Open Enrollment Benefits Guide 2023 - DBMG Shop Employees - Livewise (2024)

Open EnrollmentBenefits Guide 2023DBMG Shop Employees

Welcome 1 Flexible Spending Account 14Benefits Overview 2 Voluntary Worksite 15Open Enrollment Instructions 3 Dental 16LiveWise 4 Vision 17Elligibility and Enrollment 5 Life and Disability 18Important Terms 6 Mutual of Omaha Resources 19What’s New or Changing 7 Additional Benefits 20Medical and Pharmacy 8 401K Plan 21UHC Resources 9/10 2023 Holiday Schedule 222023 Employee Medical Rates 11 Important Contacts 23Know Where to Go 12 Notes 24Health Savings Account 13

WelcomeAs I reflect on our successes of the past year, I am reminded that we are who we are because of the men and women that work forus. Without each of you, we would not be the collective company that we are today. Our employees truly are the lifeblood of ourorganization. I appreciate the work that you do and I am committed to providing benefit plan options that provide solid healthcareoptions for you and your family.Last year, we embarked on a journey to harmonize our benefits offerings, with the goal of offering the same benefit options toemployees across our family of companies. We are continuing these efforts and are excited to be fully harmonizing our medical planofferings to employees at DBMG, Schuff Steel, Aitken, GrayWolf, DBM Vircon (domestic locations) and now Banker Steel Companyand subsidiaries! Harmonization allows us to continue providing robust coverage, minimize cost increases for employees and offeradditional coverage options.I am especially excited to share that the Company will be providing an HSA contribution ($400 employee/$800 family) for employeeselecting coverage under the High Deductible Healthcare Plan. Other notable changes include:• Hospital Indemnity• Permanent Life• Flexible Savings Account• Dental Coverage Premium DecreaseWe understand that this is a carrier change for our Banker Steel employees but are confident that these changes will serve you andyour family well. This year our enrollment process is active for Banker Steel employees, meaning that your elections will not carryforward and you must enroll to have coverage in 2023. To assist Banker Steel employees in this transition, we will have BenefitEnrollment Specialists available, both on-site and via phone, to answer your questions.For all other employees, it’s a passive enrollment meaning that your elections will carry forward into 2023. Please note that you mustenroll in Health Savings Account and Flexible Spending Account as enrollment in these plans cannot carry forward. All employees willenroll and make benefit changes using the same platforms that was used last year.We will continue to offer generous dental and vision coverage as well as provide company paid basic life and disability insurance foremployees. This year, we have added more options for you to purchase voluntary coverage, including hospital indemnity, permanentlife and voluntary or spousal life insurance,As we look ahead to 2023, I want to thank you for commitment and dedication. I’m continually humbled by your tireless efforts, and Iam grateful to have you all part of the team.Sincerely,Rustin Roach 1

Benefits OverviewDBMG is committed to providing you a comprehensive benefit program. That is why a large portion of your monthly premium ispaid by the company and you share the cost for others, as shown below:Benefit Who Pays Tax TreatmentMedical Coverage DBMG and You Pre-TaxDental Coverage DBMG and You Pre-TaxVision Coverage You Pre-TaxHealth Savings Account DBMG and You Pre-taxBasic Life and AD&D DBMG N/AVoluntary Life and AD&D You Post-Tax Short-Term Disability (STD) DBM N/AVoluntary Short-Term Disability (STD) You Post-TaxVoluntary Long-Term Disability (LTD) You Post-TaxAncillary Coverage: Accident Critical Illness You Post-Tax Hospital Indemnity NEW for 2023! Universal Life NEW for 2023!Flexible Spending Accounts Healthcare Flexible SpendingAccount You Pre-Tax Limited Flexible Spending Account Dependent Flexible SpendingAccountBusiness Travel Accident Insurance DBMG N/AInfoArmor Identity Theft & Credit You Post-TaxProtectionPet Insurance You Post-TaxAbout this GuideThis guide highlights your benefits. Official plan and insurance documents govern your rights and benefits under each plan. For moredetails about your benefits, including covered expenses, exclusions, and limitations, please refer to the individual summary plandescriptions (SPDs), plan document, or certificate of coverage for each plan. If any discrepancy exists between this guide and theofficial documents, the official documents will prevail.Medicare Part D NoticeIf you (and/or your dependents) have Medicare or will become eligible for Medicare in the next 12 months, a federal law gives youmore choices about your prescription drug coverage. Please see your legal notices for more details. 2

