025 Lefler ElectronicsWHICH PLAN IS RIGHT FOR YOU?HEALTH INSURANCE PLAN OPTIONSBlue High Performance Network Blue OptionsOVERVIEWUses a thoughtfully crafted network of doctors and hospitals that consistently deliver high-quality care at lower costs.Consider if you:• Want lower costs• Want high-quality, coordinated care• Don’t mind switching doctors if your current one is not in the BlueHPN network• Live within areas covered by BlueHPN• Do not require out-of-network coverageOffers full access to a broad network of providers and specialists for maximum convenience.Consider if you:• Don’t mind spending more• Want access to our full network of providers• Have a specific doctor or specialist you want to use• Need broad national network coverage• Need broad international coverageIN-NETWORK COVERAGE (NATIONAL)•65+ metro areas nationally • 95% of all doctors1• 98% of all hospitals1OUT-OF-NETWORK COVERAGE• Emergency care• Urgent care (In BlueHPN service areas, urgent care must be received from anin-network urgent care provider. Outside of BlueHPN service areas, you can visit any urgent care provider)• Out-of-network coverage is available; benefit levels differ from in-network

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 Lefler ElectronicsHOW DOES BLUE HPN SAVE YOU MONEY?SHOULDER ARTHROSCOPY CAESAREAN SECTION GALLBLADDER REMOVALBlue Options BlueHPN NC Blue Options BlueHPN NC Blue Options BlueHPN NCTOTALPROCEDURE COST$16,800 $12,000 $20,700 $15,300 $12,200 $8,800MEMBERCOST SHARE$5,300 $4,400 $6,100 $5,000 $4,400 $3,700MEMBERSAVINGS$900 $1,100 $700Understanding a few things about BlueHPN coverage will make a big difference in how much you pay and ensure that you are getting high-quality care.Remember to stay in-networkFor a health care service to be covered under your plan, you must receive the service from a BlueHPN provider, except for emergency care services which are covered regardless of whether the provider is in-network. When outside a BlueHPN service area, emergency care and urgent care services are covered, regardless of whether the provider is in-network. See maps of the BlueHPN coverage areas on the following page or visit at BlueCrossNC.com/BlueHPNmap. Of course, if you’re ever in an emergency situation, always seek medical attention immediately.

••••••••• Caswell• Chatham• Durham• GranvilleKey Hospitals• Duke Connected Care• Duke Primary Care• Duke Raleigh Hospital• Duke Regional Hospital• Duke UniversityHospital• Granville Health SystemCharlotte Market Winston-SalemMarket Triangle MarketHickory StatesvilleMarket• Davidson• Davie• Forsyth• GuilfordKey Hospitals• Baptist Medical Center• CareNet• Cornerstone Health Care• Davie Medical Center• High Point Medical Center• Lexington Medical Center• Wake Forest University Physicians• Wilkes Medical CenterHickory Statesville Market• Alexander• Catawba• IredellKey Hospitals• Atrium Health• Atrium Health Wake ForestBaptist• Frye Regional Medical Center (under Duke LifePoint)• Iredell Health System• OrthoCarolina• Anson• Cabarrus• Cleveland• Gaston• LincolnKey Hospitals• Atrium Health• Carolina Neurosurgery & Spine• Charlotte Eye Ear Nose & Throat Association• Metrolina Nephrology• OrthoCarolina• Tryon Medical PartnersTriangle Market• Mecklenburg• Rowan• Stanly• Union• York, SC• Randolph• Stokes• Wilkes• Yadkin• Orange• Person• WakeRaise the bar on quality. Lower costs.The Blue High Performance Network (BlueHPNSM) is designed to deliver both outstanding care and cost savings. Participating providers are committed to and accountable for improving care quality.The benefits of BlueHPN start on the local level with in-network access to top providers.It is available to employees living in the following counties:1Charlotte Market Winston-Salem MarketNetwork access extends to 65+ major U.S. markets:2In North Carolina, BlueHPN is available to Fully Insured ACAemployer groups headquartered within the North CarolinaBlueHPN markets (excluding York, SC) and to employees livingwithin the North Carolina BlueHPN market area (which includesYork, SC). For Fully Insured 51+, ASO and Balance Funded 20+groups, BlueHPN is available to employers headquarteredwithin North Carolina and to employees living in any of the 65+BlueHPN markets nationally.BlueHPN providers are evaluated using nationally-recognizedclinical quality measures and industry standards.Combined with market-specific metrics addressing local carechallenges, this model helps improve the quality of care andlower costs to drive meaningful change.SMHighPerformance NetworkBlueCrossNC.com

