2020 BENEFITS ROADMAP BENEFIT PLANS EFFECTIVE JANUARY 1, 2020, THROUGH DECEMBER 31, 2020.

2 MEDICAL INSURANCE PLANS

Employee Benefits Overview ....................................... 3

Enrollment ................................................................... 4

Medical Insurance Plans .............................................. 5

Anthem Tools and Resources ....................................... 7

Anthem Mobile Health App ......................................... 8

Wellness Programs .................................................... 10

Dental Insurance Plan ................................................ 11

Vision Insurance Plan ................................................. 12

Health Savings Account ............................................. 13

Flexible Spending Accounts ....................................... 14

Life and AD&D Insurance ........................................... 15

Disability Insurance ................................................... 16

Voluntary Critical Illness ............................................ 17

Voluntary Accident Insurance .................................... 17

Voluntary Pet Insurance ............................................ 17

Employee Assistance Program ................................... 18

401(k) Savings Plan .................................................... 18

Adoption Assistance .................................................. 18

Commuter Benefits ................................................... 19

Benefit Plan Contact Information .............................. 20

Benefits are an integral part of the overall compensation package provided by Centurion. Within this Benefits Roadmap you will find important information on the benefits available to you for the 2020 plan year (January 1, 2020, through December 31, 2020). Please take a moment to review the benefit options to determine which plans are best for you.

2 CONTENTS123

Qualifying life events include, but are not limited to:

Marriage, divorce, or legal separation

Birth or adoption of a child

Death of your spouse or covered child

Change in your spouse’s work status that affects his or her benefits

Change in your child’s eligibility for benefits

Qualified Medical Child Support Order

Loss of coverage under another employer's plan

3EMPLOYEE BENEFITS OVERVIEW

BENEFITS ELIGIBILITYYou are eligible to participate in Centurion's benefit plans if you are scheduled to work a minimum of 30 hours per week. Most benefits are effective on the first day of the month following your hire date. Eligibility for short- and long-term disability begins on the first day of the month following six months of continuous employment. You are eligible to participate in the 401(k) savings plan beginning the Monday after receiving your first paycheck.

The plans offer coverage for eligible dependents, including: Your legal spouse (opposite and same-sex). Your children to age 26 (age 25 for the critical illness benefit), including a stepchild, legally-adopted child, a child placed with you for adoption, a foster child, or a child for whom you are the legal guardian.

Your dependent children of any age who are physically or mentally unable to care for themselves and who became disabled before age 26.

You can sign up for benefits or change your benefit elections at the following times: Within 31 days of your initial eligibility date (as a newly-hired or newly-eligible employee; e.g., change from part-time to full-time status)

During the annual benefits open enrollment period Within 31 days of experiencing a qualifying life event

The choices you make at this time will remain the same through December 31, 2020. If you do not elect benefits during your initial eligibility period, you will not be able to elect coverage until the next plan year.

DEPENDENT ELIGIBILITY AUDITIf you enrolled dependents as a newly hired employee after February 1, 2019, you must participate in the annual dependent eligibility audit. This audit is held to ensure that only qualifying dependents are enrolled in the medical, dental, or vision plans. If you are covering a dependent, you will be required to submit documents to prove eligibility, including a marriage or birth certificate.

Ineligible dependents include, but aren’t limited to, children over the limiting age, grandchildren, nieces, nephews, parents, sisters or brothers, girlfriends or boyfriends, unless they are a legal dependent.

CHANGING YOUR BENEFITS DURING THE YEARCenturion allows you to pay your portion of the medical, dental, and vision plan costs, and fund the flexible spending or health savings accounts, on a pre-tax basis. Due to IRS regulations, once you have made your elections for the plan year, you cannot change your benefits until the next annual open enrollment period. The only exception is if you experience a qualifying life event. Election changes must be consistent with your life event.

To make changes due to a qualifying event, visit www.YourCenturion.com within 31 days of the qualifying event. You will need to submit proof of the change, such as a marriage certificate or record of birth. Change requests submitted after 31 days cannot be accepted. Contact the Benefits Department at 800-416-3649 or email Benefits@TeamCenturion.com.

4 ENROLLMENT

BENEFITS ENROLLMENT1. Read this Benefits Roadmap carefully for details on the benefit programs.2. Complete your benefits enrollment online through www.YourCenturion.com.

YOURCENTURIONYourCenturion is your gateway to view and update your information in Centurion’s HR system. With YourCenturion, your record is at your fingertips from any computer via the internet.

When you log in, you are able to: Enroll in benefits Check your available PDO View your benefit enrollments Adjust your tax exemptions Change your name or address Revise your direct deposit accounts

LOGIN INSTRUCTIONS1. Log into www.YourCenturion.com. Your username is your last name followed by the last 4 digits of your SSN—e.g.,

Smith8901. Your first time login password is your date of birth, eight digits, no spaces, no dashes—e.g., 12311986for December 31, 1986. If you don’t remember your password, please email Benefits@TeamCenturion.com torequest a password reset. If you have multiple last names or a hyphenated last name, you may need to contact theBenefits Department to obtain your username.

