**** ******** *****

Please note that this constitutes a qualified offer of healthcare coverage under the Affordable Care Act (ACA) as it provides a minimum value coverage option at an ACA- defined affordable rate of no more than 9.12% of your ACA determined monthly pay for single coverage. As a result of this offer of coverage, in general, you may not be eligible for any Marketplace subsidy if you decline this offer of coverage and use the Marketplace to obtain healthcare insurance. YOHC

https://mybenefits.dayzim.com

Our Commitment to You

One of our Benefit Goals is to invest in programs to promote wellbeing and encourage savvy healthcare consumerism. Day & Zimmermann offers a comprehensive and competitive benefits package, and this Benefits Guide provides an overview of benefits available to regular full-time and part-time employees. Eligibility Requirements

Full-time and part-time employees regularly scheduled to work 20 hours or more and all variable hour and temporary ACA eligible employees are eligible to participate in all plans described in this overview. Eligible Dependents

You may enroll the following family members in the healthcare plans:

• Legal spouse or domestic partner

• Biological children, stepchildren, legally adopted children, children placed for adoption, children of your domestic partner, or children whose coverage is your responsibility under the terms of a qualified release or court order (coverage for dependent children is available up to age 26)

• Unmarried children beyond age 26 who are incapable of self-support because of physical or mental incapacitation and dependent on you for over half their support (proof of disability is required) Enrollment Process

New Hire / Newly Eligible employee benefit elections must be made within 31 days of the effective date of coverage. These benefit elections will remain in effect for the balance of the calendar year. New benefit elections may be made during the annual Open Enrollment period, in the Fall of each year, for coverage effective 1/1. Mid-year changes can be made to benefits only if there is a qualified change of status life event and generally must be made within 31 days following the date of the qualified life event that is the basis for the change. This does not apply to the 401(k) plan, HSA or CRA which you can start, stop or change at anytime. Benefit Plan Effective Date of Coverage

• Medical and Prescription

• Vision

• Dental

• Health Savings Accounts (HSA)

• MetLife Voluntary Benefits

First day of the month following 30 days of

employment or increase in scheduled hours to 20

or more per week

• Life and Disability Insurances

• Commuter Reimbursement Account (CRA)

First day of the month following 30 days of

employment or increase in scheduled work hours to

20 or more per week

• 401(k) Retirement Savings Plan Immediate Eligibility to Participate 2 2023 Day & Zimmermann Benefits Guide

The MyBenefits Online Portal

The one stop shop for benefits information and enrollment access. About a week after your start date, you can log into or call MyBenefits. See more information on the MyBenefits portal and logon instructions at the end of this guide.

Dependent Eligibility Process

• Please be prepared to provide Social Security Numbers for all dependents, and documentation verifying your covered medical dependent’s eligibility

• You must provide the required documentation as requested within 45 days of your effective date of coverage or unverified dependents will be dropped from coverage.

Retroactive Payroll Deductions

• Payroll contributions for benefits are owed on pay dates that fall within the period of coverage. Payroll deductions will not begin until after you have completed enrollment. You have 31 days from the effective date of coverage to enroll. However, you should enroll as soon as possible once you get access to MyBenefits. This may help avoid large retroactive deductions.

• Website: https://mybenefits.dayzim.com

• MyBenefits Service Center:

• Phone: 855-***-****

• Email: ad3xwv@r.postjobfree.com

Medical and Prescription Drug Benefits-at-a-Glance Medical: Independence Blue Cross

• All plans utilize the same BlueCard® PPO network

• It is not required to choose a Primary Care Physician (PCP) or obtain a referral

• Provide substantial discounts for in network services

• Copays, Deductibles and Coinsurance count towards Annual Out-of-Pocket Maximums

• Vision exam and vision discounts are included with the medical plan election. Buy-up options are also available for the vision plan.