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 Lefler ElectronicsEmployees and dependents enrolled in our medical plan 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 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 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 1-800-835-2362Refer 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 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 Lefler ElectronicsSummary of CoverageCoverage Provided by Guardian In-NetworkAnnual Deductibles(Individual / Family)$0 / $0Preventive Care Covered in fullBasic Procedures (extractions, fillings, etc.)20%Major Procedures(crowns, dentures, etc.)50%Child Orthodontics N/ACalendar Year Maximum Benefit $1,000Maximum Rollover Limit $1,000DENTALBelow 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 $17.22Employee + Spouse $38.99Employee + Children $42.84Employee + Family $64.72Your 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.Employee Benefits Guide2024 - 2025 Lefler ElectronicsSummary of CoverageCoverage provided by Community Eye Care In-NetworkVision Exam (Once per plan year) $10 CopayLenses (once per plan year) $150 AllowanceFrames (once per plan year) $150 AllowanceElective Contact Lenses $150 AllowanceMedically Necessary Contact Lenses $0 CopayVISIONOur vision coverage is provided by Community Eye Care (CEC Vision). Please review your plan documents for additional details.Pricing Per Pay PeriodEmployee $4.95Employee + Spouse $9.45Employee + Children $14.40Employee + Family $14.40Your 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.Employee Benefits Guide2024 - 2025 Lefler ElectronicsGroup 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. Employees must fill out an EOI form if they exceed the guaranteed issue amount.VOLUNTARY LIFE and AD&D INSURANCESummary of CoverageLife Benefit Employee Spouse DependentAmount Increments of $10,000 Increments of $5,000 FlatMinimum Amount $10,000 $5,000 $10,000Maximum Amount $250,000 $250,000 $10,000Guarantee Issue (Newly Eligible Employees)$50,000 up to age 65 $25,000 up to age 65 $10,000Benefits Will Reduce By35% at age 6560% at age 7075% at age 7585% at age 80(based on employee’s age)35% at age 6560% at age 7075% at age 7585% at age 80N/AChild(ren) 15 Days – Age 26Birth – 14 days: $50015 days – age 26: $10,000For summary of rate sheet, please see carrier summary or Employee Navigator.Cost is age-banded and based on employee’s age.The amount of AD&D coverage is equal to the life insurance amount.

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 Lefler ElectronicsCarrier ResourcesBENEFIT CARRIER PHONE NUMBER WEBSITEMedical BCBSNC 877-275-9787 www.BlueConnectNC.comDental Guardian 800-627-4200 www.guardiananytime.comVision Community Eye Care 888-254-4290 www.cecvision.comVoluntary Life Guardian 800-627-4200 www.guardiananytime.comHow to access ID CardsBENEFIT CARRIER HOW TO ACCESSMedical BCBSNCHard copy ID cards are issued and mailed to your home address.Electronic copies can be accessed here: https://member.bcbsnc.com/blueconnect/web/registrationDental GuardianHard copy ID cards are issued and mailed to your home address. Electronic copies can be accessed via the member portal. ID Cards are not required to receive services.Vision Community Eye CareHard copy ID cards are issued and mailed to your home address. You can obtain a new ID card by logging into your member portal. The new ID card will be generated and mailed the next business day. How to EnrollEMPLOYEE NAVIGATOREmployee Navigator will send you a welcome email. You must click on the link in the email to enroll, and you must elect a different username than you have used for Employee Navigator in the past.• Log into Employee Navigator and complete the OE wizard• You must enroll or waive coverage OR your current coverage will be cancelled.• Detailed instructions are on the following pages.

Employee Navigator Enrollment InstructionsENROLL IN YOUR BENEFITS: One step at atimeStep 1: Log InGo to www.employeenavigator.com and click Login• Returning users: Log in with the username and password you selected. Click Reset a forgotten password.• First time users: Click on your Registration Link in the email sent to you by your admin or Register as a new user. Create an account and create your own username and password.Step 2: Welcome!After you login click Let’s Begin to complete your required tasks.Step 4: Start EnrollmentsAfter clicking Start Enrollment, you’ll need to complete some personal& dependent information before moving to your benefit elections.T I PHave dependent details handy. To enroll a dependent in coverage you willneed their date of birth and Social Securitynumber.Step 3: Onboarding (For first time users, if applicable) Complete any assigned onboarding tasks before enrolling in your benefits. Once you’ve completed your tasks click Start Enrollment to begin your enrollments.T I Pif you hit “Dismiss, complete later” you’ll be taken to your Home Page. You’ll still be able to start enrollments again by clicking “Start Enrollments”

Step 8: HR Tasks (if applicable)To complete any required HR tasks, click Start Tasks. If your HR department has not assigned any tasks, you’re finished!You can login to review your benefits 24/7Step 7: Review & Confirm ElectionsReview the benefits you selected on the enrollment summarypageto make sure they are correct then click Sign & Agree to complete your enrollment. You can either print a summary of your elections for your records or login at any point during the year to view your summary online.T I PIf you miss a step, you’ll see Enrollment Not Complete inthe progress bar with the incomplete steps highlighted. Click on any incomplete steps to complete them.Click Save & Continue at the bottom of each screen to save yourelections.If you do not want a benefit, click Don’t want this benefit? at the bottom of the screen and select a reason from the drop-down menu.Step 6: FormsIf you have elected benefits that require a beneficiary designation, Primary Care Physician, or completion of an Evidence of Insurability form, you will be prompted to add in thosedetails.Step 5: Benefit ElectionsTo enroll dependents in a benefit, click the checkbox next to the dependent’sname under Who am I enrolling?Below your dependents you can view your available plans and the cost per pay. To elect a benefit, click Select Plan underneath the plan cost.Employee Navigator Enrollment Instructions

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.Exclusive Provider Organization (EPO): An EPO is a healthcare plan that only pays for care provided by hospitals, doctors, and specialists in your network (excluding emergencies). 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 Guardian. Participating dentists agree to accept the fee approved by Guardian 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 Guardian’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 Guardian that a 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 Community Eye Care (CEC Vision) 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 CEC Vision 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.

EMPLOYEE BENEFITS GUIDEPrepared By Sentinel Benefits Consulting | sentinelra.com2024 - 2025Lefler Electronics