BL Companies | 2022 Benefits Brochure

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A summary of BL Companies' benefits.

The Benefits of Working at BL Companies

BL COMPANIES BL Companies is a leader in delivering high-quality, integrated architecture, engineering, environmental, land surveying and consulting services in the public and private sectors for land development, building design and infrastructure projects. BL Companies is proud to be 100 percent owned by its employees. Our employee-owners strive to cultivate long lasting relationships with our clients and partners by providing services and resources that achieve successful project delivery. This brochure is an overview of the benefits offered to those working at BL Companies. EMPLOYEE OWNERSHIP As an employee owned company, our culture is to provide a supportive environment for excellent professionals to grow and develop to their highest potential. Employee ownership is intended to be inclusive — all employees are members of the same team. As stakeholders, employees are encouraged to work toward a common goal — increasing the value of the company, which in turn increases the value of individual ESOP accounts. Other benefits of being employee owned include retention and recruiting, as well as the linkage between performance and personal gain. As an employee owned company, utilizing profits to reinvest in the company and its people promotes future growth.

Employee owned. Client driven.

INTRODUCTORY PERIOD The first 90 days of employment with BL Companies is an Introductory Period. During this time, Paid Time Off (PTO) will accumulate and may be used by you upon completion of the introductory period. You will be eligible for Holiday Pay and Company Paid Time Off after you have completed 30 days of employment. PAID TIME OFF (PTO) BL Companies provides employees with paid time off as well as paid holidays. The following is the PTO schedule, which accrues, based on a 40-hour work week: • Less than 5 years of relevant experience = 15 days

Eligibility Eligible employees must meet the following criteria:

• Have been employed with the company for at least 12 months. • Be a full time employee (part-time and temporary employees and interns are not eligible for this benefit). In addition, employees must meet one of the following criteria: • Have given birth to a child. • Be a spouse or committed partner of a woman who has given birth to a child. • Have adopted a child. The adoption of a child as a result of marriage is excluded from this policy.

• 5–10 years of relevant experience = 20 days • 10+ years of relevant experience = 25 days

Part-time employees scheduled to work at least 20 hours per week on a regular basis will be able to accrue PTO hours on a prorated basis.

PARENTAL LEAVE BL Companies provides up to two weeks of paid parental leave following the birth or adoption of an employee’s child. The purpose of paid parental leave is to enable the employee to care for and bond with a newborn or a newly adopted child. This policy runs concurrently with Family and Medical Leave Act (FMLA) leave, as applicable.

Company paid time off is provided from Christmas through New Year’s Day!

HOLIDAYS BL Companies observes the following holidays:

• Thanksgiving • Friday after Thanksgiving • Christmas through New Year’s Day

• President’s Day • Memorial Day • Independence Day • Labor Day

MEDICAL PLANS OVERVIEW We offer the choice of three (3) medical plans through Cigna. All of the medical options include coverage for prescription drugs, dental and vision coverage. To select the plan that best suits your family, you should consider the key differences between the plans, the cost of coverage (including payroll deductions), and how the plan covers services throughout the year. Health Insurance Our health insurance plan is a Preferred Provider Network (PPO) administered by Cigna Open Access Plus. There is a waiting period of 30 days from start date. Below please find our current employee contributions (per biweekly pay period):

2022 EMPLOYEE CONTRIBUTIONS (Includes medical, vision and dental) Medical

STANDARD PPO LOWER COST PPO HDHP WITH HSA

$88.00

$55.00 $115.00 $110.00 $148.00

$36.00 $76.00 $73.00 $98.00

Employee Only

Employee + Child (ren) $184.00

$176.00 $237.00

Employee + Spouse Employee + Family

Medical Coverage As a PPO, there are certain providers in the network who are favored by Cigna Open Access Plus — they have worked out specific rates with them and we reap the benefits of the discounts. Telemedicine Virtual care lets you get the care you need — including most prescriptions (when appropriate) — for a wide range of minor conditions. • Who : Board-certified doctors and pediatricians as well as licensed counselors and psychiatrists. • When : Medical conditions: 24/7/365 day or night, including weekends and holidays. Behavioral health: schedule an appointment. • How : Phone or video.