2. Browse or change your information at your convenience.

If you are having trouble logging in, please contact the Benefits Department at Benefits@TeamCenturion.com or800-416-3649.

5MEDICAL INSURANCE PLANS

Centurion offers three medical plan options through Anthem: the KeyCare Standard PPO Plan, the KeyCare Choice PPO Plan, and the Lumenos High-Deductible Health Plan (HDHP). All three plans offer in- and out-of-network benefits, providing you the freedom to choose any provider. However, you will pay less out-of-pocket when you choose a network provider. Locate an Anthem network provider at www.anthem.com.

MEDICAL INSURANCE PLANSThe table on page 6 summarizes the key features of the medical plans. The coinsurance amounts listed reflect the percent you pay. Please refer to the summary plan descriptions for additional information on coverage and exclusions.

PREVENTIVE CAREThe Anthem medical plans cover in-network preventive care at 100%. This includes routine screenings and checkups, as well as counseling to prevent illness, disease, or other health problems.

You won’t have to pay anything—no deductible, copay, or coinsurance—for preventive services when: You get them from a doctor or other health care provider in the Anthem network.

The main purpose of your visit is to receive preventive care.

Talk to your primary care physician to find out which screenings, tests, and vaccines are right for you, when you should get them, and how often. Please be aware that you will be responsible for the cost of any non-preventive care services you receive at your preventive care exam. Learn more about preventive care at www.anthem.com.

AFFORDABLE CARE ACT INDIVIDUAL MANDATEYou and your family members may be required to have health insurance. Mandates and penalties vary by location. Visit www.healthcare.gov for more information.

6 MEDICAL INSURANCE PLANS

Summary of BenefitsKEYCARE STANDARD PPO PLAN KEYCARE CHOICE PPO PLAN LUMENOS HDHP

In Network Out of Network In Network Out of Network In Network Out of Network

Annual DeductibleIndividual/Family $1,000/$2,000 $2,000/$4,000 $500/$1,000 $1,000/$2,000 $2,800/$5,600

Out-of-Pocket Max(Includes deductible, coinsurance, and copays)Individual/Family $4,500/$9,000 $9,000/$18,000 $2,500/$5,000 $5,000/$10,000 $4,500/$9,000 $4,500/$9,000

Preventive Care Plan pays 100% 50% after ded. Plan pays 100% 40% after ded. Plan pays 100% 40% after ded.

Physician ServicesPrimary CareSpecialist Office VisitLiveHealth Online1

$25 copay$40 copay$15 copay

50% after ded.50% after ded.

N/A

$20 copay$30 copay$10 copay

40% after ded.40% after ded.

N/A

20% after ded.20% after ded.

$49 fee

40% after ded.40% after ded.

Not covered

Urgent Care $25 copay PCP$40 copay specialist 50% after ded. $20 copay PCP

$30 copay specialist 40% after ded. 20% after ded. 40% after ded.

Hospital CareInpatient HospitalizationOutpatient SurgeryEmergency Room

30% after ded.30% after ded.

50% after ded.50% after ded.

20% after ded.20% after ded.

40% after ded.40% after ded.

20% after ded.20% after ded.

40% after ded.40% after ded.

$200 copay; waived if admitted $150 copay; waived if admitted 20% after ded.

Diagnostic ProceduresLab and X-RayMRI, CT, PET, etc.

30% (ded. waived)30% (ded. waived)

50% after ded.50% after ded.

20% (ded. waived)20% (ded. waived)

40% after ded.40% after ded.

20% after ded.20% after ded.

40% after ded.40% after ded.

Prescription DrugsTier 1: Preferred GenericTier 2: GenericTier 3: Preferred BrandTier 4: Non-Preferred Brand & SpecialtyMail Order (90-day supply)

$10/$20 copay2

30% up to $50/$602 30% up to $75/$852 30% up to $75/$85 2

2x retail copay

$20 copay30% up to $6030% up to $85Not covered

Not covered

$10/$20 copay2

30% up to $50/$602 30% up to $75/$852 30% up to $75/$852

2x retail copay

$20 copay30% up to $6030% up to $85Not covered

Not covered

20%/30% after ded.2

20%/30% after ded.2

20%/30% after ded.2

20%/30% after ded.2

20% after ded.

30% after ded.30% after ded.30% after ded.

Not covered

Not covered

Preventive Drugs Plan pays 100% Plan pays 100% Plan pays 100% Plan pays 100% Plan pays 100% Plan pays 100%

Coverage Level KEYCARE STANDARD PPO PLAN KEYCARE CHOICE PPO PLAN LUMENOS HDHP

Employee Only $74.95 $180.10 $25.66

Employee + Spouse $203.57 $443.77 $117.56

Employee + Child(ren) $155.44 $314.58 $71.13

Family $296.00 $607.85 $178.05

Preventive PrescriptionsAll three medical plans offer a preventive prescription benefit. Preventive drugs are maintenance medications that help you manage your chronic conditions such as blood pressure, cholesterol, and diabetes, and are available to you at no cost. Preventive and formulary drug lists can be found online at www.anthem.com.

