TekSynap 2023 Benefits Guide : simplebooklet.com

At TekSynap, our employees are our most valuable asset, and we are committed to ensuring you and your family stay healthy, feel secure and enjoy a positive work / life balance. Our HR Team, managers, and senior leadership are equally dedicated to enabling our workforce to focus on supporting our customers, unhindered by concerns over the adequacy or reliability of their benefits.To help us achieve these goals, we have worked hard to assemble a variety of effective and dependable benefit plans, backed by some of the industry’s most reputable providers, as you will see in the following pages.Our promise to you is that we will continue to refine and improve our benefits offerings, keeping pace with industry trends and innovations, and ultimately, to maximize their effectiveness and value for you – our most valued asset.Please read through all of your materials carefully. You have many resources available for any questions related to your plans as you enroll and throughout the year. Take advantage of those resources to be sure you receive the full benefits you need and all that is available to you and your family. The health care coverage you elect begins with your initial eligibility date and continues through the end of the plan year. TekSynap’s plan year runs October 1st through September 30th.2Welcome

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TekSynap Benefits Summary3STAY HEALTHY Medical Insurance Dental Insurance Vision Insurance TRICARE Supplemental InsuranceFEELING SECURE 401(k) Plan with Match and No Vesting Period Life and Accidental Death & Dismemberment Insurance Short Term Disability Long Term Disability 529 College Savings Plan Student Loan Repayment Plan with Employer Match Employee Learning Program with Tuition Reimbursement of $5,000 per year Pet Assure and PET Plus Discount Plans FSA Plan OptionsWORK/LIFE BALANCE AND REFERRAL PROGRAM 15 Days Paid-Time-Off (PTO), 1 additional day of PTO earned with each year of employment (maximum of 20 days) 11 Federal Holidays Flex time within Pay Period $5k Vacation Award after 5 years of employment,$10k Vacation Award after 10 years of employment and every 5 years thereafter Employee Referral Program offering $3000 bonus for referrals that fill a cleared position and$1000 bonus for non-cleared positions.

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NEW HIRESIf you are a full-time permanent employee who has a regular schedule working a minimum of 30 hours per week, you are eligible for TekSynap’s benefits program. Medical, Dental and Vision benefits will be effective on the first day of the month following your date of hire. All enrollment forms must be completed no later than 25 days after your date of hire. Life and Disability benefits will be effective on your date of hire.OPEN ENROLLMENTEach year, we have an annual “Open Enrollment” period for benefit plans. During “Open Enrollment”, you may elect new coverage, change plans, and add or delete eligible dependents. All changes will take effect on October 1.QUALIFYING EVENTS*Employees are only able to make changes during Open Enrollment unless you experience a Qualifying Life Event during the plan year. You must notify HR of the Qualifying Event within 30 days.Below are examples of Qualifying Events:• Birth, adoption, placement for foster care, legal custody of a child• Marriage, divorce, legal separation• Gain or loss of spouse’s coverage due to change in employment• Gain or loss of a child’s eligibility• Gain or loss of coverage under Medicare or Medicaid• Death of spouse or child• COBRA coverage expires• Start or end of unpaid leave of absence• Significant change in health care cost of spouse• Gain or loss of coverage during spouse’s annual enrollment• Loss of child coverage under a parent’s plan due to eligibility requirements* Please note: Documentation is required to show loss of coverage to include name and dateHOW LONG DO I HAVE TO REQUEST ENROLLMENT DUE TO A QUALIFYING EVENT?You or your dependent must request enrollment within 30 days after losing eligibility for coverage or after a marriage, birth, adoption, or placement for foster care.You or your dependent must request enrollment within 60 days of the loss of coverage under a State CHIP or Medicaid program or the determination of eligibility for premium assistance under those programs.ELIGIBLE DEPENDENTSYour eligible dependents include:• Legal spouse/domestic partner (same or opposite sex)• Your children including those of your spouse/domestic partner Children must be natural, legally adopted, or placed with you for legal adoption Children are covered up to the age of 265When Can I Enroll?

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Cigna’s Open Access Plus network gives members access to an extensive national network of health care professionals and facilities. You have the option of using any doctor in-network or out-of-network; however, you will pay less when seeing an in-network provider. Referrals are not required to see a specialist.When you enroll in the Cigna medical plan, TekSynap will contribute the entire amount of your medical plan deductible, $5,000 for an individual and $10,000 for a family, to your Health Reimbursement Account. These funds can be used for eligible medical and prescription drug expenses.Note: Deductibles and Out of Pocket Maximums are calculated on a plan year basis.Visit www.mycigna.com to locate participating providers.Medical & Prescription Drug Plan OptionsThis is a summary of benefits for informational purposes only. Please refer to the Carrier Certificate of Coverage for complete terms of coverage and eligibility.6

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Cigna Open Access Plus PlansOpen Access Plus plans have access to Cigna’s national network of providers.Do I have to choose a primary care physician (PCP)?No, but it is recommended. A PCP gives you and your covered family members a valuable resource and can be a personal health advocate.Do I need a referral to see a specialist?You do not need a referral to see an in-network specialist. If you choose an out-of-network specialist, your care will be covered at the out-of-network level.What is the difference between in-network and out-of-network coverage?Each time you seek medical care, you can choose your doctor – either a doctor who is in the Cigna network, or someone who is not. When you visit an in-network doctor, you receive “in-network coverage” with lower out-of-pocket costs. That’s because our in-network health care professionals have agreed to charge lower fees, and your plan covers a larger share of the charges. If you visit a doctor outside the network, your out-of-pocket costs will be higher.What if I need to be admitted to the hospital?In an emergency, you have coverage. Requests for non-emergency hospital stays, other than maternity stays, must be approved in advanced or “precertified”. This lets Cigna determine if the services are covered by your plan. Precertification is not required for maternity stays of 48 hours for vaginal deliveries or 96 hours for cesarean sections. Depending on your plan, you may be eligible for additional coverage. Any hospital stay beyond the first 48 or 96 hours must be approved.Who must get precertification?Your doctor will help you decide which procedures require you to be admitted to the hospital and which can be handled on an outpatient basis. If your doctor is in the Cigna network, he or she will arrange for precertification. If you use an out-of-network doctor, you must make the arrangements. Look at your plan documents to see which procedures need precertification.What if I go to an out-of-network doctor who sends me to an in-network hospital? Will I pay in- network or our-of-network charges for my hospital stay?Your plan will cover authorized medical services provided by an Open Access Plus in-network hospital at your in-network coverage level, whether you were sent there by an in- or out-of-network doctor.How do I find out if my doctor is in the Cigna network before I enroll?It’s quick and easy to search for in-network doctors, specialists, pharmacies and hospitals close to home and work. Go to Cigna.com and click on “Find a Doctor”. You can review a doctor’s background, languages spoken and hospital affiliations.7

