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Medical Insurance JE Dunn offers two medical insurance options, BlueSaver and PersonalBlue, under the same nationwide Blue Cross / Blue Shield network. Both options provide 100% coverage for routine preventive care services from in-network physicians.

Medical Plan Highlights (In-network): Plan

Plan Features

BlueSaver Options • Lower Premiums with a higher deductible —Pay less now, pay more if need services • Eligible for HSA as well a Medical Flex

PersonalBlue Option • Higher Premiums with a lower deductible —Pay more now, pay less if need services • JE Dunn funded PCA account reduces deductible • Only eligible for Medical Flex

Monthly Premiums Employee Only

$110

$155

Employee + Spouse

$175

$290

Employee + Child(ren)

$160

$265

Family

$250

$420

Annual Deductible Employee Only

$2,000

$1,800 for Employee Only (less JE Dunn’s $500 PCA contribution)

Employee + Spouse

$4,000 aggregate

V

Employee + Child(ren)

$4,000 aggregate

$3,600 total (up to $1,800 per family member) for Employee + Spouse (less JE Dunn’s $1,000 PCA contribution)

Family

$4,800 aggregate

$4,600 total (up to $1,800 per family member) for Family (less JE Dunn’s $1,250 PCA contribution)

Co-Insurance

You pay 20% of in-network services after deductible

You pay 20% of in-network services after deductible

Prescription Drug Coverage

Rx copays (see the Rx section) only apply *after* BlueSaver deductible is met

Rx copays (see the Rx section) apply to your very first prescription under the PersonalBlue option

*Monthly premiums listed can be reduced by $50 per month if you qualify for JE Dunn’s tobacco-free discount

Disclaimer: This document summarizes benefits payable under various Plans, and is for illustrative purposes only. Nothing in this document should be construed to provide a guarantee of employment or benefits in any way, shape, or form, now or in the future. If there is any discrepancy between the information contained in this summary and each Plan Document, the Plan Document will govern.


Do you take regular medications?

PersonalBlue might be better because you get first-dollar Rx coverage in PersonalBlue Don’t go to the doctor for other than preventive care? BlueSaver might be better because you can save on premiums and use the premium savings to fund your HSA that can pay for future medical care

Enrollment/Contact Information: • Action required only if you want to enroll • Medical enrollment is completed through Workterra: https:\ \jedunn.workterra.net To find an in-network BCBS provider or get help with the Medical plan, contact the free, confidential Compass service at 1-800-513-1667 or answers@compassphs.com, or BCBS directly at www.myhealthtoolkitkc.com or 1 (888) 495-9340 See the JE Dunn Portal for complete plan details Questions or issues? Contact benefits@jedunn.com or (816) 581-3660

Disclaimer: This document summarizes benefits payable under various Plans, and is for illustrative purposes only. Nothing in this document should be construed to provide a guarantee of employment or benefits in any way, shape, or form, now or in the future. If there is any discrepancy between the information contained in this summary and each Plan Document, the Plan Document will govern.


Prescription Drugs JE Dunn Pharmacy benefits are through MedTrakRx, and is automatically included as part of the BCBS coverage you elect.

Prescription Plan Highlights: RX Type Type 1 – Generic Type 2 – Preferred Brand Type 3 – Non-preferred Brand 50% ($50 min/$150 max)

RX CoPays 10% ($5 min/$25 max) 30% ($25 min/$75 max)

50% ($50 min/$150 max)

Type 4 - Specialty

50% ($200 max)

Key Takeaways: • JE Dunn’s Rx copays are percentages, meaning you’re better off paying the lowest cost for medications you need. For help in finding the lowest cost medications, contact MedTrakRx representatives, or the free, confidential, Compass service. • Employees covered on JE Dunn’s medical plan receive MedTrakRx Pharmacy insurance cards separately from the BCBS medical cards • Only the employee/Policy Holder’s name is on the card but any dependent on the plan can use the card

Contact Information: • If you enroll in BCBS medical insurance, you’ll be automatically enrolled in prescription drug coverage with MedTrakRx • To find an in-network MedTrakRx pharmacy prescription drug coverage of the medical plan, contact MedTrakRx at www.medtrakrx.com or 1(800) 771-4648, or use the free, confidential Compass service at 1-800-513-1667 or answers@compassphs.com • See the JE Dunn Portal for complete plan details • Questions or issues? Contact benefits@jedunn.com or (816) 581-3660

Disclaimer: This document summarizes benefits payable under various Plans, and is for illustrative purposes only. Nothing in this document should be construed to provide a guarantee of employment or benefits in any way, shape, or form, now or in the future. If there is any discrepancy between the information contained in this summary and each Plan Document, the Plan Document will govern.


