Manson Construction 2025 Non-Union Craft Benefits Guide : simplebooklet.com

TABLE OF CONTENTSYour 2025 Non-Union Craft Health Benefits �� 3  Our Message �� 3Benefit Basics �� 4  Eligibility �� 4Benefitfocus Marketplace �� 6  Dependent Verification �� 6Benefit Costs �� 8Premera Medical Coverage �� 10Out-of-Area Benefits �� 13  Notes About Your Medical Plan �� 13NEW! Delta Dental Coverage �� 14Vision Service Plan Vision Coverage � �� 16Premera Extras �� 18  Online and Mobile Access �� 18  Premera “BestBeginnings” Maternity �� 19  Talkspace Virtual Therapy for Behavioral Health �� 20  Premera Chronic Condition Management - Livongo �� 21  Doctor On Demand � �� 22  98point6 �� 23  Virtual Physical Therapy – Omada � �� 24  Matchmaker for Behavioral Health �� 25  Kinwell Clinic �� 26Notice of Special Enrollment Rights �� 27Important Legal Rights Information �� 28  Women’s Health and Cancer Rights Act (WHCRA) � 28  Medicare Part D �� 28  HIPAA Notifications of Privacy Practices �� 28  COBRA �� 29  Mental Health Parity and Addiction Equity Act (MHPAEA) Disclosure �� 29  Newborns’ and Mothers’ Health Protection Act�� 29  Genetic Information Nondiscrimination Act (GINA) 30  Preventive Care �� 30  Consequences for Enrollment of Ineligible Dependents �� 30Flexible Spending Accounts �� 32Short-Term & Long-Term Disability �� 35  Short-Term Disability �� 35  Long-Term Disability �� 35Life and AD&D �� 36  Group Life and AD&D �� 36  Voluntary Life and AD&D �� 36Employee Assistance Program (EAP) �� 40Travel Assistance Program �� 42Identity Theft Protection Program �� 43NEW! BenefitHub �� 44NEW! Pet Insurance Shopper �� 46Health Benefits Contact Information �� 48Important Plan Notices �� 50  Employer’s Children’s Health Insurance Program (CHIP) �� 50Important Notice From Manson About Your Prescription Drug Coverage and Medicare �� 56  When Can You Join a Medicare Drug Plan? �� 56  What Happens to Your Current Coverage If You Join a Medicare Drug Plan? �� 56  When Will You Pay a Higher Premium (Penalty) to Join a Medicare Drug Plan? �� 57Statement of ERISA Rights �� 60  Receive Information About Your Plan and Benefits � 60  Continue Group Health Plan Coverage �� 60  Prudent Actions By Plan Fiduciaries �� 60  Enforce Your Rights �� 61  Assistance With Your Questions �� 61  Employment Taxes and Voluntary Deductions Policy �� 61About This Guide �� 63This page intentionally left blank�NON-UNION CRAFT | Page 1

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YOUR 2025 NON-UNION CRAFT HEALTH BENEFITSOUR MESSAGEWelcome to Open Enrollment for the 2025 plan year! Each year, Manson prioritizes reviewing our benefits portfolio and leveraging benchmark data and other emerging market trends to ensure we offer the best-in-class benefits in the construction industry� While medical and prescription costs continue to outpace inflation, we are committed to offering the same plan options moving into the new plan year� We are excited to announce that Manson will continue to cover 100% of the medical employee-only premium, and we are pleased to also announce that Manson’s monthly medical contribution for dependents will be increasing to 55%� Those covering dependents will see a slight reduction in cost� In addition, Manson will continue to cover the employee and dependent dental premiums and there will be no changes to the vision contribution structure� Below are a few additional benefit changes that you should know about� NEW! Dental Carrier: During our review of the dental plan, we found that many employees were utilizing out-of-network providers� Because of this, we looked at the market for another dental carrier that offers a larger network of providers that would fit our population� After an extensive review of the options, we decided to move to Delta Dental of Washington� Compared to Premera, the Delta Dental network provides access to 30% more in-network providers based on utilization over the past year� Please note that you will be receiving new dental ID cards from Delta Dental� Specialty Medication Split Fill Program: If you are prescribed a specialty medication after January 1st, your pharmacy will fill a limited supply to confirm that the drug is working to treat your condition� Once this is confirmed, you will be able to continue filling that specialty medication through a specialty pharmacy for the full 30-day supply� FSA: The annual healthcare FSA election amount for 2025 is $3,300� Employees can carry over up to $660 in remaining 2025 healthcare FSA funds into the 2026 plan year� Any dependent care funds remaining at the end of the 2025 plan year will be forfeited�NEW! Voluntary Pet Insurance: We now offer employees the option to purchase pet insurance at a discounted rate� These policies are individually written, and employees pay the carrier directly for their chosen policy� NEW! BenefitHub: Enjoy discounts from local and national vendors� These include movie tickets, flights, hotels, theme parks, and more! You purchase the discount directly and enjoy the savings! BenefitFocus Marketplace: Manson will continue to use this online employee benefits portal, which gives you one place, with 24/7 access, to easily manage and review your benefits� Please read the following information for important instructions for Open Enrollment� You and your family remain a priority at Manson, and the annual renewal process is an important time to review your available benefits�2025 BENEFITS GUIDE | Manson Construction Co. NON-UNION CRAFT | Page 3

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BENEFIT BASICSELIGIBILITYAs a Manson employee, you are eligible for Medical, Dental, Vision, Life and AD&D, and Short and Long-Term Disability benefits if you work at least 20 hours per week�Benefits are effective on the first day of the month following 30 days of full-time employment�Eligible DependentsYou may enroll your eligible dependents for Medical, Dental, Vision, and Voluntary Life and AD&D coverage once you are eligible� Your eligible dependents include:• Your legal spouse• Your domestic partner• Your child(ren) up to age 26, including natural child(ren), legally adopted child(ren), child(ren) placed for adoption, legally placed ward of the employee or spouse, and/or your foster child(ren)Once your benefit elections become effective, they remain in effect until the end of the plan year�Qualified Life EventsYou may change your benefit elections only during the annual enrollment period� However, you may change your benefit elections throughout the year if you experience a qualified life event, including:• Marriage• Birth of your child(ren)• Divorce, legal separation, or beginning/end of domestic partnership• Death of a spouse, partner, or dependent child(ren)• Adoption of or placement of adoption of your child(ren)• Change in employment status of employee, spouse/domestic partner, or dependent child(ren)• Qualification by the Plan Administrator of a child support order for medical coverage• Entitlement to Medicare or Medicaid• Involuntary loss of other coverageYou must notify Human Resources within 30 days of a qualifying life event� Depending on the type of event, you may need to provide proof of the event� If you do not contact Human Resources within 30 days of the qualified event, you must wait until the next annual enrollment period to make changes (unless you experience another qualified life event)�2025 BENEFITS GUIDE | Manson Construction Co. NON-UNION CRAFT | Page 5

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BENEFITFOCUS MARKETPLACEDEPENDENT VERIFICATIONIf this is your first time enrolling, you will be asked to certify status of the dependent(s) on your plan to complete your enrollment�Required Dependent Verification DocumentsThe following is a list of acceptable documentation to verify your dependents’ eligibility upon enrollment� You will upload a copy of the following documents within BenefitFocus for verification�Legal Spouse: Marriage license AND the first page of the most recently filed federal tax return (Form 1040) that includes the spouse� If married and filing separately, submit the first page of both federal tax returns� for privacy, please black out all financial information�Domestic Partner: A copy of the Premera Affidavit of Domestic Partnership (provided with enrollment)�Biological Child(ren): A copy of the child(ren)’s birth certificate showing the employee as a parent�Adopted Child(ren): A copy of the child(ren)’s birth certificate showing the employee as a parent OR court documents showing the completed adoption OR a letter of placement from an adoption agency, an attorney, or a state social services department that verifies that the adoption is in progress�Foster Child(ren): A court order or other legal document placing the child(ren) with the employee�Stepchild(ren): A copy of the child(ren)’s birth certificate showing the name of the natural parent AND proof that the natural parent and employee are married, as described under “Legal Spouse” above�Other Child(ren): To verify that an employee has legal custody, a court order or other legal document granting custody to the employee�Incapacitated Child(ren): Proof of physical or mental disability, such as a physician’s signed statement, AND the proof of relationship described above AND the first page of your federal tax return (Form 1040) to demonstrate that your child is dependent on you� for privacy, please black out all financial information�Domestic Partner Child(ren): A copy of the child(ren)’s birth certificate and a copy of the Premera Affidavit of Domestic Partnership linking the child(ren) to the Domestic Partner�Logging into BenefitFocusWebsite: https://benefitfocus�com/loginOn your first login, use CODE: MansonBenefits�Access your benefits anytime, anywhere with the mobile app!Scan the codes below to download the app� Android AppleYou must log in using a computer to establish your username and password� Then you can use those login credentials to access the app�We encourage all employees to download the app to their phone so you have access to your benefits!2025 BENEFITS GUIDE | Manson Construction Co. NON-UNION CRAFT | Page 7