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Cigna’s Precertification ProcessIf your provider is not in the Cigna network, you are responsible for getting precertification – not the doctor.Precertification is a review to determine if a medical service requested by a doctor or other health care professional will be covered under an individual’s health care plan before that service occurs.When certain elective procedures or services are scheduled, the provider is required to have it pre-certified through Cigna in advance. If your physician is in-network with Cigna, it’s the network physician’s office responsibility to have the service pre-certified. If the doctor is not in the Cigna network, the individual is responsible for getting precertification – not the doctor.It is also important to understand what services have this requirement in advance of it being performed. Confirm with the physician’s office prior to your service date that this step has taken place to avoid delays or non-payments. Some examples: Inpatient Hospitalization Outpatient Surgery/Procedures Outpatient Pain Management/Testing Advanced Radiology (MRI/CT Scan)Approvals – Cigna reviews precertification requests against established criteria for that procedure. If the information provided to Cigna meets the clinical criteria, the doctor will receive an approval and an appointment can be scheduled.Expected authorization turnaround time for high-tech radiology services (assuming all necessary clinical information has been submitted by the doctor) is approximately 2 to 3 business days for routine requests.Cigna resources at your fingertips: myCigna.com and myCigna mobile app – access to Cigna’s prescription drug, advanced radiology, procedure, and facility “Cost Comparison Tool” Lost your ID card? It is always available online at myCigna.com. You can also download your ID card on the myCigna mobile app and never have to worry about a paper ID card again 24/7 Customer Service and Health Information Line – call 800-244-6224 (Customer Service numbers are listed on the back of your ID card)8

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Health Reimbursement Account (HRA)TekSynap will contribute the entire amount of your medical plan deductible $5,000 for an individual and $10,000 for afamily, to your Health Reimbursement Account!The Cigna Choice Fund HRA provides a health care plan with a health reimbursement account funded by TekSynap to help pay for some of your covered health care costs.When enrolled in the HRA plan, TekSynap will fund your HRA account for the plan year as follows: $5,000 toward employee only coverage $10,000 toward employee + spouse, employee + child(ren) and employee + family coverageWhen you receive health care services, your HRA can be used first to pay 100% of your eligible health care and prescription drug costs until the funds listed above are used up. You are then responsible to pay the costs until you reach the out-of-pocket plan maximum. This means that if you spend up to that maximum amount during the plan year, your health plan will pay your covered health care costs at 100% for the remainder of the plan year. Please refer to the plan Benefit Summary for details.How your Cigna HRA works….91Your HRA funds are available in full on the first day of coverage. They can be used for eligible medical and prescription drug expenses.2Medical and prescription drug expenses will be auto-paid by Cigna - no debit card needed. You will not provide any payment at time of service or submit claims afterward.3Unused HRA employer funded contributions do not roll forward into the next plan year.4Your HRA fund dollars will go much farther when you see In-Network providers and use In-Network labs and facilities.5Don’t forget….Preventive Care is covered at 100% when using in-network providers!

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Cigna Telehealth10A DOCTOR IS ALWAYS INMDLive – 888-726-3171MDLiveforCigna.comCigna provides access to telehealth services as part of your medical plan –MDLIVE.Cigna Telehealth Connection lets you get the care you need – including most prescriptions – for a wide rangeof minor conditions. Now you can connect with aboard-certified doctor via secure video chat orphone, without leaving your home or office. When, where and how it works best for you!Choose when: Day or night, weekdays, weekends and holidaysChoose where: Home, work or on the goChoose who: MDLIVE doctorsYou can receive care for conditions such as:Sore throat, headache, allergies, rash, flu, fever, and many more!MDLIVE is available for medical and behavioral health visits. For covered services related to mental health and substance abuse, you have access to the Cigna Behavioral Health network of providers.Go to Cignabehavioral.com to search for a video telehealth specialist. Call to make an appointment with your selected provider Register today so you will be ready to use a telehealth service when and where you need it!Telehealth visits with Cigna Behavioral Health network providers cost the same as an in-office visit.Register today so you’ll be ready to use a telehealth service when and where you need it!

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Cigna Employee Assistance Program Get the help you need, when you need it, at not additional cost to you. 11We are pleased to offer additional Employee Assistance Programs to are employees enrolled in TekSynap’s Cigna medical plan at no cost. Whether you need help reducing stress, are feeling motivated to make a change in your life, or need to talk to someone, Cigna offers a variety of behavioral support tools and services to help ensure you get the support that works best for you. Comprehensive program includes:• Three face-to-face visits with a licensed mental health provider in Cigna’s employee assistance program network • Live chat with an employee assistance program advocate• Unlimited telephone counseling and access to work-life resources • Self-service digital tools and resources at myCigna.com• Access to legal services including a 30-minute no-cost consultation with a network attorney for legal issues including civil, personal/family, and IRS and 25% discount off select fees if the network attorney is retained• Access to financial services, such as 25% off tax preparation and a 30-minute complimentary phoneconsultation with a qualified specialist on debt counseling, budgeting, student loans and more• Identity theft 60-minute consultation with a fraud resolution specialist that can provide information on how to recover from identity theft, and ways to protect yourselfContact Cigna Employee Assistance Program Toll free 24/7 at 800-231-1492 or call the number on the back of your ID card Additional information can be found at: www.mycigna.comLocated under “Coverage” on their site.