• The summary below shows coverage for In-Network providers only. For Out-of- Network coverage review the plan documents on MyBenefits. Prescription Drug: Express Scripts

• The Rx plan is subject to our three-tier formulary (Generic, Preferred, Non- Preferred) to determine costs, as well as pre-authorization, step-therapy and any other coverage restrictions

• Out-of-pocket costs for prescriptions count toward your deductible for the Bronze and Bronze Plus plans (medical and prescription combined)

• Telemedicine through MD Live is included with all medical plans at the same level as your PCP visit. You can see a provider by secure video, phone or mobile app, 24/7 for non-emergency care, dermatology, or behavioral health services including therapists and psychiatrists. Services at In-Network

Providers IBC 60 (In-Network) Bronze (In-Network) Bronze Plus (In-Network) Silver (In-Network) Preventive Care Plan pays 100% Plan pays 100% Plan pays 100% Plan pays 100% Annual Deductible

(amount you must pay before the

plan begins to pay)

$6,000 Individual

$12,000 Family

(medical and rx combined)

$2,000 Single

$4,000 Family

(medical and rx combined)

$1,750 Single

$3,500 Family

(medical and rx combined)

$1,500 Individual

$3,000 Family

(deductible does not apply to Rx)

Embedded Individual

Deductible

For family coverage

$6,000 $3,000 $3,000 $1,500

(an individual covered family member may pay up to this amount toward the family deductible) Out-of-Pocket Maximum

(the most you will be required to

pay in one plan year for In-

Network covered services)

$6,400 Individual

$12,800 Family

$6,350 Individual

$12,700 Family

$5,600 Individual

$11,200 Family

$5,000 Individual

$10,000 Family

THE PLAN PAYS 100% OF COVERED SERVICES ONCE THE OUT-OF-POCKET MAXIMUM IS MET Annual Maximum Benefit No Annual Limit

Lifetime Maximum Benefit Unlimited

HSA-Eligible

(Eligible to be Combined with a

Health Savings Account - HSA)

No Annual Limit

Unlimited

Yes

Contribute pre-tax up to

$3,850 Single$7,750 Family

No Annual Limit

Unlimited

Yes

Contribute pre-tax up

to $3,850 Single

$7,750 Family

No Annual Limit

Unlimited

Yes

Contribute pre-tax

up to $3,850 Single

$7,750 Family

No

Doctor’s Office Visit & MDLive

You pay 100% of the plan’s discounted rate until

the deductible is met

then you pay 40% coinsurance

You pay 100% of the plan’s

discounted rate until the deductible is

met

then you pay 30% coinsurance

You pay 100% of the plan’s

discounted rate until the

deductible is met

then you pay 20%

coinsurance

$25 primary copay

Urgent Care $40 specialist copay

You pay $90 copay no deductible

Emergency Room You pay $180 copay no deductible

(waived if admitted)

Laboratory / Pathology Plan Pays 100%

Out-Patient Surgery,

Hospital; Surgery, Xray,

Radiology

You pay 20% coinsurance

after the deductible is met

Prescription Express Scripts:

You pay 100% of the plan’s discounted rate until

the deductible is met

then you pay 30% coinsurance for generic and

brand drugs;

50% coinsurance for non-formulary drugs

The IBC60 plan is not

Medicare Part D Creditable

Express Scripts:

You pay 100% of the plan’s

discounted rate until the deductible is

met.

“Preventive” care medicines are

covered before the deductible.

Retail Generic Formulary: $10

copay

Retail Brand Formulary: You pay

30% coinsurance ($30 min/$55 max)

Retail Brand Non-Formulary:You

pay 30% coinsurance ($50 min/$75

max)

Express Scripts:

You pay 100% of the plan’s

discounted rate until the

deductible is met.

“Preventive” care medicines

are covered before the

deductible.

Retail Generic Formulary:

$10 copay

Retail Brand Formulary: You

pay 20% coinsurance ($30

min/$55 max)

Retail Brand Non-

Formulary: You pay 35%

coinsurance ($50 min/$75

max)

Express Scripts:

The Silver plan has no deductible for

prescription.