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BENEFIT COSTSManson makes the following contributions towards your, and your family’s, benefit plans:Medical: 100% of Employee monthly premiums AND 55% of Dependent monthly premiumsDental: 100% of Employee monthly premiums AND 100% of Dependent monthly premiumsVision: 50% of Employee monthly premium AND 50% of Dependent(s) monthly premium� Employees share the cost of your enrolled Dependent’s monthly Medical and Vision premiums�Employee contributions for qualified dependents are pre-tax payroll deductions� Contributions for Domestic Partners are post-tax payroll deductions� Below are the costs for the 2025 plan year�2025 Medical PremiumTotal Monthly CostTotal Monthly Dependent CostYour Monthly Dependent CostYour Dependent Cost Per YearYour Semi-Monthly Deductions (24 Pay Periods)Employee Only $833�46 $0�00 $0�00 $0�00 $0�00Employee + Spouse/Domestic Partner$1,871�58 $1,038�12 $467�15 $5,605�80 $233�57Employee + Child(ren)$1,437�72 $604�26 $271�91 $3,263�00 $135�95Employee + Spouse/Domestic Partner + Child(ren)$2,464�67 $1,631�21 $734�04 $8,808�53 $367�022025 Vision PremiumTotal Monthly CostYour Monthly Dependent CostYour Cost Per YearYour Semi-Monthly Deductions (24 Pay Periods)Employee Only $6�67 $3�33 $39�96 $1�66Employee + Spouse/Domestic Partner$10�67 $5�33 $63�96 $2�66Employee + Child(ren)$10�89 $5�44 $65�28 $2�72Employee + Spouse/Domestic Partner + Child(ren)$17�56 $8�78 $105�36 $4�39In addition to the medical and vision premium contributions, Manson pays 100% of the monthly premiums for:• Dental• Employee Life and AD&D• Short-term Disability• Long-term Disability• Employee Assistance Program (EAP) – This includes coverage for you and your family at no cost to you�You pay the full cost for any Voluntary Life and AD&D benefits you elect�2025 BENEFITS GUIDE | Manson Construction Co. NON-UNION CRAFT | Page 9

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PREMERA MEDICAL COVERAGE Manson offers a comprehensive medical plan with Premera Blue Cross, using the BlueCard network, giving access to one of the most extensive Preferred Provider (PPO) networks across the United States and worldwide� The plan includes 100% coverage for preventive care services (in-network) and coverage for prescription drugs�PLAN PROVISIONSPREMERA BLUE CROSSHeritage Plus In-NetworkOut-of-NetworkAnnual Deductible (Individual/Family) $1,000 / $3,000 $3,000 / $9,000Coinsurance (Member’s percentage of cost after deductible based on allowable charges)20% 50%Out-of-Pocket Maximum – Per Calendar Year (“PCY”) (Includes deductible, coinsurance, and all copays)$4,000 / $12,000 $8,000 / $24,000Office Visit Cost Share $35 copay Deductible, then 50%Annual Plan Maximum Unlimited UnlimitedFacility CareInpatient Facility Deductible, then 20% Deductible, then 50%Outpatient Surgery Facility Deductible, then 20% Deductible, then 50%Outpatient Facility Deductible, then 20% Deductible, then 50%Skilled Nursing Facility (60 days PCY) Deductible, then 20% Deductible, then 50%Hospice Inpatient Facility (10 days inpatient; 6-month lifetime maximum)Deductible, then 20% Deductible, then 50%Emergency/Urgent CareUrgent Care $35 copay Deductible, then 50%Emergency Room (copay waived if admitted as inpatient)$200 copay, then In-Network Deductible and 20%Emergency Room Physician Deductible, then 20%Ambulance Deductible, then 20%Air Ambulance Deductible, then 20%Diagnostic ServicesPreventive Professional Diagnostic Imaging and Lab, including PAP/PSACovered in Full Waive Deductible, then 50%Preventive Mammography Covered in Full Waive Deductible, then 50%Other Professional Diagnostic Imaging Covered in Full Waive Deductible, then 50%Diagnostic Mammography Covered in Full Waive Deductible, then 50%Other Professional Diagnostic Lab/Pathology Covered in Full Waive Deductible, then 50%PLAN PROVISIONSPREMERA BLUE CROSSHeritage Plus In-NetworkOut-of-NetworkPreventive Care and Health EducationPreventive Office Visit Covered in Full Not CoveredImmunizations Covered in Full Not CoveredSeasonal Immunizations Covered in Full Covered in FullPreventive Colon Health Covered in Full Deductible, then 50%Health Education Covered in Full Not CoveredNicotine Dependency Programs Covered in Full Not CoveredDiabetes Health Education Covered in Full Not CoveredProfessional CareProfessional Office Visit $35 copay Deductible, then 50%Inpatient Processional Services Deductible, then 20% Deductible, then 50%Contraceptive Management Covered in Full Deductible, then 50%Maternity: Prenatal, Delivery and Postnatal Deductible, then 20% Deductible, then 50%Other ServicesInfertility Not CoveredMental Health Inpatient Facility Deductible, then 20% Deductible, then 50%Mental Health Outpatient Facility Waive Deductible, then 20% Deductible, then 50%Mental Health Outpatient Professional Care $35 copay Deductible, then 50%Acupuncture (12 visits PCY) $35 copay Deductible, then 50%Manipulations – Spinal and Other (12 visits PCY)$35 copay Deductible, then 50%Naturopathy $35 copay Deductible, then 50%Psychological & Neuropsychological Testing – Shared with Rehab, Neuro Development, and Mental Health (No Limit)Deductible, then 20% Deductible, then 50%Rehab Inpatient Facility (30 days PCY) Deductible, then 20% Deductible, then 50%Rehab Outpatient Care, including Physical, Occupational, Speech, and Massage Therapy; Chronic Pain (45 visits PCY combined); Chronic Conditions including Cardiac, Pulmonary Rehab, and Cancer$35 copay Deductible, then 50%Medical Supplies, Equipment, and Prosthetics Deductible, then 20% Deductible, then 50%Foot Orthotics, Orthopedic Shoes, and Accessories ($300 PCY)Deductible, then 20% Deductible, then 50%Chemical Dependency Inpatient Facility Deductible, then 20% Deductible, then 50%Chemical Dependency Outpatient Facility Waive Deductible, then 20% Deductible, then 50%Chemical Dependency Outpatient Professional Care$35 copay Deductible, then 50%Home Health Care (130 visits PCY) Deductible, then 20% Deductible, then 50%Hospice Care Deductible, then 20% Deductible, then 50%2025 BENEFITS GUIDE | Manson Construction Co. NON-UNION CRAFT | Page 11

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PLAN PROVISIONSPREMERA BLUE CROSSHeritage Plus In-NetworkOut-of-NetworkOther Services (continued)Transplants (Unlimited; $7,500 travel and lodging limits)Covered as any other service Not CoveredTemporomandibular Joint Dysfunction (TMJ) Covered as any other serviceAllergy/Therapeutic Injections Waive Deductible, then 20% Deductible, then 50%Prescription Drugs* (Preferred B3 drug list)Participating PharmacyNon-Participating PharmacyRetail Prescription Drugs (30-day supply)Tier 1 – Generic Drugs $10 copayApplicable copay, then 40% (to allowable)Tier 2 – Preferred Brand $30 copayApplicable copay, then 40% (to allowable)Tier 3 – Non-preferred Brand $50 copayApplicable copay, then 40% (to allowable)Mail-Order Prescription Drugs (90-day supply)Tier 1 / Tier 2 / Tier 32�5x Retail copay$25 / $75 / $125 copaysNot CoveredPCY= Per Calendar Year*When available, a generic drug will be dispensed in place of a brand-name drug. If there is no generic equivalent, the applicable brand-name cost-share will apply. You or the prescriber may request a brand-name drug instead of a generic, but if a generic equivalent is available, you will have to pay the difference in price between the brand-name drug and the generic equivalent, in addition to paying the applicable brand-name drug cost-share. Please consult your pharmacist about the higher costs you will pay if you select a brand-name drug.OUT-OF-AREA BENEFITSFor care you receive outside Washington, Alaska, or Clark County, WA, you will use the BlueCard Program to receive the In-Network level of benefits� PPO providers have agreements with other Blue Cross and/or Blue Shield organizations nationwide�You will receive the highest level of benefits and experience lower out-of-pocket costs when you receive covered services from PPO providers through the BlueCard Program� You can locate a BlueCard provider in any state by calling BlueCard Access at 800-810-2583 or online at https://bcbs�com�NOTES ABOUT YOUR MEDICAL PLAN• This is a summary of coverage only; the plan contains exclusions and limitations not shown here� Please refer to the Premera booklet for the full scope of coverage�• In-network services are based on negotiated charges; out-of-network services are based on the maximum allowable charge determined by Premera for your area� Providers outside the network could balance bill you for amounts charged over the maximum allowance�• For care you receive outside Washington State, you will use the BlueCard Program� PPO providers have agreements with other Blue Cross and/or Blue Shield organizations nationwide�• Prior Authorization may be required for planned surgery and hospitalization� There are penalties for noncompliance� Be sure and ask your doctor to contact Premera for prior authorization�2025 BENEFITS GUIDE | Manson Construction Co. NON-UNION CRAFT | Page 13