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Where To Go For Care12Choosing the most appropriate setting for care can save you money!Where to Get Care What it is Type of Care CostCare24/NurseLineNurseLine connects you with registered nurses 24/7:1-800-337-4770• Choosing appropriate medical care• Finding a doctor or hospital• Understanding treatment options• Achieving a healthier lifestyle• Answering medication questionsNo additional costVirtual Visit LiveHealth OnlineA virtual visit lets you see a doctor via your smartphone, tablet or computer.• Allergies• Bladder infections• Bronchitis• Cough/colds• Diarrhea• Fever• Pink eye• Rashes• Seasonal flu• Sinus problems• Sore throats• Stomach aches$$Convenience Care ClinicsVisit a convenience care clinic when you can’t see your doctor and your health issue isn’t urgent. These clinics are often located in retail stores.• Common infections• Minor skin conditions• Vaccinations• Pregnancy tests• Minor injuries• Earache$$Primary Care PhysicianGo to a doctor’s office when you need preventive or routine care. Your primary doctor can access your medical records, manage your medications and refer you to a specialist if needed.• Checkups• Preventive services• Minor skin conditions• Vaccinations• General health management$$Urgent CareUrgent care is ideal for when you need care quickly, but it is not an emergency (and your doctor isn’t available). Urgent care centers treat issues that aren’t life threatening.• Sprains• Strains• Small cuts that may need a few stitches• Minor burns• Minor infections• Minor broken bones$$$Emergency RoomThe ER is for life-threatening or very serious conditions that require immediate care. This is also when to call 911.• Heavy bleeding• Large open wounds• Sudden change in vision• Chest pain• Sudden weakness or trouble talking• Major burns• Spinal injuries• Severe head injury• Breathing difficulty• Major broken bones$$$$

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Cigna Dental13With Cigna dental, you can visit the dentist of your choice. You can see an In-Network dentist or an Out-of- Network dentist; however, your out-of-pocket expenses will be much less when you visit an In-Network provider for services. Deductibles and Annual Maximums are determined on a calendar year basis.Visit: www.mycigna.com to locate an in-network dentistCigna DentalNetworkDPPO Advantage DPPO Out-of-NetworkAnnual DeductibleIndividual / Family$50 / $150 $50 / $150 $50 / $150*Annual Plan MaximumYear 1: $5,000Year 2: $5,200Year 3: $5,400Year 4: $5,600Year 1: $5,000Year 2: $5,200Year 3: $5,400Year 4: $5,600Year 1: $5,000Year 2: $5,200Year 3: $5,400Year 4: $5,600Preventive ServicesExams, cleanings, X-rays100%(deductible waived)100%(deductible waived)100%(deductible waived)Basic ServicesFillings, periodontics, endodontics, extractions 90% after deductible 80% after deductible 80% after deductibleMajor ServicesCrowns, dentures, bridges 60% after deductible 50% after deductible 50% after deductibleOrthodontia – Child & AdultDeductible does not apply50% 50% 50%Orthodontia Lifetime Max $2,500 $2,500 $2,500Dependent Eligibility To age 26 regardless of student status*Cigna’s Wellness Plus Progressive Maximum ProgramYou will be rewarded each year for visiting your Dentist for scheduled preventive exams, cleanings, and X-rays. This program allows you to carry forward $200 each year of your unused plan year maximum benefit of $5,000. For details contact Cigna at 800-244-6224.

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VSP Vision14This is a summary of benefits for informational purposes only. Please refer to the Carrier Certificate of Coverage for complete terms of coverage and eligibility.Get access to the best in eye care and eyewear with TekSynap’s new upgraded VSP Vision Choice plan. Find an eye doctor who is right for you – the decision to use in or out-of-network providers is yours to make. When you make your appointment, let the provider know you have VSP Choice Plan Network – an ID card is not necessary! When enrolled in the VSP Vision Plan you will also have access to hearing aid discounts through TruHearing.To find a participating eye care specialist, call 800.877.7195 or visit www.vsp.comVSP Vison BenefitsNetworkIn-Network Out-of-Network FrequencyEye Examination $10 copay Up to $50 allowance Every 12 monthsEyeglass Lenses (instead of contacts)Single Vision Lined Bifocal Lined TrifocalIncluded in Prescription GlassesUp to $50 allowance Up to $75 allowance Up to $100 allowanceEvery 12 monthsEyeglass Frames Standard Featured Discounts$250 allowance$270 allowance 20% savings over theallowanceUp to $70 allowance Every 12 monthsContact Lenses (instead of glasses)ElectiveNon-Elective Fitting Fee$130 allowance Covered in full Up to $60 copayUp to $105 allowance Up to $210 allowanceIncluded in Lens allowanceEvery 12 monthsExtra Vision Savings: Glasses Sunglasses Retinal ScreeningLaser Vision CorrectionGlasses & Sunglasses• Extra $20 to spend on featured frame brands.• 30% savings on additional glasses and sunglasses, including lens enhancements, within 12 months of your last WellVision Exam.Retinal Screenings• No more than a $39 copay on routine retinal screening as an enhancement to a WellVision Exam.Laser Vision Correction• Average 15% off the regular price or 5% off the promotional price; discounts only available from contracted facilities.TruHearingHearing Aid Discount ProgramIf enrolled in the VSP Vision Plan, you are eligible to take advantage of the 30% to 60% hearing aid discount offered through TruHearing. For information or to make an appointment call 866-929-7912 / For YYT, dial 711.

