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EMPLOYEEBENEFITSGUIDE2024

The benefits plan year runsJanuary 1st through December 31st. Unless you have a qualified change-in-status event that impacts your eligibility and the change is allowed under the terms of the insurance contract or plan document, you cannot make changes to your benefits until the next Open Enrollment period.Benefit changes must be consistent with your qualified change-in-status event. Changes must be submitted to Human Resources within 30 days of the event; documentation supporting the change will be required.Want to Understand Your Benefits Better?Scan the QR code below to watch an educational video.Who is eligible for benefits?All full-time employees who work a minimum of 30 hours per week are eligible for benefits. For new hires, benefits are effective on the first of the month following your date of employment.In addition to enrolling yourself, you may also enroll any eligible dependents. Eligible dependents are defined below:• Spouse: a person to whom you are legally married by ceremony• Child(ren): Your biological, adopted, or legal dependents up to age 26 regardless of student, financial, and marital status; coverage for a dependent child will terminate at the end of the month in which the child turns age 26Change-in-Status EventsUnless you have a qualified change-in-status event that impacts your eligibility and the change is allowed under the terms of the insurance contract or plan document, you cannot make changes to the benefits you elect until the next Open Enrollment period. Some examples of qualified change-in-status events are highlighted below:Marriage or divorceBirth, adoption, or deathChange in employment, or employment status for you, your spouse, or your dependent childChange in coverage under another employer plan, such as a change made during your spouse’s Open EnrollmentLyte Fiber takes pride in providing a comprehensive employee benefits program, and we recognize the important role employee benefits play as a critical component of your overall compensation. We strive to maintain a benefits program that is rewarding and competitive.WHAT’S INSIDEEmployee Resources Employee Contributions Medical Dental Vision Life/AD&D Disability Employee Assistance Program Travel Assistance Program Discounts Services2

EMPLOYEE RESOURCESPlanPolicy Number Phone Number and Website/EmailMedicalUnited HealthcarePending(800) 291-2634www.myuhc.com DentalPrincipal FinancialPending(800) 247-4695www.principal.com VisionPrincipal FinancialPending(800) 877-7195www.principal.com Life and Disability InsurancePrincipal FinancialPending(800) 245-1522www.principal.com Employee Assistance ProgramPrincipal FinancialPendingUse “Principal Core” as program name(800) 450-1327https://magellanascend.com Travel Assistance ProgramPrincipal FinancialPendingUS: (888) 647-2611; International: (630) 766-7696www.principal.com/travelassistance Many of our providers have mobile apps that provide personalized access to your benefits when and where you need it! There are also a variety of FREE health and fitness related apps available. Browse and download apps to your smartphone or tablet from the App Store or Google Play.THERE’S AN APP FOR THAT!EMPLOYEE CONTRIBUTIONS PER PAY PERIODBased on 24 pay periods per yearPlan Features Employee Employee + Spouse Employee + Child(ren) FamilyMEDICAL—Blue Cross$5,000 H.S.A. (DHLS)$44.95 $269.70 $269.70 $494.44$1,500 PPO (DHMJ)$46.97 $281.83 $281.83 $516.69$1,000 PPO (DHMD)$53.01 $318.05 $318.05 $583.08DENTAL—PrincipalPPO Plan$2.05 $12.14 $20.38 $32.67VISION—PrincipalVSP Vision$0.35 $2.74 $3.45 $6.463