Medical Flexible Spending Account (Medical Flex)

A way to save taxes on money you’re spending on qualified medical, dental, or vision out-of-pocket expenses during a calendar year.

Key Takeaways: • If you expect to spend at least $500 in out-of-pocket medical expenses during the year, and are enrolled in the PersonalBlue medical option, it might make sense to enroll in Medical Flex • You contribute Medical Flex money before taxes are calculated allowing for tax savings depending on your tax bracket • The full value of your “pledge” is available right away, so you don’t have to fund the account before you can get reimbursed for eligible expenses • The most you can pledge is $2,550 for the year. • You must use funds for claims incurred during the year or you will forfeit funds over $500 because to $500 of un-used funds are rolled-over into the next calendar year • Can get a “Benny” Flexible Spending debit card provides convenient access to Medical Flex funds; can also manually request reimbursement with funds direct deposited • Once you elect your pledge amount for the year, you cannot change it unless you incur an IRS “Qualifying Event” like birth, marriage, divorce, etc. • Participants are always encouraged to save receipts because compliance with IRS rules for Flex reimbursement is always the responsibility of the participant

Enrollment/Contact Information: • Action required only if you want to enroll • Is completed Enrollment through Workterra: https:\\jedunn.workterra.net • See the JE Dunn Portal for complete plan details • Questions or issues? Contact benefits@jedunn.com or (816) 581-3660

Disclaimer: This document summarizes benefits payable under various Plans, and is for illustrative purposes only. Nothing in this document should be construed to provide a guarantee of employment or benefits in any way, shape, or form, now or in the future. If there is any discrepancy between the information contained in this summary and each Plan Document, the Plan Document will govern.


Health Savings Account (HSA) A personal, portable, account that allows you to save taxes on money you’re spending on qualified medical, dental, or vision out-of-pocket expenses now or in the future if enrolled in JE Dunn’s HSA-eligible medical option.

Key Takeaways: • BlueSaver Medical enrollment must be approved and implemented for HSA eligibility • Contribute HSA money before taxes are calculated allowing for tax savings depending on your tax bracket • You have to fund the HSA before you can get reimbursed for eligible expenses • Maximum Contribution: —Employee Only: $3,350 —Other Coverage tiers: $6,750 —If over 55, can also contribute a $1,000 “catch-up” contribution

*A Limited Purpose Flexible Spending Account option is also available for participants in the BlueSaver Medical Plan who also enroll in the HSA. This FSA is limited to dental and vision expenses only. For additional information, please contact the JE Dunn Benefits team.

Enrollment/Contact Information • Action required only if you want to enroll • Enrollment is completed through Workterra: https:\\jedunn.workterra.net • www.alerusrb.com or 1(800) 495-4015 • MetLife Group #: 116665/306717 • See the JE Dunn Portal for complete plan details • Questions or issues? Contact benefits@jedunn.com or (816) 581-3660

Disclaimer: This document summarizes benefits payable under various Plans, and is for illustrative purposes only. Nothing in this document should be construed to provide a guarantee of employment or benefits in any way, shape, or form, now or in the future. If there is any discrepancy between the information contained in this summary and each Plan Document, the Plan Document will govern.


Dental Insurance JE Dunn offers two dental insurance options, Copay and Traditional, under the nationwide MetLife network.

