AT-RISK International Executive Employee Benefits

Effective June 1, 2025

WELCOME

AT-RISK International is committed to providing a comprehensive range of employee benefits. These benefits are designed to support your well-being, enhance your work-life balance, and ensure your professional growth.

WHY WE OFFER EMPLOYEE BENEFITS:

Health and Well-being: Your health is our priority. We offer medical, dental, and vision insurance to ensure you and your family have access to quality healthcare. AT-RISK International covers 100% of your medical, dental and vision premium for employee only coverage.
Financial Security: We understand the importance of financial stability. We offer a 401(k) plan with a company match after 1 year of employment.
Work-Life Balance: We believe in the importance of balancing work and personal life. Our paid time off policy is in place to help you manage your responsibilities both at work and at home.
Professional Development: Your growth is essential to our success. We offer professional development through conferences, professional licensing sponsorships, professional association memberships, and paid training.
Recognition and Rewards: We value your hard work and dedication. Our employee recognition programs are designed to reward your contributions to the company.

To learn more about the various employee benefits we offer, we encourage you to explore our Employee Benefits Website. This website provides detailed information on all the benefits available to you, including eligibility criteria, enrollment procedures, and frequently asked questions. You can access the website at any time to stay informed and make the most of the benefits provided.

If you have any questions or need further information about our employee benefits, please do not hesitate to reach out to the HR department.

ELIGIBILITY & ENROLLMENT

All full-time executive employees working at least 30 hours per week are eligible to participate in the benefit plans outlined below. Benefits begin on the first of the month following your date of hire. When you enroll in benefits, you may also cover your eligible dependents.

Dependents include your legal spouse, your child(ren) up to age 26 including natural children, legally adopted children, stepchildren, and/or your children over age 26 who are not able to support themselves due to a physical or mental disability.

If your employment with AT-RISK Interntional terminates, your coverage will end on the last day of the month in which employment ends.

UHC MEDICAL & RX

UHC | Group #1640116 | www.myuhc.com

Employees have the option to choose between two open access HMO medical plans provided by UnitedHealthcare. Both plans allow you the flexibility to access care for covered services in network. You are not required to select a Primary Care Physician to enroll or obtain referrals to visit Specialist.

To locate participating providers, before you enroll click here. Once you enroll you can locate participating providers by registering and logging on to www.myuhc.com. You can also download UnitedHealthcare's mobile app to manage benefit on the go.

Employees enrolled in our UnitedHealthcare medical plans can enjoy a more flexible, accessible, and efficient healthcare experience through virtual visits. Members can utilize virtual care through UnitedHealthcare for common illnesses, urgent concerns, and mental and behavioral health needs.

Virtual Urgent Care

UnitedHealthcare, has you covered 24/7 from wherever you are, whether it be at home or while traveling! Common conditions where virtual care can be used include colds, sore throats, urinary tract infections, pink eye, sinus infections, rashes, and more! UnitedHealthcare members can connect virtual, or in-person with a licensed therapist, counselor, psychologist or psychiatrist for ongoing mental and behavioral health support.

Members can access virtual visits by following the steps below:

Sign In to Your Account: Register and sign in online at www.myuhc.com. Select Find Care & Costs > Virtual Care.
Choose a Provider: Members have the option to schedule virtual visits with local providers or use UnitedHealthcare's preferred national providers. This includes options for primary care, therapy, specialty care, and 24/7 urgent care.

Virtual Mental & Behavorial Health Support

Through the Mental Health option, you can connect with a licensed therapist or U.S. board-certified psychiatrist when you’re dealing with stressful situations or issues such as grief, anxiety and depression. Mental health visits require an appointment, but many therapists and psychiatrists have evening and weekend availability.

HEALTH SAVINGS ACCOUNT (HSA)

AT-RISK Interntional employees who enroll in the Open Access HMO HSA plan and, meet the eligibility requirements outlined below are eligible to contribute to a Health Savings Account (HSA).

WHAT IS AN HSA?