MEDICAL & PRESCRIPTION PLAN HIGHLIGHTSUnited Healthcare4We offer three PPO plans for you to choose from. To locate a participating, in-network provider, visit www.myuhc.com This chart is intended for summary purposes only. If there are any discrepancies, the official plan documents will always govern. Pre-certification may be required for certain services.Plan FeaturesPlan Option 1$5,000 H.S.A. (DHLS)Plan Option 2 $1,500 PPO (DHMJ)Plan Option 3$1,000 (DHMD)In-Network; YOU PAY In-Network; YOU PAY In-Network; YOU PAYAnnual DeductibleAmount you must pay before the plan will begin to pay for certain services$5,000 individual$10,000 family$1,500 individual$4,500 family$1,000 individual$3,000 familyAnnual Out-of-Pocket MaximumMaximum amount you pay per year for covered expenses$6,500 individual$13,000 family$6,200 individual$12,400 family$2,500 individual$7,500 familyPREVENTIVE SERVICESWell-child visits and immunizations, routine GYN visit, annual adult physical, and other appropriate screenings as outlined in the ACANo charge No charge No chargeOFFICE VISITS, LABS, AND TESTINGTelehealth0% after deductible No charge No chargePrimary Care Office Visits 0% after deductible $15Children <19: $0$10Children <19: $0Specialist Office Visit0% after deductible $50 $40Diagnostic Test (x-ray, blood work)0% after deductible20% after deductible $40Imaging (CT/PET scans, MRIs) 0% after deductible 20% after deductible 0% after deductibleHOSPITALInpatient/Outpatient0% after deductible 20% after deductible 0% after deductibleURGENT AND EMERGENCY CAREUrgent Care Facility 0% after deductible $25 copay $25 copay Hospital Emergency Room 0% after deductible$300 copay + 20% after deductible$300 copay + 0% after deductiblePRESCRIPTION DRUGSRetail Pharmacy, up to 30-day supplyTier 1 Tier 2 Tier 3 Tier 4Tier 5 SpecialtyAfter Deductible$10$40$125$300$125 / $500$10$40$125$300$125 / $500$10$40$125$300$125 / $500Mail Order, 90 day supply 2.5x retail copay 2.5x retail copay 2.5x retail copayOUT-OF-NETWORKAnnual Deductible $10,000 individual$20,000 family$10,000 individual$20,000 family$10,000 individual$20,000 familyAnnual Out-of-Pocket Maximum Unlimited UnlimitedUnlimited

DentalWe are pleased to offer you a comprehensive dental PPO plan. You can visit any licensed dentist, but your costs are usually lowest with an in-network dentist. In-network dentists accept reduced fees for covered services; out-of-network dentists may balance bill you the difference between their usual fee and what the plan pays.Plan Features In-Network & Out-of-Network*NetworkPrincipal PPOCalendar Year Deductible Amount you must pay per calendar year before the plan begins to pay benefits waived for preventive$50 individual$150 familyPreventive and Diagnostic ServicesNo charge—no deductibleBasic ServicesDeductible, then 20%Major ServicesDeductible, then 50%Annual Benefit Maximum Maximum amount the plan will pay per calendar year$1,500 per person per calendar year, plus any maximum rollover benefitLifetime Orthodontia MaximumMaximum amount the plan will pay per lifetime$1,500 lifetime benefit(children & adults eligible)Limitations or waiting periods may apply for some benefits; some services may be excluded from your plan. These chart s are intended for summary purposes only. If there are any discrepancies, the plan document will always govern.*Dental Reimbursement for out-of-network services is based on the maximum contract allowances and not necessarily each dentist’s submitted fees. You will pay less money when you stay within the network. Need to locate a participating, in-network provider?visit www.principal.com. DENTAL & VISION PLAN HIGHLIGHTSPrincipal FinancialPrevention first!Make sure you take advantage of your preventive dental visits. Preventive care services are not subject to the deductible and the plan covers 100% of the cost if you visit an in-network provider!Maximum RolloverWith Maximum Rollover, you are eligible to roll over a portion of your unused annual maximum. To qualify, you must have had a dental service performed within the calendar year and used less than the maximum threshold. The threshold is equal to the lesser of 50% of the maximum benefit, or $1,000. If the qualification is met, 50% of the threshold is carried over to next year’s maximum benefit. You can accumulate no more than four times the carry over amount. Please be sure to schedule your annual exams because your entire accumulated amount will be forfeited if no dental service is submitted within a calendar year.5VSP VisionYour vision coverage provides a full range of vision care services. You may receive care from any provider you choose, but your benefits are greater when you see a participating provider in the network. If you choose to receive services from an out-of-network provider, you will be required to pay that provider at the time of service and submit a claim form for reimbursement.Plan Features VSP In-NetworkOut-of-Network ReimbursementVision ExamOnce every 12 months$10 copay Up to $45Eyeglass FramesOnce every 12 months$150 plan allowance + 20% off balance Up to $70Eyeglass Lenses Once every 12 months SingleBifocal TrifocalLenticular$25 copay$25 copay$25 copay$25 copayUp to $30 Up to $50 Up to $65Up to $100Contact Lenses Once every 12 months in lieu of eyeglassesElective: $150 allowanceNecessary: $25 copayUp to $105Up to $210