Dental Plan Highlights: Plan

Plan Features

CoPay Options

Traditional Option

• Lower Premiums

• Higher Premiums

• Pay fixed costs for services (costs vary by service and location)

• Pay a percentage of the cost if you do need services

• $5 preventive visits 2x per year

• $0 preventive visits 2x per year

• $1,500 Maximum annual benefit

• $2,000 Maximum annual benefit

• $1,000 Orthodontia lifetime benefit for children 18 and under

• $1,500 Orthodontia lifetime benefit for children 18 and under

Premiums

Monthly Premiums

Employee Only

$10

Monthly Premiums $15

Employee + Spouse

$22

$27

Employee + Child(ren)

$25

$25

Family

$35

$45

Key Takeaways: • Both dental options use the same extensive network of MetLife Preferred Dental Providers —The CoPay option might be best if you only go for routine cleanings —The Traditional option might be best if you go to a dentist that is *not* in the MetLife network or if you have a dependent 18 and under who needs braces • You will always get the best benefits by going to a MetLife dentist • MetLife does not issue ID cards to participants, but you can print one off the portal yourself at any time

Enrollment/Contact Information • Action required only if you want to enroll • Dental enrollment is completed through Workterra: https:\\jedunn.workterra.net • To find a MetLife dentist or get help with the Dental plan, contact the free, confidential Compass service at 1-800-513-1667 or answers@compassphs.com, or MetLife directly at www.metlife.com/mybenefits or 1-800-942-0854 • MetLife Group #: 116665/306717 • See the JE Dunn Portal for complete plan details • Questions or issues? Contact benefits@jedunn.com or (816) 581-3660 Disclaimer: This document summarizes benefits payable under various Plans, and is for illustrative purposes only. Nothing in this document should be construed to provide a guarantee of employment or benefits in any way, shape, or form, now or in the future. If there is any discrepancy between the information contained in this summary and each Plan Document, the Plan Document will govern.


Vision Insurance JE Dunn offers vision insurance through Davis Vision. Davis Vision offers a strong, nationwide network of providers, as well as great benefits for eye exams, eye glasses and contact lenses, for low premiums.

Vision Plan Highlights: Coverage Level

Monthly Premium $6.32

Employee Only

Employee + Spouse

$12.26

Employee + Child(ren)

$15.86

Family

$19.44

Key Takeaways: • If you know you’ll need contacts or eyeglasses, JE Dunn’s vision insurance can provide valuable benefits.

Service

Without Davis Vision

With Davis Vision

$103

$10

$116

$25

$25

$0

$110

$65

Frame

$160

$0

Total

$514

$100

Eye Examination Lenses: Bifocals Scratch-Resistant Coating Transitions

Enrollment/Contact Information: • Action required only if you want to enroll • Vision enrollment is completed through Workterra: https:\\jedunn.workterra.net • To find a Davis Vision provider or get help with the Vision plan, contact the free, confidential Compass service at 1-800-513-1667 or answers@compassphs.com, or Davis Vision directly at www.davisvision.com or 1(800) 999-5431 • Client Code #2730 • See the JE Dunn Portal for complete vision plan details • Questions or issues? Contact benefits@jedunn.com or (816) 581-3660

Disclaimer: This document summarizes benefits payable under various Plans, and is for illustrative purposes only. Nothing in this document should be construed to provide a guarantee of employment or benefits in any way, shape, or form, now or in the future. If there is any discrepancy between the information contained in this summary and each Plan Document, the Plan Document will govern.


Life Insurance Company-paid and supplemental life insurance provide additional financial security in the event something happening to you or your loved ones. JE Dunn pays for basic life insurance through Cigna. Additional supplemental and dependent life insurance is also available through Cigna. Paying for supplemental life insurance is convenient with automatic payroll deductions.

Key Takeaways Basic Life Insurance: • Basic life insurance is 100% paid by JE Dunn in the amount of 1 times your base salary up to a maximum of $150,000 • JE Dunn also pays for Accidental Death and Dismemberment insurance (AD&D) in the same amount.

Key Takeaways Supplemental Life Insurance: • Maximum Employee Supplemental Life Insurance: —Guarantee issue in increments of $10,000 up to $200,000 without evidence of insurability —Up to $500,000 with proof of good health • Can also purchase supplemental Accidental Death and Dismemberment (AD&D) on yourself • Spouse Supplemental Life Insurance: —Guarantee issue in increments of $5,000 up to $75,000 (and no more than 50% of employee supplemental life amount) without evidence of insurability —Up to $250,000 with proof of good health • Child Supplemental Life for any/all your dependent children —Fixed rates for $1,000, $5,000, or $10,000 in coverage per child

Enrollment/Contact Information: • If you are eligible, you are automatically enrolled in Company-paid life insurance • Supplemental Life Insurance enrollment is completed through Workterra: https:\\jedunn.workterra.net • You can get information from Cigna directly at www.cigna.com or 1(800) 732-1603 • See the JE Dunn Portal for complete vision plan details • Questions or issues? Contact benefits@jedunn.com or (816) 581-3660

Disclaimer: This document summarizes benefits payable under various Plans, and is for illustrative purposes only. Nothing in this document should be construed to provide a guarantee of employment or benefits in any way, shape, or form, now or in the future. If there is any discrepancy between the information contained in this summary and each Plan Document, the Plan Document will govern.