Open Enrollment InstructionsHow to Enroll on Your OwnIf you need to take action at this year’s enrollment, be sure to visit Paycom via your computer or smart phone. Paycom is the portal foryour benefit information including your Summary Plan Descriptions, Summary of Benefit Coverages, and allows you to make benefitelections. To enroll, follow these steps:1. Log into the Paycom app. From the Notification Center or from the Benefits section, click the current year’s Benefits Enrollment.2. Review the initial instructions and click “Start Enrollment”. Then, enter your personal information and any dependents or beneficiaries.3. After reading each benefit plan, choose your coverage, and then elect either to enroll or decline.4. To complete enrollment, click “Finalize”, then “Sign and Submit.Benefits Education Specialist (BES) – NEW for 2023!This year we are thrilled to offer all benefit eligible employees a valuable one-on-one benefits education and enrollment experience with aBenefits Education Specialist (BES). All benefit eligible employees are encouraged to speak to a BES to enroll or decline benefits. Learn howAccident, Critical Illness and Hospital Indemnity coverage can help reduce yourout-of-pocket medical expenses and how Universal Life can help protect your family from the financial impact of an untimely death andprovide benefits for long-term care. You must speak to a BES to enroll in these benefits. During your meeting, the BES will explain allbenefit options, answer questions, complete the online enrollment process and help you better understand how our available benefits firyou and your family’s individual needs. Use your phone’s camera to scan the QR code below. Tap the notification to open the available schedule or visit https://v2.rivs.com/schedule/dbmg/ 1. Enter the requested contact information 2. Select your location, desired appointment date and time 3. Finalize your appointment 3

LiveWiseWe encourage you to check out our benefits website at http://LiveWise.Info. This site was designed with you in mind and provides youand your family with great information on all benefits DBMG offers! Improved member experience makes No password needed benefits information convenient and spouses and dependents can simple. access the site, as well. Access important websites, all Learn more about your from one central, easy-to-read benefits and find helpful page. resources. 4

Eligibility and EnrollmentEligibilityEmployees: eligible for DBMG benefits if a full-time employee who is working 30 or more hours per week.Dependents: eligible based on the following guidelines:• Your legal spouse.• You or your legal spouse’s eligible children up to age 26 regardless of marital or student status.• Dependent children including natural children, stepchildren, foster children, adopted children, dependent children placed with you for adoption, and other children, for whom the courts have granted you legal custody of.• Disabled Dependent Children – an unmarried child of any age who is incapable of supporting themselves due to a mental or physical disability and who are dependent on you.What Happens If You Become Eligible for BenefitsWhen you are a newly hired employee:You will receive an enrollment announcement with the opportunity to enroll in health benefits that are available to you. You have 60days from your hire date to elect benefits.When you are a newly eligible employee:You will receive an enrollment package providing you with the opportunity to enroll in health benefits. A deadline will be outlined inthe communication received in which you will need to complete your enrollment application to elect/reject benefits available to you.Additional documentation may be required to process your benefit elections.Qualifying Life EventsYou have 30 days from the date of any Qualifying Life Event to make a change to your current benefits.Qualifying Events include:• Birth / Adoption• Child Status Change• Death of a Dependent• Marriage or Divorce• Spouse Gains / Loses Coverage• Team Member Loses Coverage 5

Important TermsHealth care can be difficult to navigate, and the jargon can further complicate your understanding of benefits.Here’s a break down to help you better understand your benefits, bills and coverage.DeductibleThe amount you must pay out-of-pocket for medical expenses before the insurance company will cover any benefit costs for the year.If your deductible is $2,000, your insurance plan will begin to help with payments once you’ve reached that amount. Review your planto see which expenses count toward your deductible.Remember, in-network preventive care visits are always 100% covered.Out-of-Pocket MaximumThe most you would possibly pay out-of-pocket for covered services in a year. Once you reach your out-of-pocket maximum, your plancovers all eligible expenses.PremiumThis is the base amount you pay every month through a payroll deduction for health care coverage, whether or not you use theinsurance.CoinsuranceThe cost share between you and the insurance company. Coinsurance is always a percentage totaling 100%. For example, if the planpays 80%, you are responsible for paying the remaining 20% of the cost. The coinsurance applies only once the deductible has beenmet.CopayA flat fee paid to your provider at the time of service. You may spend more once you’re there (as an example, additional tests, labs,etc.), but regardless, you still have to pay the flat fee. You might also pay copays for prescription drugs.ClaimA medical IOU. When you visit providers, they will submit claims to your insurance company for the services you received (rememberthe tests and labs mentioned above?). Once your insurance pays its share, you’ll receive a bill for the rest. 6

