Symmons 2024/2025 Benefits Guide by Symmons Industries, Inc.

Welcome to Symmons!

We are excited that you have joined the Symmons Team! Throughout the recruitment process, your unique talents and skills stood out from the crowd. Congratulations on taking the next step in your career! We hope you’ll ask questions, challenge yourself and try new things. Creating an environment where people feel they can make a difference and impact the growth of Symmons is important to us. Together we will all reach new heights in the years to come.

Now that you have made the choice to join our team, let us tell you more about life at Symmons. We believe in providing our employees with an inspiring workplace which is empowering, rewarding and fun. Symmons is committed to adopting a diverse workforce and an inclusive workplace. We strive to treat all our team members with dignity and respect while cele-brating our differences. Our people-first strategy is focused on nurturing talent from within and ensuring all team members have a chance to pursue their goals and shape their own rewarding career. We are doing some exciting work here, and your talent, enthusiasm, and fresh prospective will be invaluable to us! At Symmons, we make things right. Integrity is at the core of everything we do, and it all starts with the right people. We wake up every day with the drive to continuously improve and make a difference in the world around us. People who value quality value Symmons.

We believe that your health and well-being is critical to be at your best. Symmons recognizes that benefits are important to you and your family. Each year we review and evaluate our benefit package to ensure we offer a comprehensive package designed to focus on your health, your family, and your financial well-being. This benefit guide provides information available from May 1, 2024 through April 30, 2025. Included you will find summary explanations of the benefits and their associated cost information. We encourage you to review each section and select benefit options that are right for you and in some cases your family members. Helping you understand the benefits offered by Symmons is important to us. If you have com-ments, questions, or other inquiries, please contact Human Resources.

Thank you for joining the Symmons Team. We look forward to the journey ahead.

Tim O’Keeffe CEO

The information contained in this summary should in no way be construed as a promise or guarantee of employment or benefits. The company reserves the right to modify, amend, suspend, or terminate any plan at any time for any reason. If there is a conflict between the information in this brochure and the actual plan documents or policies, the documents or policies will always govern. Complete details about the benefits can be obtained by reviewing current plan descriptions, contracts, certificates, policies and plan documents available from Human Resources. Contact information for all benefit insurance carriers can be found on page 35.

If you (and/or your dependents) have Medicare or will become eligible for Medicare in the next 12 months, a Federal law gives you more choices about your prescription drug coverage. Please see page 32 for more details.

This document is an outline of the coverage provided by the carrier(s), based on information provided by your company. It does not include all of the terms, coverage, exclusions, limitations, and conditions of the actual contract language. The policies and contracts themselves must be read for those details. Policy forms for your reference will be made available upon request. The intent of this document is to provide you with general information regarding the status of, and/or potential concerns related to, your current employee benefits environment. It does not necessarily fully address all of your specific issues. It should not be construed as, nor is it intended to provide, legal advice. Questions regarding specific issues should be addressed by your general counsel or an attorney who specializes in this practice area.

WELCOME WHO IS ELIGIBLE FOR BENEFITS?

Employees regularly scheduled to work a minimum of 30 hours per week are eligible to participate in all benefits. You also have the option to enroll your eligible dependents in most of these plans. Eligible dependents may include your spouse or your children. Part time employees are only eligible to participate in the 401(k) benefits.

WHEN CAN I MAKE CHANGES?

You can make benefit changes in three situations:

Qualifying Life Event

For most benefits you may only make changes to your elections during the year if you have a change due to a qualifying life event. Life events include: Marriage or divorce; Gain or loss of an eligible dependent for reasons such as birth, adoption, court order, disability, death, marriage, or reaching the dependent child age limit; Changes in your spouse’s employment affecting benefit eligibility; Changes in your spouse’s benefit coverage with another employer that affects benefit eligibility; or Changes in employee work status. The change to your benefit elections must be consistent with the life event. You have 30 days from the date of the life event to submit an enrollment change and documentation of the event to Human Resources. If no qualifying life event took place or if you did not notify Human Resources in a timely manner of the life event, you must wait until the next annual open enrollment period to make a change to your elections.

2) Open Enrollment

Open enrollment is the period each year to review your current benefit elections and make changes for the coming plan year. You can change plans as well as add or drop coverage provided to your dependents. Any changes made during open enrollment will be effective on May 1st and will remain in effect through April 30th, unless you experience a qualifying life event. Symmons Industries’ eligible benefit plans are set up to allow you to pay certain benefit premiums before any taxes are deducted from your pay; therefore you pay lower taxes. All qualifying premiums will automatically default to pre-tax status unless waived during open enrollment.

3) 401(k) and HSA Plans

Employees may enroll, change contributions, or stop contributions in the 401(k) and Health Savings Account (HSA) plans at any time during the plan year.

AVAILABILITY OF SUMMARY HEALTH INFORMATION

As an employee, the health benefits available to you represent a significant component of your compensation package. They also provide important protection for you and your family in the event of illness or injury. Your plan offers a series of health coverage options. Choosing a health coverage option is an important decision. To help you make an informed choice, your plan makes available a Summary of Benefits and Coverage (SBC), which summarizes important information about the health coverage options in a standard format, to help you compare the plans. The SBC is available on the web through the Enrollment Site. A paper copy is also available, free of charge, by calling 1-800-241-0803 toll-free.

FITNESS CENTER ONSITE

At Symmons we believe in supporting your mental and physical well-being. We are pleased to provide an on-site gym and shower facilities at our Braintree location. To ensure each team member is aware of the operations and safety guidelines, we request that a waiver be signed prior to your first use of the fitness center. Please reference our Employee Handbook for further information.

-Salaried Team Members Benefits Plan

- Administered by Blue Cross Blue Shield of Massachusetts, bluecrossma.com, 800-241-0803

Group Number: 2337481

About Your Benefits:

Symmons offers comprehensive health coverage through the Preferred Blue PPO Saver Plan. With the PPO plan, you have the flexibility to see any provider, but you pay less when you choose an in-network provider. When you enroll in the health plan, you automatically receive prescription drug coverage. If elected, your medical coverage begins on your date of hire.