Medical Plan CostsListed below are the per-pay-period deductions (26 pay periods per year) for medical insurance. The amount you pay for coverage is deducted on a pre-tax basis.

(1) LiveHealth Online psychology visit copays are $25 for the KeyCare Standard PPO Plan and $20 for the KeyCare Choice PPO Plan. (2) Members willpay the lower amount for their prescriptions when they select a Choice Tier Network pharmacy. Visit www.anthem.com to learn more.

7ANTHEM TOOLS AND RESOURCES

ANTHEM MOBILE HEALTHIf you are enrolled in one of the Anthem medical plans and have not yet registered

for the Mobile Health Consumer app, this is a great time to do so. The Mobile Health Consumer app allows you to find the answers you need, when you need them. It’s technology that brings together your health plan data with programs, resources, and personalized content specific to your health. With Anthem Mobile Health, you can see a doctor face-to-face online, view your ID card, get reminders about scheduling, receive suggestions and tips for managing health conditions, and much more. See page 8 for details.

Download the app in the App Store or Google Play by searching for Mobile Health Consumer.

ANTHEM TOOLS AND RESOURCES

Anthem Member PortalSee your benefits, coverage, and costs in one place with the Anthem member portal. Log in at www.anthem.com to manage spending for your care, understand your claims, keep your health history in one secure place, and more.

24/7 NurseLineCall the 24/7 NurseLine anytime to talk to a registered nurse about your health concerns. Nurses can answer your questions about preventive care and help you make the right choice about where to get your health concerns treated, which may end up saving you money and time. Connect with a nurse by calling 800-337-4770.

Health Care Cost EstimatorLab tests, X-rays, and procedures such as back surgeries and knee replacements can vary a lot in price depending on where you go. With the Estimate Your Cost online tool, find out the cost for hundreds of procedures before setting foot in a doctor’s office.

DON’TFORGET

Personalized Navigation Participate in ChallengesRewards and IncentivesUnderstand Your Health and Health RisksPersonal Health RemindersDigital Health CoachingPersonalized Communications andPersonalized Communications andEducation

Medical ID CardsMedical Plan SummariesMedical Plan Deductibles and Copay InformationLocate In-Network Doctors or NearestUrgent CareVView Health Savings Account BalancesAccess by Your Mobile Device or Computer

Don’t have a mobile device?Access the app from your computer:

http://www.mobilehealthconsumer.com/web/page/login.html

Available in App Store& Google Play

Download MobileHealth Consumer and start learningmore about your health today!

One App for all your benefit,wellness and employeecommunications!

ANTHEM TOOLS AND RESOURCESKnow Where to Go for Health Care

Where you go for medical services can make a big difference in how much you pay and how long you wait to see a health care provider. Use the chart below to help you choose where to go for care.

NO

NO

Do you have a life- or limb- threatening

medical emergency?

YES

Is your primary care doctor available?

Do you have a routine issue such as a sinus problem, rash, or pink

eye?

Care without leaving your house. An appointment with a physician is available from your phone or computer.

Log into www.livehealthonline.com to make an appointment.

Use Telemedicine

For care during normal office hours, it’s usually best to go to your primary care doctor. He or she can provide follow-up care and refer you to a specialist, if needed.

Go to Your Primary Care Doctor

Urgent care centers typically don’t require an appointment and are often open in the evenings and on weekends. Plus, in-network urgent care centers are faster and much less expensive than the emergency room (ER).

Go to an Urgent Care Center

In the case of a true medical emergency, go to the ER. At the ER, true emergencies are treated first, and other cases must wait—sometimes for hours. And, it will cost you a lot more to get care at the ER.

Go to the Emergency Room

$ $$ $$$ $$$$

NO

YES

YES

START

9ANTHEM TOOLS AND RESOURCES

10 WELLNESS PROGRAMS

WELLNESS PREMIUM CREDITCenturion supports employees in their total health and wellbeing, and believes that employees should take responsibility for personal choices that may impact their health status. If you complete an annual wellness exam before October 31 each year, you will earn the Wellness Premium Credit. The premium credit is a reduction in your payroll deductions for medical insurance premiums. If you get a wellness exam annually, you will continue to receive this credit year after year. There is no paperwork required to receive this benefit. Anthem will automatically notify Centurion if you fulfill this requirement.

WELLNESS ACTIVITY SUBSIDYCenturion encourages participation in ongoing fitness and weight management programs designed to promote overall health and wellbeing. We are pleased to offer a Wellness Activity Subsidy of 50% up to $200 per year to benefit eligible employees (working 30+ hours per week) who participate in either a fitness-related facility or weight management program.

To qualify, you must have participated in an activity program to improve your overall health and have been in an active full-time status for at least three consecutive months. Deadline for submission is June 30 of each year. To find more information, please go to the Centurion Portal and click on HR Benefits.

DISEASE MANAGEMENTAnthem offers disease management programs to help members manage chronic conditions. If you are enrolled in an Anthem medical plan, an Anthem representative may contact you to help you manage your chronic condition. Their goal is to help you improve your health. This service is confidential and no personal information is shared with Centurion. You can decline participation in this program.