What’s New or Changing?We have added some new benefits and have made changes to some existing benefits for the 2023 plan year.UHCMedical Coverage - Designated Diagnostic Providers (DDP)Designated Diagnostic Providers (DDP) are qualified freestanding and hospital lab facilities that meet requirements for providingquality and efficient services. When you choose a DDP for their outpatient lab services you will receive the highest level of benefitfrom your health plan. There is also a lower cost associated with seeing a DDP for outpatient lab services.Pharmacy CoveragePrescription drug copays have decreased on both the $500 Deductible and $2,000 Deductible plan options.Health Savings Account (HSA) - NEW for 2023!• DBMG will be making an annual employer contribution of $400.00 (Employee only coverage) and $800.00 (Employee + Spouse, Employee + Child(ren) or Family coverage). This means that anyone who enrolls in the UHC HDHP will automatically have an HSA account opened. If you already have an HSA with Health Equity, deposits will be made into your active account.• The employer contribution will be split with deposits being made in January and in July.Voluntary WorksiteMutual of Omaha Worksite benefits will now be administered through Trustmark. The Trustmark benefits include:• Accident• Critical Illness• Hospital Indemnity - NEW for 2023!• Permanent Life - NEW for 2023!401KThe DBMG Employer Match has increased. Please see page 22 for additional details. Anyone interested in enrolling in the Trustmark benefits will need to speak to a Benefits Education Specialist (BES) . This includes anyone currently enrolled on the Mutual of Omaha worksite plans, as your benefits will not transfer over to the 2023 plan year. 7

Medical and PharmacyYour medical benefits are administered by UnitedHealthcare (UHC). DBMG will continue to offer two POS plans, as well as a HighDeductible Health Plan (HDHP). For complete benefit information, limitations and exclusions, please refer to your UHC Summary ofBenefits and Coverage (SBC). The deductible(s), copays and coinsurance shown below are your responsibility. UHC Medical Benefits UHC $500 Deductible UHC $2,000 UHC HDHP with HSA In-Network In-Network In-Network Annual Deductible $500 / $1,000 $2,000 / $4,000 $3,000 / $6,000 (Individual / Family) Annual Out-of- Pocket Max $5,500 / $11,000 $8,150 / $16,300 $5,000 / $10,000 (Individual / Family) No charge, No charge, No charge, Preventive Services covered 100% covered 100% covered 100% Primary Care Office Visit No charge, $25 / $50 30% after deductible (Designated Network / Network) covered 100% Specialist Office Visit $50 / $80 $95 Copay 30% after deductible (Designated Network / Network) Diagnostic Lab and X-ray 20% after deductible 20% after deductible 30% after deductible Inpatient Hospital 20% after deductible 20% after deductible 30% after deductible Outpatient Surgery 20% after deductible 20% after deductible 30% after deductible Urgent Care $50 Copay $50 Copay 30% after deductible $400 Copay + 20% after Emergency Room $400 Copay 30% after deductible deductible UHC Pharmacy Benefits UHC $500 Deductible UHC $2,000 Deductible UHC HDHP with HSA In-Network In-Network In-Network Preventive Rx covered at Preventive RX Not Applicable Not Applicable 100% Generic $10 copay $10 copay $10 copay, after deductible Preferred Brand $35 copay $35 copay $35 copay, after deductible Non-preferred Brand $70 copay $70 copay $70 copay, after deductible 8

UHC ResourcesUHC Designated NetworkPay lower copays on the $500 Deductible Plan OptionChoosing a care provider can impact the quality and cost of care you receive. With UHC, they have made it easier for you to finddoctors who are right for you and your family.Studies show that people who actively engage in their healthcare decisions have fewer hospitalizations, fewer emergency visits, higherutilization of preventive care and overall lower medical costs.You can take an active part in your health by seeking out and choosing a Tier 1 (Designated Network) provider when you need care. Notonly can you be assured you are received great care, but you will be saving money while doing so!The Tier 1 (Designated Network) is designed so you pay less when you see a Tier 1 doctor or specialist. This list of Tier 1 providers isupdated annually!Preventive RxCovered in full on the High Deductible Health Plan (HDHP)Preventive care benefits are an essential part of a comprehensive healthcare plan, including preventive medications. If you arechoosing to enroll in the High Deductible Health Plan, effective January 1, 2023, preventive medications are covered in full, beginningon the first day. Below are a few examples of medical conditions for which medications would be included on the Preventive Rx DrugList.• Breast Cancer Prevention• Blood Clot/Platelet Therapy• High Blood Pressure• High Cholesterol• Organ Rejection – Immunosuppressant• Osteoporosis• Birth Defects – Prenatal Vitamins• Diabetes• Asthma/COPDFor a comprehensive list, please see the full preventive care formulary at http://LiveWise.info. Look for the Tier 1 blue dot when searching for a TIER 1 doctor on www.myuhc.com or the UHC app, and you may be surprised by how much you can save. Many of you are already seeing Tier 1 doctors!