$4,000

If you have coverage under another medical insurance plan, you may elect to “opt out” of the Symmons medical plan! You will receive $37.50 per pay period ($975 per year). Some exclusions will apply. on page 6

$2,000

MEDICAL PLAN

- Administered by Blue Cross Blue Shield of Massachusetts, bluecrossma.com, 800-241-0803

ADDITIONAL MEDICAL PLAN FEATURES

Weight-Loss Reimbursement

Your reward for healthy behavior: Receive up to $150 annually when you participate in a qualified weight-loss program. Receive reimbursement for:

• Hospital-based programs and Weight Watchers®’ in-person

• Weight Watchers online and other non-hospital programs (in-person or online) that combine healthy eating, exercise, and coaching sessions with certified health professionals such as nutritionists, registered dietitians, or exercise physiologists

To request reimbursement, fill out the form included in your eKit (and mail to the address shown on the form), or sign in to MyBlue to submit online at member.bluecrossma.com/login

Fitness Reimbursement

Your reward for health behavior: Save up to $150 annually for participating in a qualified fitness program. For details, call Member Service at 1-855-279-4179, Monday, Tuesday, Wednesday and Friday from 8am to 8pm ET, and Thursday from 9am to 5pm ET.

Flu Shots

COVID-19 means getting your flu shot is more important this year than ever. It will help keep you, your family, and community from getting sick. And it could keep you all out of the doctor’s office at a time when so many others may need critical care. Plus, getting your shot is no cost at an in-network provider and safe.

WELCOME

MEDICAL PLAN

- Salaried Team Members Benefits Plan

- Administered by Blue Cross Blue Shield of Massachusetts, bluecrossma.com, 800-241-0803

ADDITIONAL MEDICAL PLAN FEATURES, continued

WELL CONNECTION – TELEHEALTH: Doctors on Call on Your Device

Get convenient access to telehealth care by using the Well Connection platform.

• Get confidential care, remotely: Speak face to face with a doctor, in the privacy of your home1

• Therapy that comes to you: Talk to a licensed therapist – on your terms. It’s convenient and completely confidential.

• Highly experienced, highly rated: Qualified practitioners. Rated 4.8/5 stars and averaging 15 years of experience2.

Is a video doctor visit right for me?

Our doctors can do a lot over your tablet, laptop, or smartphone. Here’s how members are using this service:

“I’m not feeling well.”

Get care for:

• Cold and flu symptoms

• Fever

• Runny nose, sinus pain

• Cough, wheezing

• Sore throat

• Headaches and migraines

• Diarrhea

• Skin rash “I need emotional support.”

Talk to a therapist about:

• Depression and anxiety

• Substance use disorder

• Loss of a loved one

• Couples therapy

• Emotional trauma

• Stress

“My loved one is under the weather.” If they’re on your plan:

• Set up an appointment

• Get quick, expert family care

• Save time in your busy family schedule

Download the Well Connection App from the App Store or Google Play™, or go to wellconnection.com.

1 Medical services are available 24/7. Behavioral health visits must be made by appointment. If your local doctor in the Blue Cross Blue Shield of Massachusetts network offers covered services using live video visits through a service other than Well Connection, you’re still covered. This service is only available in the United States.

2 Source: American Well. AmWell TeleHealth Report, February 2018. Patient Satisfaction Survey Data compiled December 2017-February 2018. Data, compiled December 2017-February 2018.

NURSELINE – TELEHEALTH:

Call our

Nurse Line 24/7

Speak to a registered nurse, when you need to, day or night – at no cost to you. Because guidance and advice should happen round the clock.

• Get connected directly to a nurse: Immediate advice, no waiting for a callback.

• 365 days a year: Including holidays. For access that’s ready when you are.

• There’s no additional cost: Because your health comes first.

• Email* a nurse 24/7, too: Create an account to email a nurse for general questions or advice, day or night.

Questions? Visit myblue.bluecrossma.com and select Find a Doctor & Estimate Costs to find a provider near you. Download the MyBlue App from the App Store or Google Play™.

*We partner with Carenet Health®, an independent health care engagement company, to administer this service. You’ll need to create a Carenet Health account or sign in to their secure website. When creating your account, you’ll need to enter your nine-digit Blue Cross member ID number. Please don’t include the letter prefix.

VIRTUAL CARE TEAM – Getting Care Should be Easy and Affordable

That’s why we created this feature that gives members the option to receive their primary care virtually by selecting a PCP that is designated as a Virtual Care Team provider. To ensure continuity of care, members who elect this model will be assigned their own dedicated Virtual Care Team that will help manage the member’s health and coordinate in-person care with network providers when necessary.

Key Features:

• No cost for primary care and mental health services provided by Virtual Care Team.

• Convenient concierge-like experience that helps members navigate the health care system –all from their preferred device.

• Best-in-class virtual providers available nationwide.

WHERE

- Salaried Team Members Benefits Plan

- Administered by Blue Cross Blue Shield of Massachusetts, bluecrossma.com, 800-241-0803

GETTING MORE. NOW THERE’S A PLAN.

Your plan has more benefits than you probably realize. Tap into all of them, all in one place. MyBlue is your key to more features and savings. Plus, up-to-date status for claims, your deductible, account balances, and more. It’s like a free upgrade for the plan you already have.

Get quality health care no matter where you are in the world. Whether you’re traveling within the United States or abroad, BlueCard®’ and Blue Cross Blue Shield Global® Core make sure you have access to top doctors and hospitals and concierge-level service.

Take this reference card with you when you travel. When you need care, you’ll be prepared.

Urgent Care

(2583)

Call 1-800-810-BLUE (2583) for a list of participating doctors and hospitals, or to obtain an international claim form.

Emergency Care

For emergency services, call the local emergency number or go to the nearest hospital immediately.