Retail Generic Formulary: $10

copay

Retail Brand Formulary: You pay

20% coinsurance ($30 min/$55

max)

Retail Brand Non-Formulary:

You pay 35% coinsurance ($50

min/$75 max)

Mail Order Mail Order: for a three (3) month supply - same coinsurance as retail - with minimum and maximum payments equal to 2.5 times the retail cost for a 30-day supply. A three (3) month supply of certain maintenance medications at 2.5x the monthly copay is also available at CVS and Walgreens. www.ibxpress.com 1-800-ASK-BLUE

www.mdlive.com/ibx 1-877-***-****

www.express-scripts.com/dayzimmermann

1-800-***-****

Tobacco Surcharge: You will pay a surcharge of $75 per month surcharge for each tobacco user (you and/or your spouse/domestic partner) MyBenefits Service Center will require eligibility verification of all dependents that are enrolled in our medical plans If you enroll in medical, and the cost of single coverage for the lowest cost plan exceeds 9.12% of your Affordable Care Act (ACA) determined monthly pay, you will also be eligible for a subsidy from the company (an employer contribution toward your medical plan premium) in order to ensure its affordability per the ACA. 3 2023 Day & Zimmermann Benefits Guide

Dental and Vision Benefits-at-a-Glance

Delta Dental Plan

Dental coverage is key to your overall health. Day & Zimmermann offers employees two dental plan options through Delta Dental. Delta Dental has two provider networks: Delta Dental PPO Network and Delta Dental Premier Network Exam-Only Coverage Buy Up or Full Vision Coverage

Exam with Dilation as Necessary $0 Copay (once every 12 months) $0 Copay (once every 12 months) Frames 35% discount off retail $130 allowance plus 20% off retail price over $130

(once every 12 months)

Standard Plastic Lenses (some limitations apply) Discounted pricing $20 copay (once every 12 months) Additional Lens Options (UV treatment, tint,

scratch coating, polarized, etc.) Discounted pricing Discounted pricing Contact Lenses Discounted pricing

Once every 12 months, $0 copay

Disposable: $130 allowance

Plus 15% off retail price over $130

Conventional: $130 allowance plus 15% off balance

over $130

Laser Laser Vision Network) Correction (Lasik or PRK from U.S. 15% off retail price or 5% off promotional price 15% off retail price or 5% off promotional price 4 2023 Day & Zimmermann Benefits Guide

Vision

Day & Zimmermann offers vision coverage through EyeMed. If you elect medical coverage:

• You will automatically be enrolled in the vision plan with Exam-Only Coverage

• You may “buy up” to Full Vision Coverage that pays a greater portion of the cost of frames, lenses and contacts with the same dependents as your medical election

If you do not elect medical coverage:

• You may purchase Full Vision Coverage for yourself and your qualified covered dependents.

• Exam-only coverage is not available

Dental

Plus Delta Dental Plan Basic Delta Dental Plan

In-Network Out-of-Network In-Network Only

Deductible $50/$150 $100/$300 $50/$150

Annual Maximum $2,000 $1,500 $1,500

Diagnostic/Prev 100% 90% 100%

Basic 80% 70% 80%

Major 60% 40% 50%

Orthodontia 50% 40% Not Covered

Ortho Maximum $2,000 $1,500 N/A

www.deltadentalins.com 1-800-***-****

www. eyemedvisioncare.com 1-866-***-****

You may elect the following voluntary benefits from MetLife. More information, including cost, is available on MyBenefits. Please note that pre-existing conditions mayapply.

Accident

In the unfortunate event of an accident, even the best medical plans may leave you with extra expenses beyond what your plan may cover. MetLife Accident insurance can help you be better prepared by providing you with a payment to use as you see fit if you experience a covered event. Critical Illness

If you or a covered family member is diagnosed with one of a specified list of medical conditions, MetLife Critical Illness Insurance will provide a lump- sum payment. The payment you receive is yours to spend as you see fit and may be used to cover ongoing household expenses, including child care.

Hospital Indemnity

You can offset the out-of-pocket costs for hospital stays with MetLife Hospital Indemnity Insurance. Typically, this insurance pays a flat amount for hospital admission and a per-day amount for each day of a covered hospital stay, from the very first day of your stay. There is a preexisting condition exclusion for covered sicknesses. Employee only and family coverage are available.