Dental Care Dental visits do not require a network provider. However, employees are encouraged to use a provider from the Cigna Dental PPO Network to benefit from the discounts provided through the network. The plan provides for two free cleanings a year and varying percentages of coverage depending on the work that is being done. Orthodontia is provided for children only. Vision Care Vision visits do not require a network provider. However, employees are encouraged to use a provider from the Cigna Vision Plan to benefit from the discounts provided through the network. This benefit includes: eye exams ($20 co-pay, any provider), frames, lenses, contacts, and prescription sunglasses. There is a $200 maximum coverage per member, per calendar year.

physical exam and includes immunizations, lab tests, screenings and other services intended to prevent illness or detect problems before you notice any symptoms. • Pharmacy coverage : Medications are placed in categories based on drug cost, safety and effectiveness. These tiers also affect your coverage. • GENERIC — A drug that offers equivalent uses, doses, strength, quality and performance as a brand-name drug, but is not trademarked. • BRAND PREFERRED — A drug with a patent and trademark name that is considered “preferred” because it is appropriate to use for medical purposes and is usually less expensive than other brand- name options. • BRAND NON-PREFERRED — a drug with a patent and trademark name. This type of drug is “not preferred” and is usually more expensive than alternative generic and brand preferred drugs. • SPECIALTY — A drug that requires special handling, administration or monitoring. Most can only be filled by a specialty pharmacy and have additional required approvals.

Prescription coverage The health insurance plan includes prescription coverage. There are preferred pharmacies to use, but almost all pharmacies fall under the heading of preferred. Under the prescription drug plan, there will be a “formulary” or list of drugs to reference when obtaining medications. Making the most of your plan Getting the most out of your plan also depends on how well you understand it. Keep these important tips in mind: • In-network providers and pharmacies: You will always pay less if you see a provider within the medical and pharmacy network. • Mail order pharmacy: If you take a maintenance medication on an ongoing basis for a condition like high cholesterol or high blood pressure, you can use the mail order pharmacy to save on a 90- day supply of your medication. • Preventive care: In-network preventive care is covered at 100% (no cost to you). Preventive care is often received during an annual

CIGNA MEDICAL & PHARMACY COVERAGE

MEDICAL BENEFITS

OPTION 1 — STANDARD PPO In-Network

OPTION 2 — LOWER COST PPO OPTION 3 — HDHP WITH HSA In-Network Out-of-Network In-Network Out-of-Network $750** $20,000 $2,000 $20,000 $2,250** $60,000 $4,000 $60,000

Out-of-Network

Individual Deductible Family Deductible

N/A N/A

$20,000 $60,000

OUT-OF-POCKET MAXIMUM Individual

$1,500 $4,500

$50,000 $150,000

$2,000 $6,000

$50,000 $150,000

$3,000 $6,000

$50,000 $150,000

Family

Coinsurance

N/A

50% 50%

N/A

50% 50%

10%

50% 50%

Preventative Care Services No Charge AMOUNT YOU PAY AFTER DEDUCTIBLE (on copay plans there is no in-network deductible) Primary Physician Office Visits $20 Copay

No Charge

$25

50%

10%

50%

$50

50%

10% 10% 10% 10%

50%

Specialist Office Visits Emergency Room Visits

$40 Copay $200 Copay $40 Copay

50%

$300

$75

50% 50%

Urgent Care

0% After Deductible 0% After Deductible

50%

Inpatient Hospital Services* Outpatient Facility Services*

$100 Copay per day/Max $500

50%

10%

50%

$100 Copay

50%

RETAIL PRESCRIPTION DRUGS Generic

$15 $45 $90 $15 $45 $90

Not Covered 10% Not Covered 10% Not Covered 10% Not Covered 10% Not Covered 10% Not Covered 10%

Not Covered Not Covered Not Covered Not Covered Not Covered Not Covered

$10 $30 $70

Not Covered Not Covered Not Covered Not Covered Not Covered Not Covered

Preferred Brand

Non-Preferred Brand

MAIL-ORDER PRESCRIPTION DRUGS Generic $10

Preferred Brand

$30 $70

Non-Preferred Brand

OPTION 1 —

BL Companies will provide HSA funding for the HDHP plan: $750 for individuals, $1,500 for plans with 1 or more dependents

**Inpatient hospital and outpatient surgery only. Inpatient hospitalization includes semi-private room & board, maternity, skilled nursing facility, hospice, mental health, substance abuse, and short term rehabilitation.

CIGNA DENTAL COVERAGE

PLAN PROVISIONS

CIGNA PPO DENTAL IN-NETWORk

Calendar Year Deductible (Individual/Family)

$50/$150

Calendar Year Maximum

$1,500 per individual

Orthodontia Lifetime Maximum Diagnostic and Preventive Services (e.g., X-rays, cleanings, exams) Basic and Restorative Services (e.g., fillings)

$1,000 lifetime maximum

Covered at 100%

80%*

50%*

Major Services (e.g., dentures, crowns, bridges)

Orthodontia (coverage for dependent children to age 19)

50%

*after deductible

Benefit Plan Provisions IN-NETWORK REIMBURSEMENT: For services provided by a Cigna Dental PPO network dentist, Cigna Dental will reimburse the dentist according to a Fee Schedule or Discount Schedule. NON-NETWORK REIMBURSEMENT: For services provided by a non- network dentist, Cigna Dental will reimburse according to the Maximum Reimbursable Charge. The MRC is calculated at the 80th percentile of all provider charges in the geographic area. The dentist may balance bill up to their usual fees.