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Group Life/AD&D and Voluntary Life/AD&D15Please refer to the Guardian Booklet for plan details and age banded rates.TekSynap offers 100% Employer paid Basic Life and Accidental Death & Dismemberment Insurance to all eligible employees through Guardian. This benefit becomes effective on your date of hire.Basic Life/AD&DThe benefit is 1x your annual salary to $500,000 maximum. This benefit does not require any underwriting or Evidence of Insurability (EOI), all amounts of coverage are Guaranteed Issue (GI). Plan details: Benefit reduces at age 65 to 65%; and at age 70 to 50% Coverage is Portable and Convertible Terminal illness benefit is 75% of your basic life benefit with life expectancy of 12 months or less Beneficiary services to include financial, bereavement and legal counselingVoluntary Life/AD&DYou also have the option to purchase Voluntary Life/AD&D Insurance for yourself, spouse and children. Voluntary Life/AD&D insurance is 100% employee paid. Please refer to the Guardian Voluntary Life Benefit Summary for benefit details and age banded rates. If you enroll when you first become eligible, all amounts up to the Guarantee Issue (GI) amount do not require Evidence of Insurability (EOI). All amounts over the GI will require EOI and approval from Guardian before that coverage becomes effective. If you enroll after you are first eligible, all amounts of coverage will require EOI and approval from Guardian before the coverage becomes effective.Voluntary Life / AD&D BenefitsEmployee Spouse Child(ren)Benefit Amount Increments of $10,000 Increments of $5,000 Increments of $2,000Maximum Benefit $500,000$250,000(Not to exceed employee benefit)$10,000Guarantee Issue $350,000$50,000 $10,000Benefit Reduction ScheduleAt age 70 to 65%; age 75 to 45%; age 80 to 30%;age 85 to 20%;N/AAccelerated Life Benefit 75% of in force Life Benefit N/ADependent Eligibility Employee must enroll for spouse and/or children to enroll 14 days to age 26

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Short Term and Long Term Disability15As an eligible full-time employee, TekSynap provides 100% employer paid Short Term Disability and Long- Term Disability benefits to you through Guardian at no cost. In the event of an accident, sickness, or pregnancy, you will be paid the percentage of income replacement to the maximum benefit referenced below.Short Term Disability Long Term DisabilityCoverage Amount 60% of Salary 60% of SalaryMaximum Benefit $3,500 Weekly maximum $15,000 Monthly maximumWaiting Period7 Days for Accident 14 Days for Illness 0 Days for Pregnancy90 DaysBenefits Maximum Duration 13 WeeksSocial Security Normal Retirement Age (SSNRA)Survivor Benefit N/A 3 monthsTo file a STD claim call Guardian at 888-262-5670. Other questions? Guardian is available to help Monday through Friday 8am to 8pm (EST) at 800-538-4583. Short Term claims are easy submitted through TeleGuard – One call is all it takes!• Call Guardian’s in-house TeleGuard intake unit to initiate your claim at 888-262-5670• Have personal information, as well as your physician’s contact information, ready before you call • Your Guardian Claim Team will contact your employer and physician for any needed information and will contact you when a claim decision is made.

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Guardian’s Employee Assistance Program, WorkLifeMatters, is provided at no cost to you. These EAP services are provided to you, and your immediate family members, to provide guidance on personal, financial and legal matters. Consultative Services  Face-to-face counseling Up to 3 visits per employee/household member per issue, per year Telephonic counseling Unlimited, 24/7 consultations with master’s and doctoral-level counselors BereavementSupport available through telephonic or face-to-face sessions; online resources on EAP website Online modules and coaching Learn, develop, and practice new skills to improve mental fitness; includes a well-being check, online modules selected specifically for you, and up to 3 coaching sessionsWork-life Assistance and Resources Work-life services Unlimited 24/7 access to work-life specialists (subject matter experts) in the areas of family and care giving, health and wellness, emotional well-being, balancing work and life responsibilities  Child and elder care referral Unlimited telephonic consultation with a work-life specialist Employee discountsAccess to discounts on many products and services, from gym memberships to dental, vision and pharmacy items, entertainment, restaurants, computers, and much moreLegal and Financial Assistance and Resources Legal consultation Unlimited telephonic support and free initial 30-minute face-to-face consultation with an attorney, with a 25% discount on attorney services thereafter; and online legal forms Financial consultation Unlimited telephonic support for financial problems or planning needs; 30 days of financial coaching; extensive online financial library and calculators Tax consultation Tax questions only can be answered as part of the financial consultation offering  Will preparation Visit: willprep.uprisehealth.com Username: WillPrep Password: GLIC09 For more information or support, you can reach out by phoning 800-433-6789Guardian Employee Assistance Program Contact Guardian Employee Assistance Program toll free 24/7 at 800-386-7055, orworklife.uprisehealth.comAccess code: worklife17

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Planning for future medical expenses and putting money in a health flexible spending account (FSA) will help you save on taxes. You will also keep a reserve of money available, that you can use at the time of service. The main advantage of FSA funds is that you can pay for qualifying expenses tax- free.Healthcare FSAThis program allows employees to pay for certain IRS-approved medical, dental, vision, and prescription expenses not covered by your insurance plan with pre-tax dollars. The annual maximum amount for 2023 you may contribute to the Health Care FSA is $3,050 per calendar year. If you and your spouse are both enrolled in your employer’s health FSA, you each may elect up to the $3,050 maximum.Note: You can rollover $610 for the Medical FSA into the next plan year. Any funds over the rollover maximum will be forfeited.Examples of Covered Expenses Include: Hearing services, including hearing aids and batteries Vision services including contact lenses, contact lens solution, eye examinations and eyeglasses Dental services and orthodontia Chiropractic servicesDependent Care FSAThe Dependent Care FSA allows employees to use pre-tax dollars towards qualified dependent care expenses for children under age 13 who are claimed as a dependent for tax purposes or caring for a disabled spouse or disabled dependent of any age. To be eligible for this type of account, both you and your spouse (if applicable) must work, be looking for work or be full-time students.The annual maximum amount you may contribute to the Dependent Care FSA is $5,000, (or $2,500 if married and filing separately), per calendar year. If both you and your spouse work, you must coordinate your dependent care enrollments so that together, your total contributions do not exceed the $5,000 annual maximum.Examples of eligible expenses include: The cost of child or adult dependent care, in or outside of your home (excluding services provided by one of your dependents) Nursery schools and Preschools (excluding Kindergarten)Transit and Parking FSAThe Transit FSA allows you to pre-tax expenses for work related parking and transportation costs. The maximum monthly pre-taxable allowance is $300 for parking and $300 for transit.When calculating contributions, IRS limits are based on a calendar year.Flexible Spending Account (FSA)For the 2023 calendar year, an individual can contribute up to $3,050 to a Healthcare FSA. The Dependent Care FSA contribution maximum is $5,000.18