HEALTH SAVINGS ACCOUNT (HSA)

- Salaried Team Members Benefits Plan

- Administered by Fidelity Investments, netbenefits.com, 800-544-3716

About Your Benefits:

When you enroll in the Preferred Blue PPO Saver Plan, you will need to open a Health Savings Account (HSA) with Fidelity Investments. HSA funds can be used to pay for eligible medical, dental and vision expenses for you and your eligible dependents, including deductibles, coinsurance, prescriptions, acupuncture and more, tax-free, now and in the future. If medical coverage is elected, your HSA will also be opened on your date of hire.

How the HSA works:

• You decide if, when and how much to contribute to your HSA (Symmons will contribute too!), up to the limit set by the IRS. You can elect pre-tax payroll contributions or make lump sum contributions at any time during the year.

• You pay for eligible expenses using your HSA Debit Card (which deducts payments directly from your HSA funds) or with your own money (and then you reimburse yourself using HSA funds). Keep copies of your receipts in case you need to verify an expense.

• Any funds that remain after your eligible expenses are deducted will carry over for use in the future. Your savings may even earn interest.

The HSA offers significant tax savings: Contributions are exempt from federal income tax (state tax treatment varies), payments/withdrawals for eligible expenses are tax-free and earned interest is not taxed.

IRS Regulations

• You must be covered under a qualified medical plan such as the Preferred Blue PPO Saver Plan. Your HSA will be established on your date of hire.

• You cannot be covered by any other medical plan, entitled to Medicare benefits or be eligible to be claimed as a dependent on another person’s tax return.

• You cannot contribute to an HSA and a Healthcare Flexible Spending Account (FSA) in the same plan year.

• For a list of eligible expenses, see Publication 502 at www.IRS.gov or visit www.netbenefits.com

• For proof of expense eligibility, save receipts.

HSA Contributions

• You may elect an annual contribution that will be divided into equal amounts and withdrawn, before taxes, from your paycheck all year; and/or

• You can make a deposit of your own using after-tax funds at any time during the year (and claim a tax credit). You are not required to contribute to your HSA. You can also start, stop or change your contributions at any time.

Company HSA Contributions - Symmons will make an employer contribution to your HSA. Company contributions are made on a quarterly basis, on the first of each of the following months: May, August, November and February. The company contribution amount is based on coverage level:

• Employee Only coverage: $225 each quarter (total $900 per plan year)

• All other coverage levels: $450 each quarter (total $1,800 per plan year)

Annual Contribution Limits - The IRS limits the total amount that can be contributed to your HSA from all sources (including the amount you contribute and the contribution you receive from Symmons). For 2024, the IRS contribution limit from all sources combined is:

• Employee Only coverage: $4,150

• All other coverage levels: $8,300

• Age 55+ catch-up contributions: $1,000

You are responsible for monitoring contributions from all sources. Contributions above the limit are subject to taxes and penalties.

Accessing HSA Funds

Fidelity Investments will issue a debit card or you can use personal funds and reimburse yourself from your HSA. For questions about how to use your HSA, call the number on the back of your debit card or visit netbenefits.com. For questions regarding the HSA terms and conditions, please visit netbenefits.com, or download the NetBenefits app.

DEPENDENT CARE FLEXIBLE SPENDING ACCOUNT (FSA)

About Your Benefits:

Dependent Care FSA funds can be used for dependent care expenses you incur so that you (and your spouse if married) can be gainfully employed. To be eligible, the person must be your tax dependent who is 1) Under the age of 13; or 2) Age 13 or older if physically or mentally incapable of self-care and residing in your home at least half the year. There is a 30-day waiting period from your date of hire for this benefit.

You use the card to pay for IRS-qualified expenses directly at the point of sale or when paying a bill. The card works in dependent care settings* for any amount that does not exceed the available balance in your Dependent Care FSA account that day.

DENTAL PLAN

- Salaried Team Members Benefits Plan

- Administered by Blue Cross Blue Shield of Massachusetts, bluecrossma.com, 800-241-0803

Group Number: 2337484 LOW OPTION ($1,000)

About Your Benefits:

Dental Blue offers an extensive network of dentists. With your PPO plan, you can visit any dentist; but you pay less when you choose a PPO dentist. If elected, your dental coverage begins on your date of hire. You choose which plan maximum will best suit your needs:

Dental Blue Program 2 with Orthodontics

For members under age 13, benefits (except for orthodontic services) are covered in full up to the calendar-year benefit maximum and are not subject to the deductible.

Diagnostic

• One complete initial oral exam, including initial dental history and charting of the teeth and supporting structures

• Full mouth X-rays, seven or more films, or panoramic X-ray with bitewing X-rays once each 60 months

• Bitewing X-rays twice per calendar year

Restorative

• Amalgam (silver) fillings (limited to one filling for each tooth surface in a 12-month period)

• Composite resin (tooth color) fillings (limited to one filling for each tooth surface ina12-month period)

Prosthodontics (teeth replacement)

• Complete or partial dentures (including services to fabricate, measure, fit, and adjust them) once each 60 months for each arch

• Single tooth X-rays as needed

• Bitewing X-rays twice per calendar year

• Single tooth X-rays as needed

• Study models and casts used in planning treatment once each 60 months

• Periodic or routine oral exams twice per calendar year

• Emergency exams

• Periodic or routine oral exams twice per calendar year

Preventive

• Emergency exams Preventive

• Routine cleaning, scaling, and polishing of the teeth twice per calendar year

• Fluoride treatment twice per calendar year (members under age 19)

• Sealants on permanent pre-molar and molar surfaces (members under age 14). Benefits are provided for one application per bicuspid or molar surface each 48 months.