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NEW! DELTA DENTAL COVERAGE Regular dental exams can help you and your dentist detect problems early—when treatment is simpler and costs are lower� Keeping your teeth and gums clean and healthy will help prevent most tooth decay and periodontal disease and is an important part of maintaining your medical health� Manson’s dental plan is administered through Delta Dental of Washington and utilizes the Delta Dental PPO network� Below is a chart of the portion of the costs you would pay�COVERED SERVICESINDIVIDUAL/FAMILY DEDUCTIBLE PCY (APPLIES TO ALL SERVICES) $50 PER PERSON / $50 FAMILYANNUAL MAXIMUM PCY $2,500 per person PCYDiagnostic/Preventive 0% after DeductibleCleaningsEmergency examsFluoride treatments (through age 18)Routine oral examsRoutine X-rays (complete series or panoramic X-rays once per 36 consecutive months)Sealants (through age 18)Space maintainers (for members under age 20)Basic 15% after DeductibleEmergency palliative treatmentEndodontic (root canal) treatment (limited to 2 per arch)Fillings (on any given tooth surface are covered once in any 12 consecutive months)Full mouth debridementGeneral anesthesia (limited to covered dental procedures at a dental-care provider’s office when dentally necessary)Oral surgery (including simple and surgical extractions)Periodontal maintenance (limited to 4 visits PCY)Periodontal scaling (limited to 2 every 12 consecutive months)Periodontal surgeryStainless steel crowns (limited to one per tooth every 2 calendar years)Repair & recementing of crowns, inlays, bridgework & denturesOcclusal night guardsCOVERED SERVICESMajor50% after DeductibleDentures, partial & fixed bridges (replacements limited to once every 24 months)Inlays, onlays, and crowns (replacements limited to once per tooth every 5 years)ImplantsPCY= Per Calendar YearOut-of-Network Providers: You may choose ANY dental care provider. If you receive services from out-of-network dental care providers, you are subject to calendar year deductibles and coinsurance up to the stated benefit maximum. If you get services from an out-of-network provider, you will have to pay any amounts for your services that are over the allowed amount, as well as charges for non-covered services. If you decide not to use a Delta Dental PPO or Premier provider, you may be required to submit the dental claim yourself if your dental care provider does not do this for you. Android Apple2025 BENEFITS GUIDE | Manson Construction Co. NON-UNION CRAFT | Page 15

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VISION SERVICE PLAN VISION COVERAGE Manson offers a vision plan that provides benefits for your routine exam and hardware� You can choose any licensed vision provider, but you will see greater benefits if you choose to use VSP Choice providers� Visit https://vsp�com to locate a Choice provider in your area�PLAN PROVISIONSVision Service PlanFrequencies VSP Choice Network Out-of-Network¹Exam Once every 12 monthsLenses Once every 12 monthsFrames Once every 24 monthsContacts (In lieu of glasses) Once every 12 monthsCopaysExam $10 copay Reimbursed up to $45Hardware $25 copay Reimbursed up to $30-$210Contact Lens Fitting & Evaluation Up to $60 copay Included in contacts reimbursementLensesSingle Vision Covered with hardware copay Reimbursed up to $30Standard Bifocal Covered with hardware copay Reimbursed up to $50Standard Trifocal Covered with hardware copay Reimbursed up to $65Standard Progressive Covered with hardware copay Reimbursed up to $50Extras: Tint, Photochromic, Scratch-Resistant Coating, Anti-Glare Coating, etc�Copay amounts vary N/AFramesAllowance Covered in Full up to $15020% off balanceReimbursed up to $70Contacts²Elective Contacts (In lieu of glasses) Amount over $150 allowance Reimbursed up to $105Medically Necessary Covered in Full after copay Reimbursed up to $210¹ If you seek services through an out-of-network provider, you will be responsible for paying upfront and submitting a claim for reimbursement up to the scheduled amounts.² The plan allows for contacts or glasses but not both.2025 BENEFITS GUIDE | Manson Construction Co. NON-UNION CRAFT | Page 17

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PREMERA EXTRAS ONLINE AND MOBILE ACCESSEverything you need to get the most out of your health plan is right at your fingertips at https://premera�com�When you sign in at premera.com, you can: • Estimate the cost of certain treatments�• Manage and order your prescriptions�• Track claims and plan spending activity�• Use the “Find a Doctor” tool to locate in-network healthcare providers�The Premera mobile app gives you direct access to tools that include:Find a Doctor: Know where to go for care� Find in-network doctors, hospitals, urgent care, and more�Access to ID Card: Forgot your insurance card? Don’t worry; you can show your proof of coverage�Check Claims: Find the status of your current claims�Call the 24-Hour Nurse Line: Get advice for your health questions�View Deductibles: Know exactly how close you are to meeting your deductible� Android ApplePREMERA “BESTBEGINNINGS” MATERNITYA comprehensive maternity program is part of your healthcare plan� Use it to navigate your care, connect with personal health support clinicians, and download the mobile app for your customized maternity information�Prenatal CareFrom pregnancy confirmation to prenatal vitamins, office visits, and ultrasounds, your Premera plan covers your health needs from “We’re having a baby!” to “Hello, baby!”DeliveryDeciding where to have your baby is a personal decision� Your benefits cover delivery at hospitals, birthing centers, and home births�BestBeginnings AppThis app is your key to comprehensive pregnancy support� You have access to the information you want from months 1 to 9 and into baby’s first year�• Track your medical milestones�• Prep questions for your doctor visits�• Log your health history and test results�• Find answers to your questions before and after baby comes� Android Apple2025 BENEFITS GUIDE | Manson Construction Co. NON-UNION CRAFT | Page 19

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TALKSPACE VIRTUAL THERAPY FOR BEHAVIORAL HEALTH With Talkspace, you can easily connect to therapists and psychiatrists by video and text for about the same cost as an in-person visit� When you need Talkspace—regardless of the time of day or where you are—you can reach a dedicated therapist�• Sign up for Talkspace at https://redemption�talkspace�com/redemption/premera• Get matched with the best therapists for you�• Start messaging your therapist right away� Android ApplePREMERA CHRONIC CONDITION MANAGEMENT - LIVONGO With Livongo you will have a program that provides solutions to make healthcare simple and easy, at NO cost to you!Diabetes Prevention: A program to help those at risk of developing diabetes to create new healthy lifestyle behaviors�• Messaging and live 1-on-1 expert coaching• App to log and track resultsHypertension Management: This program makes monitoring blood pressure easy�• Messaging and live 1-on-1 expert coaching• App to log and track resultsDiabetes Management: This program focuses on taking away the daily stress and hassle�• Cellular-enabled, touch-screen blood glucose meter• Real-time analytics• 24/7 expert coaching with real-time glucose level monitoring and notifications• Free unlimited supply of test strips and lancets� Android Apple2025 BENEFITS GUIDE | Manson Construction Co. NON-UNION CRAFT | Page 21

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DOCTOR ON DEMAND Doctor on Demand connects you with a physician you speak with using video chat to help diagnose your condition� If needed, they can prescribe medication for treatment and send it to your local pharmacy�You must first set up your member account to take advantage of Doctor on Demand� To set up your account, you need your Premera ID card� Visit https://doctorondemand�com/Premera and click “Join Now�” You can also register for an account by downloading the Doctor on Demand app available on the App Store or Google Play Store�Doctor on Demand can treat common illnesses that include:• Flu• Cold & Cough• Nausea & Vomiting• Sinus Infections• Seasonal Allergies• Hives• Asthma• Fatigue• Skin Rashes• Allergies Android Apple98POINT6 98point6 is similar to Doctor on Demand, but there is no video feature� They offer services related to primary care and use secure in-app text messaging to help answer questions and diagnose and treat acute and chronic illness� To take advantage of 98point6, you must first set up your Premera member account� To set up your account, you need your Premera ID card� Visit Premera�com or download the Premera MyCare app available on the app store or Google Play store�What can 98point6 help with? • Support chronic conditions such as diabetes, hypertension, asthma, or heart disease�• Advise on questions around medication side effects/interactions, smoking cessation, birth control, sleep issues, diet, and exercise�• Treatment of common conditions such as cough, cold, acne, rashes, nausea, and more� Android Apple2025 BENEFITS GUIDE | Manson Construction Co. NON-UNION CRAFT | Page 23

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VIRTUAL PHYSICAL THERAPY – OMADA Whether you are looking to build strength and flexibility, or treat existing pain and injuries, Omada can help� It all takes place right on your smartphone or tablet without ever stepping foot in a clinic for the same office copayment� Get started at https://omadahealth�com�Why choose virtual rehabilitation? • Get direct access to a dedicated licensed physical therapist�• Enjoy the freedom to do physical therapy anytime, anywhere�• Feel better with a personalized plan and ongoing guidance�• Save time by not having to go to in-office appointments� Android AppleMATCHMAKER FOR BEHAVIORAL HEALTHMatchmaker makes it easier for members to get the mental health care they need without long wait times� Members use a self-referral tool or work with their provider to find mental health care options based on their clinical needs, preferences, and health plan benefits� Call Premera customer service if you need assistance locating a provider and want to use the Matchmaker service�Why choose Matchmaker? • No longer spend time calling providers only to see if they are accepting new patients�• Get a customized list of providers according to the type of care you are looking for�• Care navigators are available if you need additional support�• Options for virtual and in-person visits�2025 BENEFITS GUIDE | Manson Construction Co. NON-UNION CRAFT | Page 25