You must complete an annual physical (wellness exam) by October 31 each year with your physician to qualify. The exam is covered 100% by all Anthem medical plans if performed by an in-network doctor. The premium credit will go into effect in the new plan year.

Here’s How it Works:

11DENTAL INSURANCE PLAN

DENTAL INSURANCECenturion offers a dental insurance plan through Delta Dental of Virginia. The PPO Plus Premier Plan provides in- and out-of-network benefits, allowing you the freedom to choose any dentist. The amount you pay varies based on whether you see a Delta Dental PPO dentist, Delta Dental Premier dentist, or out-of-network (non-participating) dentist. A current list of participating providers can be found at www.deltadentalva.com. Please refer to the summary plan description for additional information on coverage and exclusions.

Preventive exams do not apply toward your annual maximum benefit—NEW BENEFIT in 2020! You will pay less out-of-pocket when you choose a Delta Dental PPO dentist. Delta Dental PPO and Premier dentists file claims directly with Delta Dental and accept Delta Dental’s reimbursement in full. When you choose a PPO or Premier dentist, you will only be responsible for your deductible and coinsurance, as well as any charges for non-covered services up to Delta Dental’s approved amount.

If you choose to visit an out-of-network dentist, you will incur additional out-of-pocket expenses, as you will be billed the total amount the dentist charges (called balance billing).

When you choose a Delta Dental PPO or Premier dentist, you are protected from balance billing. The coinsurance amounts listed below reflect the amount you pay.

Summary of BenefitsPPO PLUS PREMIER PLAN

Delta Dental PPO Dentist Delta Dental Premier Dentist Non-Participating Dentist

Annual DeductibleIndividual/Family $50/$150

Annual Benefit Maximum $1,500

Preventive and Diagnostic Services Plan pays 100% Plan pays 100% Plan pays 100%

Basic Services 10% after ded. 20% after ded. 20% after ded.

Major Services 50% after ded. 50% after ded. 50% after ded.

Implants 50% after ded. 50% after ded. 50% after ded.

Orthodontia Services (Coverage includes children and adults) 50%

Orthodontia Lifetime Maximum $1,500

MaxOverThe MaxOver benefit allows you to carry forward a portion ($375) of your unused annual benefit maximum for use in future years. That means your benefit maximum in future years may actually increase. To be eligible for MaxOver, you must:

Have at least one preventive exam and cleaning during the year; and

Have claims that are less than the $750 MaxOver claims threshold paid during the year.

Dental Plan CostsListed to the right are the per-pay-period deductions (26 pay periods per year) for dental insurance. The amount you pay for coverage is deducted on a pre-tax basis.

MaxOver rollover limits:Plan’s maximum benefit allowance $1,500

Submit claims up to the MaxOver claims threshold

up to $750

MaxOver amount added to next benefit period $375

Total benefit max. for next calendar year $1,875

Coverage Level PPO PLUS PREMIER PLANEmployee Only $11.39Employee + Spouse $20.28Employee + Child(ren) $21.39Family $32.30

12 VISION INSURANCE PLAN

VISION INSURANCECenturion offers a vision insurance plan through VSP. The plan offers in- and out-of-network benefits, providing you the freedom to choose any vision provider. However, if you select an out-of-network provider, you may be responsible for paying in full at the time of service and submitting a claim for reimbursement. VSP does not issue ID cards; instead, you will use a participating provider and your Social Security number to determine eligibility. To find a participating provider, go to www.vsp.com.

The table below summarizes the key features of the vision plan. Please refer to the summary plan description for additional information on coverage and exclusions.

Summary of BenefitsVSP VISION PLAN

In Network Out of Network

Eye Exam (once every 12 months) $10 copay Up to $69 reimbursement

Prescription GlassesLenses Single/Bifocal/Trifocal (once every 12 months)Frames (once every 24 months)

$25 copay$150 allowance1

Up to $31/$50/$65 reimbursementUp to $77 reimbursement

Contact Lenses (once every 12 months in lieuof lenses and frames)Elective $130 allowance Up to $115 reimbursement

(1) $80 Costco allowance

Extra Discounts and Savings* Laser vision correction: Average 15-20% off the regular price or 5% off the promotional price; discounts only available from VSP-contracted facilities.

Retinal screening: No more than a $39 copay on routine retinal screening as an enhancement to a WellVision Exam. Featured frame brands: Extra $20 to spend on featured frame brands. Go to www.vsp.com/specialoffers for details. 20% savings on additional glasses and sunglasses, including lens enhancements, from any VSP provider within 12 months of your last WellVision Exam.

KidsCare: Meets the needs of eye care and eyewear for growing children.• This program allows for two eye exams per year.• Frame allowance every 12 months.• Additional lens benefit if there is a .50 or greater diopter change.

*Most providers do not allow insurance combined with discounts, specials, and other insurance plans.

Vision Plan CostsListed below are the per-pay-period deductions (26 pay periods per year) for vision insurance. The amount you pay for coverage is deducted on a pre-tax basis.

