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EMPLOYEE BENEFITSGUIDE2024 - 2025An overview of the wide array of benefits provided byWells Global to help you enjoy increased well-being and financial security.

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024- 2025 Wells GlobalAs an employee of Wells Global, enjoying your work and making valuable contributions to business are equally vital. The health, satisfaction and security of you and your family are important, not only to your well-being, but ultimately, in terms of achieving the goals of our organization.For the 2024-2025 plan year, Wells Global has worked hard to offer a competitive total rewards package that includes valuable and competitive benefit plans. These programs reflect our commitment to keeping our staff healthy and secure. We understand that your situation is unique, and Wells Global is offering an overall benefits package that can be shaped and molded by you to fit your needs.This benefits booklet is a summary description of your Wells Global benefit plans. If there is a discrepancy between these summaries and the written legal plan documents, the plan documents shall prevail. This booklet and plan summaries do not constitute a contract of employment.We hope this benefits booklet, along with our additional communication and decision-making tools, will help you make the best health care choices for you and your family.INTRODUCTIONEligibility & EnrollmentAs a full-time employee working 30+ hours/week you are eligible for benefits. You can enroll or make changes during our annual enrollment period or within 30 days if you experience a qualifying life event during the year. A Qualifying Life Event includes changes in marital status, employment status, birth or adoption of a child, death of a dependent, entitlement to Medicaid or Medicare, loss of other coverage or eligibility of dependents.Benefits Begin 1st of the month following 30 daysBenefits EndEnd of contract month following termination, with the exception of voluntary lifeDependents Your legal spouse, dependent children up to age 26Domestic Partner Same sex

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024- 2025 Wells GlobalAnnual Deductible - The amount you must pay each year before the plan starts paying a portion of medical expenses. All family members’ expenses that count toward a health plan deductible accumulate together in the aggregate; however, each person also has a limit on their own individual accumulated expenses (the amount varies by plan).Copays and Coinsurance - These expenses are your share of cost paid for covered health care services. Copays are a fixed dollar amount and are usually due at the time you receive care. Coinsurance is your share of the allowed amount charged for a service and is generally billed to you after the health insurance company reconciles the bill with the provider.Out-of-Pocket Maximum - This is the total amount you can pay out of pocket each calendar year before the plan pays 100 percent of covered expenses for the rest of the calendar year. Most expenses that meet provider network requirements count toward the annual out-of-pocket maximum, including expenses paid to the annual deductible, copays and coinsurance. High Deductible Health Plan (HDHP) – An HDHP is a type of insurance plan that offers a low premium offset by a high deductible. Because of the low cost of the plan, the insurer will not cover most medical expenses until the deductible is met. As an exception, preventive care services are typically covered before the deductible is met. HDHPs are often designed to be compatible with heath savings accounts (HSAs), which are tax-advantaged accounts that can be used to pay for qualified out-of-pocket medical expenses before the HDHP’s deductible is met.Health Savings Account (HSA) – An individually owned account that lets an individual save pre-tax dollars for future qualified medical expenses. Examples of qualified health expenses include flu shots, prescriptions, x-rays, allergy medicines, Orthodontia, and more. Please visit www.healthequity.com/hsa-qme for more information.MEDICAL PLAN INFORMATION

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024- 2025 Wells GlobalComparison of PlansCoverage Provided by Blue Cross of NCIn-Network Blue Options PPO 3500 Blue HDHP 3500Benefit Period Plan Year: 9/1 – 8/31 Plan Year: 9/1 – 8/31Deductibles (Individual / Family) $3,500/$7,000 $3,500/$7,000Preventive Care Covered in fullCovered in fullPrimary Care Visit$25 Copay*Register your PCP in Blue Connect and copay is waived for 1st three visits20% after deductibleSpecialist Visit $50 Copay 20% after deductibleTelehealth via Teladoc $10 Copay 20% after deductibleUrgent Care $50 Copay 20% after deductibleEmergency Room $500 Copay 20% after deductibleOutpatient Procedure 20% after deductible20% after deductibleInpatient Visit 20% after deductible20% after deductibleFormulary: NetResultsPharmacy / RX (30 Day Supply)Tiers 1-5$15/$45/$85/$105/25%max of $20020% after deductibleOut-of-Pocket Max (Individual / Family)$5,000/$10,000 $7,000/$14,000MEDICALThe chart below is an overview of the In-Network benefits. Out-of-Network benefits are available for both of these plans. Please review your BCBSNC plan documents for additional details.