Disability Insurance JE Dunn offers both Short-Term and Long-Term Disability insurance through Cigna to provide significant income protection to you and your family in case of disability.

Key Takeaways Basic Life Insurance: • Short-term disability (STD) has a 7 day elimination before any STD benefits are payable • If approved for STD, you can receive the first 30 calendar days of disability at 100% of your base salary • The next 53 days of STD, if approved, pay at 60% —Use Emergency Absence (non-exempt) or Administrative Leave (exempt) to make up time • Family Medical Leave (FML) may run concurrently with any STD claim and provides up to 12-weeks of un-paid, job protected leave • You can be approved for Long-Term Disability (LTD) after 90 days of approved Short-Term Disability • If approved for LTD, you receive 60% of base salary from Cigna for as long as you are disabled • JE Dunn pays all the STD and LTD premiums on your behalf • You can make an election to be taxed on the value of the premiums JE Dunn pays on your behalf —If you choose to be taxed on the value of premiums JE Dunn pays while you work, any long-term disability benefits you receive are not taxable income

Enrollment/Contact Information: • The LTD taxation election is completed through Workterra: https:\\jedunn.workterra.net • Disability claims are initiated through Cigna’s telephonic intake line: (800) 362-4462 Cigna telephonic intake form is available on the Portal here. • See the JE Dunn Portal for complete STD and LTD plan details • Questions or issues? Contact your Regional HR representative, or benefits@jedunn.com or (816) 581-3660

Disclaimer: This document summarizes benefits payable under various Plans, and is for illustrative purposes only. Nothing in this document should be construed to provide a guarantee of employment or benefits in any way, shape, or form, now or in the future. If there is any discrepancy between the information contained in this summary and each Plan Document, the Plan Document will govern.


Dependent Care Flexible Spending Account (Dependent FSA) A way to save taxes on money you’re spending on qualified child care or similar expenses during a calendar year. (Note that medical expenses for dependent children are covered by Medical Flex NOT Dependent Care Flex.)

Key Takeaways: • Contribute Dependent Care Flex money before taxes are calculated allowing for tax savings depending on your tax bracket • You have to fund the Dependent Care Flex account before you can get reimbursed for eligible expenses • The most you can pledge is $5,000 for the year • You must use funds for claims incurred during the year or you will forfeit unused funds • Can get a “Benny” Flexible Spending debit card provides convenient access to Dependent Flex funds; can also manually request reimbursement with funds direct deposited • Once you elect your pledge amount for the year, you cannot change it unless you incur an IRS “Qualifying Event” like birth, marriage, divorce, etc. • Participants are always encouraged to save receipts because compliance with IRS rules for Flex reimbursement is always the responsibility of the participant

Enrollment/Contact Information: • Action required only if you want to enroll • Enrollment through Workterra: https:\\jedunn.workterra.net • www.alerusrb.com or 1(800) 495-4015. • See the JE Dunn Portal for complete plan details • Questions or issues? Contact benefits@jedunn.com or (816) 581-3660

Disclaimer: This document summarizes benefits payable under various Plans, and is for illustrative purposes only. Nothing in this document should be construed to provide a guarantee of employment or benefits in any way, shape, or form, now or in the future. If there is any discrepancy between the information contained in this summary and each Plan Document, the Plan Document will govern.


401(k) Retirement Plan JE Dunn’s 401(k) plan is designed to help eligible employees build income for retirement through tax-advantaged savings.