Legal Assistance

You can get legal assistance through MetLife Legal Plans. You get the legal assistance you need, with access by telephone or in-person for advice on a number of personal legal matters, as well as representation for a wide variety of legal services, such as wills, real estate services, etc. Money matters:

• Financial/estate planning

• Negotiating with creditors

• Tax audit representation

• Living wills

Home and real estate:

• Sale, purchase or refinance

• Property tax assessment

• Foreclosure

Vehicle and driving:

• Traffic ticket defense

• License suspension / DUI

Civil lawsuits, family and personal:

• Civil litigation defense

• Small claims assistance

• Adoption

• Prenuptial agreements

Income Protection

For life and disability plans, you may enroll with guarantee issue coverage, which means you cannot be denied coverage. However, if you wish to enroll after your initial eligibility period, you must wait until the next Open Enrollment, and a health statement will be required, and you may be declined coverage by the carrier.

Voluntary Life and Accidental Death &

Dismemberment (AD&D)*

You may purchase Life and AD&D insurance with a coverage amount of $40,000 for each benefit - elected together.

Supplemental Life Insurance*

You may also choose additional term life insurance for you and/or your dependents. Employee & Spouse/Domestic Partner rates are based on age and tobacco status and are available on MyBenefits on the Life/Disability tab. Employee Life Insurance: You may elect 1x, 2x or 3x your base salary up to a maximum of $300,000. You pay the full cost of coverage (age-based). Smoker and non-smoker rates apply.

Dependent Life Insurance: You may elect term life insurance coverage for your Spouse/Domestic Partner ($25,000 or $50,000, not to exceed 50% of Employee life coverage) or for one or more Children to age 26 (flat $10,000). This benefit requires that active Supplemental Employee Life Insurance coverage. Supplemental AD&D Insurance

You may purchase supplemental AD&D for yourself or for you and your family members. Levels of coverage must match supplemental life plans. Business Travel Accident Insurance

This Company paid benefit provides an accidental death benefit of $100,000 and a partial benefit for certain accidental injuries to all employees. Coverage is provided while on job-associated travel, but does not include travel to and from your home office.

Short Term Disability

You may purchase short term disability coverage (STD). The plan provides a benefit of 50% of your base earnings, up to a maximum of $1,000 per week, if you are disabled because of a non-work related illness or injury. The benefit begins to pay on the 8th day of disability up to a maximum of 26 weeks of disability.

If you work in NJ, NY, CA, RI or HI, you also pay a premium for STD through your state’s statutory program, and you would apply for disability benefits through your state disability plan first. The Company STD plan benefit will be reduced by the amount you receive from your state plan.

Long Term Disability*

You may purchase long term disability coverage. This benefit provides 50% of your base earnings, up to a maximum of $5,000 per month. Benefits are paid if your approved medical absence continues beyond the short term disability period. LTD coverage is subject to a pre-existing condition clause. Voluntary LTD is generally non-taxable since premiums are paid after tax.

*Your benefit amount may be reduced or have a limited length of benefit payments - subject to age reduction.

5 2023 Day & Zimmermann Benefits Guide

6 2023 Day & Zimmermann Benefits Guide

Retirement Savings Information

401(k) Plan

As a new employee you are immediately eligible to participate in the plan if you are age 21 or older.

You will receive enrollment information from Principal at your home address a few weeks after you first paycheck. Day & Zimmermann offers two options for deferrals in the 401(k) plan:

1. Traditional pretax contributions: Pretax contributions lowers your taxable income today. When you take a

withdrawal, it is taxed as income in the year the money is taken out.

2. Roth after-tax contributions: Roth 401(k) contributions are made on an after-tax basis and earnings grow tax-free. This means that, if certain criteria are met, qualified withdrawals at retirement are also tax-free.

• You may contribute from 1% to 75% per pay period, as pretax, Roth or a combination of both up to the IRS maximum of

$22,500* in 2023.