This booklet provides only a summary of your benefits. All services described within are subject to the definitions,limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024- 2025 Wells GlobalPricing Per Pay Period Blue Options PPO 3500 Blue HDHP 3500Employee $0.00 $0.00Employee + Spouse $441.74 $347.54Employee + Children $207.90 $163.56Employee + Family $608.25 $478.53Your Medical Cost: Pay Period (24)Pricing Per Pay Period Blue Options PPO 3500 Blue HDHP 3500Employee $0.00 $0.00Employee + Spouse $220.87 $173.77Employee + Children $103.95 $81.78Employee + Family $304.13 $239.27Your Medical Cost: Pay Period (48) 

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 Wells GlobalA health savings account (HSA) is a health care account and savings account in one. HSA helps offset the cost of a HDHP while saving for your out-of-pocket eligible health care expenses. The HSA is your personal bank account and can be used for you and your dependents now and in the future.Why Is It A Good Idea To Have An HSA?HSAs benefit everyone who are eligible to have this account, including single individuals, families and soon-to-be retirees. You save money on taxes in three ways:• Tax-Free Deposits: The money you contribute to your HSA isn't taxed (up to the IRS annual limit)• Tax-Free Earnings: Your interest and any investment earnings grow tax-free• Tax-Free Withdrawals: The money used toward eligible health care expenses isn't taxed now or in the futureSetting aside pre-tax dollars into your HSA means you pay fewer taxes and increase your take-home pay by your tax savings. You save money on eligible expenses that you are paying for out of your pocket. The amount you save depends on your tax bracket. For example, if you are in the 30% tax bracket, you can save $30 on every $100 spent on eligible health care expenses.HSA funds roll over from year to year and accumulate in your account. There is no "use-it-or-lose-it" rule with HSAs, and you decide how and when to use your HSA funds, which can be used for eligible expenses you have now, in the future, or during retirement. Also, when you have a certain balance in your HSA, investment opportunities are available.Who is Eligible?You are eligible to contribute to an HSA if:• You are enrolled in a qualified HDHP• You are not enrolled in a copay plan such as a spouse’s non-HDHP, Medicare, Medicaid or Tri-Care• You or your spouse is not enrolled in a full purpose Health Care Flexible Spending AccountRefer to your HSA documentation for more information.HSA Contribution from Employer and IRS LimitsFor the 2024-25 plan year, Wells Global will contribute $600 to your HSA account. You can also contribute to your HSA bank on a pre-tax basis through payroll deductions up to the IRS statutory maximums. These maximums include employer contributions. The IRS has established the following maximum HSA contributions:2024 Tax Year 2025 Tax Year$4,150 Individual / $8,300 Family $4,300 Individual / $8,550 FamilyIf you are age 55 and over, you may contribute an extra $1,000 catch-up contribution. HEALTH SAVINGS ACCOUNT (HSA)

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024- 2025 Wells GlobalWellness and Health ManagementUnderstanding the full value of covered benefits allows you to take responsibility for maintaining good health and incorporating healthy habits into your lifestyle. Some examples include getting regular physical examinations, mammograms and immunizations. Through the plans offered by Wells Global, all covered individuals and family members are eligible to receive routine wellness services like these, at no cost; all copays, coinsurance, and deductibles are waived.Which Preventive Care Services Are Covered?The US Preventive Services Task Force maintains a regular list of recommended services that all Affordable Care Act (i.e., Health Care Reform) compliant insurance plans should cover at 100% for in-network providers. Below is a list of common services that are included in the plans offered this year:• Routine physical exam• Well baby and childcare• Well women visits• Immunizations• Routine bone density test• Routine breast exam• Routine gynecological exam• Screening for Gestational diabetes• Obesity screening and counseling• Routine digital rectal exam• Routine colonoscopy• Routine colorectal cancer screening• Routine prostate test• Routine lab procedures• Routine mammograms• Routine pap smear• Smoking cessation• Health education/counseling services• Health counseling for STDs and HIV • Testing for HPV and HIV• Screening/counseling for domestic violencePREVENTIVE CARE