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Saving for College & Student Loan Repayment19Another way TekSynap supports our valued employees!As a highly valued employee of TekSynap, you will receive a matching contribution, up to $1,000 each year, towards your own contributions to a 529 Plan OR a Student Loan Repayment Plan.Matching Contributions to Your 529 PlanParticipation in a 529 College Savings Plan iseasier than you think! Through the TekSynapplan with SOFI, you can set-up payroll based contributions to your 529 plan, and TekSynap willmatch your contributions, up to $1,000 per plan year.What are the benefits of a 529 Plan?1. A huge incentive to save for college! While contributions are not deductible, earnings in a 529 plan grow federal tax-free and will not be taxed when the money is withdrawn to pay for college.2. In addition federal tax savings opportunities, many states now offer a full or partial tax deduction or credit for 529 plan contributions.3. As a contributor to the 529 account, you have complete control! The named beneficiary has no legal rights to the funds in a 529 account, so you can be assured the funds will be used for their intended purpose.4. A very hands-off way to save for education bymaking “set it and forget it” payrolldeductions.Student Loan AssistanceAre you one of the 60% of graduates that have student loan debt? Is this liability preventing you from purchasing a better car? A home? Or, even starting a family?Let us help you!TekSynap will match your payroll based payments, up to $1,000 each year, through the student loan repayment plan brought to you by SOFI.Employer contributions can have a strong impact in reducing the time it will take to payoff the loan, resulting in substantial interest savings for you!Enrolling is easy!Visit the LEAF Portal: https://portal.leafsavings.com/teksynap Company Code: teksynap Authorization Code: lightspeedYou will be prompted to: Create a LEAF Account Enter the name of the 529 plan beneficiary Enter 529 Plan Information (leave employee ID blank) Choose your per pay period contributionQuestions? Please contact support@leafsavings.com

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The TekSynap 401(k) Plan20TekSynap offers a 401k Plan, with up to 5% salary match with no vesting period. There is a dollar for dollar match up to 4% and maximum match of 5% with a 6% contribution. TekSynap has partnered with ADP Retirement Services to offer our valued employees an array of services and benefits that will make it easier to save for your retirement goals. Easy Account Access via Internet and Phone You may access your account 24 hours a day, 7 days a week through your ADP account. Go to: ADP > Myself > Benefit > Retirement Savings You can also speak to an Employee Service Representative, Monday through Friday, 8:00 AM to 9:00 PM, EST, by calling 1-866-695-7526. Call 1-866-695-7529 to speak with a Service Representative Customer Service hours daily from 8 AM to 9 PM You can access your account anytime: www.mykplan.com A Wide Range of Investment Options – You choose how to invest your savings! Online Investment Guidance Our plan will provide you with a wealth of retirement planning information and interactive retirement planning calculators. Through the ADP Participant Website, you will also have access to easy-to-use online investment guidance retirement planning tools. Employees are eligible to participate in the 401(k) plan within 30 days from their start date. Employees can select their contribution amount by going to their ADP account and navigating to Myself>Benefits>Retirement Savings. The contribution amount can be changed at any time.

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Pet InsurancePet Benefit Plan from PetAssure and PETPlusYou can select to enroll in Pet Assure, PETPlus or both!Pet Assure Veterinary Discount PlanSave on all in-house medical services at participating veterinarians including: Office Visits Vaccinations Dental Procedures Emergency Visits And More! 24/7 Lost Pet Recovery Service is included! Receive an instant 25% discount every time you visit the vet! All pets are eligible – there are no exclusions on breed, age, or pre-existing and hereditary conditions. $8.00/month for one pet, or $11.00/month for family plan. Visit www.petassure.com/search to locate a participating veterinarian.PETplus Prescription Savings Plan $3.75/month for one cat or dog, or $7.50/month for all cats and dogs in your home! Save on brand-name prescriptions and preventatives. You can shop online or on the PETplus app, and shipping is always FREE! Most prescriptions are available for pick-up at Caremark pharmacies nationwide, including CVS, Target and Walmart.Save On: ■ Prescriptions ■ Flea & Tick Products ■ Dietary Foods ■ Heartworm PreventativesCheck out our 24/7 Pet Help Line powered by whiskerDocs veterinary experts!Call 800.891.2565GIVE YOUR PETS THE CARE THEY DESERVE!22

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TRICARE Supplemental InsuranceEmployees must be eligible for TRICARE to qualify for the TRICARE Supplemental These are typically employees who have given at least 20 years of military service, who are not eligible for Medicare and under age 65. Military retirees, retired reservists, their spouses, and dependent children can be covered by TRICARE + TRICARE Supplemental Insurance subject to eligibility.Plan Highlights: Employee must be eligible for: TRICARE Select, TRICARE Prime or Retired Reserves Must not be eligible for Medicare and under age 65 No pre-existing condition limitation clause Guaranteed issue and covers cost shares/copayments including Rx in excess of what TRICARE leaves behind Offered on a pre-tax basis through payroll deductions Fully portable if employment ends Low monthly premiums: Employee - $67.50 Employee + Spouse - $132.50 Employee + Child(ren) - $132.50 Family - $178.50Once enrolled, log into the SelmanCo website: www.selmanco.com/eService to view personal profile, coverage information and make non-financial changes.SelmanCo Member Services phone number is 800-638-2610 (option 1) or contact them via Email at memberservices@slemanco.com. WE ARE PROUD TO SUPPORT OUR VETERANS!25