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KINWELL CLINICAccess to Kinwell clinics is a benefit just for Premera members located in Washington State� The clinics provide primary care, family practice, behavioral health, and laboratory services and are located to meet Premera members where they are� This relationship benefits Premera members with fast and easy appointment scheduling, better customer service, and reduced wait times�Why choose Kinwell? • Reduced wait time with access to high-performing primary care providers�• $0 copay for services provided at Kinwell Clinics�Visit https://kinwellhealth�com/clinics to locate a clinic near you�NOTICE OF SPECIAL ENROLLMENT RIGHTSIf you are declining enrollment for yourself or your dependents (including your spouse) because of other health insurance or group health plan coverage, you may be able to enroll yourself and your dependents in this plan if you or your dependents lose eligibility for that other coverage (or if the employer stops contributing toward your or your dependents’ other coverage)� However, you must request enrollment within 30 days after your or your dependents’ other coverage ends (or after the employer stops contributing toward the other coverage)�If you have a new dependent(s) because of marriage, birth, adoption, or placement for adoption, you may be able to enroll yourself and your dependent(s)� However, you must request enrollment within 60 days after the marriage, birth, adoption, or placement for adoption�If you or your dependent(s) lose coverage under a state Children’s Health Insurance Program (CHIP) or Medicaid, you may be able to enroll yourself and your dependents� However, you must request enrollment within 60 days after the loss of CHIP or Medicaid coverage�2025 BENEFITS GUIDE | Manson Construction Co. NON-UNION CRAFT | Page 27

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IMPORTANT LEGAL RIGHTS INFORMATIONWOMEN’S HEALTH AND CANCER RIGHTS ACT (WHCRA)Do you know that your plan, as required by the Women’s Health and Cancer Rights Act of 1998, provides benefits for mastectomy-related services, including all stages of reconstruction and surgery to achieve symmetry between the breasts, prostheses, and complications resulting from a mastectomy, including lymphedema? Call your plan administrator at (206) 764-8527 for more information�If you have had or are going to have a mastectomy, you may be entitled to certain benefits under the Women’s Health and Cancer Rights Act of 1998 (WHCRA)� For individuals receiving mastectomy-related benefits, coverage will be provided in a manner determined in consultation with the attending physician and the patient for:• All stages of reconstruction of the breast on which the mastectomy was performed• Surgery and reconstruction of the other breast to produce a symmetrical appearance• Prostheses• Treatment of physical complications of the mastectomy, including lymphedemaThese benefits will be subject to the same deductibles and coinsurance applicable to other medical and surgical benefits provided under this plan� Therefore, the following deductibles and coinsurance apply: $500 deductible (In-Network), 20% coinsurance (In-Network), $1,000 deductible (Out-of-Network), and 50% coinsurance (Out-of-Network)� If you would like more information on WHCRA benefits, call your plan administrator at (206) 764-8527�MEDICARE PART DIf you have Medicare or will become eligible for Medicare in the next 12 months, Federal law gives you more choices about your prescription drug coverage� Contact Human Resources or Premera for more information�HIPAA NOTIFICATIONS OF PRIVACY PRACTICES The Health Insurance Portability and Accountability Act of 1996 (HIPAA) includes provisions that protect the privacy of health plan participants� These provisions, which went into effect April of 2003, govern how covered entities such as health insurance companies and the plan sponsor must handle protected health information� The Company distributes HIPAA Privacy Notices in accordance with Federal regulations� If you need to obtain a copy of the HIPAA Privacy Notice, please contact Human Resources or Premera�If you or your dependent(s) become eligible to receive premium assistance under a state CHIP or Medicaid, you may be able to enroll yourself and your dependents� However, you must request enrollment within 60 days of the determination of eligibility for premium assistance from state CHIP or Medicaid�To request special enrollment or obtain more information, contact Human Resources at 5209 E� Marginal Way South, Seattle, Washington 98134, (206) 764-8527, BenefitsEnroll@mansonconstruction�com�COBRAUnder certain circumstances, you (or your covered dependent) may continue your health coverage when it would otherwise end through the Consolidated Omnibus Budget Reconciliation Act of 1986 (COBRA) coverage� This pertains to groups of 20 or more full-time employees� Please contact Human Resources for additional materials�MENTAL HEALTH PARITY AND ADDICTION EQUITY ACT (MHPAEA) DISCLOSURE The Mental Health Parity and Addiction Equity Act of 2008 generally requires group health plans and health insurance issuers to ensure that financial requirements (such as copays and deductibles) and treatment limitations (such as annual visit limits) applicable to mental health or substance use disorder benefits are no more restrictive than the predominant requirements or limitations applied to substantially all medical/surgical benefits� for information regarding the criteria for medical necessity determinations made under the Manson Construction Co� Employee Benefit Plan with respect to mental health or substance use disorder benefits, please contact your plan administrator at (206) 764-8527�NEWBORNS’ AND MOTHERS’ HEALTH PROTECTION ACTGroup health plans and health insurance issuers generally may not, under Federal law, restrict benefits for any hospital length of stay in connection with childbirth for the mother or newborn child(ren) to less than 48 hours following a vaginal delivery or less than 96 hours following a cesarean section� However, Federal law generally does not prohibit the mother’s or newborn’s attending provider, after consulting with the mother, from discharging the mother or her newborn earlier than 48 hours (or 96 hours as applicable)� In any case, plans and issuers may not, under Federal law, require that a provider obtain authorization from the plan or the insurance issuer for prescribing a length of stay not in excess of 48 hours (or 96 hours)�Newborn children are covered automatically for the first 3 weeks from birth when the mother is eligible to receive obstetrical care benefits under this plan� To continue benefits beyond the 3-week period, please see the dependent eligibility and enrollment guidelines outlined in the “Who Is Eligible for Coverage?” and “When Does Coverage Begin?” sections of the Premera medical booklet�2025 BENEFITS GUIDE | Manson Construction Co. 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If the mother is not eligible to receive obstetrical care benefits under this plan, the newborn is not automatically covered for the first 3 weeks� for newborn enrollment information, please see the “Who Is Eligible for Coverage?” and “When Does Coverage Begin?” sections of the Premera medical booklet�Benefits are provided on the same basis as any other care, subject to the child(ren)’s own cost-shares, if any, and other provisions as specified in this plan� Services must be consistent with accepted medical practice and ordered by the attending provider in consultation with the mother�GENETIC INFORMATION NONDISCRIMINATION ACT (GINA) The Genetic Information Nondiscrimination Act of 2008 (“GINA”) protects employees against discrimination based on their genetic information� Unless otherwise permitted, your Employer may not request or require any genetic information from you or your family members�GINA prohibits employers and other entities covered by GINA Title II from requesting or requiring genetic information of an individual or family member of the individual, except as specifically allowed by this law� To comply with this law, we ask that you not provide any genetic information when responding to this request for medical information� “Genetic information,” as defined by GINA, includes an individual’s family medical history, the results of an individual’s or family member’s genetic tests, the fact that an individual or an individual’s family member sought or received genetic services, and genetic information of a fetus carried by an individual or an individual’s family member or an embryo lawfully held by an individual or family member receiving assistive reproductive services�PREVENTIVE CARE Certain preventive care services must be provided by non-grandfathered group health plans without member cost-sharing (such as deductibles or copays) when these services are provided by a network provider� A list of these preventive services can be found at https://healthcare�gov�CONSEQUENCES FOR ENROLLMENT OF INELIGIBLE DEPENDENTSIt is important for each employee to carefully review the Plan’s eligibility rules� Each employee is responsible for ensuring that each dependent the employee enrolls in the Plan meets the Plan’s eligibility criteria� for example, the employee is responsible for removing his or her ex-spouse from coverage immediately upon divorce� The Plan may review an employee’s or dependent’s eligibility at any time and has the right to verify all information reported to the Plan or provided to prove eligibility� The employee must provide any documents that the Plan requests to make an eligibility determination, including (but not limited to) birth certificates and marriage certificates� If an employee fails to provide documentation requested by the Plan, the individual whose eligibility cannot be verified using that information will be considered ineligible�2025 BENEFITS GUIDE | Manson Construction Co. NON-UNION CRAFT | Page 31

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FLEXIBLE SPENDING ACCOUNTSFlexible Spending Accounts (FSAs) are designed to save you money on your taxes by reducing your taxable income, thereby reducing the taxes you pay on your earnings� Each pay period, funds are deducted from your pay on a pre-tax basis and are deposited into your Health Care and/or Dependent Care FSA� You then use your funds for eligible health care or dependent care expenses�The Advantage of an FSAWith an FSA, the money you contribute is never taxed—not when you put it in the account, not when you are reimbursed with the funds from the account, and not when you file your income tax return at the end of the year�Important Information About FSAsYour FSA elections will be in effect from your entry date into the plan through December 31, 2025� Our Health Care FSA plan includes a carryover feature allowing you to “carry over” up to $660 into the next plan year� Healthcare balances $660 and under would be eligible to roll over into the 2026 plan year� You must make a new election to receive rollover from the prior year� Dependent Care FSA does not have a rollover feature�PLEASE NOTE: FSA elections do not automatically continue from year to year; you must actively enroll each year�Get more with the MyNavia mobile app: You can review balances, submit claims, view claims history, and update personal information right from the convenience of your phone� The MyNavia app is free to download on both iPhone and Android� FlexConnect makes FSAs easy to manage and helps you avoid losing hard-earned money saved in your FSA:• Automatically downloads your insurance claims�• Identifies expenses that can be reimbursed with your FSA�• Prepares and submits claims for reimbursement�• Tracks your FSA balance to make sure you don’t lose money at the end of the plan year�Eligible ExpensesAnnual Contribution LimitsBenefitHealth Care FSA: Most medical, dental, and vision care expenses that are not covered by your health plan (such as copayments, coinsurance, deductibles, eyeglasses, and doctor-prescribed over-the-counter medications)Maximum contribution is $3,300 per year�Saves on eligible expenses not covered by insurance; reduces your taxable income�Dependent Care FSA: Dependent care expenses (such as day care, after school programs, or elder care programs) so you and your spouse can work or attend school full-timeMaximum contribution is $5,000 per year ($2,500 if married and filing separate tax returns)�Reduces your taxable income�Cut Down on PaperworkLink to your FlexConnect account through https://naviabenefits�com and view insurance claims, prescription details, and stored documents—all in one place� Automatically prepares and submits claims� Review pending FSA-eligible claims that FlexConnect has automatically prepared for you and click “Reimburse Me” to submit your claims�Easy FSA Management• Avoid losing money at the end of the year�• No more hassling with paperwork�• Easily identify expenses reimbursable by your FSA�• Save time on preparing claims for reimbursement�How Does It Work?Simply provide your login information for your medical, dental, and vision insurance accounts� After you have connected the accounts, your insurance claims will be periodically downloaded to the portal� When we notice one that is reimbursable through your FSA, a “Reimburse Me” button will appear next to the item� Click “Reimburse Me,” and we automatically prepare and submit your claims with the required documentation�What Does It Cost?Zero� The cost is included in the fee your employer already pays for you to have an FSA�How Do I Start?First, log in to your participant account at https://naviabenefits�com� From there, you must opt in to use FlexConnect� The feature will be ready to set up within 1-2 business days� You must link your FSA and insurance providers to use the tool�2025 BENEFITS GUIDE | Manson Construction Co. NON-UNION CRAFT | Page 33