UHC Resources (Continued)UHC Mental Health AssistanceEmployee Assistance Program (EAP)You have unlimited, 24/7 access to EAP specialists who can provide in person referrals to one of UHC’s 180,000 network cliniciansnationwide. In addition to confidential consultations and counseling, EAP has solutions to help address issues before they escalate,and legal and financial coaching. You can receive an annual referral for up to 3 face to face visits with an in-network EAP provider.SanvelloYou are eligible to receive premium access at no charge for Sanvello, an app created by psychologists empowering individuals to helpengage in activities that improve your mental health anytime, anywhere. The app includes daily mood tracking, coping tools, guidedjourneys personalized to YOUR NEEDS, and community support.Live and Work WellLiveandworkwell.com is a UHC site specifically designed to provide behavioral health support. There are 100s of articles, videos,interactive self-help programs, and other tools to assist you with the stresses of everyday life. You can also search to find behavioralhealth providers and get access to the EAP.UHC Perks and ProgramsSimplyEngagedYou can earn up to $200 for completing health and wellness activities. With SimplyEngaged, you can get rewarded for taking healthieractions. UHC has partnered with Rally, a digital platform for tracking health actions! For each health action you complete, you earn“Rally Coins” which can be redeemed for rewards. Complete the Health Survey and watch a video Complete a coaching program Complete a Biometric screening Complete a Virtual Visit Complete a Gym Check-InTo get started and learn more, go to myuhc.com > Health Resources > RallyApple Fitness +You can receive Apple Fitness + for 12 months at no additional charge. If you have an Apple Watch (series 3 or later) you can redeemthis offer. Those who were already subscribed to Apple Fitness + can get their next 12 months free of charge. Once activated, youwill have access to an on-demand library of workout classes, including high-intensity interval training (HIIT), strength, yoga, dance,core, cycling, treadmill (for running and walking), rowing, Pilates and mindful cooldown, along with music from Apple Music.PelotonYou can receive a Peloton Digital Membership at no cost if you are enrolled in medical and registered at myuhc.com. This will beavailable until June 30, 2023. The digital membership will give members the ability to access a large library of live and on demandfitness classes from expert instructors, right at their fingertips. If a member currently owns a Peloton and has the All-AccessMembership that pairs with their bike/tread, they will receive a credit in the same amount (a value of $155).Sign in to your myuhc.com account to get your access code. Contact your EAP 24/7 at (888) 887-4114 10

2023 EmployeeMedical RatesThe medical rates for active, full-time employees are effective from January 1, 2023, through December 31, 2023. Benefits are notavailable to part-time employees, except employees who average 30 or more hours per work week who are considered full-time for thepurposes of the Affordable Care Act (ACA).If paid bi-weekly, your rates will be adjusted accordingly. DBMG Employee Contribution (Per Pay Period) UHC $500 Deductible Plan Employee $80.00 Employee + Spouse $152.00 Employee + Child(ren) $150.00 Family $198.00 DBMG Employee Contribution (Per Pay Period) UHC $2,000 Deductible Plan Employee $26.00 Employee + Spouse $69.00 Employee + Child(ren) $66.00 Family $106.00 DBMG Employee Contribution (Per Pay Period) UHC HDHP with HSA Employee $12.00 Employee + Spouse $40.00 Employee + Child(ren) $38.00 Family $61.00 11

Know Where to GoTake control of your health care spending by using the best resources for your health concern or condition. Know when to seeyour primary care physician, visit a convenience clinic, or when to head to the emergency room. Make sure you’re getting themost for your money and time when it comes to your health care. Telehealth Use telehealth when you have a minor medical concern and need to see a doctor quickly from anywhere. With telehealth, you can speak to a doctor in just a few clicks on your smart phone or tablet. While your health care should always start with your primary care provider, telehealth is available when your doctor may not be and is less expensive than a typical office visit. Telehealth is designed for non-emergent medical problems such as cold or flu symptoms, allergies, sinus infections, or sprains. Primary Care Visit your primary care physician annually for a check-up, for treatment of a chronic condition, and any time you want to see a doctor who knows your history and has access to your medical records. Primary care physicians typically require appointments and are not available nights and weekends, so you’ll need to plan ahead. Remember, annual preventive care screenings with your primary care doctor are covered at no cost to you. Urgent Care Visit urgent care when you have a pressing medical concern, but not an emergency. Urgent care is the best fit for sprains, strains, minor broken bones, minor infections, small cuts that need a few stitches, minor burns and x-rays. Urgent care facilities are commonly open on nights and weekends. Plan ahead and find an urgent care close to you so that you have a plan for problems like these before they arise. Emergency Room Emergency rooms are designed to treat life-threatening incidents. However, the most-commonly diagnosed condition in ER patients is the common cold. This causes emergency rooms to become overcrowded and deliver care less efficiently because the are busy with patients who have routine illnesses and not emergencies. If you visit the emergency room when you are not having an emergency, you’ll have a long wait and you’ll pay the most out-of-pocket. So, make sure you only use this option when you are experiencing an emergency. 12