Coverage Level VSP VISION PLAN

Employee Only $2.88

Employee + Spouse $5.06

Employee + Child(ren) $5.42

Family $8.66

13HEALTH SAVINGS ACCOUNT

HEALTH SAVINGS ACCOUNTIf you enroll in the Anthem High-Deductible Health Plan (HDHP), you may be eligible to open and fund a health savings account (HSA). An HSA is a personal health care savings account that you can use to pay out-of-pocket health care expenses with pre-tax dollars. Your contributions are tax free, and the money remains in the account for you to spend on eligible expenses no matter where you work or how long it stays in the account. Please note, PNC bank will automatically deduct $2.45 per month from your account for an administrative fee. You will automatically receive an HSA debit card if you enroll in the HDHP; however, you must also enroll in the HSA to use the HSA debit card.If you enroll in an HSA, you cannot contribute pre-tax dollars to a traditional health care FSA. However, you may participate in a limited purpose health care FSA (for dental and vision expenses only).

Contributions to an HSA (including the Centurion contribution) cannot exceed the 2020 IRS contribution maximums: Employee-only coverage: $3,550. All other coverage tiers: $7,100.

Employees age 55+ by December 31 of the plan year may contribute additional funds to their HSA (up to $1,000 in 2020).

HSA EligibilityYou are eligible to open and fund an HSA if: You are enrolled in the Anthem HDHP. You are not covered by a non-HSA plan, health care FSA, or health reimbursement arrangement.

You are not eligible to be claimed as a dependent on someone else’s tax return.

You are not enrolled in Medicare or TRICARE for Life. You have not received Veterans Administration Benefits in the last three months.

Maximize Your Tax Savings Contributions to an HSA are tax free and can be made through payroll deduction on a pre-tax basis if you open an account with PNC, Centurion’s partner institution.

If you open an account through an institution other than PNC, you will need to make post-tax contributions directly to the institution and take an “above the line” deduction on your federal income tax filing for any amounts you contribute to your HSA.

The money in your HSA (including interest and investment earnings) grows tax free.

As long as you use the funds to pay for qualified medical expenses, the money spent is tax free.

Pay for Qualified Medical Expenses You can use your HSA money to pay for eligible expenses now or in the future.

Funds in your HSA can be used for your expenses and those of your spouse and eligible tax-code dependents, even if they are not covered by the Anthem HDHP.

Eligible expenses include deductibles, doctor’s office visits, dental expenses, eye exams, prescription expenses, and LASIK eye surgery.

A complete list of eligible expenses can be found in Publication 502 on www.irs.gov.

Accessing Your HSA FundsImportant: Claims incurred before your HSA is open are not eligible for reimbursement. Debit card—Draws directly from your HSA and can be used to pay for eligible expenses at your doctor’s office, pharmacy or other locations where you purchase health-related items or services.

Pay bills online—Send payments directly to your health care providers, pharmacy or other payees for eligible expenses you paid out of your pocket.

Reimburse yourself—Request a check or schedule an electronic account transfer to pay yourself back for eligible expenses you paid out of your pocket.

If You Fund an HSA Through PNC

Centurion will match your HSA contribution to a maximum of $750 for employee-only coverage and $1,500 for all other coverage levels. The match will be prorated and distributed in equal per-pay-period installments.

14 FLEXIBLE SPENDING ACCOUNTS

FLEXIBLE SPENDING ACCOUNTSCenturion offers three flexible spending account (FSA) options—the health care FSA, the limited purpose health care FSA, and the dependent care FSA—which allow you to pay for eligible health care and dependent care expenses with pre-tax dollars. The FSAs are administered by TRI-AD.

How Does an FSA Work?You decide how much to contribute to each FSA on a plan year basis up to the maximum allowable amount. Your annual election will be divided by the number of pay periods and deducted evenly on a pre-tax basis from each paycheck throughout the year.

You will receive a debit card from TRI-AD, which can be used to pay for eligible health care expenses at the point of service. If you do not use your debit card, or if you have dependent care expenses to be reimbursed, submit a claim form and a bill or itemized receipt from the provider to TRI-AD. Keep all receipts in case TRI-AD requires you to verify the eligibility of a purchase.

Health Care FSA (not allowed if you fund an HSA)The health care FSA allows you to set aside money from your paycheck on a pre-tax basis (before income taxes are withheld) to pay for eligible out-of-pocket expenses, such as deductibles, copays, and other health-related expenses, that are not paid by the medical, dental, or vision plans. Over-the-counter (OTC) medications are not eligible for reimbursement without a prescription.

The health care FSA maximum contribution is $2,750 for the 2020 plan year.*

Limited Purpose Health Care FSA (if you fund an HSA)If you fund an HSA, you are not eligible to fund a health care FSA. However, you can fund a limited purpose health care FSA. A limited purpose health care FSA can only be used to reimburse dental and vision expenses. In addition, a limited purpose health care FSA can only be elected if you fund an HSA.The limited purpose health care FSA maximum contribution is $2,750 for the 2020 plan year.