CALENDAR YEAR BENEFITS MAXIMUM: The plan will only pay for covered charges up to the yearly Benefits Maximum, when applicable. Benefit-specific Maximums may also apply. CALENDAR YEAR DEDUCTIBLE: This is the amount you must pay before the plan begins to pay for covered charges, when applicable. Benefit-specific deductibles may also apply. ORTHODONTIA: Coverage for Dependent Children to age 19, Lifetime Benefits Maximum: $1,000

BENEFITS OF USING IN-NETWORK DENTAL PROVIDERS While you have the option of choosing any provider, you will save money when you use in-network dentists. When using an out-of- network dental provider, you will pay more because the provider has not agreed to charge you a negotiated rate.

CIGNA VISION COVERAGE

VISION COVERAGE Exam Copay (once per frequency period) Materials Allowance

BENEFIT

FREQUENCY PERIOD

$20

12 months

Up to $200 12 months

In-Network Coverage Includes • One vision and eye health evaluation including but not limited to eye health examination, dilation, refraction, and prescription for glasses; • Stated allowance applied towards the in-network offered savings* of 20% for purchased frame, lenses, lens options, and up to 15% savings on the contact lens professional services (including fitting and evaluation), offered savings does not apply to contact lens materials. HEALTHY REWARDS ® —VISION NETWORK SAVINGS PROGRAM: When you see a Cigna Vision Network Eye Care Professional*, you can save 20% (or more) on additional frames and/or lenses, including lens options, with a valid prescription. This savings does not apply to contact lens materials. See your Cigna Vision Network Eye Care Professional for details.

WHAT’S NOT COVERED • Orthoptic or vision training and any associated supplemental testing • Medical or surgical treatment of the eyes • Any eye examination, or any corrective eyewear, required by an employer as a condition of employment • Any injury or illness when paid or payable by Workers’ Compensation or similar law, or which is work-related • Charges in excess of the usual and customary charge for the Service or Materials • Charges incurred after the policy ends or the insured’s coverage under the policy ends, except as stated in the policy • Experimental or non-conventional treatment or device • Magnification or low vision aids not shown as covered in the Schedule of Vision Coverage • VDT (video display terminal)/computer eyeglass benefit • Claims submitted and received in excess of twelve (12) months from the original Date of Service

*Provider participation is 100% voluntary; please check with your Eye Care Professional for any offered discounts.

START IT Contributions to the HSA are tax-free for you whether they come from you or the company. BL Companies contributes $750 for individual coverage and $1,500 for employee + one or more. The contribution will be provided to employees in equal installments per pay period. Plans with an HSA typically cost less than other plans so the money you save on premiums can be put into your HSA. You save money on taxes and have more flexibility and control over your health care dollars. BUILD IT All of the money in your HSA is yours (including any contributions deposited by the company) even if you leave your job, change plans or retire. In 2022, the total of your contributions and the company’s can be up to $3,650 for individual coverage and $7,300 for family coverage. USE IT You can withdraw your money tax-free at any time, as long as you use it for qualified expenses (a list can be found on www.irs.gov). You can also save this money and hold onto it for future eligible health care expenses. GROW IT Unused money in your HSA will roll over, earn interest and grow tax-free over time. You decide how to use the HSA money, including whether to save it or spend it for eligible expenses. When your balance is large enough, you can invest it— tax-free.

HEALTH SAVINGS ACCOUNT (HSA) Available to those enrolled in an HDHP as long as you are not enrolled in any other health coverage or Medicare, or claimed as a dependent on someone else’s tax return. A Health Savings Account (HSA) is a savings account that belongs to you that is paired with an HDHP. It allows you to make tax-free contributions to a savings account to pay for current and future medical expenses for you and your dependents.

Does the company contribute? Amount for full-year 2022

✔ Employee: $750 Employee +1 or Family: $1,500

Can I contribute my own savings?

✔

Is there an IRS maximum annual contribution?

✔ Employee: $3,650 Family: $7,300 Those 55 and older can contribute an additional $1,000 annually.

Will my savings roll over each year? Will I earn interest on my savings? Are the savings tax-free?

✔

Do I keep the money if I leave the company?

✔

ESOP Fundamentals An ESOP is an employee retirement benefit plan through which all company employees have an opportunity to own company stock without having to pay for it. Each year, BL Companies can contribute cash to the ESOP. The ESOP in turn uses that cash to buy shares. Any extra cash accumulates in the ESOP. Once a year, the cash and shares are allocated among all employees who are eligible ESOP participants. The value of the shares is determined each year by an outside valuation firm. When an employee leaves BL Companies, they are entitled to the vested value of their account.