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Mandatory Notices27NOTICE ON PATIENT PROTECTIONSThe medical HMO plan generally allows the designation of a primary care provider. You have the right to designate any primary care provider who participates in the network and who is available to accept you or your family members. Until you make this designation, the medical carrier designates one for you. For information on how to select a primary care provider, and for a list of the participating primary care providers, contact the medical insurance carrier at the number listed on your identification card.For children, you may designate a pediatrician as the primary care provider. You do not need prior authorization from the medical insurance carrier or from any other person (including a primary care provider) in order to obtain access to obstetrical or gynecological care from a health care professional in the network who specializes in obstetrics or gynecology. The health care professional, however, may be required to comply with certain procedures, including obtaining prior authorization for certain services, following a pre-approved treatment plan, or procedures for making referrals. For a list of participating health care professionals who specialize in obstetrics or gynecology, contact the medical insurance carrier at the number listed on your identification card.WOMEN’S HEALTH AND CANCER RIGHTS ACT OF 1998If 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; and• Treatment of physical complications of the mastectomy, including lymphedema.These benefits will be provided subject to the same deductibles and coinsurance applicable to other medical and surgical benefits provided under this plan. If you would like more information on WHCRA benefits, call your plan administrator.HIPAA 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 you or your dependents' other coverage). However, you must request enrollment within 30 days after you or your dependents' other coverage ends (or after the employer stops contributing toward the other coverage).If you have a new dependent as a result of marriage, birth, adoption, or placement for adoption, you may be able to enroll yourself and your dependents. However, you must request enrollment within 30 days after the marriage, birth, adoption, or placement for adoption.If you decline enrollment for yourself or for an eligible dependent (including your spouse) while Medicaid coverage or coverage under a state children's health insurance program is in effect, you may be able to enroll yourself and your dependents in this plan if you or your dependents lose eligibility for that other coverage. However, you must request enrollment within 60 days after you or your dependents' coverage ends under Medicaid or a state children's health insurance program.If you or your dependents (including your spouse) become eligible for a state premium assistance subsidy from Medicaid or through a state children's health insurance program with respect to coverage under this plan, you may be able to enroll yourself and your dependents in this plan. However, you must request enrollment within 60 days after your or your dependents' determination of eligibility for such assistance.COBRA CONTINUATION OF COVERAGE AVAILABILITYUnder the federal law, known as COBRA, you and your dependents may continue medical, dental, vision, a Health Care Spending Account, and a Limited Health Care Spending Account if coverage ends to either a reduction in the number of hours you work or a termination of your employment for any reason other than gross misconduct. Your dependents may continue their medical, dental and vision coverage under this plan if their coverage ends for any of the following reasons:your death, your becoming entitled to Medicare, your divorce, annulment, or legal separation, provided the company is notified within 60 days. The cost of Cobra is paid by the former employee in full. Please be advised,, this is not a complete description of all COBRA-related provisions. You should consult your SPD for more details.

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Your Rights and Protections Against Surprise Medical Bills When you get emergency care or get treated by an out-of-network provider at an in-network hospital or ambulatory surgical center, you are protected from surprise billing or balance billing. What is “balance billing” (sometimes called “surprise billing”)? When you see a doctor or other health care provider, you may owe certain out-of-pocket costs, such as a copayment, coinsurance, and/or a deductible. You may have other costs or have to pay the entire bill if you see a provider or visit a health care facility that isn’t in your health plan’s network.“Out-of-network” describes providers and facilities that haven’t signed a contract with your health plan. Out-of-network providers may be permitted to bill you for the difference between what your plan agreed to pay and the full amount charged for a service. This is called “balance billing.” This amount is likely more than in-network costs for the same service and might not count toward your annual out-of-pocket limit. “Surprise billing” is an unexpected balance bill. This can happen when you can’t control who is involved in your care—like when you have an emergency or when you schedule a visit at an in-network facility but are unexpectedly treated by an out-of-network provider. You are protected from balance billing for: Emergency services If you have an emergency medical condition and get emergency services from an out-of-network provider or facility, the most the provider or facility may bill you is your plan’s in-network cost-sharing amount (such as copayments and coinsurance). You can’t be balance billed for these emergency services. This includes services you may get after you’re in stable condition, unless you give written consent and give up your protections not to be balanced billed for these post-stabilization services.Certain services at an in-network hospital or ambulatory surgical center When you get services from an in-network hospital or ambulatory surgical center, certain providers there may be out-of-network. In these cases, the most those providers may bill you is your plan’s in-network cost-sharing amount. This applies to emergency medicine, anesthesia, pathology, radiology, laboratory, neonatology, assistant surgeon, hospitalist, or intensivist services. These providers can’t balance bill you and may not ask you to give up your protections not to be balance billed. If you get other services at these in-network facilities, out-of-network providers can’t balance bill you, unless you give written consent and give up your protections. You’re never required to give up your protections from balance billing. You also aren’t required to get care out-of-network. You can choose a provider or facility in your plan’s network.When balance billing isn’t allowed, you also have the following protections:• You are only responsible for paying your share of the cost (like the copayments, coinsurance, and deductibles that you would pay if the provider or facility was in-network). Your health plan will pay out-of-network providers and facilities directly. • Your health plan generally must: o Cover emergency services without requiring you to get approval for services in advance (prior authorization). o Cover emergency services by out-of-network providers. o Base what you owe the provider or facility (cost-sharing) on what it would pay an in-network provider or facility and show that amount in your explanation of benefits.o Count any amount you pay for emergency services or out-of-network services toward your deductible and out-of-pocket limitIf you believe you’ve been wrongly billed, you may contact your medical provider customer services information on the back of your ID card. 28