• Space maintainers needed due to premature tooth loss (members under age 19)

• Pin retention for fillings

• Composite resin (tooth color) fillings (limited to one filling for each tooth surface ina12-month period)

• Pin retention for fillings

• Stainless steel crowns on baby teeth and on first permanent adult molars (members under age 16)

Oral Surgery

• Fixed bridges (including services to fabricate, measure, fit, and adjust them) once each 60 months for each tooth

• Replacement of dentures and bridges once each 60 months when the existing appliance can’t be made serviceable

• Tooth extraction

Oral Surgery

• Tooth extraction

• Root removal

• Biopsies

Periodontics (gum and bone)

• Periodontal scaling and root planing once per quadrant each 24 months

• Periodontal surgery once per quadrant each 36 months

• Periodontal maintenance following active periodontal therapy once each three months

Endodontics (roots and pulp)

• Root canal therapy (permanent teeth, once in a lifetime per tooth)

• Retreatment root canal therapy on permanent teeth, once in a lifetime for each tooth

• Therapeutic pulpotomy on primary or permanent teeth (members under age 16)

• Other endodontic surgery to treat or remove the dental root

Prosthetic Maintenance

• Repair of partial or complete dentures, crowns, and bridges once each 12 months

• Adding teeth to an existing complete or partial denture

• Rebase or reline of dentures once each 36 months

• Recementing of crowns, inlays, onlays, and fixed bridgework once each 12 months

Other Services

• Occlusal adjustments once each 24 months

• Replacement of dentures and bridges once each 60 months when the existing appliance can’t be made serviceable

• Adding teeth to an existing bridge

• Temporary partial dentures to replace any of the six upper or six lower front teeth (only covered if they are installed immediately following the loss of teeth and during the period of healing)

Major Restorative (members age 16 or older)

• Crowns, once each 60 months for each tooth

Major Restorative (members age 16 or older)

• Crowns, once each 60 months for each tooth

• Metallic, porcelain, and composite resin inlays. Benefits are provided for an amalgam filling toward the cost of a metallic, porcelain, or composite resin inlay, once each 60 months for each tooth. You pay any balance.

• Metallic, porcelain, and composite resin onlays, once each 60 months for each tooth

• Replacement of crowns, once each 60 months for each tooth

• Replacement of metallic, porcelain, and composite resin inlays. Benefits are provided for an amalgam filling toward the cost ofametallic, porcelain, or composite resin inlay, once each 60 months for each tooth. You pay any balance.

• Replacement of metallic, porcelain, and composite resin onlays, once each 60 months for each tooth

• Post and core or crown buildup, once each 60 months for each tooth

Implants (members age 16 or older)

• Single tooth dental endosteal implants (the fixture and abutment portion) in addition to the allowance for the crown for the implant, once each 60 month period, when the implant replaces permanent teeth through the second molars

• Services to treat root sensitivity

• Occlusal adjustments once each 24 months

• Services to treat root sensitivity

• Emergency dental care to treat acute pain or to prevent permanent harm to a member

• General anesthesia when administered in conjunction with covered surgical services

WELCOME

DENTAL PLAN

- Salaried Team Members Benefits Plan

- Administered by Blue Cross Blue Shield of Massachusetts, bluecrossma.com, 800-241-0803

Group Number: 2297653 HIGH OPTION ($2,000)

About Your Benefits:

Dental Blue Program 2 with Orthodontics

For members under age 13, benefits (except for orthodontic services) are covered in full up to the calendar-year benefit maximum and are not subject to the deductible.

Diagnostic

• One complete initial oral exam, including initial dental history and charting of the teeth and supporting structures

• Full mouth X-rays, seven or more films, or panoramic X-ray with bitewing X-rays once each 60 months

• Bitewing X-rays twice per calendar year

Restorative

• Amalgam (silver) fillings (limited to one filling for each tooth surface in a 12-month period)

• Composite resin (tooth color) fillings (limited to one filling for each tooth surface ina12-month period)

Prosthodontics (teeth replacement)

• Complete or partial dentures (including services to fabricate, measure, fit, and adjust them) once each 60 months for each arch

• Single tooth X-rays as needed

• Bitewing X-rays twice per calendar year

• Single tooth X-rays as needed

• Study models and casts used in planning treatment once each 60 months

• Periodic or routine oral exams twice per calendar year

• Emergency exams Preventive

• Routine cleaning, scaling, and polishing of the teeth twice per calendar year

• Fluoride treatment twice per calendar year (members under age 19)

• Sealants on permanent pre-molar and molar surfaces (members under age 14). Benefits are provided for one application per bicuspid or molar surface each 48 months.

• Space maintainers needed due to premature tooth loss (members under age 19)

• Pin retention for fillings

• Composite resin (tooth color) fillings (limited to one filling for each tooth surface ina12-month period)

• Pin retention for fillings

• Stainless steel crowns on baby teeth and on first permanent adult molars (members under age 16)

Oral Surgery

• Fixed bridges (including services to fabricate, measure, fit, and adjust them) once each 60 months for each tooth

• Replacement of dentures and bridges once each 60 months when the existing appliance can’t be made serviceable

• Tooth extraction

Oral Surgery

• Tooth extraction

• Root removal

• Biopsies

Periodontics (gum and bone)

• Periodontal scaling and root planing once per quadrant each 24 months

• Periodontal surgery once per quadrant each 36 months

• Periodontal maintenance following active periodontal therapy once each three months

Endodontics (roots and pulp)

• Root canal therapy (permanent teeth, once in a lifetime per tooth)

• Retreatment root canal therapy on permanent teeth, once in a lifetime for each tooth

• Therapeutic pulpotomy on primary or permanent teeth (members under age 16)

• Other endodontic surgery to treat or remove the dental root

Prosthetic Maintenance

• Repair of partial or complete dentures, crowns, and bridges once each 12 months

• Adding teeth to an existing complete or partial denture

• Rebase or reline of dentures once each 36 months

• Recementing of crowns, inlays, onlays, and fixed bridgework once each 12 months

Other Services

• Occlusal adjustments once each 24 months

• Replacement of dentures and bridges once each 60 months when the existing appliance can’t be made serviceable