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024- 2025 Wells GlobalEmployees and dependents enrolled in our medical have access to telemedicine through Teladoc. Telehealth provides acute and behavioral care 24 hours a day via phone or video by board-certified doctors and behavioral health specialist. Telehealth is a good option for minor health problems when you can’t see your regular doctor. It is also a convenient choice when you want to speak to a counselor or therapist. Some providers will also offer telehealth appointments. Check with your provider on the availability and cost.How Does Telehealth Work?Your virtual visit will take place via phone, video call on a laptop, tablet or cellphone; or through an app. The provider will ask you the same questions you'd be asked at an in-person visit and may recommend treatment based on their findings.What Can’t Telehealth Be Used For?• Life-threatening or emergency situations • Situations in which diagnostic care (e.g., blood work, imaging or lab tests) are required• Situations of severe illness or complex conditionsHow Do I Access Telehealth?There are 3 ways to access Teladoc:• Download the Teladoc mobile app• Go to Teladoc.com and click “Log in/Register”• Call 1-800-835-2362Refer to your plan documentation for more information.TELEHEALTHWhat Can Telemedicine Be Used For?General, non-life-threatening doctor's visits or consultations for acute care, such as:• Allergies• Cough, cold and flu• Diarrhea, nausea and vomiting• Ear problems• Insect bites• Sinus problems• Urinary problems• And moreBehavioral health issues such as:• Addictions• Anxiety• Depression• Grief and loss• Relationship issues• And more

This booklet provides only a summary of your benefits.  All services described within are subject to the definitions,limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024- 2025 Wells GlobalOur NexGen EAP program offers free and confidential assistance at no cost to you and your family members. This program is provided through a company called "eni".Benefits include:• Short-term counseling (up to 8 sessions of face-to-face, online or telephonic sessions per issue per year)• Health Advocacy • Unlimited Virtual Concierge Services• Financial resources• Legal support• Certified Life Coaching • Discounts on theme parks, hotels, shopping, and more!NexGen EAP provides barrier-free access to mental health professionals and life coaches via phone, video, web, text, and chat. Connect with one of our Life ServiceNavigators for assistance or effortlessly schedule an appointment on your ownthrough the NexGen EAP mobile app. Get support for a range of wellness needs,stress, anxiety, meditation, career development, relationship management, andmuch more.Health Advocates are available to provide benefits information and assistance navigating your health plan. They can also assist with healthcare claims and appealsmanagement, billing assistance, prescription information and costs, and healthcareprovider research.The Virtual Concierge Service features dedicated Personal Assistants available to provide you with research, referrals, or information on just about any topic includingtravel information, event planning, relocation, dining, entertainment, and more.The Wellness Program encompasses all areas of well-being from nutrition and fitness to relaxation and restoration. Submit a wellness request, schedule a call with aWellness Coach, or receive individualized wellnesstools and resources.ADVOCACY & EMPLOYEE ASSISTANCE PROGRAM (EAP)How to Get Started:Visit: www.nexgeneap.com  Call: 800.327.2255Download the Mobile App: NexGenEAP

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024- 2025 Wells GlobalSummary of CoverageCoverage Provided by SunLife In-NetworkAnnual Deductibles(Individual / Family)$50/$150Preventive Care Covered in fullBasic Procedures (extractions, fillings, etc.)80% after deductibleMajor Procedures(crowns, dentures, etc.)50% after deductibleCalendar Year Maximum Benefit $1,500DENTALBelow is a high-level summary of our dental benefits. While Out-of-Network coverage is available, using an In-Network provider will result in less out of pocket expenses. In-Network dentist cannot balance bill you for the amount over the allowable charges. Please review your plan documents for additional details.Pricing Per Pay Period Pay Period (48)Employee $0.00Employee + Spouse $9.23Employee + Children $18.14Employee + Family $27.36Your CostPricing Per Pay Period Pay Period (24)Employee $0.00Employee + Spouse $18.45Employee + Children $36.28Employee + Family $54.72

