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EMPLOYEE BENEFITSGUIDE2024An overview of the wide array of benefits provided byOrigin Food Group 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.2024 Employee Benefits GuideOrigin Food GroupAs an employee of Origin Food Group, 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 plan year, Origin Food Group 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 Origin Food Group 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 Origin Food Group 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 1st of month following 60 days of employmentBenefits End End of month following 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.2024 Employee Benefits GuideOrigin Food GroupCoverage Provided by United HealthcareIn-Network Choice Plus $3,500 Choice Plus $1,500Benefit Period Calendar Year: 1/1 – 12/31 Calendar Year: 1/1 – 12/31Deductibles (Individual / Family) $3,500/$7,000 $1,500/$3,000Out-of-Pocket Max (Individual / Family)$8,150/$16,300 $5,000/$10,000Preventive Care Covered 100% Covered 100%Primary Care Visit$25 Copay$0 Copay (less than age 19)$25 Copay$0 Copay (less than age 19)Specialist Visit $75 Copay $75 CopayTelehealth $0 Copay $0 CopayUrgent Care $50 Copay $50 CopayEmergency Room$300 Copay, then 50% after deductible$300 Copay, then 20% after deductibleOutpatient Procedure 50% after deductible 20% after deductibleInpatient Visit 50% after deductible 20% after deductiblePharmacy / RX (Up to 31 Day Supply)Advantage FormularyRetail: $10/$35/$75/$250Specialty: $10/$150/$350/$500Mail Order: 2.5x CopayRetail: $10/$35/$75/$250Specialty: $10/$150/$350/$500Mail Order: 2.5x CopayMEDICALThe chart below is an overview of the In-Network benefits. Out-of-Network benefits are available; please review your UHC 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.2024 Employee Benefits GuideOrigin Food GroupWellness 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 Origin Food Group, 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 PeriodChoice Plus $3,500 Bi-Weekly Deductions (26)Choice Plus $1,500 Bi-Weekly Deductions (26)Employee $0.00 $25.33Employee + Spouse $300.27 $361.08Employee + Child(ren) $147.67 $190.44Employee + Family $482.16 $564.45Your 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.2024 Employee Benefits GuideOrigin Food GroupEmployees and dependents enrolled in our medical plan have access to telemedicine. 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 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.2024 Employee Benefits GuideOrigin Food GroupThis 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.Refer to your FSA documentation for more details.Health FSA Eligible Expenses• Medical expenses: copays, coinsurance and deductibles• Dental expenses: exams, cleanings, X-rays and braces• Vision expenses: exams, contact lenses, eyeglasses and laser eye surgery• 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 monitorsFLEXIBLE 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.2024 Employee Benefits GuideOrigin Food GroupSummary of CoverageCoverage Provided by United HealthcareIn-Network(Low Plan)In-Network(High Plan)Annual Deductibles(Individual / Family)$50/$150 $50/$150Preventive Care 100% 100%Basic Procedures 80% 80%Major Procedures 50% 50%Child Orthodontics 50% 50%Calendar Year Maximum Benefit $1,250 $3,000Orthodontics Lifetime Maximum $1,000 $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 Period Bi-Weekly Deductions (26) Bi-Weekly Deductions (26)Employee $16.84 $18.64Employee + Spouse $33.67 $37.28Employee + Child(ren) $38.24 $45.44Employee + Family $57.92 $67.65Your 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.2024 Employee Benefits GuideOrigin Food GroupSummary of CoverageCoverage provided by United Healthcare In-NetworkVision Exam (once per plan year) $10 CopayLenses (once per plan year) $25 CopayFrames (once every 2 years)$25 Copay,Up to $130 AllowanceElective Contact Lenses Up to $105 AllowanceVISIONOur vision coverage is provided by UHC. Please review your plan documents for additional details.Pricing Per Pay Period Bi-Weekly Deductions (26) Employee $2.99Employee + Spouse $5.67Employee + Child(ren) $6.66Employee + Family $9.36Your 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.2024 Employee Benefits GuideOrigin Food GroupSummary of CoverageCoverage provided by United HealthcarePlan FeaturesEmployee Benefit Amount $15,000Maximum Benefit Amount $15,000AD&D Benefit $15,000Benefit Reductions Begin at age 65Group life insurance coverage is an employer-sponsored safety net in case the worst happens, with no out-of-pocket costs to you. GROUP LIFE and AD&D INSURANCE

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.2024 Employee Benefits GuideOrigin Food GroupSummary of CoverageCoverage provided by United HealthcarePlan Features Short-Term Disability Long-Term DisabilityCoverage Paid By Origin Food Group Origin Food GroupEmployee Benefit Amount 60% of earnings 60% of earningsMaximum Benefit Amount $500/weekly $3,000/monthlyElimination Period 14 days accident / 14 days sickness 180 daysBenefit Duration 26 weeks ADEA 1 with NRADisability 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.Our Employee Assistance Program (EAP) from Optum offers you and your family personal and confidential support that’s available 24/7. The program includes:• Counseling services• Legal and Financial consultation• Referrals to community resources EMPLOYEE ASSISTANCE PROGRAM (EAP)Call 1.877.660.3806or visit www.liveandworkwell.com Access Code: LTDEAPSelect Benefits tab at the topSelect EAP or Legal and Financial

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.2024 Employee Benefits GuideOrigin Food GroupVoluntary Benefits are designed to complement your health insurance and help provide extra financial protection. VOLUNTARY BENEFITSMedical Bridge (Hospital Indemnity)Hospital indemnity insurance from Colonial Life can help you pay for medical expenses that your health insurance may not cover for the following medical services: hospital confinement, outpatient surgical procedures, diagnostic procedures, wellness screenings, and medical treatment package.• Benefits are payable directly to you (unless you specify otherwise) and can be used as you see fit.• Coverage is available for you, your spouse, and eligible dependent children.• Benefits are payable regardless of any other insurance you may have with other companies.AccidentWith Accident insurance from Colonial Life, you can receive benefits to help with the expenses of a covered accident. • A set amount is payable based on the injury you suffer and the treatment you receive.• You do not need to answer medical questions or have a physical exam to get basic coverage. • Unlike workers’ compensation, which only covers on-the-job injuries, accident insurance covers injuries that happen on the job or off the job.• Coverage is available for you, your spouse, and eligible dependent children.Critical Illness with CancerCritical Illness insurance from Colonial Life helps supplement your major medical coverage by providing a lump-sum benefit you can use to pay the direct and indirect costs related to a covered critical illness.• Benefits are payable directly to you unless you specify otherwise. • You may receive additional benefits if you’re diagnosed with more than one critical illness. • Coverage options are available for you, your spouse, and eligible dependent children. Term Life InsuranceTerm Life insurance from Colonial Life provides protection for a specified period, typically offering the greatest amount of coverage for the lowest initial premium.• A beneficiary can receive a benefit that is typically free from income tax.• The policy’s accelerated death benefit can pay a percentage of the death benefit if the covered person is diagnosed with a terminal illness. Accelerated benefit payments will reduce the amount the policy pays upon the recipient’s death. • You can convert it to a Colonial Life cash value insurance plan, with no proof of good health, to age 75.

EMPLOYEE BENEFITS GUIDEPrepared By Sentinel Benefits Consulting | sentinelra.com2024Origin Food Group