Basic Term Life and AD&D Insurance (Company Paid)All full-time employees working 30 or more hours per week are automatically enrolled in the basic life benefit. While coverage is automatic, is critical that you complete a beneficiary form when first enrolling in benefits. You can change your beneficiary at any time and as frequently as needed. LIFE & DISABILITY PLAN HIGHLIGHTSPrincipal FinancialDon’t forget to keep your beneficiary updated. 6Life insurance helps protect your family from financial risk and sudden loss of income in the event of your death. Accidental death and dismemberment (AD&D) insurance provides an additional benefit if you lose your life, sight, hearing, speech, or limbs in an accident. Company Paid SummaryLife Benefit$50,000Accidental Death Benefit$50,000Reduction ScheduleBy 35% @ 65; 50% @ 70Additional BenefitsConversion, Accelerated Death Benefit, Waiver of PremiumShort-Term Disability - 100% Company PaidBenefit Percentage60%Weekly Maximum$1,500Benefits BeginAfter 14 daysPre-Existing Condition Exclusion3 / 12Long-Term Disability - 100% Company PaidBenefit Percentage60%Monthly Maximum$6,000Benefits BeginAfter 90 daysPre-Existing Condition Exclusion12 / 12Why do you need Disability? How will you pay your bills if you were sick or injured? Even a short illness or injury could seriously impact your paycheck. What happens when your sick time runs out? Disability replaces part of your income if you are unable to work due to an accident, illness, or if you are expecting a new addition to your family. Maternity Leave is one of the most common uses for disability insurance. Fortunately, all full-time employees who work a minimum of 30 hours per week are automatically enrolled in Short-Term & Long-Term Disability benefits.

EMPLOYEE ASSISTANCE PROGRAMTRAVEL ASSISTANCE PROGRAMDISCOUNT SERVICES7Employee Assistance Program - 100% Company PaidLife isn’t always easy. Sometimes a personal or professional issue can affect your work, health, and general well-being. During these tough times, it’s important to have someone to talk with to let you know you’re not alone. We are pleased to offer an employee assistance program (EAP) for you and your immediate family members. Our EAP is a comprehensive resource providing access to professional assistance for a wide range of personal and work related issues. This service is strictly confidential and available 24/7, 365 days per year. Services include unlimited phone counseling, online resources, and up to 3 face-to-face sessions with a counselor per year. Sample topics include:✓Legal and financial matters✓Work and lifestyle✓Child / elder care resources and referrals✓Stress, anxiety, depression✓Substance abuse and addiction Travel Assistance Program - 100% Company PaidTake comfort in knowing that travel assistance travels with you worldwide, offering access to a network of professionals who can help you with local medical referrals or provide emergency assistance services in foreign locations. Travel assistance can help you avoid unexpected bumps in the road anywhere in the world for you, your spouse, and dependent children on any single trip, more than 100 miles from home.Sample topics include:✓Pre-trip assistance✓Emergency travel support services✓Telephonic translation / interpreter services✓Document replacement✓Medical assistance✓Identity theft✓Prescription replacement assistance ✓Emergency medical evacuationDiscounts & Services (available to employees enrolled in Principal)Laser Vision CorrectionEmployees, their spouses and dependent children save $800 with featured providers LasikPlus, TLC Laser Eye Centers or The LASIK Vision Institute or receive 15% off standard pricing or 5% off promotional pricing on LASIK through the National Lasik Networks administered by LCA Vision.Hearing Aid ProgramThrough Start Hearing, employees and their families are eligible for up to 48% off hearing aids.Will & Legal Document CenterEmployees and their spouses have free access to resources and tools provided by ARAG®² to prepare a will, living will, healthcare power of attorney, durable power of attorney, HIPPA authorization and medical treatment authorization for minors. Estate planning resources and a personal information organizer are also included.Identity Theft KitThis valuable resource from ARAG provides employees with information on how to protect their identity and restore it if stolen.Principal Oral Health CenterThis resource helps employees make better decisions about oral health care. Certified dentists can answer questions, and a dental cost estimator shows approximate costs in a specific ZIP code. The site is also available in Spanish. Stay informed about your dental health: https://www.principal.com/find-dentistTeeth WhiteningEmployees, their spouses and dependent children can save 20% on a dentist-invented teeth whitening technology from GLO Science. Available for home use, it’s fast and sensitivity free.