A Health Savings Account (HSA) is like a 401(k) for health care. HSAs are tax-advantaged accounts that you can use for qualified medical, dental and vision expenses for yourself and your eligible tax-dependents. Contributions to an HSA are made with pre-tax dollars, which can reduce your taxable income. Additionally, the money in the HSA grows tax-free, and withdrawals are also tax-free. This triple tax advantage makes HSAs a powerful tool for saving on healthcare costs. There are several additional advantages to opening and contributing to an HSA, including:

Flexibility: Funds in an HSA roll over year to year. There is no "use it or lose it" rule, meaning you can accumulate savings over time.
Investment Opportunity: Many HSAs offer investment options, allow you to grow your savings through investments in stocks, bonds, mutual funds and other financial investments.
Portability: HSAs are owned by the employee, not AT-RISK International. This means if you change jobs or retire, your HSA goes with you. You can continue to use the funds for qualified expenses regardless of your employment status.
Financial Security: Having an HSA provides a safety net for unexpected medical, dental and vision expenses. Knowing that you have funds set aside for healthcare cost can reduce financial stress.
Retirement Savings: After age 65, you can use HSA funds for non-medical expenses without penalty (though you will pay regular income tax on those withdrawals). This makes HSAs a versatile tool for retirement planning, as they can supplement your retirement savings.

For the 2025 calendar year, individuals can contribute up to $4,300 and families (spouse, child/ren or family coverage) can contribute up to $8,550 into an HSA.

If you are age 55 or older, you can contribute an additional $1,000 catch-up contribution.

Money taken out of an HSA for non-eligible expenses are subject to taxes and a 20% penalty if the member is under age 65. After age 65 only regular income taxes apply without penalties.

Important: To be eligible to open an HSA, you cannot be covered by another health insurance plan that is not a qualified high-deductible plan, be enrolled in TRICARE or Medicare, or have VA Benefits in the last 90 days. You or your spouse cannot participate in a medical Flexible Spending Account.

When you have a qualified medical expense, you can make withdrawals from your account using an HSA debit card or you can pay the expense out of your own pocket and be reimbursed.

Save your receipts. It is important that you save all of your card and non-card purchase receipts when using your HSA. IRS Form 8889 must be completed with your tax return each year to report total deposits and withdrawals from your account. Saving your receipts will assist you with your tax filing and if you are ever audited by IRS.

ADVANTAGES OF AN HSA

It’s tax-free. The money you set aside for your HSA can be written off on your IRS tax return up to the statutory maximum. Any investment earnings are also tax-free, and you will not pay federal, (and in most cases state) taxes on the money you take out of your HSA as long as you use it to pay for qualified medical care expenses.

The money is yours to use. Unused HSA funds will roll over from year to year, so your HSA balance can build up over time to use for future medical care needs. If you leave the company, any remaining HSA balance goes with you to use for future qualifying medical expenses. Be aware though, if you use HSA funds for ineligible medical care expenses, the funds will be taxable and will be subject to a 20% penalty.

Your money grows tax-free. The money in your account is automatically invested in an FDIC insured, interest-bearing account.

Opportunity for long-term savings. Save unused HSA funds from year to year – money you can use to reduce future out-of-pocket medical expenses. You can even save HSA dollars to use after you retire much like a 401(k).

Reduce your out-of-pocket costs. You can use the money in your HSA to pay for eligible medical expenses and prescriptions. The HSA funds you use can help you satisfy your plan’s annual deductible or even pay for COBRA premiums.

EXAMPLE ELIGIBLE EXPENSES

Qualified medical expenses including deductible expenses, copays and coinsurance
Dental care, including extractions and braces
Vision care, including contact lenses, prescription sunglasses and LASIK surgery
Prescription medications
Chiropractic services
Acupuncture
Approved over the counter medicines such as pain relievers, ointment, bandages, sunscreen, eye care, menstrual products, and more.