• Adding teeth to an existing bridge

• Temporary partial dentures to replace any of the six upper or six lower front teeth (only covered if they are installed immediately following the loss of teeth and during the period of healing)

Major Restorative (members age 16 or older)

• Crowns, once each 60 months for each tooth

• Metallic, porcelain, and composite resin onlays, once each 60 months for each tooth

• Replacement of crowns, once each 60 months for each tooth

• Replacement of metallic, porcelain, and composite resin onlays, once each 60 months for each tooth

• Post and core or crown buildup, once each 60 months for each tooth

Implants (members age 16 or older)

• Services to treat root sensitivity

• Occlusal adjustments once each 24 months

• Services to treat root sensitivity

• Emergency dental care to treat acute pain or to prevent permanent harm to a member

• General anesthesia when administered in conjunction with covered surgical services

DENTAL PLAN

- Administered by Blue Cross Blue Shield of Massachusetts, bluecrossma.com, 800-241-0803

Dental Benefits for Children under Age 13

BCBS is adding the following dental benefits for children under the age of 13. Children will be covered in full up to their annual maximum for dental services. This takes effect on 5/1/2024. 100% coverage, no deductible applies. This will be a new standard rider added to the existing plan.

• Children under age 13:

• Type 1: Preventive services 100%

• Type 2: Basic Restorative services 100%

• Type 3: Major Restorative services 100%

• Under the Enhanced Dental Benefits: they have added Mental Health Conditions and Intellectual and/or Developmental Disabilities. Members will receive additional cleaning or periodontal maintenance (4 per calendar year). Oral Cancer Screening (2 per calendar year) & Fluoride Treatment for members under age 19 (4 per calendar year).

VISION PLAN

- Administered by EyeMed, eyemed.com, 866-299-1358

Group Number: 9787680

About Your Benefits:

EyeMed is dedicated to helping you see clearly — and that’s why we’ve built a network that gives you lots of choices and flexibility. You can choose from thousands of independent and retail providers to find the one that best fits your needs and schedule. No matter which one you choose, our plan is designed to be easy-to-use and help you access the care you need. If elected, your vision coverage begins on your date of hire.

SELECT Network: For a complete list of in-network providers near you, use our Enhanced Provider Locator on eyemed.com or call 866-299-1358.

SymmonsIndustries

SUMMARY OF BENEFITS

(paidbythememberandaddedtothebasepriceofthelens)

ContactLensFitandFollow-Up (Contactlensfitandtwofollowupvisitsareavailableonceacomprehensiveeyeexamhasbeencompleted)

PremiumContactLensFit&Follow-Up10%offretail N/A

ContactLenses

Conventional

$0Co-pay;$150allowance;15%offbalanceover$150Upto$120

Disposable $0Co-pay;$150allowance;plusbalanceover$150Upto$120

MedicallyNecessary

LaserVisionCorrection

$0Co-pay,Paid-in-Full Upto$210

LasikorPRKfromU.S.LaserNetwork15%offtheretailpriceor5%offthepromotionalpriceN/A

HearingCare

HearingHealthCarefrom 40%offhearingexamsandalowpriceguarantee N/A

AmplifonHearingNetwork ondiscountedhearingaids

Frequency

Examination Onceevery12months

LensesorContactLenses Onceevery12months

Frame Onceevery24months

LIFE INSURANCE AND AD&D

100% EMPLOYER PAID BENEFIT

Group Number: GL-884549

About Your Benefits:

Your family depends on you in many ways and you’ve worked hard to ensure their financial security. But if something happened to you, will your family be protected? Will your loved ones be able to stay in their home, pay bills, and prepare for the future? Life insurance provides a financial benefit that your family can depend on. And getting it at work is easier, more convenient and more affordable than doing it on your own. If you have financial dependents – a spouse, children or aging parents – having life insurance is a responsible and a smart decision. Your life insurance and AD&D coverage begins on the first day of the month following 30 days of continuous employment.

What Your Benefits Cover:

Employee Benefit

Accidental Death and Dismemberment

BASIC LIFE/AD&D

Your employer provides Basic Life Coverage for all full time employees in the amount of 2x of your annual earnings, to a maximum of $400,000 rounded to the next higher $1,000 if not already a multiple of $1,000.

Your Basic Life coverage includes Enhanced Accidental Death and Dismemberment coverage equal to the employee’s life benefits.

Additional seat belt, air bag and repatriation benefits available.

Guarantee Issue: The ‘guarantee’ means you are not

Guarantee Issue coverage in the amount of 100% of required to answer health questions to qualify for your annual salary, to a maximum of $400,000. coverage up to and including the specified amount, when you sign up for coverage during the initial enrollment period.

Minimum work hours/week: Minimum number of hours you must regularly work each week to be eligible for coverage.

SHORT TERM DISABILITY

- Salaried Team Members Benefits Plan

- Administered by The Hartford, thehartford.com, 800-523-2233

100% EMPLOYER PAID BENEFIT

Group Number: GRH-884549

About Your Benefits:

You probably have insurance for your car or home, but what about the source of income that pays for it? You rely on your paycheck for so many things, but what if you were suddenly unable to work due to an accident or illness? How will you put food on the table, pay your mortgage or heat your home? Symmons provides short term disability insurance to help replace lost income due to an accident or illness. Your short term disability coverage begins on the first day of the month following 30 days of continuous employment.

What Your Benefits Cover:

Coverage amount

Maximum payment period: Maximum length of time you can receive disability benefits.

Benefits begin: The length of time you must be disabled before benefits begin.

Short Term Disability

Weekly benefit equal to the lesser of:

1) 70% of Your Pre-disability Earnings; or

2) $5,000; reduced by Other Income Benefits.