Dependent Care FSAThe dependent care FSA allows you to set aside money from your paycheck on a pre-tax basis for day care expenses to allow you and your spouse to work or attend school full time. Eligible dependents are children under 13 years of age, or a child over 13, spouse, or elderly parent residing in your house who is physically or mentally unable to care for himself or herself. Examples of eligible expenses are day care facility fees, before- and after-school care, and in-home babysitting fees (income must be reported by your care provider).

You may contribute up to $5,000 to the dependent care FSA for the 2020 plan year if you are married and file a joint return or if you file a single or head of household return. If you are married and file separate returns, you can each elect $2,500 for the 2020 plan year.

Things to Consider Before Contributing to an FSA: Per IRS regulations, health care FSA, limited purpose health care FSA, and dependent care FSA dollars are use it or lose it (no roll over allowed).

You cannot take income tax deductions for expenses you pay with your FSA(s).

You cannot stop or change your FSA contribution(s) during the plan year unless you experience a qualifying life event.

Log into Your Account

Log into your account at www.tri-ad.com/fsa to view your account balance(s), calculate tax savings, view eligible expenses, download forms, view transaction history, and more.

15LIFE AND AD&D INSURANCE

BASIC LIFE AND ACCIDENTAL DEATH & DISMEMBERMENT INSURANCECenturion automatically provides basic life and AD&D insurance through Cigna to all benefits-eligible employees at no cost. If you die as a result of an accident, your beneficiary would receive both the life benefit and the AD&D benefit. Additionally Centurion automatically provides basic life insurance for your dependent spouse at no cost.

Employee life and AD&D benefits: 1x annual salary up to a maximum of $150,000.

Spouse life benefit: $10,000.

VOLUNTARY LIFE INSURANCECenturion provides you the option to purchase voluntary life insurance for yourself, your spouse, and your dependent children through Cigna. You must purchase voluntary coverage for yourself to purchase coverage for your spouse and/or dependents. Voluntary life rates are age banded. Benefits will reduce to 65% at age 65, 45% at age 70, 30% at age 75, and 20% at age 80. Coverage for your spouse ends when he/she reaches age 70.

If you elect coverage when first eligible, you may purchase up to the guarantee issue amounts without completing medical evidence of insurability (EOI). If you do not enroll when first eligible, and choose to enroll during a subsequent annual open enrollment period, you will be required to complete EOI for any amount of coverage. Coverage will not take effect until approved by Cigna.

Employee: $10,000 increments up to $1,250,000 or 4x annual salary, whichever is less.

Spouse: $5,000 increments up to 50% of the employee’s election or $100,000, whichever is less.

Dependent children: $10,000.

Voluntary Life Insurance CostsListed below are the per-pay-period rates per $1,000 of coverage (26 pay periods per year) for voluntary life insurance. The amount you pay for coverage is deducted on a post-tax basis. Employee life rates are based on your age as of January 1, 2020. Spouse life rates are based on your spouse’s age as of the January 1, 2020.

AgeEmployee Rate

Per $1,000 of coverageSpouse Rate

Per $1,000 of coverageChild Rate

Per $1,000 of coverage

<20 $0.0295 $0.0295

$0.0923

20–24 $0.0282 $0.028225–29 $0.0309 $0.030930–34 $0.0378 $0.037835–39 $0.0457 $0.045740–44 $0.0614 $0.061445–49 $0.0988 $0.098850–54 $0.1555 $0.155555–59 $0.2709 $0.270960–64 $0.4283 $0.428365–69 $0.7200 $0.720070–74 $1.1248 N/A75–79 $1.1248 N/A80–84 $1.1248 N/A85–89 $1.1248 N/A90–94 $1.1248 N/A95 + $1.1248 N/A

Coverage amount ÷ 1,000 = $____________(Line A)

Line A x age banded rate = $____________(Line B)(per-pay-period costs)

How to Calculate Your Per-Pay-Period Life PremiumThe following steps will help you calculate your per-pay-period life insurance premium cost:

1. Divide your coverage amount by $1,000.

2. Multiply that figure by the rate that correspondswith your age (see table).

3. This is your per-pay-period cost.

16 DISABILITY INSURANCE

SHORT-TERM DISABILITY INSURANCECenturion automatically provides short-term disability (STD) insurance through Cigna to all benefits-eligible employees at no cost effective on the first day of the month following or coinciding with six months months of continuous employment. STD insurance is designed to help you meet your financial needs if you become unable to work due to an illness or injury. Benefits will be reduced by other income, including state-mandated short-term disability plan benefits. This is a company-paid benefit and any STD benefit payments you receive will be taxable.

Benefit: 60% of base weekly pay up to $1,000 per week

Elimination period: 14 days

Benefit duration: Up to 13 weeks for an approved disability from original date of disability less the elimination period

VOLUNTARY LONG-TERM DISABILITY INSURANCECenturion provides you the option to purchase voluntary long-term disability (LTD) insurance through Cigna. LTD insurance is designed to help you meet your financial needs if your disability extends beyond the STD period. For newly hired employees, this coverage, if elected, will begin on the first day of the month following or coinciding with six months of continuous employment:

Benefit: 60% of base monthly pay up to $6,000 per month

Elimination period: 90 days

Benefit duration: 2 years own occupation then any occupation to age 65

Voluntary LTD Insurance CostsListed below are the per-pay-period rates per $100 of monthly salary (26 pay periods per year) for voluntary LTD insurance. The amount you pay for coverage is deducted on a post-tax basis.