• You are always 100% vested in the money you contribute to the plan and the earnings on that money.

• Catch-up contributions up to the IRS limit of $7,500* may be made if you are age 50 or older by end of the calendar year.

• If your annual compensation is $150,000* or more in 2022, you will be considered a highly compensated employee (HCE). Your contribution may be limited in the next year as a result of non-discrimination testing. If this applies you will be notified.

*Maximums and limits are subject to IRS updates after publication of this overview

Additional Benefits

Performance-Based

Wellbeing Program

At D&Z we are committed to your good health and the benefits of taking care of your health, which should include going for your annual checkup, getting your health screenings, eating well and getting the recommended amount of exercise every day.

You have the opportunity to earn $250 in gift cards if you complete a certain number of activities during the year. You will be provided with more details on the program in a separate communication. Stay tuned! Available to employees and their spouse/ domestic partner enrolled in an IBC medical plan.

Commuter Reimbursement Accounts

Employees who use mass transit to commute to work or who pay for parking while at work may participate in a program called a Commuter Reimbursement Account. This program allows employees to set aside a predetermined amount in "pre-tax" dollars to cover qualified mass transit and parking transportation expenses. The minimum monthly contribution is $10 and the maximum is $300 Reimbursements are limited to $300 per month for each account; Transit Reimbursement and Parking Reimbursement. These are two separate accounts and contributions. Tolls do not qualify for reimbursement. This account is subject to use it or lose it rule. Health Savings Account

If you enroll in the Bronze, Bronze Plus or IBC60 Plan (high deductible health plans or HDHP), you also have the opportunity to establish a Health Savings Account (HSA). The HSA is an account you establish to pay for or reimburse yourself for qualified health care expenses for you and your eligible dependents. The account is always yours to keep, has no use it or lose it rules and rolls over from one year to the other. Coverage HSA

Single

Annual Limit

$3,850

Family $7,750

55 Years or Older (catch-up contribution) Additional $1,000 SoFi – Loan Refinancing

SoFi offers a range of financial wellness products to help provide solutions to employees to better manage their student loan debt and finances. The program offers student, parent and personal loan refinancing services to employees and family members.

Visit sofi.com/DZ for more details.

Employee Assistance Program- EAP

Offered through Health Advocate, the EAP offers you, your spouse or partner, dependent children, parents and parents in law access to licensed counselors to help you and your family work through personal, family and work-related issues. Five (5) in-person or virtual counseling sessions are covered at no cost to you in addition to 24/7 telephonic support. Some examples of what the counselors can help with are:

•Child Care •Relocation •Time Management

•Elder Care •Adoption Information •Stress Management

•Parenting •Personal Finance •College Planning

Contact Health Advocate at 866-***-**** or www.healthadvocate.com/members COMPANY POLICIES AND PROCEDURES

Company policies and procedures can be found on the Company website (mydayzim.com), including the Company zero tolerance policy for unlawful discrimination. Employees are responsible for reading and understanding the contents of the various policies and benefits. Accessing the MyBenefits Portal and

the MyBenefits Service Center

About a week after your start date, you can log into or call MyBenefits. Here’s how:

Registering & Enrolling

To register you will need:

Ø Your date of birth

Ø The last four digits of your Social

Security number

To enroll you will need:

Ø Name, date of birth and Social Security

number for any children and/or

spouse/domestic partner that you wish

to enroll

Ø Name and address for any beneficiary

you wish to use for life insurance

Reasons to go to MyBenefits

Ø Provides a one stop shop for benefits information and enrollment.

Ø Go Green! Sign up so that we can communicate

to you electronically via email

Ø Get valuable reminders quicker than mail by

providing us your email

Ø Contains links to detailed plan information, carrier websites and telephone contact information and

valuable decision making tools.

Ø Is accessible via multiple devices: computer, tablet or smartphone.

The benefits described in this overview are currently available, and may be changed at the discretion of the Day & Zimmermann Group, Inc. All benefits are subject to the plan and carrier contract specifications.

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