12 weeks

Day 8

LONG TERM DISABILITY

- Salaried Team Members Benefits Plan

- Administered by The Hartford, thehartford.com, 800-523-2233

100% EMPLOYER PAID BENEFIT

Group Number: GLT-88459

About Your Benefits:

Long term disability benefits are designed to begin when the short term disability plan benefits end. An extended disability of months or possibly, years, can be devastating. You still need to pay the bills and put food on the table. Social Security Disability Income can sometimes help, but approval of those benefits is not guaranteed and can take years. Symmons provides long term disability insurance to help replace lost income and make a difficult time a little easier. Protect your most valuable asset, your paycheck. Your long term disability coverage begins on the first day of the month following 30 days of continuous employment.

What Your Benefits Cover:

Coverage amount

Maximum payment period: Maximum length of time you can receive disability benefits.

Benefits begin: The length of time you must be disabled before benefits begin.

Minimum work hours/week: Minimum number of hours you must regularly work each week to be eligible for coverage.

Pre-existing conditions: A pre-existing condition includes any condition/symptom for which you, in the specified time period prior to coverage in this plan, consulted with a physician, received treatment, or took prescribed drugs.

Long Term Disability

66-2/3% of salary to maximum $11,000/month

Social Security Normal Retirement Age

Day 91

30 hours

3 months look back; 12 months after exclusion

- Salaried Team Members Benefits Plan

- Administered by Aflac, aflac.com, 781-354-0256

Get help with expenses health insurance doesn’t cover

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Like many Americans, you may have been blindsided by an unexpected medical bill. Did you think, “But I have health insurance. I should be covered?” That’s why there’s Aflac. We help with benefits health insurance doesn’t provide – and that’s peace of mind when you need it most. Let us help protect your financial security.

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Aflac supplemental benefits

Our portfolio of group and individual insurance plans provides a mix of options to help control costs, attract and retain employees, and help keep them happy, healthy and feeling protected.

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Aflac supplemental benefits

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stay connected, stay protected

Since so much of daily life is now spent online, it’s more important than ever to stay connected. But more time online means more of your personal data may be at risk. In fact, 1 in 6 Americans were impacted by an identity crime in 2020.1

Identity theft can happen to anyone. That’s why your company is offering you Allstate Identity Protection as a benefit. Get comprehensive identity monitoring and fraud resolution, plus mobile cybersecurity to help you protect yourself and your family against today’s digital threats.

For 90 years, Allstate has been protecting what matters most. Prepare for what’s next with:

Identity, financial account and credit monitoring

Cybersecurity for your mobile devices

24/7 support, plus up to $1 million in fraud expense reimbursement† — or up to $2 million for families

- Salaried Team Members Benefits Plan

Salaried Members

- Administered by Inova, inova.org/eap, 800-346-0110

Inova Employee Assistance

Short Term Counseling

Creative solutions for the demands of life and work.

• Relationships

• Alcohol

• Family

• Depression

• Anxiety

Elder Care Resources

• Adult daycare centers

• Assisted living centers

• Nursing homes

• Transportation services

• Nutrition services

• Respite care

• Home care services

• Geriatric health and mental health

Child Care Services

• Nursery and/or preschools

• Emergency and back-up care

• Before-after school care

• Care for mildly ill children

• Childcare centers

• In-home care agencies

• Family daycare and group homes

• Nanny/au pair agencies

• Summer camps

Adoption Services

• U.S. adoption agencies

• International adoption agencies

• Adoption support groups

Website Tools

• Savings center

• Educational seminars

• Skill builders

• Easily searchable database

Parental Services

For confidential assistance, call:

Toll Free: 1.800.346.0110

TTY/TTD: 1.877.845.6465

inova.org/eap

• Birthing classes

• Support groups

• Exercise and nutrition

• Parent education

Educational Resources

• Identify appropriate schools

• Navigate the application process

• Resources for adults and children with special needs

• Apply for grants, scholarships and financial aid

Health and Wellness Resources

• Exercise program

• Holistic care

• Nutrition counselors

• Personal trainers

• Self-help programs

Pet Services

• Veterinarians

• Boarding facilities

• Pet sitters

• Groomers

• Obedience trainers

Daily Living

• Entertainment, recreation and sports tickets

• Event and party planners

• Grocery shopping

• Housekeeping

• Lawn maintenance

• Real estate and relocation professionals

Legal Assistance

• Free 30 minute consultation with an attorney

• Web-based legal documents

• 25% off attorney services

• Will preparation

Financial Assistance

• Financial consultation

• Financial calculators

Identity Theft

• Web-based credit monitoring

• Telephonic consultation with an identity theft and recovery professional

WELCOME

RETIREMENT 401(K) PLAN

- Salaried Team Members Benefits Plan

- Administered by Fidelity, www.401k.com, 800-890-4015

Group Number: 34448

About Your Benefits:

Starting down the path to saving for your retirement may be easier than you think. Begin by enrolling in your 401(k) retirement plan. Taking that first step to enroll is important for several reasons. The earlier you start saving, the more time your money has to grow, and it can really help you reach your retirement savings goals.

No matter where you are in life, know that you can take steps toward retirement confidently with the knowledge and tools you’ll find from Fidelity.

PLAN ELIGIBILITY

All full-time and part-time active employees are eligible to enroll in the plan upon hire provided they are not a leased employee or temporary/seasonal Employee, Interns, or Co-op student.

ENROLLMENT

To enroll, log on to Fidelity NetBenefits® at www.401k.com. You can also set up your beneficiary information by going to Fidelity NetBenefits® at www.401k.com or calling a Fidelity Representative at 1-800-890-4015 to request a Designation of Beneficiary Form to fill out and return to Fidelity.

EMPLOYEE CONTRIBUTIONS

Pre-tax: 1% to 100%. Through automatic payroll deduction, you may contribute between 1% and 100% of your eligible pay on a pretax basis, up to the annual IRS dollar limit.

Annual Increase Program. In addition, you can automatically increase your retirement savings plan contributions each year through the Annual Increase Program. To sign up, access the Contributions section within NetBenefits®, or call the plan’s toll-free number.