Key Takeaways: • You will receive information about the 401(k) directly from Fidelity at your home address about 2 weeks after you become eligible • You will be automatically enrolled at 6% pre-tax 30 days after you become eligible if you take no action —Contribute at least 6% to get the maximum match from JE Dunn • If you take no action, your default investment will be a target-date mutual fund based on your current age • To opt out of automatic enrollment (or contribute a different percentage), you must contact Fidelity within 30 days of your eligibility date • Failure to make a contribution election at Fidelity within 30 days will start the 6% pre-tax automatic enrollment • You can make contribution as well as investment changes at any time via the Fidelity website, phone, or the Fidelity NetBenefits App • Contributions can be divided between Regular (pre-tax) and Roth (post-tax) • Rollover contributions from a previous employer are allowed, subject to approval

JE Dunn Match • Company match is 50% of the first 6% you contribute (meaning a maximum JE Dunn contribution of 3%) —Contribute at least 6% to get the maximum match from JE Dunn • All JE Dunn Match is invested in JE Dunn stock through the Employee Stock Ownership Plan (ESOP) • Matching contributions from JE Dunn vest over 6 years —2 years = 20% vested / 3 years = 40% / 4 years = 60% / 5 years = 80% / 6 years = 100%

Enrollment/Contact Information: • 401(k) enrollment, and contribution and investment changes, are completed via —Fidelity’s website: www.NetBenefits.com —Phone: 800-835-5095 —Fidelity NetBenefits App • See the JE Dunn Portal for complete plan details, including a recorded webinar about the 401(k) • Questions or issues? Contact benefits@jedunn.com or (816) 581-3660

Disclaimer: This document summarizes benefits payable under various Plans, and is for illustrative purposes only. Nothing in this document should be construed to provide a guarantee of employment or benefits in any way, shape, or form, now or in the future. If there is any discrepancy between the information contained in this summary and each Plan Document, the Plan Document will govern.


Employee Stock Ownership Plan (ESOP) An ESOP is a qualified retirement plan where the ESOP trust invests the Plan’s assets, primarily in company stock. Employees are participants in the retirement plan that owns the company stock thereby making them stakeholders in the company.

Key Takeaways: • Eligible to receive matching contributions in ESOP account after beginning contributions to the 401(k) plan • Eligible to receive discretionary profit sharing after one year of service • • Eligible earnings are prorated your first year thus profit sharing allocation is pro-rated • The ESOP account is valued once a year (12/31) • Funds in the ESOP will be primarily invested in JE Dunn stock • The vesting schedule is as follows: —2 years = 20% vested / 3 years = 40% / 4 years = 60% / 5 years = 80% / 6 years = 100%

Contact Information: • Access account information via www.prinicpal.com or 1 (800) 547-7754 • Refer to the On-Line Access Instructions • JE Dunn’s ESOP Contract Number: 5-22419 • See the JE Dunn Portal for additional details about the ESOP plan • Questions or issues? Contact benefits@jedunn.com or (816) 581-3660

Disclaimer: This document summarizes benefits payable under various Plans, and is for illustrative purposes only. Nothing in this document should be construed to provide a guarantee of employment or benefits in any way, shape, or form, now or in the future. If there is any discrepancy between the information contained in this summary and each Plan Document, the Plan Document will govern.


Paid Time Off JE Dunn offers comprehensive paid time off to provide a high level of work-life integration. Any paid-time off you are eligible for is pro-rated your first year with JE Dunn.

Key Takeaways: • Vacation is accrued each calendar year based on both level of your role, and years of service with JE Dunn —You can only roll up to 3 days of un-used vacation into the next calendar year, so be proactive in scheduling your vacation time • JE Dunn has 6 named holidays: New Year’s Day, Memorial Day, Independence Day, Labor Day, Thanksgiving Day, and Christmas Day. If a holiday falls on a: —Saturday, the Friday before is the recognized holiday —Sunday, the Monday after is the recognized holiday • In addition to the 6 named holidays, JE Dunn provides 4 personal holidays you can use throughout the year —Personal holidays are not accrued and can’t be carried over, so use those paid personal holidays first • Absences due to personal or family illness, accidents, medical appointments, etc., are covered under: —Manager-approved Administrative Leave for exempt roles, or —The 6 days of Emergency Absence for non-exempt roles • Accrued but unused Emergency Absence hours are paid out following year end • Your supervisor should be notified in advance for all time off requests, even for illness whenever possible • Current available, used, and remaining paid time off hours can be viewed under the My Paid Time Off page on the JE Dunn Portal

Additional Information: • See the JE Dunn Portal for complete paid time off details • Questions or issues? Contact benefits@jedunn.com or (816) 581-3660

Disclaimer: This document summarizes benefits payable under various Plans, and is for illustrative purposes only. Nothing in this document should be construed to provide a guarantee of employment or benefits in any way, shape, or form, now or in the future. If there is any discrepancy between the information contained in this summary and each Plan Document, the Plan Document will govern.


