Employee Benefits - Summary DRB Group - Plan Year 8/1/26-7/31/2027

MEDICAL INSURANCE and PRESCRIPTION DRUGS, and Health Savings Account (HSA) DRB Group currently offers regular full-time employees health and prescription coverage provided by United Healthcare (UHC). To accommodate the various needs of our employees, four health care plans are offered, one of which includes a Health Savings Account. An employee that elects the UHC Choice $5,000 High Deductible plan will be enrolled in a Health Savings Account (HSA) with UHC/Optum bank. DRB will contribute $1,000 annually to your HSA account at the rate of $41.67 per paycheck, or for new hires the first paycheck following 30 days of employment. An Employee who elects the UHC Choice Plus $1,500 or Choice Plus Premium $750 plan has access to in and out of network providers. An Employee who elects the Surest C 6,000 plan will have in-network benefits with no deductible or coinsurance. If elected, coverage will be effective the first of the month following 30 days of employment. Medical plan costs are deducted on a pre-tax basis.

VOLUNTARY SUPPLEMENTAL INSURANCE DRB Group offers supplemental health benefits for extra financial support for you and your family. The plans offered include Accidental, Critical Illness, and Hospital Care Insurance. The plans are fully funded by the employee and offered at a discounted group rate. If elected, overage will be effective the first of the month following 30 days of employment.

DENTAL INSURANCE United Healthcare Plus DPPO plan provides its members with a strong dental network. In Network participating dentists charge fees that cannot exceed negotiated plan allowances. Certain orthodontic services for children and adults are also provided with the Plus plan. UHC Dental also offers a Basic DPPO plan. This plan has lower premiums, and coverage levels. If elected, coverage will be effective the first of the month following 30 days of employment. Dental plan costs are deducted on a pre-tax basis.

VISION INSURANCE United Healthcare provides its members with a large vision network. Various discounts and benefits for glasses, contacts, frames and Lasik! If elected, overage will be effective the first of the month following 30 days of employment. Vision plan costs are deducted on a pre-tax basis.

FLEXIBLE SPENDING ACCOUNT Regular full time employees are eligible to participate in a pre-tax Flexible Spending Account. The account can be used to pay eligible medical, dental, vision and prescription expenses. If elected, coverage will be effective the first of the month following 30 days of employment. (Employees enrolled in the HDHP– HSA plan are not eligible to enroll in the FSA.)

LIFE INSURANCE DRB Group provides a Basic Life benefit of $25,000 to eligible employees through UHC. This benefit will be paid to your designated beneficiary in the event of a covered death. The premiums for this benefit are paid for by DRB.

VOLUNTARY LIFE & ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE DRB Group offers regular full time employees Voluntary Life & AD&D options through UHC. These plans are fully funded by the employee and offered at discounted group rates. Employees can elect coverage up to $250,000 without answering medical questions. Supplemental life and AD&D insurance may also be purchased for the employee’s spouse and eligible children. If elected, overage will be effective the first of the month following 30 days of employment.

SHORT TERM / LONG TERM DISABILITY DRB Group offers Short-Term and Long-Term Disability coverage to regular full-time employees. Disability insurance replaces some of the employee’s income should they be unable to work due to a disability. These plans are fully funded by the employee and are offered at discounted group rates. If elected, overage will be effective the first of the month following 30 days of employment.

DRB ENTERPRISES, LLC 401(k) RETIREMENT PLAN The DRB Enterprises, LLC 401(k) retirement plan is a Pre-tax or Roth after tax deferred program to which both participating employees and the company contribute. The company match on employee deferrals begins after one year of employment and 1,000 hours worked, at which point the company will match dollar for dollar up to 5% of eligible compensation. Once you are eligible, the matching contribution will be determined on a payroll period basis. You will only receive a match for income earned after you become eligible and if you are contributing to the plan. DRB 401(k) plan enrollment period begins on the 1st of the month following/coinciding with 1 month of service. Employees can enroll at any time after the enrollment period begins and change their deferrals and investment options as often as they see fit.

COMPANY HOLIDAYS DRB Group provides holiday pay to all regular full-time employees. Production & Office Staff receive the following holidays: New Year’s Day, Good Friday, Memorial Day, Independence Day, Labor Day, Thanksgiving Day, day after Thanksgiving, Christmas Eve, and Christmas Day. Sales employees receive: New Year’s Day, Easter, Memorial Day, Independence Day, Labor Day, Thanksgiving Day, Christmas Eve, and Christmas Day.

TIME OFF FROM WORK The Company recognizes that employees have diverse needs for time off from work and in doing so the company has established a policy to meet those needs. Regular full time and part time employees accrue paid time off (PTO). Sales Consultants accrue unpaid scheduled time off (STO). Accrued leave can be used for approved vacation, sick time, or other approved reasons. PTO/STO accrual rates are based on position and tenure . In their first year, Directors and above accrue 160 hours of PTO, other regular FT employees accrue 144 hours of PTO and regular PT employees earn 40 hours of PTO. Sales personnel accrue 144 hours of STO in their first year. PTO/STO accruals are available for use in the pay period following completion of 60 days of employment. (In states requiring paid sick time, accrued time off may be split between PTO/STO and sick pay.)

TUITION REIMBURSEMENT PROGRAM DRB Group’s tuition reimbursement program is designed to support employees who wish to continue their education in fields that will benefit their personal development. This can include credit courses, continuing education courses, seminars, and certification test. This benefit is available after one year of employment.

EMPLOYEE HOME PURCHASE DISCOUNT PROGRAM DRB Group offers an exclusive home purchase discount of 5% off the net sales price, up to a maximum of
$25,000. This benefit is available after one year of employment.