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Connect Insurance• Go to the Accounts tab and click “Add�” • Choose the insurance plan you wish to add� • Enter the username and password for the insurance plan’s website, then click “Connect�” • Hints are provided to set up an account or retrieve a password� • Note: The first time an account is added, it will take a few minutes to download all the insurance claims�• FOR ACCESS TO NAVIA, USE COMPANY CODE: MNO� Android AppleSHORT-TERM & LONG-TERM DISABILITYManson provides each employee with both short-term and long-term disability income benefits� In the event you become disabled from a non-work-related injury or sickness, these benefits provide you with a source of income�PLEASE NOTE: Employees on a covered disability leave can access the HealthChampion healthcare navigation program 24/7 by calling 866-263-4365 to reach a Guidance Consultant�SHORT-TERM DISABILITYWEEKLY BENEFIT 60% of your weekly pre-disability earnings, up to $2,000ELIMINATION PERIOD 14 Days for Accident or IllnessBENEFIT DURATION Up to 11 weeksDEFINITION OF DISABILITYTotal Disability: Due to an injury or illness, you are unable to perform each of the main duties of your regular occupation�Partial Disability: Due to an injury or illness, you are unable to perform one or more of the main duties of your regular occupation on a full-time basis� Partial Disability benefits may be payable if you are earning at least 20% of the income you earned prior to becoming disabled but not more than 99%� Partial disability benefits allow you to work and earn income from your employer as well as continue to receive benefits, which may enable you to receive 100% of your income during your time of disability�LONG-TERM DISABILITYWEEKLY BENEFIT 60% of your monthly pre-disability earnings, up to $7,500ELIMINATION PERIOD 90 DaysBENEFIT DURATION 24 months Own-Occupation, then Any Occupation to your Social Security Normal Retirement Age (SSNRA)DEFINITION OF DISABILITYTotal Disability: Due to an injury or illness, you are unable to perform each of the main duties of your own occupation on a full-time basis� Your “own” occupation is covered for 24 months� Following these 24 months, the definition of total disability becomes the inability to perform any occupation for which you are reasonably suited based on your experience, education, or training�Partial Disability: Due to an injury or illness, you are unable to perform one or more of the main duties of your regular occupation on a full-time basis� Partial Disability benefits may be payable if you are earning at least 20% of the income you earned prior to becoming disabled, but not more than 99%� Partial disability benefits allow you to work and earn income from your employer and continue to receive benefits, which may enable you to receive 100% of your income during your time of disability�Long-Term Disability is subject to Pre-Existing Condition limitations. You may not be eligible for benefits if you have received treatment for a condition within three months prior to your effective date under this policy until you have been covered under the policy for 12 months. See Certificate of Coverage for details.2025 BENEFITS GUIDE | Manson Construction Co. NON-UNION CRAFT | Page 35

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LIFE AND AD&D GROUP LIFE AND AD&DLife and Accidental Death & Dismemberment (AD&D) insurance is important to your financial security, especially if others depend on you for support� Manson provides Basic Life and AD&D Insurance to all eligible employees at no cost to you� This benefit provides the following:LOSS OF LIFE $25,000ACCIDENTAL LOSS OF LIFE An additional $25,000DISMEMBERMENT Schedule of lossBENEFIT AGE REDUCTIONS Reduced by 65% of original amount at age 65; 50% of original amount at age 70; 30% of original amount at age 75�PLEASE NOTE: Beneficiaries can access the Beneficiary Companion Program 24/7 at 877-823-5807�VOLUNTARY LIFE AND AD&DYou may purchase additional amounts of Life and/or AD&D coverage, beyond what Manson already provides, through Symetra� Premiums for Voluntary Life and AD&D will be deducted from your paycheck� For yourself, you may elect additional life insurance up to 5 times your earnings in the amount of:• $25,000• $50,000• $75,000• $100,000• $150,000• $200,000PLEASE NOTE: Coverage will reduce when you turn 65, 70, and 75 years of age�Employees currently enrolled in Voluntary Life: If you enrolled in voluntary life coverage for less than $200,000 while you were initially eligible, you may increase your amount of coverage by one increment until you reach $200,000 each January 1 without providing a health statement� If you enroll, you may also enroll your spouse/domestic partner for Voluntary Life Insurance and/or AD&D� Your spouse/domestic partner may enroll for the following amounts of coverage:• $10,000• $20,000• $30,000If you enroll, you may also enroll your child(ren) for Voluntary Life Insurance and/or AD&D� You can purchase coverage for your child(ren) for the following amounts of coverage:• Live birth to 15 days: $250• 15 days to 26 years: $10,000If you wish to enroll in the voluntary life plan after you are originally eligible or wish to increase coverage for you and/or your spouse/domestic partner by more than one increment, your application will be subject to Evidence of Insurability (EOI) approval by SYMETRA�POLICY NO.: 01-018027-00 Android Apple The following tables illustrate the premium amounts for the Symetra Voluntary Life and AD&D coverage�PLEASE NOTE: The spouse/domestic partner’s rate is based on the employee’s age� In the shaded section of the table, the reduction in available coverage due to aging is shown with the applicable rate�2025 BENEFITS GUIDE | Manson Construction Co. NON-UNION CRAFT | Page 37

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Below are the SEMI-MONTHLY costs to buy Voluntary Life coverage�Semi-Monthly Voluntary Life Premium for EmployeeSemi-Monthly Voluntary Life Premium for Spouse/Domestic PartnerAGE$25,000 $50,000 $75,000 $100,000 $150,000 $200,000 $10,000 $25,000 $30,000<30$0�87 $1�73 $2�60 $3�47 $5�20 $6�93 $0�35 $0�87 $1�0430-34$1�15 $2�28 $3�42 $4�55 $6�83 $9�10 $0�46 $1�15 $1�3735-39$1�37 $2�71 $4�07 $5�42 $8�13 $10�83 $0�54 $1�37 $1�6340-44$2�28 $4�55 $6�83 $9�10 $13�65 $18�20 $0�91 $2�28 $2�7345-49$3�64 $7�26 $10�90 $14�52 $21�78 $29�03 $1�45 $3�64 $4�3650-54$7�37 $14�73 $22�10 $29�47 $44�20 $58�93 $2�95 $7�37 $8�8455-59$12�03 $24�05 $36�08 $48�10 $72�15 $96�20 $4�81 $12�03 $14�4360-64$14�73 $29�47 $44�20 $58�93 $88�40 $117�87 $5�89 $14�73 $17�6865-69$16,250 $32,500 $48,750 $65,000 $97,500 $130,000 $6,500 $16,250 $19,500$16�58 $33�17 $49�75 $66�34 $99�49 $132�67 $6�63 $16�58 $19�8970-74$12,500 $25,000 $37,500 $50,000 $75,000 $100,000 $5,000 $12,500 $15,000$30�12 $60�23 $90�36 $120�47 $180�70 $240�93 $12�05 $30�12 $36�1475+$7,500 $15,000 $22,500 $30,000 $45,000 $60,000 $3,000 $7,500 $9,000$68�77 $137�54 $206�31 $275�08 $412�63 $550�16 $27�52 $68�77 $84�70Below are the SEMI-MONTHLY costs to buy Voluntary Life + AD&D coverage�Semi-Monthly Voluntary Life and AD&D Premium for EmployeeSemi-Monthly Voluntary Life and AD&D Premium for Spouse/Domestic PartnerAGE $25,000 $50,000 $75,000 $100,000 $150,000 $200,000 $10,000 $25,000 $30,000<30$1�30 $2�62 $3�92 $5�22 $7�84 $10�44 $0�52 $1�30 $1�5630-34$1�58 $3�16 $4�75 $6�31 $9�47 $12�61 $0�63 $1�58 $1�8935-39$1�80 $3�60 $5�40 $7�17 $10�77 $14�34 $0�72 $1�80 $2�1540-44$2�71 $5�44 $8�15 $10�86 $16�29 $21�71 $1�08 $2�71 $3�2545-49$4�07 $8�15 $12�22 $16�27 $24�42 $32�54 $1�63 $4�07 $4�8850-54$7�80 $15�62 $23�42 $31�22 $46�84 $62�44 $3�12 $7�80 $9�3655-59$12�46 $24�94 $37�40 $49�86 $74�79 $99�71 $4�98 $12�46 $14�9560-64$15�18 $30�36 $45�52 $60�69 $91�04 $121�38 $6�07 $15�17 $18�2065-69$16,250 $32,500 $48,750 $65,000 $97,500 $130,000 $6,500 $16,250 $19,500$16�86 $33�74 $50�59 $67�49 $101�21 $134�94 $6�74 $16�86 $20�2470-74$12,500 $25,000 $37,500 $50,000 $75,000 $100,000 $5,000 $12,500 $15,000$30�33 $60�67 $91�00 $121�36 $182�02 $242�69 $12�13 $30�33 $36�4075+$7,500 $15,000 $22,500 $30,000 $45,000 $60,000 $3,000 $7,500 $9,000$68�90 $137�80 $206�70 $275�60 $413�40 $551�22 $27�56 $68�90 $84�85Below are the SEMI-MONTHLY costs to buy EITHER Voluntary Life OR Voluntary Life + AD&D coverage�Semi-Monthly Voluntary Life Premium for Child(ren)Semi-Monthly Voluntary Life and AD&D Premium for Child(ren)Live birth to 15 days $250 Live birth to 15 days $25015 days to Age 26 $10,000 15 days to Age 26 $10,000Semi-monthly Deduction Per Family Unit$1�00 Semi-monthly Deduction Per Family Unit$1�172025 BENEFITS GUIDE | Manson Construction Co. NON-UNION CRAFT | Page 39