Compass Do you ever get overwhelmed by healthcare bills, finding a quality doctor or hospital or shopping for the best prices for medical services such as x-rays or even prescription drugs? Compass is a free, confidential service for employees that provides you with a “Health Pro” – an unlimited resource that can help you be a smart healthcare consumer.

Key Takeaways: • Help with finding a doctor or hospital, including information on provider ratings and certifications as well as hospital cost and quality information • Scheduling appointments, and obtaining medical records • Shopping for the best prices for medical services such as X-rays, MRIs, lab tests, surgeries… even prescription drugs before you get services • Clarifying your healthcare bills and your Explanation of Benefits from Blue Cross Blue Shield • Understanding how the JE Dunn medical plan works, and picking the best plan for you and your family —Your Health Pro can even help you compare the JE Dunn plan to other options you or your spouse may have to ensure you are choosing the best plan for your family’s needs

Additional Information: • Compass Professional Health Services 1 (800) 513-1667 or answers@compassphs.com • See the JE Dunn Portal for additional details about Compass Professional Health Services Questions or issues? Contact benefits@jedunn.com or (816) 581-3660

Disclaimer: This document summarizes benefits payable under various Plans, and is for illustrative purposes only. Nothing in this document should be construed to provide a guarantee of employment or benefits in any way, shape, or form, now or in the future. If there is any discrepancy between the information contained in this summary and each Plan Document, the Plan Document will govern.


Additional Benefits Do you ever get overwhelmed by healthcare bills, finding a quality doctor or hospital or shopping for the best prices for medical services such as x-rays or even prescription drugs? Compass is a free, confidential service for employees that provides you with a “Health Pro” – an unlimited resource that can help you be a smart healthcare consumer.

Education Reimbursement

JE Dunn recognizes the value of continued growth in education and skillsets. The company provides tuition reimbursement to all straight time, office and field employees for courses taken to enhance their job skills in their current role or to gain new company relevant skills. • Reimbursement available for individual courses, associate, bachelor or advanced degree programs • Reimbursement will be limited to 80% of tuition cost up to a limit of $5,250 per calendar year

• All applications for tuition reimbursement must be made prior to enrollment *See the JE Dunn Portal for additional details and restrictions on the Employee Referral Program

Employee Referral Program

JE Dunn is committed to hiring the best people and creating the right culture for all of our employees to succeed. What better way to accomplish this than through our own networks! JE Dunn offers a $1,500 (minus applicable taxes) referral award to employees who refer employees we hire. *See the JE Dunn Portal for additional details and restrictions on the Employee Referral Program

Discount Programs • JE Dunn offers a wide array of discount programs including: • HR Block Tax preparation • Brooks Brothers and Joseph A. Bank clothiers • AT&T, Sprint and Verizon wireless • Dell Computers • Global Fit Gym • National Car Rental and Enterprise Rent-A-Car • GM, Ford and Chrysler Auto Purchase Programs *See the JE Dunn Portal for additional details oncompany-wide discount programs

Service Awards

The company recognizes and rewards employees for length of service with the Company. Gift selections are presented to employees for anniversary milestones of two, five, ten, and every five years of employment thereafter. *See the JE Dunn Portal for additional details on Service Award recognition

Dress Code

JE Dunn is proud of its reputation and relationships with owners, developers, architects and trade partners. Our appearance and professional manner are contributing factors to establishing and maintaining a professional image. JE Dunn does not have a formal dress code but it is important that all JE Dunn employees present themselves in a manner appropriate to the occasion to ensure we uphold our reputation. *See the JE Dunn Portal for additional details and restrictions on the Employee Referral Program Disclaimer: This document summarizes benefits payable under various Plans, and is for illustrative purposes only. Nothing in this document should be construed to provide a guarantee of employment or benefits in any way, shape, or form, now or in the future. If there is any discrepancy between the information contained in this summary and each Plan Document, the Plan Document will govern.

Benefits_Overview-Test1  

Employee Benefits Overview Test

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