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Notice of Privacy Practices29OUR PLEDGE TO YOUThis notice is intended to inform you of the privacy practices followed by the TekSynap Employee Benefit Plan (the Plan) and the Plan’s legal obligations regarding your protected health information under the Health Insurance Portability and Accountability Act of 1996 (HIPAA). The notice also explains the privacy rights you and your family members have as participants of the Plan. It is effective on April 14, 2011.The Plan often needs access to your protected health information in order to provide payment for health services and perform plan administrative functions. We want to assure the plan participants covered under the Plan that we comply with federal privacy laws and respect your right to privacy. TekSynap requires all members of our workforce and third parties that are provided access to protected health information to comply with the privacy practices outlined in this notice.PROTECTED HEALTH INFORMATIONYour protected health information is protected by the HIPAA Privacy Rule. Generally, protected health information is information that identifies an individual created or received by a health care provider, health plan or an employer on behalf of a group health plan that relates to physical or mental health conditions, provision of health care, or payment for health care, whether past, present or future.HOW WE MAY USE YOUR PROTECTED HEALTH INFORMATIONUnder the HIPAA Privacy Rule, we may use or disclose your protected health information for certain purposes without your permission. This section describes the ways we can use and disclose your protected health information.• PAYMENT. We use or disclose your protected health information without your written authorization in order to determine eligibility for benefits, seek reimbursement from a third party, or coordinate benefits with another health plan under which you are covered. For example, a health care provider that provided treatment to you will provide us with your health information. We use that information in order to determine whether those services are eligible for payment under our group health plan.• HEALTH CARE OPERATIONS. We use and disclose your protected health information in order to perform plan administration functions such as quality assurance activities, resolution of internal grievances, and evaluating plan performance. For example, we review claims experience in order to understand participant utilization and to make plan design changes that are intended to control health care costs.• TREATMENT. Although the law allows use and disclosure of your protected health information for purposes of treatment, as a health plan we generally do not need to disclose your information for treatment purposes. Your physician or health care provider is required to provide you with an explanation of how they use and share your health information for purposes of treatment, payment, and health care operations.• As permitted or required by law. We may also use or disclose your protected health information without your written authorization for other reasons as permitted by law. We are permitted by law to share information, subject to certain requirements, in order to communicate information on health-related benefits or services that may be of interest to you, respond to a court order, or provide information to further public health activities (e.g., preventing the spread of disease) without your written authorization. We are also permitted to share protected health information during a corporate restructuring such as a merger, sale, or acquisition. We will also disclose health information about you when required by law, for example, in order to prevent serious harm to you or others.• PURSUANT TO YOUR AUTHORIZATION. When required by law, we will ask for your written authorization before using or disclosing your protected health information. If you choose to sign an authorization to disclose information, you can later revoke that authorization to prevent any future uses or disclosures.• TO BUSINESS ASSOCIATES. We may enter into contracts with entities known as Business Associates that provide services to or perform functions on behalf of the Plan. We may disclose protected health information to Business Associates once they have agreed in writing to safeguard the protected health information. For example, we may disclose your protected health information to a Business Associate to administer claims. Business Associates are also required by law to protect protected health information.

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Notice of Privacy Practices (continued)30YOUR RIGHTS• RIGHT TO INSPECT AND COPY. In most cases, you have the right to inspect and copy the protected health information we maintain about you. If you request copies, we will charge you a reasonable fee to cover the costs of copying, mailing, or other expenses associated with your request. Your request to inspect or review your health information must be submitted in writing to the person listed below. In some circumstances, we may deny your request to inspect and copy your health information. To the extent your information is held in an electronic health record, you may be able to receive the information in an electronic format.• RIGHT TO AMEND. If you believe that information within your records is incorrect or if important information is missing, you have the right to request that we correct the existing information or add the missing information. Your request to amend your health information must be submitted in writing to the person listed below. In some circumstances, we may deny your request to amend your health information. If we deny your request, you may file a statement of disagreement with us for inclusion in any future disclosures of the disputed information.• RIGHT TO AN ACCOUNTING OF DISCLOSURES. You have the right to receive an accounting of certain disclosures of your protected health information. The accounting will not include disclosures that were made (1) for purposes of treatment, payment or health care operations; (2) to you; (3) pursuant to your authorization; (4) to your friends or family in your presence or because of an emergency; (5) for national security purposes; or (6) incidental to otherwise permissible disclosures.

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Premium Assistance Under Medicaid and the Children’s Health Insurance Program (CHIP)If you or your children are eligible for Medicaid or CHIP and you’re 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 children aren’t eligible for Medicaid or CHIP, you won’t 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 www.healthcare.gov.If you or your dependents are already enrolled in Medicaid or CHIP and you live in a State listed below, contact your State 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 Medicaid or CHIP office or dial 1-877-KIDS NOW or www.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 aren’t already 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 plan, contact the Department of Labor at www.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 January 1, 2023. Contact your State for more information on eligibility –31ALABAMA – Medicaid FLORIDA – MedicaidWebsite: http://myalhipp.com/ Phone: 1-855-692-5447Website: http://flmedicaidtplrecovery.com/hipp/ Phone: 1-877-357-3268ALASKA – Medicaid GEORGIA – MedicaidThe AK Health Insurance Premium Payment Program Website: http://myakhipp.com/Phone: 1-866-251-4861Email: CustomerService@MyAKHIPP.com Medicaid Eligibility:http://dhss.alaska.gov/dpa/Pages/medicaid/default.aspxWebsite: http://dch.georgia.gov/medicaid- Click on Health Insurance Premium Payment (HIPP) Phone: 404-656-4507ARKANSAS – Medicaid INDIANA – MedicaidWebsite: http://myarhipp.com/Phone: 1-855-MyARHIPP (855-692-7447)Healthy Indiana Plan for low-income adults 19-64 Website: http://www.in.gov/fssa/hip/Phone: 1-877-438-4479All other MedicaidWebsite: http://www.indianamedicaid.com Phone 1-800-403-0864COLORADO – Health First Colorado (Colorado’s Medicaid Program) & Child Health Plan Plus (CHP+)IOWA – MedicaidHealth First Colorado Website: https://www.healthfirstcolorado.com/Health First Colorado Member Contact Center: 1-800-221-3943/ State Relay 711CHP+: Colorado.gov/HCPF/Child-Health-Plan-Plus CHP+ Customer Service: 1-800-359-1991/State Relay 711Website:http://dhs.iowa.gov/ime/members/medicaid-a-to-z/hipp Phone: 1-888-346-9562