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EMPLOYEE ASSISTANCE PROGRAM (EAP)Sometimes life can be challenging; that is why Manson provides an Employee Assistance Program (EAP)� Your EAP is available to help you and your immediate family members find solutions to life’s challenges and restore peace of mind—at no cost to you—and is available 24 hours a day, 7 days a week�The EAP is designed to provide prompt, confidential help with a range of personal and family issues that may affect all of us from time to time� You or a member of your household can receive up to seven (7) complimentary counseling sessions per issue with an EAP Professional� A master’s-level counselor assesses your needs and develops a solution to address your concerns�Achieve well-being. • Stress • Mental health concerns • Grief and loss • Crisis situationsManage relationships and family. • Communication • Separation/divorce • ParentingDeal with workplace challenges. • Stress • Performance • Work-life balanceTackle addictions. • Alcohol • Drugs • Tobacco • GamblingFind child and elder care resources. • Childcare • Schooling • Nursing/retirement homesGet legal advice. • Family law • Separation/divorce • CustodyReceive financial guidance. • Debt management • Bankruptcy • RetirementImprove nutrition. • Weight management • High cholesterol and blood pressure • DiabetesFocus on your physical health. • Understand symptoms • Identify conditions • Improve sleepPLEASE NOTE: You have additional EAP coverage through ComPsych through Symetra� Your household is eligible for a total of five (5) face-to-face visits�Call: 888-327-9573Website: https://GuidanceResources�comWebID: SYMETRAAccess Your EAP 24/7/365:Website: https://my�canopywell�com or download the Canopy EAP app� Click “Member Login” and register as a new user� Then create your own account and enter "Manson Construction" in the “Organization” field�Email: info@canopywell�comPhone: 800-272-2727 Text: MSEAP to 53342 Android AppleCrisis Counselors are available 24/7/365.Call: (800) 433-2320 Text: (503) 580-7721CALL OR TEXT2025 BENEFITS GUIDE | Manson Construction Co. NON-UNION CRAFT | Page 41

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TRAVEL ASSISTANCE PROGRAMEmergencies happen� When they happen far from home, it is comforting to know a team of multilingual professionals is standing by to help� Travel Assistance offers a variety of 24/7 services in more than 200 countries and territories worldwide�You, your spouse/domestic partner, and your dependents under the age of 26 are eligible for all services provided� All other services take effect when you are on a trip 100 miles or more, lasting 90 days or less�Coverage is provided by Europ Assistance through Symetra� for more information, please contact 877-823-5807 anytime from anywhere or call collect to 240-330-1422� You can also go online to https://europ-assistance�com�IDENTITY THEFT PROTECTION PROGRAMIdentity theft is a rising concern, and it can happen to anyone; that’s where your ID theft protection comes in� It provides you with information to protect yourself and step-by-step coaching to help you confirm and resolve identity theft� You, your spouse/domestic partner, and dependents up to age 26 are eligible for all services� Some of the services you will receive include:• Lost wallet assistance• Credit information review• Three-bureau fraud alert placement assistance• ID theft affidavit assistance• Emergency cash while traveling (a repayment guarantee is needed)Generali Global Assistance provides coverage through Symetra�Do not wait until theft occurs� Be sure to call 877-823-5807 and mention you are calling about the Symetra Identity Theft program to get your Identity Theft Protection Kit� It covers the ins and outs of identity theft and provides advice on how to avoid it�2025 BENEFITS GUIDE | Manson Construction Co. NON-UNION CRAFT | Page 43

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NEW! PET INSURANCE SHOPPER Your benefits team, Alera Group, has partnered with Pet Insurance Shopper to provide a discounted rate on pet insurance� Pet Insurance Shopper provides pet parents with a single place to research and compare top pet insurers� Pet insurance helps you provide the best care for your fury family members� Pet insurance is a healthcare policy very similar to your own health insurance that helps cover unexpected and costly medical expenses for dogs and cats� There are 3 types of pet insurance coverage: • Accident • Illness • Wellness Depending on preference, you can sign up for 1, 2, or all 3 of these coverages, but not all companies offer wellness plans� Three primary reasons to consider obtaining pet insurance for your furbaby(s): 1� You will never have to decide what is best for your pet and your wallet�• Removes the financial aspect�• Allows you to make your decisions based on the medical recommendation from your veterinarian�2� Accidents happen�• Pet accidents or illness can cost thousands of dollars�• Good emergency pet insurance ensures you recoup a vast percentage of the costs�3� Pick a plan that best fits you and your pet’s needs�• Tailor pet insurance to fit your budget and pet’s needs�How Does Pet Insurance Work? • Compare and choose a policy at Pet Insurance Shopper (https://petinsuranceshopper�com/linksunlimited)�• Visit any licensed veterinarian�• Pay your pet’s invoice� • Submit your claim� 2025 BENEFITS GUIDE | Manson Construction Co. NON-UNION CRAFT | Page 47

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HEALTH BENEFITS CONTACT INFORMATIONCoveragePhone NumberWebsiteBenefitFocus Marketplace Portal Call Manson HR Benefits at (206) 764-8527https://mansonbenefits�hrintouch�comMedical – Premera Blue Cross BlueCard programGroup # 1032800My Network: Heritage Plus1 24/7 Nurse LinePharmacy Locator Group # BCWAPDP BIN # 610014800-722-1471 800-810-2583See Back of ID card 800-391-9701https://premera�com or https://bcbs�com Voluntary Pet Insurance N/A https://petinsuranceshopper�com/linksunlimited/home BenefitHub – Employee DiscountsReferral Code: 3JEDVL866-664-4621https://mansonconstruction�benefithub�com/welcomeDental – Delta Dental of WA Group # 09758My Network: Delta Dental PPO Plus Premier800-554-1907 https://deltadentalwa�comVision – Vision Service Plan (VSP) My Network: VSP Choice800-877-7195 https://vsp�comShort-Term and Long-Term Disability, Life and AD&D – Symetra Policy #: 01-018027-00877-377-6773 https://symetra�com/myGOFlexible Spending Accounts – Navia BenefitsCompany Code: MNO800-669-3539 https://naviabenefits�comcustomerservice@naviabenefits�comEAP – CanopyOrganization: Manson Construction800-433-2320my�canopywell�com EAP – ComPsych/SymetraWebID: SYMETRA888-327-9573https://guidanceresources�comBeneficiary Companion – Generali Global Assistance/Symetra877-823-5807https://generali�comID Theft – Generali Global Assistance/Symetra877-823-5807https://generali�comTravel Assistance – Europ Assistance/Symetra877-823-5807https://europ-assistance�comMedicare support 541-494-7714Ed�Steffens@PropelInsurance�comManson HR Operations Team 206-764-8527benefitsenroll@mansonconstruction�comNeed help or have questions? We recommend you review the plan documents posted in the BenefitFocus Marketplace Portal or go to SharePoint >> Human Resources >> Health Benefits� If you need additional clarification, contact the carrier with your benefits questions�2025 BENEFITS GUIDE | Manson Construction Co. NON-UNION CRAFT | Page 49