UHC DENTAL

UHC | Policy #1640116 | www.myuhc.com

Dental insurance plays an important role in maintaining overall health and wellness. That's why we provide access to a comprehensive dental plan through UnitedHealthcare. Both in and out of network benefits are included, however, if you go out of network you may be asked to pay in full up front and file a claim to receive the plan's out-of-network reimbursement. In addition, out-of-network providers can balance bill you above and beyond what the plan pays.

UHC VISION

United Healthcare

UHC | Policy # 1640116 | www.myuhc.com

Vision care is essential not only for maintaining good eyesight but also for overall health. We offer a comprehensive vision plan though UnitedHealthcare to ensure you have access to regular eye exams, corrective lenses, and treatments for certain eye condition.

Below is a high-level overview of your plan and in-network benefits:

PERKS & BENEFITS

TIME OFF

PTO: Accrues anniversary to anniversary, available for immediate use. Up to 40 hours may be rolled over year to year.

Before 1 year anniversary	80 hours
Year 1 - 4	120 hours
Year 5 – 9	200 hours
Year 10+	280 hours

Birthday PTO
Volunteer Day
Bereavement Leave: Up to 40 hours
Jury Duty: Up to 40 hours
Paid Military Leave: Up to 80 hours
Paid Wellness Leave: Up to 80 hours
10 paid holidays

RETIREMENT

A 401(k) plan is a valuable benefit that supports employee's financial well-being and can help you think about long-term financial goals and retirement. AT-RISK International's 401(k) plan includes the following key benefits:

Company match after 1 year of employment.
100% match on the first 3% deferred, 50% match on the next 2% deferred for both traditional and ROTH.
Employee match and company match vested 100% immediately.

WELLNESS REIMBURSEMENT

Employees can be reimbursed up to $40 per month for fitness gear and/or gym memberships.

CELL PHONE REIMBURSEMENT

Employees can be reimbursed for up to $50 per month when they use their cell phone for work instead of a company assigned cell phone (when applicable).

TSA/GLOBAL CLEAR ENROLLMENT

Employees are eligible to be reimbursed for Clear, TSA Precheck, or Global entry membership (or any combination).

AIRLINE BUSINESS LOUNGE MEMBERSHIP

AT-RISK International will reimburse employees for the purchase of one airline business lounge membership of choice (one preferred airline), annually.

COMPANY STOCK OPTIONS

You are eligible for company stock as part of your compensation package.

CORPORATE CREDIT CARD HOLDER POINTS TRANSFER

Corporate Credit cards opened under your name will be eligible for points transfers for personal use such as airlines, hotels, etc. No monetary payouts allowed.

EMPLOYEE ENGAGEMENT

Employee Engagement is a critical aspect of any successful organization. We encompass various initiatives and practices aimed at creating a positive work environment where employees feel valued, motivated, and committed to their work, this includes:

Celebratory Awards: Cash prizes for benchmark anniversary years $100 - $500.
Merit Award: Cash prizes from $100 - $500.
Professional Development including conferences, professional licensing sponsorship, professional association memberships, and paid training.

LIFESTYLE BENEFITS

Employees have different needs at work and at home. That's why we offer voluntary, employee paid lifestyle benefits such as LegalShield, IDShield, and Pet Insurance. Voluntary lifestyle benefits provide valuable support, financial protection, and peace of mind. Learn more about the voluntary benefit offerings below.

LEGALSHIELD

Access to legal advice when you need it most. LegalShield can potentially save you thousands of dollars by providing direct access to a provider law firm for unlimited phone consultations on most personal legal matters, including:

Estate Planning: Will preparation, powers of attorney, trusts, probate
Consumer Finance: billing disputes, tax matters, bankruptcy, credit reports
Family Law: name change, divorce, separation, adoption (all uncontested)
Real Estate: sale or home purchase, mortgages, deeds, construction, foreclosures
Traffic: Moving violations, speeding tickets, tragic accidents, property damage collection, and license restoration
Renter: contract reviews, disputes with landlord
Much more

In addition to unlimited phone consultation, your provider law firm will create a will, power of attorney, and living will on your behalf and provide legal representation for traffic violations, uncontested divorce, consumer protection, civil litigation, and tax audits. Representation on most other personal legal matters receives a 25% discount off the provider law firm’s standard hourly rate.