Health Savings AccountHow It WorksIf you enroll in the UHC HDHP plan, a Health Savings Account (HSA) will be automatically be opened for you through Health Equity.Contributions, earnings and withdrawals that are used for qualifying expenses are tax-free. Here’s how the account works:Make ContributionsYou can set aside pre-tax money through payroll deductions up to IRS limits. The 2023 IRS contributions limits are $3,850 for employee-only and $7,750 for all other coverage, plus $1,000 annual catch up contribution for those over age 55.NEW for 2023! - DBMG will be making an annual employer contribution of $400.00 (Employee only coverage) and $800.00 (Employee +dependents or Family coverage). The employer contribution will be split with deposits being made in January and in July. You must takethis into consideration when determining your maximum annual contribution. Total contributions (employee and employer) cannotexceed the IRS maximum.Use Your FundsYou can use your funds to pay for eligible medical, dental and vision costs now or in the future. View a full list of eligible expense atwww.irs.gov. You can pay for eligible expenses out-of-pocket and reimburse yourself from your HSA savings at a later date or, you canpay with a HSA debit card.Save your Funds. You can also use your account as a savings account. The account is yours, even if you leave the company, and yourfunds will roll over each year accruing interest tax-free. When your account balance reaches a specific threshold, you can invest yourfunds.Are you eligible?You are eligible to contribute to an HSA if:• You are enrolled in the HDHP medical plan• You are not covered by your spouse’s health plan or flexible spending account (FSA)• You are not eligible to be claimed as a dependent on someone else’s tax return• You are not enrolled in Medicare, TRICARE, TRICARE for life or received Veterans Administration BenefitsWondering how much to save?What you save in your HSA is up to you and your budget. Here are a few strategies:• To see the biggest tax advantage, max out your contributions up to the 2022 federal IRS limits.• To be prepared for a rainy day, set aside enough each month to fund the annual deductible or out-of-pocket maximum. That way, you have funds available should you be faced with big medical bills.• To simplify your savings, set aside $10 per paycheck per enrolled family member. For a family of four, that will give you about $1,000 set aside each year to help you cover the cost of an unexpected doctor’s visit or a monthly generic medication. 13

Flexible Spending AccountThe Flexible Spending Accounts (FSAs), administered through Health Equity, enable you to set aside money, on a pre-tax basis, into anaccount to pay for eligible health or dependent care expenses. By setting aside money pre-tax, which you would normally be spendingpost-tax, you save between 25% and 40% on your everyday expenses. You must re-enroll in this program each year. Health Care FSA Limited Medical FSA Dependent Care FSA Eligible Most medical, dental and vision Most dental and vision expenses Child daycare or after-school care Expenses expenses (such as health plan that are not covered by your expenses for a child under age 13 deductibles, copays, coinsurance, health plan (such as copays, or care for a spouse, or adult prescriptions, and other eligible coinsurance, deductibles and dependent, incapable of caring healthcare expenses). eyeglasses). for him or herself. Available to those enrolled on the HDHP with HSA plan. Annual $3,050 $3,050 $5,000 Contribution Must contribute at least $150, not If you are married and file Limits to exceed $3,050. Funds are separate tax returns, the available to use as of January 1. maximum you can contribute is $2,500. Benefit Reduces your taxable income. Saves on eligible expenses not Allows you to allocate savings covered by insurance. towards daycare while reducing your taxable income. Reduces your taxable income.Make Contributions Your set aside pre-tax money throughpayroll deductions up to the IRS limits, which helps to • In order to receive pre-tax dependent care benefits, bothreduce your taxable income. employee and spouse must be employed, be seeking employment or attending school full-time. If your spouseUse Your Funds You can pay for eligible expenses out-of- does not work or attend school full time, you are not eligiblepocket and reimburse yourself from your FSA savings at a for this benefit.later date or, you can pay with a convenient FSA debit card. • Your elections cannot be changed during the plan year,View a complete list of eligible funds at.irs.gov. unless you experience a qualifying life event. • If you have an open HSA, you are not eligible for an FSA, onlyDon’t Lose Your Funds The money you set aside must be the Limited Purpose FSA.used during the plan year – it will not roll over into youraccount. Any money left in the account will be forfeited. • Keep your receipts as proof that your expenses were eligible for IRS purposes. 14