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024- 2025 Wells GlobalSummary of CoverageCoverage provided by SunLife In-NetworkVision Exam (Once per plan year) $10 CopayLenses (once per plan year) $25 CopayFrames (Once every 2 years) Up to $130, plus 20% discount on balance over allowanceElective Contact LensesUp to $60 (15% saving on fitting and evaluation) $130 allowanceVISIONOur vision coverage is provided by SunLife. Please review your plan documents for additional details.Pricing Per Pay Period Pay Period (48) Employee $2.13Employee + Spouse $4.27Employee + Children $4.69Employee + Family $6.82Your CostPricing Per Pay Period Pay Period (24)Employee $4.27Employee + Spouse $8.53Employee + Children $9.38Employee + Family $13.65

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024- 2025 Wells GlobalSummary of CoverageCoverage provided by SunLifePlan FeaturesEmployee Benefit Amount $25,000Maximum Benefit Amount $25,000AD&D Benefit $25,000Benefit Reductions begin at age 33% at age 70, then 50% at age 75Group life insurance coverage is an employer-sponsored safety net in case the worst happens, with no out-of-pocket costs to you. If you believe you need additional coverage, you may wish to enroll in voluntary life insurance as well. Employees must fill out an EOI form if they exceed the guaranteed issue amount.BASIC LIFE and AD&D INSURANCESummary of CoverageLife Benefit Employee Spouse DependentAmount $10,000 increments $10,000 increments$500 (age 14 days to six months), then $10,000 (14 days to age 26)Maximum Amount$300,000 or 5x annual earnings, whichever is lessLesser of $100,000 or 100% of Employee Amount$10,000Guarantee Issue (Newly Eligible Employees)Up to the max benefit $100,000$30,000 $10,000Benefits Reductions33% at age 70, 50% at age 7533% at age 70, 50% at age 75N/AVOLUNTARY LIFE and AD&D INSURANCE

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024- 2025 Wells GlobalSummary of CoverageCoverage provided by SunLifePlan Features Short Term Long TermCoverage Paid By Employee EmployerEmployee Benefit Amount 60% of covered earnings 60% of covered earningsMaximum Benefit Amount $500 weekly $5,000 monthlyElimination Period (Accident) 7 days 180 daysElimination Period (Sickness) 7 days 180 daysBenefit Duration 25 weeks SSNRADisability insurance is coverage that provides you with income protection should you be unable to work due to an injury or illness. With disability coverage, you are compensated for a portion of your lost income. Short-Term disability provides coverage in the near term, while Long-Term coverage is available for extended disabilities. DISABILITY INSURANCEPlease note, a pre-existing condition period may apply once you become covered. Please see policy for more information.

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024-2025Wells Global Voluntary Benefits are offered to assist employee's personal insurance needs. These programs are designed to fill the gaps in coverage such as your deductibles and co-insurance under your major medical.Voluntary BenefitsCritical Illness and Accident InsuranceThese plans pay a lump sum or per-incident benefit should a covered family member experience a covered illness or accident.Cancer IndemnityCancer Indemnity Insurance coverage provides a fixed benefit for the early detection, incidence and treatment of cancer as well as related expenses. Level 2 provides a greater range of benefits such as reconstructive surgery and immunotherapy. The employee selects the benefit level that best suits his or her needs and budget.

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2024 - 2025 Wells GlobalCarrier ResourcesBENEFIT CARRIER GROUP # PHONE NUMBER WEBSITEMedical BCBSNC 14175062 877-237-6275 www.bcbsnc.comDental SunLife 941807 800-786-5433 www.sunlife.com/usVision SunLife 941807 800-786-5433 www.sunlife.com/usLife SunLife 941807 800-786-5433 www.sunlife.com/usDisability SunLife 941807 800-786-5433 www.sunlife.com/usEAP NexGen - 800-327-2255 www.nexgeneap.comHSA Health Equity - 866-346-5800www.healthequity.comHow to access ID CardsBENEFIT CARRIER HOW TO ACCESSMedical BCBSNCPersonalized cards are issued and mailed to your home address;electronic copies can be accessed via www.bluecrossnc.com Dental SunLife Access online or through mobile appVision SunLife Access online or through mobile app

EMPLOYEE BENEFITS GUIDEPrepared By Sentinel Benefits Consulting | sentinelra.com2024 - 2025Wells Global