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KANSAS – Medicaid NEW HAMPSHIRE – MedicaidWebsite: http://www.kdheks.gov/hcf/ Phone: 1-785-296-3512Website: https://www.dhhs.nh.gov/ombp/nhhpp/ Phone: 603-271-5218Hotline: NH Medicaid Service Center at 1-888-901-4999KENTUCKY – Medicaid NEW JERSEY – Medicaid and CHIPWebsite: http://chfs.ky.gov/dms/default.htm Phone: 1-800-635-2570Medicaid Website: http://www.state.nj.us/humanservices/ dmahs/clients/medicaid/Medicaid Phone: 609-631-2392CHIP Website: http://www.njfamilycare.org/index.html CHIP Phone: 1-800-701-0710LOUISIANA – Medicaid NEW YORK – MedicaidWebsite: http://dhh.louisiana.gov/index.cfm/subhome/1/n/331 Phone: 1-888-695-2447Website: https://www.health.ny.gov/health_care/medicaid/ Phone: 1-800-541-2831MAINE – Medicaid NORTH CAROLINA – MedicaidWebsite: http://www.maine.gov/dhhs/ofi/public- assistance/index.htmlPhone: 1-800-442-6003TTY: Maine relay 711Website: https://dma.ncdhhs.gov/ Phone: 919-855-4100MASSACHUSETTS – Medicaid and CHIP NORTH DAKOTA – MedicaidWebsite: http://www.mass.gov/eohhs/gov/departments/masshealth/ Phone: 1-800-862-4840Website: http://www.nd.gov/dhs/services/medicalserv/medicaid/ Phone: 1-844-854-4825MINNESOTA – Medicaid OKLAHOMA – Medicaid and CHIPWebsite: http://mn.gov/dhs/people-we-serve/seniors/health-care/health-care-programs/programs-and-services/medical-assistance.jspPhone: 1-800-657-3739Website: http://www.insureoklahoma.org Phone: 1-888-365-3742MISSOURI – Medicaid OREGON – MedicaidWebsite: https://www.dss.mo.gov/mhd/participants/pages/hipp.htm Phone: 573-751-2005Website: http://healthcare.oregon.gov/Pages/index.aspxhttp://www.oregonhealthcare.gov/index-es.htmlPhone: 1-800-699-9075MONTANA – Medicaid PENNSYLVANIA – MedicaidWebsite: http://dphhs.mt.gov/MontanaHealthcarePrograms/HIPP Phone: 1-800-694-3084Website: http://www.dhs.pa.gov/provider/medicalassistance/healthi nsurancepremiumpaymenthippprogram/index.htm Phone: 1-800-692-7462NEBRASKA – Medicaid RHODE ISLAND – MedicaidWebsite: http://www.ACCESSNebraska.ne.gov Phone: (855) 632-7633Lincoln: (402) 473-7000Omaha: (402) 595-1178Website: http://www.eohhs.ri.gov/ Phone: 855-697-4347NEVADA – Medicaid SOUTH CAROLINA – MedicaidMedicaid Website: https://dhcfp.nv.gov Medicaid Phone: 1-800-992-0900Website: https://www.scdhhs.gov Phone: 1-888-549-082032

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SOUTH DAKOTA - Medicaid WASHINGTON – MedicaidWebsite: http://dss.sd.gov Phone: 1-888-828-0059Website: http://www.hca.wa.gov/free-or-low-cost-health-care/program-administration/premium-payment-program Phone: 1-800-562-3022 ext. 15473TEXAS – Medicaid WEST VIRGINIA – MedicaidWebsite: http://gethipptexas.com/ Phone: 1-800-440-0493Website: http://mywvhipp.com/Toll-free phone: 1-855-MyWVHIPP (1-855-699-8447)UTAH – Medicaid and CHIP WISCONSIN – Medicaid and CHIPMedicaid Website: https://medicaid.utah.gov/ CHIP Website: http://health.utah.gov/chip Phone: 1-877-543-7669Website: https://www.dhs.wisconsin.gov/publications/p1/p10095.p dfPhone: 1-800-362-3002VERMONT– Medicaid WYOMING – MedicaidWebsite: http://www.greenmountaincare.org/ Phone: 1-800-250-8427Website: https://wyequalitycare.acs-inc.com/ Phone: 307-777-7531VIRGINIA – Medicaid and CHIPMedicaid Website: http://www.coverva.org/programs_premium_assistance. cfmMedicaid Phone: 1-800-432-5924 CHIP Website:http://www.coverva.org/programs_premium_assistance. cfmCHIP Phone: 1-855-242-828233To see if any other states have added a premium assistance program since January 1, 2023, or for more information on special enrollment rights, contact either:U.S. Department of LaborEmployee Benefits Security Administrationwww.dol.gov/agencies/ebsa1-866-444-EBSA (3272)U.S. Department of Health and Human Services Centers for Medicare & Medicaid Serviceswww.cms.hhs.gov1-877-267-2323, Menu Option 4, Ext. 61565Paperwork Reduction Act StatementAccording to the Paperwork Reduction Act of 1995 (Pub. L. 104-13) (PRA), no persons are required to respond to a collection of information unless such collection displays a valid Office of Management and Budget (OMB) control number. The Department notes that a Federal agency cannot conduct or sponsor a collection of information unless it is approved by OMB under the PRA, and displays a currently valid OMB control number, and the public is not required to respond to a collection of information unless it displays a currently valid OMB control number. See 44 U.S.C. 3507. Also, notwithstanding any other provisions of law, no person shall be subject to penalty for failing to comply with a collection of information if the collection of information does not display a currently valid OMB control number. See 44 U.S.C. 3512.The public reporting burden for this collection of information is estimated to average approximately seven minutes per respondent. Interested parties are encouraged to send comments regarding the burden estimate or any other aspect of this collection of information, including suggestions for reducing this burden, to the U.S. Department of Labor, Employee Benefits Security Administration, Office of Policy and Research, Attention: PRA Clearance Officer, 200 Constitution Avenue, N.W., Room N-5718, Washington, DC 20210 or email ebsa.opr@dol.gov and reference the OMB Control Number 1210- 0137.

TekSynap 2023 Benefits Guide

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