RETIREMENT PLANS

401(k) Plan administered by The Principal Group Employees are eligible to participate in the 401(k) plan immediately after receiving their first paycheck. Part-time employees have to put in 1000 hours of service over a 12-month consecutive period. There are funds from various asset classifications to choose from and an employee can contribute up to the maximum provided by IRS regulation before taxes. 401(k) Match BL Companies provides a 401(k) match. The 401(k) match is 100% on the first 3% and 50% on the next 2%.

“Our employee-owners have a stake in what we do and how we do it.”

LONG TERM AND SHORT TERM DISABILITY BL Companies provides full-time employees with Long & Short Term Disability Insurance from Sun Life Assurance Company — free of charge. This insurance is not for cases where an employee is disabled on the job, that would be considered a workers’ compensation claim. Long Term Disability Long Term Disability pays 60% of an employee’s salary up to a maximum benefit of $10,000 per month to the age of 65. It has a pre-existing condition clause, which states that if the individual has been to the doctor for anything in the 3 months before coverage under the plan, they will not be covered until they have satisfied a 12-month waiting period. Short Term Disability Short Term Disability pays 70% of an employee’s salary up to a maximum benefit of $2,500 per week for up to 12 weeks. There is no pre-existing condition clause, but there is a 7-day “elimination” period (that means one has to be under a doctor’s care for 7 days to qualify for short term disability). An employee can use PTO to supplement the STD benefit to get up to 100% of pre-disability earning.

LIFE INSURANCE All full-time employees receive a $50,000 life insurance policy whether or not they choose to become members of the health insurance plan. It is provided by the company at no cost to the employee. Voluntary Life Insurance BL Companies offers employees the opportunity to enroll and increase Life Insurance coverage in the Voluntary Life Insurance Plan as long as they remain an eligible employee and continue to pay premiums at a group rate. VOLUNTARY LIFE AND AD&D INSURANCE FOR YOU Employee Increments of $10,000 up to the lesser of $500,000 or 5x your base annual salary Guaranteed issue up to $100,000 VOLUNTARY LIFE AND AD&D INSURANCE FOR YOUR DEPENDANTS Spouse Increments of $10,000 (not to exceed 100% of your voluntary life and AD&D coverage) Up to a $250,000 maximum Guaranteed issue up to $50,000 Child(ren) 6 months to 19 years (23 if FTS): Increments of $2,500 to $25,000

NOTES

SUMMARY LIST OF BENEFITS Health Insurance • Medical coverage • Telemedicine

Paid Time Off • Accrued time off • Holidays • Bi-weekly pay day (direct deposit available) • Parental Leave

• Dental care • Vision care • Prescription coverage • Flexible spending accounts (FSAs) — health care & dependent care

Retirement Plans • Employee Stock Ownership Plan (ESOP) • 401(k) • 401(k) match Professional and Leadership Development • Leadership Development Training Program • Technical Training • Project Management Training

• Health savings account (HSA) • Employee assistance program

Life Insurance • Basic life insurance • Voluntary life insurance

• Company-paid educational seminars • Professional development assistance • Company-paid professional registration & society memberships Additional Benefits • Norton LifeLock Premier — A no-cost benefit to all employees! • Short & long term disability insurance • Workers’ compensation insurance • Employee referral finder’s fee program with an option to select student loan repayment • Free parking • Commuter Benefit Plan — transportation reimbursement program

For more information, contact our Director of Human Resources Mina Almengor | 203.630.1406 malmengor@blcompanies.com www.blcompanies.com

OUR MISSION STATEMENT I WHY WE EXIST To provide creative solutions that enhance the built and natural environment through the leadership and dedication of our employee owners working in partnership with our clients. OUR CORE VALUES I WHAT WE STAND FOR Integrity — We behave ethically and respectfully while holding ourselves accountable for our actions and performance. Excellence — We perform our work safely and take pride in achieving outstanding results in all aspects of what we do and the way we do it. Employee Ownership — We encourage the imagination, enthusiasm and collaboration of employees as it creates unlimited potential resulting in sustainable financial performance and profitability. We assist, support and reward personal and professional growth. Relationships — We build enduring relationships with our clients, business partners and communities by providing creative solutions and delivering exceptional service. Agility — We embrace change by being flexible, proactive and decisive in a constantly changing environment.

EMPLOYEE OWNED. CLIENT DRIVEN.

Corporate Headquarters BL Companies, Inc.

355 Research Parkway, Meriden, CT 06450 800.301.3077 | www.blcompanies.com

@BLCompanies

BL Companies

@blcompanies

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