Voluntary WorksiteWe are excited to continue to provide Voluntary Worksite benefits and have made a few changes and enhancements to ourofferings! What’s New or Changing? • Our new provider for all voluntary worksite benefits will now be Trustmark. • We’ve added Hospital Indemnity coverage! Please see below for more details below. • Another new benefit is the Universal Life with Living Benefits for long-term Care! Please see below for more details below.Voluntary Worksite benefits are intended to pay you cash directly to assist you in paying medical bills, living and other expenses whileout of work due to an accident, critical illness, cancer diagnosis or a hospital stay.Please see your LiveWise benefit site for full coverage details and rates. As a reminder, if you are interested in enrolling in thevoluntary worksite benefits, you must speak to a Benefits Education Specialist (BES). If you choose to keep your benefits with Mutualof Omaha, your will receive direct communications from Mutual of Omaha with portability options. Accident – Administered by Trustmark Accident insurance helps you pay for medical and other out-of-pocket costs that you may incur after an accidental injury. This includes emergency treatment, hospital stays, medical exams, as well as other expenses you may face such as transportation and lodging needs. The plan covers all accidents on and off the job. Critical Illness with Cancer – Administered by Trustmark This coverage pays a lump-sum benefit following the diagnosis of a critical illness, like a heart attack or stroke. Critical Illness insurance is supplemental coverage that can complement your health insurance and help cover your out-of-pocket expenses. Hospital Indemnity – Administered by Trustmark – NEW for 2023! Hospital Indemnity coverage serves as a companion to your medical benefits to take the financial sting out of a hospital stay. It provides you with a lump-sum benefit that can help you pay the costs from a hospital stay, your health plan deductible, or for any other out-of-pocket costs you may incur.Universal Life with Living Benefit for long-term Care – Administered by Trustmark - NEW for 2023!The Universal Life policy is permanent life insurance that has death protection to age 100 plus a cash value equal to the face amount. Ithas a unique feature called the Living Benefit for long-term Care Rider that provides coverage for long-term care if an individual is unableto perform two activities of daily living like feeding yourself or bathing yourself. Spouse and child coverage is also available. NEW!NEW OFFERINGS! 15

Dental There are no changes to the dental plan, or rates, for the 2023 plan year! Although Delta Dental allows you to visit any provider you like, staying in the PPO Network and Premier Network will provide you with the highest level of benefits. Non-network providers can balance bill you for an amount above what is considered “Reasonable & Customary.” Find a dentist at deltadentalaz.com or call (800) 352-6132. The deductibles, copays and coinsurance shown below are your responsibility. Delta Dental PPO In-Network Annual Deductible $50 / $150 (Individual / Family) Annual Maximum $1,500 per person (Includes Preventive, Basic and Major Services) Diagnostic and Preventive No charge, covered at 100% Basic Services 20% Major Services 50% Orthodontia 50% (Adults and Children) Orthodontia Lifetime Maximum $2,000 per person Employee Contributions (Per Week) Employee $3.00 Employee + Spouse $5.85 Employee + Child(ren) $5.78 Family $9.42 REMINDER!! Our plan allows for 3 FREE cleanings per year! 16

VisionThere are no changes to the vision plan, or rates, for the 2023 plan year! You will continue to have access to a broad network ofindependent providers including LensCrafters®, Target Optical®, JCPenney Optical® and most Pearle Vision® locations. For a completelist of providers near you, use the Provider Locator on eyemed.com and choose the Access Network or call (866) 4-EYEMED. Theamounts shown below are your responsibility. EyeMed Vision In-Network Exam $10 copay Frames $150 allowance + 20% off balance Single Vision Lenses $10 copay Bifocal Lenses $10 copay Trifocal Lenses $10 copay Medically Necessary Contact Lenses $0 copay Elective Contact Lenses $150 allowance + 15% off balance (In lieu of glasses) Frequency Exam 12 months Lenses 12 months Frames 24 months Employee Contributions (Per Week) Employee $1.41 Employee + Spouse $2.44 Employee + Child(ren) $2.57 Family $4.05 17