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IMPORTANT PLAN NOTICESEMPLOYER’S CHILDREN’S HEALTH INSURANCE PROGRAM (CHIP)Premium assistance under Medicaid and the Children’s Health Insurance Program (CHIP)If you or your child(ren) are eligible for Medicaid or CHIP and you are eligible for health coverage from your employer, your state may have a premium assistance program that can help pay for coverage using funds from their Medicaid or CHIP programs� If you or your child(ren) are not eligible for Medicaid or CHIP, you will not be eligible for these premium assistance programs, but you may be able to buy individual insurance coverage through the Health Insurance Marketplace� for more information, visit https://healthcare�gov�If you or your dependents are enrolled in Medicaid or CHIP and you live in a state listed below, contact your state’s Medicaid or CHIP office to find out if premium assistance is available�If you or your dependents are NOT currently enrolled in Medicaid or CHIP, and you think you or any of your dependents might be eligible for either of these programs, contact your state’s Medicaid or CHIP office or dial 1-877-KIDS NOW or https://insurekidsnow�gov to find out how to apply� If you qualify, ask your state if it has a program that might help you pay the premiums for an employer-sponsored plan�If you or your dependents are eligible for premium assistance under Medicaid or CHIP, as well as eligible under your employer plan, your employer must allow you to enroll in your employer plan if you are not enrolled� This is called a “special enrollment” opportunity, and you must request coverage within 60 days of being determined eligible for premium assistance� If you have questions about enrolling in your employer’s plan, contact the Department of Labor at https://askebsa�dol�gov or call 1-866-444-EBSA (3272)�If you live in one of the following states, you may be eligible for assistance paying your employer health plan premiums� The following list of states is current as of July 31, 2024� Contact your state for more information on eligibility�ALABAMA - MedicaidWebsite: https://myalhipp�com/Phone: 1-855-692-5447ALASKA - MedicaidThe AK Health Insurance Premium Payment Program Website: https://myakhipp�com/Phone: 1-866-251-4861Email: CustomerService@MyAKHIPP�com Medicaid Eligibility: https://dhss�alaska�gov/dpa/Pages/medicaid/default�aspxARKANSAS - MedicaidWebsite: https://myarhipp�com/Phone: 1-855-MyARHIPP (855-692-7447)CALIFORNIA - MedicaidHealth Insurance Premium Payment (HIPP) Program Website: https://dhcs�ca�gov/hipp Phone: 916-445-8322Email: hipp@dhcs�ca�govCOLORADO - Health First Colorado (Colorado’s Medicaid Program) & Child Health Plan Plus (CHP+)Health First Colorado Website: https://healthfirstcolorado�comHealth First Colorado Member Contact Center: 1-800-221- 3943 / State Relay 711CHP+: https://colorado�gov/pacific/hcpf/child-health-plan-plusCHP+ Customer Service: 1-800-359-1991 / State Relay 711 Health Insurance Buy-In Program (HIBI): https://colorado�gov/pacific/hcpf/health-insurance-buy-programHIBI Customer Service: 1-855-692-6442FLORIDA - MedicaidWebsite: https://flmedicaidtplrecovery�com/flmedicaidtplrecovery�com/hipp/index�htmlPhone: 1-877-357-3268GEORGIA - MedicaidWebsite: https://medicaid�georgia�gov/health-insurance-premium-payment-program-hipp Phone: 678-564-1162, ext 21312025 BENEFITS GUIDE | Manson Construction Co. NON-UNION CRAFT | Page 51

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INDIANA - MedicaidHealthy Indiana Plan for low-income adults 19-64 Website: https://in�gov/fssa/hip/Phone: 1-877-438-4479All other Medicaid Website: https://in�gov/medicaid/Phone: 1-800-457-4584IOWA - Medicaid and CHIP (Hawki)Medicaid Website: https://dhs�iowa�gov/ime/membersMedicaid Phone: 1-800-338-8366Hawki Website: https://dhs�iowa�gov/HawkiHawki Phone: 1-800-257-8563HIPP Website: https://dhs�iowa�gov/ime/members/medicaid-a-to-z/hippHIPP Phone: 1-888-346-9562KANSAS - MedicaidWebsite: https://kancare�ks�govPhone: 1-800-792-4884KENTUCKY - MedicaidKentucky Integrated Health Insurance Premium Payment Program (KI-HIPP) Website: https://chfs�ky�gov/agencies/dms/member/Pages/kihipp�aspx Phone: 1-855-459-6328Email: KIHIPP�PROGRAM@ky�govKCHIP Website: https://kidshealth�ky�gov/Pages/index�aspxPhone: 1-877-524-4718Kentucky Medicaid Website: https://chfs�ky�govLOUISIANA - MedicaidWebsite: https://medicaid�la�gov or https://ldh�la�gov/lahipp Phone: 1-888-342-6207 (Medicaid hotline) or 1-855-618-5488 (LaHIPP)MAINE - MedicaidEnrollment Website: https://maine�gov/dhhs/ofi/applications-forms Phone: 1-800-442-6003, TTY: Maine relay 711Private Health Insurance Premium Webpage: https://maine�gov/dhhs/ofi/applications-formsPhone: 1-800-977-6740, TTY: Maine relay 711MASSACHUSETTS - Medicaid and CHIPWebsite: https://mass�gov/info-details/masshealth-premium-assistance-paPhone: 1-800-862-4840MINNESOTA - MedicaidWebsite: https://mn�gov/dhs/people-we-serve/children-and-families/health-care/health-care-programs/programs-and-servicesPhone: 1-800-657-3739MISSOURI - MedicaidWebsite: https://dss�mo�gov/mhd/participants/pages/hipp�htm Phone: 573-751-2005MONTANA - MedicaidWebsite: https://dphhs�mt�gov/MontanaHealthcareProgramsPhone: 1-800-694-3084NEBRASKA Website: https://ACCESSNebraska�ne�gov Phone: 1-855-632-7633Lincoln: 402-473-7000Omaha: 402-595-1178NEVADA - MedicaidMedicaid Website: https://dhcfp�nv�govMedicaid Phone: 1-800-992-0900NEW HAMPSHIRE - MedicaidWebsite: https://www�dhhs�nh�gov/programs-services/medicaid/health-insurance-premium-programPhone: 603-271-5218Toll-free number for the HIPP program: 1-800-852-3345, ext 5218NEW JERSEY - Medicaid and CHIPMedicaid Website: https://state�nj�us/humanservices/dmahs/clients/medicaid/Medicaid Phone: 609-631-2392CHIP Website: https://njfamilycare�org/index�html CHIP Phone: 1-800-701-0710NEW YORK - MedicaidWebsite: https://health�ny�gov/health_care/medicaid/Phone: 1-800-541-2831NORTH CAROLINA - MedicaidWebsite: https://medicaid�ncdhhs�gov/Phone: 919-855-41002025 BENEFITS GUIDE | Manson Construction Co. NON-UNION CRAFT | Page 53

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NORTH DAKOTA - MedicaidWebsite: https://nd�gov/dhs/services/medicalserv/medicaid/Phone: 1-844-854-4825OKLAHOMA - Medicaid and CHIPWebsite: https://insureoklahoma�orgPhone: 1-888-365-3742OREGON - MedicaidWebsite: https://healthcare�oregon�gov/Pages/index�aspx or https://oregonhealthcare�gov/index-es�htmlPhone: 1-800-699-9075PENNSYLVANIA - MedicaidWebsite: https://dhs�pa�gov/providers/Providers/Pages/Medical/HIPP-Program�aspx Phone: 1-800-692-7462RHODE ISLAND - Medicaid and CHIPWebsite: https://eohhs�ri�gov/Phone: 1-855-697-4347 or 401-462-0311 (Direct RIte Share Line)SOUTH CAROLINA - MedicaidWebsite: https://scdhhs�govPhone: 1-888-549-0820SOUTH DAKOTA - MedicaidWebsite: https://dss�sd�govPhone: 1-888-828-0059TEXAS - MedicaidWebsite: https://gethipptexas�com/Phone: 1-800-440-0493UTAH - Medicaid and CHIPMedicaid Website: https://medicaid�utah�gov/ CHIP Website: https://health�utah�gov/chip Phone: 1-877-543-7669VERMONT - MedicaidWebsite: https://greenmountaincare�org/Phone: 1-800-250-8427VIRGINIA - Medicaid and CHIPWebsite: https://coverva�org/en/famis-select or https://coverva�org/en/hipp Medicaid Phone: 1-800-432-5924CHIP Phone: 1-800-432-5924WASHINGTON - MedicaidWebsite: https://hca�wa�govPhone: 1-800-562-3022WEST VIRGINIA - MedicaidWebsite: https://mywvhipp�com/Toll-free phone: 1-855-MyWVHIPP (1-855-699-8447)WISCONSIN - Medicaid and CHIPWebsite: https://dhs�wisconsin�gov/badgercareplus/p-10095�htmPhone: 1-800-362-3002WYOMING - MedicaidWebsite: https://health�wyo�gov/healthcarefin/medicaid/programs-and-eligibilityPhone: 1-800-251-1269To see if any other states have added a premium assistance program since July 31, 2024, or for more information on special enrollment rights, contact either: U�S Department of LaborEmployee Benefits Security Administrationhttps://dol�gov/ebsa1-866-444-EBSA (3272)U�S� Department of Health and Human ServicesCenters for Medicare and Medicaid Serviceshttps://cms�hhs�gov1-877-267-2323, Menu Option 4, Ext� 615652025 BENEFITS GUIDE | Manson Construction Co. NON-UNION CRAFT | Page 55

