Corporate Benefits

INSURANCE

Medical and Dental Insurance

Company Self Funded Insurance Plan, TPA (Third Party Administrator) is Group Administrators Ltd, 450 East Remington Road, Schaumburg, Illinois, 60173 (website: www.groupadministrators.com). Hours of operation 8:00 a.m. to 5:00 p.m., Central Standard Time. Group Administrators, Ltd. will be processing all claims. A list of participating physicians in the network can be found by accessing www.multiplan.com.

Application Forms must be completed within 30 days of new hire date. ID Cards will be received within 14 days of enrollment into the plan.

The benefits include:

A PPO Plan

$50.00 per month €“ Single employee premium
$75.00 per month €“ Family coverage premium
$20.00 Co-pay per office visit
$200 Co-pay emergency room visit

Prescription Drug €“ Three Tiers

$5 generic
$15 preferred brand names
$50 non-preferred brand names
(website: www.pharmacare.com)

Vision Insurance

Vision Service Plan (VSP) €“ Premium included in medical and dental. Application Forms must be completed within 30 days of new hire date. No ID Cards are needed. Network of eye care providers are listed on www.vsp.com

Employee Life Insurance

Mutual of Omaha (This is a Company paid benefit). Application Form must be completed within 30 days of new hire date.
1 1/2-x salary up to $100,000.00

Short & Long-Term Disability

Unum Provident (Employee Contribution Required). Application Form must be completed within 30 days of new hire date. 60% of Regular Pay €“ capped at $5,000 per month. This is elective coverage, the premium split between employee and the company.

Flexible Spending Account

FlexBen and Dependent Care Account. New hires can enroll after 1 year of service. Application Forms are available from the HR department. There is a $2,000.00 annual maximum on health and $5,000.00 annual maximum on dependent care.

RETIREMENT BENEFITS

401(K)/Profit Sharing - Fidelity Investments

The Plan was established November 1, 1994. It is a defined contribution plan covering eligible employees who have completed at least six months of service. You may join the plan only during open enrollment periods, which are currently designated as January 1, April 1, July 1, and October 1. The Plan€™s 401(k) component permits plan participants to direct their voluntary contributions as well as the company€™s match contributions to be deposited into various investment funds. The Plan€™s Profit Sharing component represents discretionary contributions determined by the Company, which are also deposited into investment funds as directed by the participant. The Plan is subject to the provisions of the Employee Retirement Income Security Act of 1974 (€śERISA€ť).

Contributions

Each year, participants may contribute up to 80% of their annual compensation not to exceed IRS limits. The company may at its discretion contribute a matching contribution. Additional employer contributions are made at the discretion of the company. All contributions are subject to certain limitations, as described in the plan agreement and per IRS guidelines.

Vesting

Participants are immediately vested in their elective contributions plus actual earnings thereon. Vesting in the employer€™s matching and discretionary contributions portion of their accounts plus actual earnings thereon is based on years of service. A participant is fully vested after 3 years of service.

Rollovers

Employees may rollover amounts from other defined contribution plans.

VACATION

Regular full-time employees are eligible to earn and use vacation time. The amount of paid vacation time employees receive each year increases with the length of their employment. If an employee takes a leave of absence, resigns their position, or is discharged before the end of the calendar year in which vacation has been granted and/or used, the employee will be paid out a prorated amount. If vacation has been used that has not yet been earned, a prorated amount will be deducted from the employee€™s final pay.

0-1 year 1-year 2-8 years 9-14 years 15-19 years 20 or more years

Prorated based on date of hire 5 days 10 days 15 days 20 days 25 days

SICK LEAVE

Regular Fulltime employees can earn up to six days per year. Employees can accumulate up to 30 days maximum.

HOLIDAYS

Regular Fulltime employees are eligible for approximately ten holidays per year.

RELOCATION

Only exempt regular full-time employees are generally eligible for relocation benefits. All relocation benefits must be approved by the president of the company.

For more information regarding any of these benefits you may contact the Human Resources Department at 1-800-685-5638 and dial one of the following extensions:

Extension	Name	Department
8221	Renita Edwards	401K & Profit Sharing
8219	Dawn Hanson	Payroll
8218	LaVonda Weber	Medical & Dental Benefits, Vision, Flexible Spending, Disability & Life Insurance
8217	Shirley Williams	Vacation & Sick Time