Life and DisabilityLIFE INSURANCECompany-Paid Basic Life and AD&D – Administered by Mutual of OmahaDBMG provides a flat Basic Life insurance benefit of $50,000. If your death is caused by an accident, the plan includes an AccidentalDeath and Dismemberment (AD&D) feature that pays an additional $50,000, doubling your benefit amount.Voluntary Life and AD&D – Administered by Mutual of OmahaIn addition to the Basic Life insurance coverage provided by DBMG, you may choose to buy additional Voluntary Life and AD&Dcoverage for you and your family. As a reminder, Voluntary Life and AD&D is not an Open Enrollment benefit. If you did not enrollwhen you were first eligible you will be required to go through medical underwriting. Please see your benefits team to obtain anEvidence of Insurability (EOI) Form. Employees must elect voluntary life in order for dependents to participate.• Employee: Increments of $10,000 up to $500,000 - Employee Guarantee Issue Amount: $200,000 for new enrollees• Spouse: Increments of $5,000 up to $250,000 - Spouse Guarantee Issue Amount: $50,000 for new enrollees• Child(ren): $5,000 or $10,000DISABILITY INSURANCECompany-Paid Short-Term Disability – Administered by Mutual of OmahaSTD coverage pays you a benefit if you temporarily can't work because of an injury, illness or maternity leave. Benefits may be reducedby income from other income sources such as paid time off. Your doctor and the insurance company will work together to determinehow long benefits are payable, based on your condition. To elect coverage, pre-existing conditions and medical underwriting will apply.Please see Human Resources for an Evidence of Insurability (EOI) Form.• Weekly Benefit: 50% of your total weekly earnings up to $500 • You have the option to purchase an additional 20% of coverage for a total STD benefit of 70% of your weekly earnings up to $1,000• Benefits begin on the 8th day of disability• Maximum Payment Period: 26 weeksVoluntary Long-Term Disability – Administered by Mutual of OmahaLTD coverage pays you a certain percentage of your income if you can't work because an injury or illness prevents you from performingany of your job functions over a long period of time. It's important to know that benefits are reduced by income from other benefitsyou might receive while disabled, like workers' compensation and Social Security. LTD coverage is a voluntary benefit and is paid in fullby you.• Monthly Benefit: 60% of your monthly earnings up to $10,000• Benefits begin after 180 days• Benefit Duration (if disabled prior to age 62): Benefits continue until age 65 if you remain disabled.• Benefit Duration (if disabled at age 62 or older): Benefits continue until your Social Security Normal Retirement Age if you remain disabled. 18

Mutual ofOmaha ResourcesEmployee Assistance ProgramWe know you work hard to support yourself and your family. We also know that life doesn’t always go according to plan. That’s whywe are pleased to offer a vitally important benefit called the Employee Assistance Program (EAP).Employees can receive up to six (6) FREE face-to-face counseling sessions in the area you live. It even includes additional services likelegal/financial advice and help finding childcare, all to help you manage your busy lifestyle.Will PreparationCreating a will is an important investment in your future. It specifies how you want your possessions to be distributed after your death.Whether you’re single, married, have children or are a grandparent, your will should be tailored for your life situation.You have access to the following free documents:• Last Will and Testament• Power of Attorney• Healthcare Directive• Living TrustThis free online interactive tool helps you and your family members create a will and other legal documents.Worldwide Travel AssistanceWhen you travel 100 miles or more from home on company business or vacation, emergency medical and travel services are available.Translation / interpretation services, and emergency medical evacuation assistance are some of the services available to you.• For Inquiries within the U.S. call toll free: 800-856-9947• For inquires outside of the U.S. call collect: 312-935-3658 Get help 24/7/365 by calling (800) 316-2796 or visiting mutualofomaha.com/eap 19

Additional BenefitsInfoArmor Identity Theft and Credit Protection Through Chubb Accident & Health, you have access to 24/7InfoArmor is an identity theft protection and credit Business Travel Accident insurance. This coverage can help fillmonitoring service. It detects high-risk activity to alert you at coverage gaps, at home and abroad, by providing travelthe first sign of fraud. If you fall victim to fraud, InfoArmor will assistance and services, which range from lost luggage tohelp restore your identity and provides a $1 million identity identity theft to medical and legal referrals, emergencytheft insurance policy to cover any out-of-pocket expenses, transportation, and even dispatching medical specialists. Youlost wages, or legal fees. The InfoArmor online portal at also receive services for medical evacuation and repatriationinfoarmor.com allows you to add family members for and out-of-country medical coverages.additional piece of mind. This insurance also covers the traditional AD&D coverage,Weekly Costs which pays a lump sum for accident loss of life, limb, sight,Employee only: $2.30 speech or hearing. Visit chubb.com/claims/accident-Family: $4.14 health.html for more information or call (800) 252-4670. You can find the full plan summary with details on Paycom.Nationwide Pet InsuranceDBMG is pleased to continue offering Nationwide Pet Working AdvantageInsurance. This is a great way to demonstrate how much you Working Advantage is a discount program that can help youvalue every member of your family – even the four-legged save up to 60% on tickets, travel and shopping. Exclusiveones. discounts include:Easy Enrollment • Entertainment: movie tickets, theme parks, hotels,There are three simple ways for you to sign up for the museums, zoos and morevoluntary pet insurance benefit: • Theatre and Events: Broadway shows, family events, concerts and sporting events1. Go directly to the dedicated website we've created: • Shopping and Gifts: select online retailers for apparel, https://benefits.petinsurance.com/ books, music, electronics, flowers and more DBMGlobal-GrayWolf2. Visit PetsNationwide.com and enter the company name: Visit workingadvantage.com for more information. You must DBMGlobal-GrayWolf register first by clicking “Employees Click Here” and then enter3. Call (877) 738-7874 and mention you are an employee of Member ID # 572475466. DBMG to receive preferred pricing. Verizon WirelessYou can then select the species (dog or cat)*, provide your zip You may be eligible for an 18% discount from Verizoncode and pick your plan! Wireless. Start by logging on to verizonwireless.com/discounts. Verizon requires validation of*To enroll your bird, rabbit, reptile or other exotic pet, please your employment at DBMG in two ways: your email addresscall (888) 889-4874 or paystub/other proof of employment or affiliation. VisitGlobalFit http://bit.ly/EmpDiscount for Discounts and EmploymentDBMG has partnered with GlobalFit to give you direct access Validation FAQs.on savings and convenient terms for thousands of gymsacross the country. This includes big chains and local favorites.You’ll get exclusive member discounts on a variety ofnutrition programs and home equipment, includingNutriSystem, Total Gym and Zumba DVDs. Visitglobalfit.com/DBMGlobal or call (800) 294-1500.Business Travel Accident Insurance –Company Paid Benefit 20