Please see full plan details and limitations on LegalShield group website shieldbenefits.com/atriskinternational.

Pre-Paid Legal Services, Inc. (“PPLSI”) provides access to legal services offered by a network of provider law firms to its members through membership-based participation. Neither PPLSI nor its officers, employees or sales associates directly or indirectly provide legal services, representation, or advice. See a legal plan contract for a specific state of residence for complete terms, coverage, amounts and conditions. See a Plan for complete terms, coverage, conditions, limitations, and family members who are eligible under the Plan.

IDSHIELD

Consider enrolling in IDShield to get comprehensive monitoring and threat notifications, credit score tracking, anti-malware protection, and in the case of theft, full-service restoration – including a Fraud Protection Plan that covers up to $3 million in related expenses.

IDShield helps protect you from identity and personal data theft. If you or your family:

Spend time online
Use social media and have concerns about your privacy
Participate in online gaming
Worry about the increase in cybercrimes
Want to help protect your financial accounts and credit scores
Want alerts about registered sex offenders moving into your neighborhood

IDShield provides access to identity theft protection and restoration services, and plans are available at individual or family rates. A family plan covers the named member, the named member’s spouse or domestic partner and eligible dependent children. Consultation and Restoration Services are available for eligible dependent children under the age of 26. For complete terms, coverage, and conditions, please see an identity theft plan. All Licensed Private Investigators are licensed in the state of Oklahoma. An Identity Fraud Protection Plan (“Plan”) is issued through a nationally recognized carrier. PPLSI is not an insurance carrier. This covers certain identity fraud expenses and legal costs as a result of a covered identity fraud event, with the amount of coverage dependent on the type of identity theft plan. See a Plan for complete terms, coverage, conditions, limitations, and family members who are eligible under the Plan.

PET INSURANCE

We partnered with Pet Benefit Solutions to offer benefits coverage for your furry family members!

We chose Pet Benefit Solutions because they offer affordable plans that save you money on all of your pet care needs.

Enroll in Total Pet Plan from Pet Benefit Solutions and receive access to all of the below benefits and more for one low monthly rate!

Up to 40% off prescriptions, preventatives, food, toys, treats, and more
Free shipping on all orders with no minimum purchase or same day pick-up from your local participating pharmacy
Instant 25% savings on in-house medical services at participating veterinarians
24/7 access to real-time support from veterinarians, even when your vet's office is closed
ID tag and lost pet recovery service for peace of mind that your pet(s) will return home if they go missing

$11.75/month for a Single Pet Plan

$18.50/month for a Family Plan

Visit https://www.petbenefits.com/land/at-risk to learn more!

Reach out to Pet Benefit Solutions' customer care team at (800) 891-2565 or customercare@petbenefits.com with any questions about the plan offerings.

EMPLOYEE COST

Bi-Weekly Payroll Deductions effective June 1, 2025 - May 31, 2026

MEDICAL

DENTAL

VISION

LEGALSHIELD & IDSHIELD

PET BENEFITS

QUESTIONS?

As you consider your benefit options, please be sure to review all available information. If you need further assistance, please reach out to Human Resources.

This is a high-level guide of certain benefits your employer offers. The information in this benefits guide is intended as a general outline of the benefits available under the following welfare benefit programs offered by your employer and should not be considered legal, investment or other benefits advice. Benefits described are subject to change, amendment, or termination without notice to, or the agreement of, any employee/participant. All protected health information is confidential, pursuant to the Health Insurance Portability and Accountability Act of 1996. If you have any questions about your benefits guide, contact Human Resources. If you (and/or your dependents) have Medicare or will become eligible for Medicare in the next 12 months, a federal law gives you more choices about your prescription drug coverage.

AT-RISK International

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