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IMPORTANT NOTICE FROM MANSON ABOUT YOUR PRESCRIPTION DRUG COVERAGE AND MEDICAREPlease read this notice carefully and keep it where you can find it� This notice contains information about your current prescription drug coverage with Manson and your options under Medicare’s prescription drug coverage� This information can help you decide whether to join a Medicare drug plan� If you are considering joining, you should compare your current coverage, including which drugs are covered at what cost, with the coverage and costs of the plans offering Medicare prescription drug coverage in your area� Information about where you can get help to make decisions about your prescription drug coverage is at the end of this notice�There are two important things you need to know about your current coverage and Medicare’s prescription drug coverage:1� Medicare prescription drug coverage became available in 2006 to everyone with Medicare� You can get this coverage if you join a Medicare Prescription Drug Plan or join a Medicare Advantage Plan (like an HMO or PPO) that offers prescription drug coverage� All Medicare drug plans provide at least a standard level of coverage set by Medicare� Some plans may also offer more coverage for a higher monthly premium�2� Manson has determined that the prescription drug coverage offered by Premera Blue Cross is, on average for all plan participants, expected to pay out as much as standard Medicare prescription drug coverage pays and is therefore considered Creditable Coverage�WHEN CAN YOU JOIN A MEDICARE DRUG PLAN? You can join a Medicare drug plan when you first become eligible for Medicare and each year from October 15 through December 7�However, if you lose your current creditable prescription drug coverage, through no fault of your own, you will also be eligible for a two-month Special Enrollment Period (SEP) to join a Medicare drug plan�WHAT HAPPENS TO YOUR CURRENT COVERAGE IF YOU JOIN A MEDICARE DRUG PLAN? If you decide to join a Medicare drug plan, your current Manson coverage may be affected� If you do decide to join a Medicare drug plan and drop your current Manson coverage, be aware that you and your dependents may not be able to get this coverage back�WHEN WILL YOU PAY A HIGHER PREMIUM (PENALTY) TO JOIN A MEDICARE DRUG PLAN? If you go 63 continuous days or longer without creditable prescription drug coverage, your monthly premium may go up by at least 1% of the Medicare base beneficiary premium per month for every month that you did not have that coverage� for example, if you go nineteen months without creditable coverage, your premium may consistently be at least 19% higher than the Medicare base beneficiary premium� You may have to pay this higher premium (a penalty) as long as you have Medicare prescription drug coverage� In addition, you may have to wait until the following November to join�NOTE: You will get this notice each year� You will also get it before the next period you can join a Medicare drug plan, and if this coverage through Manson changes� You also may request a copy of this notice at any time�More detailed information about Medicare plans that offer prescription drug coverage is in the “Medicare & You” handbook� You will get a copy of the handbook in the mail every year from Medicare� You may also be contacted directly by Medicare drug plans�If you have limited income and resources, assistance paying for Medicare prescription drug coverage is available� for information about this extra help, visit Social Security on the web at https://socialsecurity�gov, or call them at 1-800-772-1213 (TTY 1-800-325-0778)�REMEMBER: Keep this Creditable Coverage notice� If you decide to join one of the Medicare drug plans, you may be required to provide a copy of this notice when you join to show whether or not you have maintained creditable coverage and, therefore, whether or not you are required to pay a higher premium (a penalty)�Date: January 1, 2025Name of Entity/Sender: Manson Construction Co� (Manson)Contact: HR Operations TeamAddress: 5209 E� Marginal Way South Seattle, WA 98134Phone Number: 206-764-8527According to the Paperwork Reduction Act of 1995, no persons are required to respond to a collection of information unless it displays a valid OMB control number.The valid OMB control number for this information collection is 0938-0990. The time required to complete this information collection is estimated to average 8 hours per response initially, including the time to review instructions, search existing data resources, gather the data needed, and complete and review the information collection. If you have comments concerning the accuracy of the time estimate(s) or suggestions for improving this form, please write to:2025 BENEFITS GUIDE | Manson Construction Co. NON-UNION CRAFT | Page 57

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STATEMENT OF ERISA RIGHTSAs a participant in the Plan, you are entitled to certain rights and protections under the Employee Retirement Income Security Act of 1974 (ERISA)� ERISA provides that all plan participants shall be entitled to:RECEIVE INFORMATION ABOUT YOUR PLAN AND BENEFITSExamine, without charge, at the Plan Administrator’s office and at other specified locations, such as worksites and union halls, all documents governing the Plan, including insurance contracts and collective-bargaining agreements, and a copy of the latest annual report (Form 5500 series) filed by the Plan with the U�S� Department of Labor and available at the Public Disclosure Room of the Employee Benefits Security Administration�Obtain, upon written request to the Plan Administrator, copies of documents governing the operation of the Plan, including insurance contracts and collective-bargaining agreements, and copies of the latest annual report (Form 5500 Series) and updated summary plan description� The Administrator may make a reasonable charge for the copies�Receive a summary of the Plan’s annual financial report� The Plan Administrator is required by law to furnish each participant with a copy of this Summary Annual Report�CONTINUE GROUP HEALTH PLAN COVERAGE Continue health care coverage for yourself, spouse, or dependents if there is a loss of coverage under the Plan because of a qualifying event� You or your dependents may have to pay for such coverage� Review this summary plan description and the documents governing the Plan on the rules governing your COBRA continuation coverage rights�Reduction or elimination of exclusionary periods of coverage for pre-existing conditions under your group health plan, if you have creditable coverage from another plan� You should be provided a certificate of creditable coverage, free of charge, from your group health plan or health insurance issuer when you lose coverage under the Plan, when you become entitled to elect COBRA continuation coverage, and when your COBRA continuation coverage ceases, if you request it before losing coverage, or if you request it up to 24 months after losing coverage� Without evidence of creditable coverage, you may be subject to a pre-existing condition exclusion for 12 months (18 months for late enrollees) after your enrollment date in your coverage�PRUDENT ACTIONS BY PLAN FIDUCIARIES In addition to creating rights for plan participants, ERISA imposes duties upon the people who are responsible for the operation of the employee benefit plan� The people who operate your Plan, called “fiduciaries” of the Plan, have a duty to do so prudently and in the interest of you and other Plan participants and beneficiaries� No one, including your employer, your union, or any other person, may fire you or otherwise discriminate against you in any way to prevent you from obtaining a welfare benefit or exercising your rights under ERISA�ENFORCE YOUR RIGHTSIf your claim for a welfare benefit is denied or ignored in whole or in part, you have a right to know why this was done, to obtain copies of documents relating to the decision without charge, and to appeal any denial, all within certain time schedules� Under ERISA, there are steps you can take to enforce the above rights� for instance, if you request a copy of plan documents or the latest annual report from the Plan and do not receive them within 30 days, you may file suit in a federal court� In such a case, the court may require the Plan Administrator to provide the materials and pay you up to $110/day until you receive the materials, unless the materials were not sent because of reasons beyond the control of the Administrator�If you have a claim for benefits, which is denied or ignored, in whole or in part, you may file suit in a state or federal court� In addition, if you disagree with the Plan’s decision or lack thereof concerning the qualified status of a domestic relations order or a medical child support order, you may file suit in federal court� If it should happen that plan fiduciaries misuse the plan’s money, or if you are discriminated against for asserting your rights, you may seek assistance from the U�S� Department of Labor, or you may file suit in a federal court� The court will decide who should pay court costs and legal fees� If you are successful, the court may order the person you have sued to pay these costs and fees� If you lose, the court may order you to pay these costs and fees, for example, if it finds your claim is frivolous�ASSISTANCE WITH YOUR QUESTIONS If you have any questions about your plan, you should contact the plan administrator� If you have any questions about this statement or about your rights under ERISA, or if you need assistance in obtaining documents from the plan administrator, you should contact the nearest office of the Employee Benefits Security Administration, U�S� Department of Labor, listed in your telephone directory or the Division of Technical Assistance and Inquiries, Employee Benefits Security Administration, U�S� Department of Labor, 200 Constitution Avenue N�W�, Washington, D�C� 20210� You may also obtain certain publications about your rights and responsibilities under ERISA by calling the publications hotline of the Employee Benefits Security Administration�EMPLOYMENT TAXES AND VOLUNTARY DEDUCTIONS POLICYAs an employee of Manson Construction Co�, you are responsible for paying federal, state, and local taxes� This includes income, Social Security, and Medicare taxes� These taxes will be automatically withdrawn from each of your paychecks at a rate that is determined by the number of deductions you claim on Form W-4�2025 BENEFITS GUIDE | Manson Construction Co. 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You are also eligible to receive benefit coverage under the Manson Construction Co� Employee Benefits Plan� Should you choose to enroll in the offered benefits program, you will be required to pay a portion of the premium cost� Your total annual contribution cost for the coverage you select will be divided by the number of pay periods in the Plan Year to determine the amount that will be deducted (on a pre-tax basis) from each of your paychecks�You have the option of waiving all pre-tax benefits� Should you choose to waive these benefits, you will not have another opportunity to elect them until the next Open Enrollment Period, and any after-tax coverage permitted by Manson Construction Co� will be outside the plan� The only exception to this is in the case of a Change in Election Event for an applicable benefit�Some common Change in Election Events include changes in employment status, divorce, and marriage� In these circumstances, the election change must be because of and consistent with the Change in Election Event, as described in the Plan�The employment taxes and voluntary deductions described above will continue to be deducted from your paycheck until changes are made to the number of deductions you claim, or until you change your benefit elections� There is a possibility, however, that your contributions for Medical and Dental Insurance Benefits will be automatically increased or decreased for changes�ABOUT THIS GUIDEThis benefit summary provides selected highlights of the Manson employee benefits program� It is not a legal document and shall not be construed as a guarantee of benefits nor of continued employment at Manson� All benefit plans are governed by master policies, contracts, and plan documents� Any discrepancies between the information provided through this summary and the actual terms of the policies, contracts, and plan documents are governed by the terms of these policies, contracts, and plan documents� Manson reserves the right to amend, suspend, or terminate any benefit plan, completely or in part, at any time� The Plan Administrator has the authority to make these changes�COMPANY CONTACT5209 E� Marginal Way SouthSeattle, WA 98134206-764-8527Manson HR Operations TeamEmail: benefitsenroll@mansonconstruction�comWebsite: https://mansonconstruction�com2025 BENEFITS GUIDE | Manson Construction Co. NON-UNION CRAFT | Page 63

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Manson Construction 2025 Non-Union Craft Benefits Guide

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