AgeLTD Rate

Per $100 covered salary

<30 $0.186930-34 $0.240035-39 $0.253840-44 $0.300045-49 $0.318550-54 $0.336955-59 $0.350860-64 $0.304665+ $0.3046

How to Calculate Your Monthly LTD PremiumThe following steps will help you calculate your monthly LTD insurance premium cost:

1. Divide your annual earnings by 12 to get to your monthly earnings. If yourmonthly earnings are greater than $10,000, use $10,000 as your monthly earnings.

2. Divide that figure, your monthly earnings, by 100.

3. Multiply the rate that corresponds with your age (see table) by 26 and divide by12, to get a monthly rate.

4. Multiply your monthly earnings from step 2 with your monthly rate from step 3.

5. This figure represents your monthly premium cost.

Annual earnings ÷ 12 = $______________(Line A)Line A ÷ 100 = $______________(Line B)

(Age banded rate x 26) ÷ 12 = $______________(Line C)

Line B x Line C = $______________(Line D)(monthly premium cost)

To calculate your per-pay-period cost, take your monthly premium from step 5 and multiply it by 12 then divide by 26.

17VOLUNTARY CRITICAL ILLNESS PLAN

VOLUNTARY CRITICAL ILLNESSCenturion provides you the option to purchase voluntary critical illness coverage through The Hartford. The critical illness plan helps protect you and your family in the event of a critical illness. The plan pays a cash benefit if you are diagnosed with a covered illness while insured under the policy. Critical illness insurance covers a range of illnesses, including cancer, heart attack, and more.

You may use the payment in any way you choose, including paying for deductibles and coinsurance, everyday living expenses, recovery and rehabilitation, child care or caregiver expenses, and travel expenses to and from treatment center(s). As part of the plan, members receive a benefit of $100 for completing an annual health screening. The health screening benefit provides a flat reimbursement for each covered member after a 90-day waiting period from the effective date of the policy. View the summary plan description for specific rates. You will not be required to submit evidence of insurability for coverage.

You can choose the amount of coverage available at the time of enrollment. Coverage options for yourself are: $5,000, $10,000, $20,000, or $30,000. You must purchase coverage for yourself if you wish to purchase coverage for your spouse or dependents. Spouse: 50% of the employee’s amount Child(ren): $5,000

VOLUNTARY PET INSURANCECenturion provides you the option to purchase voluntary pet insurance through Nationwide. You have two plan options to choose from: My Pet Protection and My Pet Protection with Wellness. My Pet Protection includes accidents, illnesses, and surgeries, while My Pet Protection with Wellness includes wellness exams, vaccinations, dental cleanings, and more. You can purchase a plan that best suits your budget. For pricing and additional information, contact Nationwide at 888-899-4874 or www.petinsurance.com/centurion. Note: Pre-existing conditions are not covered.

VOLUNTARY PET INSURANCE

VOLUNTARY ACCIDENT INSURANCECenturion provides you the option to purchase accident insurance for yourself, your spouse, and your dependent child(ren) through The Hartford.

Accident insurance can help relieve the financial impact of a covered accident by providing cash benefits for covered injuries and related services and treatments. You may use the direct payments in any way you choose, including paying for deductibles and coinsurance, and everyday living expenses.

Listed to the right are the per-pay-period rates (26 pay periods per year) for the accident plan. The amount you pay for coverage is deducted on a post-tax basis.

Coverage Level VOLUNTARY ACCIDENT INSURANCE

Employee Only $3.45

Employee + Spouse $5.42

Employee + Child(ren) $5.73

Family $9.02

VOLUNTARY ACCIDENT INSURANCE

18 EMPLOYEE ASSISTANCE PROGRAM

ADOPTION ASSISTANCECenturion offers $1,000 in adoption assistance to all eligible full-time employees who have completed at least one year of continuous service and are going through the adoption process. The full policy and forms can be found on Centurion Benefits Department’s portal page.

EMPLOYEE ASSISTANCE PROGRAMAs your employer, Centurion cares about your total wellbeing, which is why we provide the employee assistance program (EAP) at no cost. All employees and their household members are eligible for the EAP, regardless of whether they participate in our benefit plans.

Assistance is available for the following personal and work-life situations and more: Anger management Communication issues Family and parenting issues

Stress and anxiety Substance abuse Marital problems Emotional wellbeing

Co-worker conflict Child care Financial services Identity theft

Legal consulting Pet care Senior care Critical incident response

This is a free, strictly confidential service that includes telephonic counseling and up to three face-to-face visits each year with a licensed counselor. Access the EAP 24/7 by calling 877-622-4327 or go online to www.mycigna.com and reference Centurion.

401(k) SAVINGS PLANCenturion believes strongly in providing a resource for employees to save for retirement. Part of that commitment includes providing this benefit to part-time employees as well as full-time employees.

You are eligible to participate on the Monday after receiving your first paycheck and may enroll over the phone by calling 800-755-5801 or online at my.trsretire.com.