Roth 401(k). The Roth 401(k) feature allows you to contribute after-tax dollars, but then withdraw tax-free dollars from your account when you retire, provided the distribution is “qualified.” A qualified distribution is one that is taken after the five taxable year period beginning January 1 of the year for which your first designated Roth contribution to the plan is made (or to a previous plan, if that amount was subsequently rolled over to the distributing plan) AND you turn age 59 1/₂, become disabled, or die. The total of your pretax and Roth 401(k) contributions may not exceed the IRS limit.

Catch-up Contributions. If you are over 50, you may also make a catchup contribution of an additional $7,500 into your plan.

COMPANY CONTRIBUTIONS

IRS contribution limits

Here are the contribution limits for Traditional and Roth 401(k) retirement plans and catch-up contribution for 2024: $23,000

+ $7,500 Age 50+ catch up

Symmons will make Safe Harbor matching contributions to your account based on your pretax contributions. The amount will equal: 100% of the first 6% of your eligible compensation contributed to the Plan. To be eligible for Safe Harbor matching contributions you are required to make employee pretax deferral contributions or Roth 401(k) after-tax deferral contributions. The plan will match on the combined total of these contributions up to the matching limit.

ROLLOVERS

You are eligible to roll over contributions into this Plan from a previous employer’s retirement plan. For other eligible account types, please see your Summary Plan Description. Be sure to consider all your available options and the applicable fees and features before moving your retirement assets.

VESTING

The term “vesting” refers to the portion of your account balance that you are entitled to under the plan’s rules. You are always 100% vested in your contributions, any company contributions, and any earnings.

PLAN INVESTMENTS

Remember to choose your investment options when you enroll. If you do not select an investment, Fidelity will place your contributions in the Vanguard target date fund that most closely aligns with your projected retirement date based upon your birth year. You can make changes to your investment selections within NetBenefits® or by calling the Retirement Benefits Line at 1-800-890-4015.

WELCOME

IMPORTANT NOTICES

Legal Notices

As a plan participant, you are entitled to a description of your benefits, rights and obligations under the Group Health Plan. The summary plan description (SPD) is the primary vehicle for informing you and your beneficiaries about the plan and how it operates. If you and/or your beneficiaries provide a written request to your Human Resources for a copy of the SPD then one will be provided to you free of charge.

COBRA

Under certain circumstances when your health coverage would normally end, you (or your covered dependent) may continue your health coverage through the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA). Please contact the HR Department for additional materials and refer to the summary plan description regarding termination of coverage.

Privacy Rights Under HIPAA of 1996

Health Insurance Portability & 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 Group Health Plan distributes HIPAA Privacy Notices, in accordance with Federal Regulations. A copy of this information is available upon your request.

HIPAA - Special Enrollment Rights

If 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).

In addition, 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. To request special enrollment or obtain more information, contact Human Resources.

Medicaid and Children’s Health Insurance Program (CHIP)

If you are eligible for health coverage from the Group Health Plan but are unable to afford the premium, some states have premium assistance programs that can help pay for coverage. These States use funds from their Medicaid or CHIP program to help people who are eligible for employer-sponsored health coverage, but need assistance in paying their health premiums.

If you or your dependents are already enrolled in Medicaid or CHIP and you live in AL, AK, AR, CA, CO, FL, GA, IN, IA, KS, KY, LA, ME, MA, MN, MO, MT, NC, NE, NV, NH, NJ, NY, ND, OK, OR, PA, RI, SC, SD, TX, UT, VT, VA, WA, WV, WI and WY, you can 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 these programs, you can 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, you can ask the State if it has a program that might help you pay the premiums for an employer-sponsored plan.

Once it is determined that you or your dependents are eligible for premium assistance under Medicaid or CHIP, the Group Health plan is required to permit you and your dependents to enroll in the plan as long as you and your dependents are eligible, but not already enrolled in the employer’s plan. This is called “special enrollment” opportunity, and you must request coverage within 60 days of being determined eligible for premium assistance.

Medicare Part D

If you and/or your beneficiaries have or will become eligible for Medicare in the next 12 months, a Federal law gives you more choices about your prescription drug coverage, starting in 2006.

The Group Health Plan has determined that both medical plans offered have creditable coverage under its prescription drug benefit and is therefore considered Creditable Coverage. You can keep this coverage and not pay a higher premium (a penalty) if you later decide to join a Medicare drug plan. If you go 63 days or longer without creditable coverage, you will have to pay a higher premium as long as you have Medicare Prescription Coverage.

Why is it Creditable? The amount the plan expects to pay, on average, for prescription drug coverage is the same or more than what the standard Medicare prescription drug coverage would be expected to pay on average.

If you would like additional information, contact Human Resources.

IMPORTANT NOTICES

WELCOME

Women’s Health & Cancer Rights Act of 1998

Your medical 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 breasts, prostheses, and complications resulting from a mastectomy, including lymphedema.

Genetic Information Nondiscrimination Act (GINA)

Under a 2009 federal law, group health plans are prohibited from adjusting premiums or contribution amounts for a group on the basis of genetic information. A health plan is also prohibited from requiring an individual or his/her family member to undergo a genetic test, although the plan may request that a voluntary test be taken for research purposes.

Mental Health & Parity Act

The new law requires that any group health plan that includes mental health and substance use disorder benefits along with standard medical and surgical coverage must treat them equally in terms of out-of-pocket costs, benefit limits and practices such as prior authorization and utilization review. These practices must be based on the same level of scientific evidence used by the insurer for medical and surgical benefits. For example, a plan may not apply separate deductibles for treatment related to mental health or substance use disorders and medical or surgical 14 benefits—they must be calculated as one limit. MHPAEA applies to employers with 50 or more workers whose group health plan chooses to offer mental health or substance use disorder benefits. The new rules are effective for plan year beginning on or after July 1, 2010.

Newborns’ and Mothers’ Health Protection Act of 1996

Group 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 to less than 48 hours following a vaginal delivery or less than 96 hours following a Caesarean 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 and 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 an authorization from the plan or the insurance issuer for prescribing a length of stay not in excess of 48 hours (or 96 hours as applicable).