401K PlanWhen you join the 401(k) plan, your contributions and investment earnings all work toward the same goal:a secure financial future.EligibilityYou are automatically enrolled at 6% of your salary in the 401(k) plan, approximately 30 days from your date of hire. You may changeyour contribution rate at any time. You are fully vested after 2 years of employment.Growing Your Account BalanceContributionsYou can contribute from 1% - 100% of your pay to the Plan (up to $22,500 for 2023). If you turn age 50 during the year, you cancontribute an additional $7,500 to the Plan in 2023.Roth 401(k)Allows you to save money in your retirement account through payroll deductions on an after-tax basis. This means that you pay currenttaxes in the year contributions are made, and withdrawals of earnings and contributions are income tax free, provided you are at leastage 59 ½ and the account has been open for at least five years.Employer MatchThe company matches 100% of the first 3% you contribute, and 50% of the next 2% you contribute. Please note, you must be employedfor at least 2 years to keep any company matching contributions.InvestmentsYou have a variety of investments to choose from. You can either “build your own portfolio”, select a “pre-built portfolio,” which is aninvestment option that is based on your expected retirement age (called “Target Date Funds”), or you can select the plan’sprofessionally managed investment solution (called “Target My Retirement”).To Manage Your Account or EnrollGo to www.principal.com or contact the Principal Customer Service Center at (800) 547-7754. 21

2023 Holiday ScheduleObserved HolidaysDBMG observes the following holidays each year:• New Year’s Day – January 2• Memorial Day – May 29• Independence Day – July 4• Labor Day – September 4• Thanksgiving – November 23• Day after Thanksgiving – November 24• Christmas Eve/Christmas Day – Observed December 25 and 26 22

Important ContactsNavigating your benefits can be confusing, but it doesn’t have to be! Your benefits team is here for you. If you have questions aboutwho to contact, call the DBMG Benefits Team first and we will point you in the right direction to get the quality customer assistanceyou need. Otherwise, you can contact any of the providers listed below. PROVIDER / BENEFIT PHONE NUMBER WEBSITE UnitedHealthcare (866) 633-2446 myuhc.com Medical and Pharmacy Delta Dental (800) 352-6132 deltadentalaz.com Dental EyeMed (866) 723-0513 eyemed.com Vision Mutual of Omaha Life and AD&D (800) 775-8805 mutualofomaha.com short-term Disability mutualofomaaha.com/eoi Family Medical Leave Employee Assistance Program EAP: (800) 316-2796 mutualofomaha.com/eap Trustmark Accident Critical Illness (800) 918-8877 TrustmarkVB.com Hospital Indemnity NEW! Universal Life with LTC NEW! Health Equity Health Savings Account (HSA) Healthcare FSA (866) 346-5800 myhealthequity.com Limited Medical FSA Dependent Care FSA ADDITIONAL BENEFITS InfoArmor (800) 789-2720 infoarmor.com Identity Theft Protection Nationwide (877) 738-7874 PetsNationwide.com Pet Insurance Principal (800) 547-7754 principal.com 401(k) Global Fit (800) 294-1500 globalfit.com/DBMGlobal Gym Discounts Working Advantage (800) 563-3712 workingadvantage.com Ticket, Travel & Shopping Discounts Verizon Wireless Discount Program (800) 775-8098 verizonwireless.com/discounts DBMG Benefits Team benefits@DBMGlobal.com 23 (844) 200-7392

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