Here are some specifics about the plan: Full- and part-time employees may elect to defer up to 75% of their compensation on a pre-tax and/or after-tax basis up to the IRS annual limit ($19,500 for 2020). If you are age 50+ by December 31, 2020, you may make additional contributions ($6,500 for 2020). Centurion matches 50% of the first 3% you elect to defer, up to a maximum of 1.5% per-pay-period for eligible earnings. Employees are immediately vested in the matching contributions. The plan provides 19 different mutual funds and 11 target date funds from which to choose for investing.

401(k) PLAN

ADOPTION ASSISTANCE

19COMMUTER BENEFITS

COMMUTER BENEFITSCenturion allows you to pay up to $270 per month for commuter transit costs and $270 per month for commute-related parking costs with tax-free dollars through TRI-AD. Below is a description of the commuter products available.

Public Transportation and Vanpools Commuter check vouchers: Commuter checks can be used to purchase transit passes, tickets, fare cards, or other fare media for the transit authority of your choice. They can also be used to pay for vanpool expenses. Commuter checks come in flexible denominations to meet your transit needs and are valid for 15 months.

Commuter check card: This card is accepted at transit agencies or designated transit retail centers where only transit and vanpool passes, tickets, and fare cards are sold.* The card can be also used at fare vending machines. This saves you time waiting in line and time locating a customer service desk or staffed sales area.

Fare media: Various transit passes, tickets, and fare cards are offered by participating transit authorities (tolls are not eligible) across the nation. They are sent directly to your home, so you avoid waiting in line to purchase your transit passes.

*For compliance reasons, the commuter check card can only be accepted at designated outlets that sell transit products exclusively, such astransit stations and kiosks. Stores that sell other products, such as station sundry shops, will not accept the commuter check card.

Parking Monthly direct pay: This solution allows TRI-AD to send payments directly to your parking provider each month, so you don’t have to worry about writing checks and mailing payments.

Commuter check for parking vouchers: These vouchers are made payable to the parking provider of your choice and can be used to pay for parking expenses. Commuter check for parking vouchers may be used to purchase one or more types of parking, and you can order as many vouchers as needed for multiple parking providers. They come in flexible denominations and are valid for 15 months.

Commuter check card: This prepaid card offers the functionality and convenience of a reloadable, personalized debit card for use at parking facilities nationwide. No receipts are necessary with this solution—just swipe and go.

Parking cash reimbursement: You can elect a monthly amount to be set aside from your paycheck into a pre-tax spending account. Once you have incurred out-of-pocket parking expenses, simply complete a claim form and submit it with receipts for reimbursement.

How to EnrollVisit www.tri-ad.com/commute to enroll in the commuter benefits. You must enroll by the tenth day of the month for your election to be effective on the first day of the following month. For example, enroll by June 10 for your election to be effective July 1.

For more information visit www.tri-ad.com/commute or call 888-844-1372 Monday through Friday from 8 a.m. to 9 p.m. EST.

20 BENEFIT PLAN CONTACT INFORMATION

This Benefits Roadmap is a brief summary of your benefits and does not constitute a policy. Centurion may amend the benefit program at any time. Your certificate booklets will contain the actual detailed provisions of your benefits. If there are any discrepancies between the information in this brochure and the certificate booklets, the certificate booklets will prevail.

Images © 2019 Getty Images. All rights reserved.

BENEFIT PLAN CONTACTSBenefit Provider Websites and Toll-Free NumbersEach carrier website contains valuable information regarding the benefit plans and an up-to-date list of participating providers.

Plan ADMINISTRATOR PLAN NUMBER PHONE NUMBER WEBSITECOBRA TRI-AD N/A 888-844-1372 www.tri-ad.com

Commuter Benefits TRI-AD N/A 888-844-1372 www.tri-ad.com

Critical Illness/Accident The Hartford 681119 866-547-4205 www.thehartford.com/employee-benefits/voluntary

Dental Delta Dental of Virginia 700032 800-237-6060 www.deltadentalva.com

Disability Cigna FLX960637

LTD Claims: 800-732-1603 STD Claims:

800-362-4462

www.mycigna.com

Employee Assistance Pro-gram Cigna Reference: Centurion 877-622-4327 www.mycigna.com

Flexible Spending Accounts TRI-AD N/A 888-844-1372 www.tri-ad.com

Health Savings Account PNC N/A 833-592-9956 www.anthem.com

Life/AD&D Cigna FLX960637 800-732-1603 www.mycigna.com

Medical Anthem BlueCross BlueShield 0A3W7K 833-630-6742 www.anthem.com

Pet Insurance Nationwide N/A 888-899-4874 www.petinsurance.com/centurion

Vision VSP Subscriber SSN 800-877-7195 www.vsp.com

401(k) Savings Transamerica Retire-ment Solutions QK62448-0001 800-755-5801 my.trsretire.com

Centurion Benefits Department 1593 Spring Hill Rd, Suite 610 Vienna, VA 22182

Email: Benefits@TeamCenturion.com Phone: 800-416-3649 Fax: 866-931-5087