USERRA

Your right to continued participation in the Plan during leaves of absence for active military duty is protected by the Uniformed Services Employment and Reemployment Rights Act (USERRA). Accordingly, if you are absent from work due to a period of active duty in the military for less than 31 days, your Plan participation will not be interrupted. If you do not elect to continue to participate in the Plan during an absence for military duty that is more than 31 days you and your covered family members will have the opportunity to elect COBRA Continuation Coverage only under the medical insurance policy for the 24-month period (18-month period if you elected coverage prior to December 10, 2004) that begins on the first day of your leave of absence. You must pay the premiums for Continuation Coverage with after-tax funds, subject to the rules that are set out in that plan.

Qualified Medical Child Support Order (QMCSO)

Group health plans that offer dependent coverage are required to honor qualified medical child support orders (QMCSOs). These are generally court orders that require a divorced or separated participant without custody to cover his or her child or children under the employer’s health plan. As a result of the concerns of plan administrators over the difficulties of establishing whether a medical support order is qualified, Congress enacted a provision in the Child Support Performance and Incentive Act of 1998 (CSPIA) requiring state agencies (in order to enforce such orders) to issue notices to employers of participants designating that a medical support order is qualified. To obtain more information, contact Human Resources.

Marketplace (Exchange) Coverage Option & Your Health Coverage – PART A

General Information: When key parts of the health care law took effect in 2014, a new way to buy health insurance occurred: the Health Insurance Marketplace. To assist you as you evaluate options for you and your family, this notice provides some basic information about the new Marketplace and employment-based health coverage offered by your employer.

What is the Health Insurance Marketplace? The

Marketplace is designed to help you find health insurance that meets your needs and fits your budget. The Marketplace offers “one-stop shopping” to find and compare private health insurance options. You may also be eligible for a new kind of tax credit that lowers your monthly premium right away. Open enrollment for health insurance coverage through the Marketplace begins in October for coverage starting as early as January 1, 2015

WELCOME

IMPORTANT NOTICES

Can I Save Money on my Health Insurance Premiums in the Marketplace? You may qualify to save money and lower your monthly premium, but only if your employer does not offer coverage, or offers coverage that doesn’t meet certain standards. The savings on your premium that you’re eligible for depends on your household income.

Does Employer Health Coverage Affect Eligibility for Premium Savings through the Marketplace? Yes. If you have an offer of health coverage from your employer that meets certain standards, you will not be eligible for a tax credit through the Marketplace and may wish to enroll in your employer’s health plan. However, you may be eligible for a tax credit that lowers your monthly premium, or a reduction in certain cost-sharing if your employer does not offer coverage to you at all or does not offer coverage that meets certain standards. If the cost of a plan from your employer that would cover you (and not any other members of your family) is more than 9.5% of your household income for the year, or if the coverage your employer provides does not meet the “minimum value” standard set by the Affordable Care Act, you may be eligible for a tax credit.

Note: If you purchase a health plan through the Marketplace instead of accepting health coverage offered by your employer, then you may lose the employer contribution (if any) to the employer-offered coverage. Also, this employer contribution -as well as your employee contribution to employer-offered coverage is often excluded from income for Federal and State income tax purposes. Your payments for coverage through the Marketplace are made on an after-tax basis.

How Can I Get More Information? For more information about your coverage offered by your employer, please check your summary plan description or contact Human Resources.

The Marketplace can help you evaluate your coverage options, including your eligibility for coverage through the Marketplace and its cost. Please visit www.HealthCare.gov or call (800) 318-2596 for more information, including an online application for health insurance coverage and contact information for a Health Insurance Marketplace in your area.

Patient Protection and Selection of Providers

The Group Health Plan allows the designation of a primary care provider. For children, you may designate a pediatrician as the primary care provider. You have the right to designate any primary care provider who participates in our network and who is available to accept you or your family members. For information on how to select a primary care provider or for a list of the participating primary care providers, contact the Plan Administrator.

You do not need prior authorization from The Group Health Plan 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 our 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 preapproved treatment plan, or procedures for making referrals. For a list of participating health care professionals who specialize in obstetrics or gynecology, contact the Plan Administrator.

Notice of Coverage Rescission

For plan years beginning after September 23, 2010, group health plans are prohibited from retroactively terminating (rescinding) benefits coverage if the employee is enrolled in the plan and makes the required contribution except in cases of fraud, intentional misrepresentation or omission of material facts relevant to such benefits coverage. The rescission rule can apply to a single person, an individual within a family, or all covered family members. If the Plan terminates your coverage retroactively under the limited circumstances described above (fraud, misrepresentation or omission), you will be provided with at least 30-days prior written notice of the coverage cancellation. For more information, contact Human Resources.

Opportunity to Enroll in connection with Extension of Dependent Coverage to Age 26

Individuals whose coverage ended, or who were denied coverage (or were not eligible for coverage), because the availability of dependent coverage of children ended before attainment of age 26 are eligible to enroll in the company Benefit Plan. Individuals may request enrollment for such children for 30 days from the date of notice. For more information contact Human Resources.

Lifetime Limit No Longer Applies and Enrollment Opportunity

The lifetime limit on the dollar value of benefits under the Plans no longer applies. Individuals whose coverage ended by reason of reaching a lifetime limit under the plan are eligible to enroll in the plan. Individuals have 30 days from the date of this notice to request enrollment. For more information contact Human Resources.

External review program

If following completion of the internal appeal process you remain dissatisfied with the outcome of a clinical review, you may have the right to appeal the decision to an independent review organization. This process is called an independent external review or IER. Many self-funded plans administered by Humana offer an External Review Program that provides an independent, external review of clinical benefit coverage disputes to those who have exhausted our formal, internal appeals process. Please review your plan documents, including your COC or SPD, and/or your appeal determination letters, for information about eligibility to appeal the decision to an independent review organization.