2023 BENEFITS GUIDE

CONFIDENTIAL AND PROPRIETARY: This document and the information contained herein is confidential and proprietary information of USI Insurance Services, LLC ("USI"). Recipient agrees not to copy, reproduce or distribute this document, in whole or in part, w ithout the prior written consent of USI. Estimates are illustrative given data limitation, may not be cumulative and are subject to change based on ca rrier underwriting. © 2022 USI Insurance Services. All rights reserved.

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Inside the Guide Welcome .............................................................................................................................................................................................................. 1 Eligibility ............................................................................................................................................................................................................... 2 Helpful Terminology ........................................................................................................................................................................................ 3 Medical ................................................................................................................................................................................................................. 4 Health Savings Account (HSA)...................................................................................................................................................................... 6 Flexible Spending Accounts (FSA)............................................................................................................................................................... 7 Common IRS-Qualified Medical Expenses............................................................................................................................................... 8 Dependent Care Spending Account........................................................................................................................................................... 8 Dental .................................................................................................................................................................................................................... 9 Vision .................................................................................................................................................................................................................. 10 Life and AD&D ................................................................................................................................................................................................. 11 Voluntary Life and AD&D ............................................................................................................................................................................ 11 Short-Term Disability Insurance............................................................................................................................................................... 12 Long-Term Disability Insurance ................................................................................................................................................................ 12 Employee Assistance Program.................................................................................................................................................................. 13 Pet Insurance ................................................................................................................................................................................................... 13 Additional Voluntary Benefits Coverage............................................................................................................................................... 14 401(k) Plan........................................................................................................................................................................................................ 15 Important Contacts ....................................................................................................................................................................................... 16 Important Legal Notices Affecting Your Health Plan........................................................................................................................ 16

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Welcome Sunland employees are the foundation of our success, providing knowledge, talent, and passion that continues to propel our growth. Each of our projects represents our leading technology, superior products, and exceptional employees. At Sunland Asphalt & Construction LLC we recognize our ultimate success depends on our talented and dedicated workforce. We understand the contribution each employee makes to our accomplishments and so our goal is to provide a comprehensive program of competitive benefits to attract and retain the best employees available. Through our benefits programs we strive to support the needs of our employees and their dependents by providing a benefit package that is easy to understand, easy to access and affordable for all our employees. This brochure will help you choose the type of plan and level of coverage that is right for you. You can also view our benefit plans by accessing our website, benefits.sunlandasphalt.com Sincerely, Human Resources Department

How To Enroll Call the Benefits Service Center 855-898-6545 or online at benefits.sunland asphalt.com

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Eligibility Eligible Employees:

Family Status Change:

You may enroll in the Sunland Asphalt & Construction LLC Employee Benefits Program if you are a full-time employee.

A change in family status is a change in your personal life that may impact your eligibility or dependent’s eligibility for benefits. Examples of some family status changes include: ◼ Change of legal marital status (i.e., marriage, divorce, death of spouse, legal separation) ◼ Change in number of dependents (i.e., birth, adoption, death of dependent, ineligibility due to age) ◼ Change in employment or job status (spouse loses job, etc.) If such a change occurs, you must make the changes to your benefits within 30 days of the event date. Documentation may be required to verify your change of status. Failure to request a change of status within 30 days of the event may result in your having to wait until the next open enrollment period to make your change. Please contact HR to make these changes.

Eligible Dependents: If you are eligible for our benefits, then your dependents are too. In general, eligible dependents include your spouse, or qualified domestic partner and children up to age 26. If your child is mentally or physically disabled, coverage may continue beyond age 26 once proof of the ongoing disability is provided. Children may include natural, adopted, stepchildren and children obtained through court- appointed legal guardianship, as well as children of same sex stateregistered domestic partners.

When Coverage Begins: The effective date for your benefits outlined in this guide is January 1st, 2023. Newly hired employees and dependents will be effective in Sunland Asphalt & Construction LLC’s benefits programs on the first of the month following 30 days of employment. All elections are in effect for the entire plan year and can only be changed during Open Enrollment unless you experience a family status event.

Loss Of Coverage If you lose medical, dental, or vision coverage due to a separation of employment or reduction in hours, you may continue these coverages under COBRA regulations. Information will be sent to your home address on file regarding your right to elect COBRA benefits.

Section 125 Plan

Our Vision “To be the best place in the world to work.”

IRS Section 125 is a plan that allows employees to purchase insurance with pre-tax dollars. Under a Section 125 Plan, elections must be made before the first day of the plan year or eligibility date. Participants that utilize pre-tax deductions in the Section 125 Plan are not able to make a change to elections or cancel benefits until the beginning of the next plan year, unless they experience a Qualifying Event.

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Helpful Terminology ◼ Brand preferred drugs – 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 drugs – 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 ◼ Calendar Year Maximum – The maximum benefit amount paid each year for each family member enrolled in the dental plan ◼ Coinsurance – The sharing of cost between you and the plan. For example, 80 percent coinsurance means the plan covers 80 percent of the cost of service after a deductible is met. You will be responsible for the remaining 20 percent of the cost ◼ Copay – A fixed amount (for example $15) you pay for a covered health care service, usually when you receive the service. The amount can vary by the type of covered health care service ◼ Deductible – The amount you must pay for covered services before your health plan begins to pay ◼ Elimination Period – The time period between the beginning of an injury or illness and receiving benefit payments from the insurer ◼ Flexible Spending Accounts (FSA) – FSAs allow you to pay for eligible health care and dependent care expenses using tax-free dollars. The money in the account is subject to the “use it or lose it” rule which means you must spend the money in the account before the end of the plan year ◼ Generic drugs – A drug that offers equivalent uses, doses, strength, quality, and performance as a brand-name drug, but is not trademarked ◼ In-network – A designated list of health care providers (doctors, dentists, etc.) with whom the health insurance provider has negotiated special rates. Using in-network providers lowers the cost of services for you and the company ◼ Inpatient – Services provided to an individual during an overnight hospital stay

◼ Mail Order Pharmacy – Mail order pharmacies generally provide a 90-day supply of a prescription medication for the same cost as a 60day supply at a retail pharmacy. Plus, mail order pharmacies offer the convenience of shipping directly to your door ◼ Out-of-network – Health care providers that are not in the plan’s network and who have not negotiated discounted rates. The cost of services provided by out-of-network providers is much higher for you and the company. Additional deductibles and higher coinsurance will apply ◼ Out-of-pocket maximum – The maximum amount you and your family must pay for eligible expenses each plan year. Once your expenses reach the out-of-pocket maximum, the plan pays benefits at 100% of eligible expenses for the remainder of the year. Your annual deductible is included in your out-of-pocket maximum ◼ Outpatient – Services provided to an individual at a hospital facility without an overnight hospital stay ◼ Primary Care Provider (PCP) – A doctor (generally a family practitioner, internist, or pediatrician) who provides ongoing medical care. A primary care physician treats a wide variety of health-related conditions ◼ Reasonable & Customary Charges (R&C) – Prevailing market rates for services provided by health care professionals within a certain area for certain procedures. Reasonable and Customary rates may apply to out-of-network charges ◼ Specialist – A provider who has specialized training in a particular branch of medicine (e.g., a surgeon, cardiologist, or neurologist) ◼ Specialty drugs – A drug that requires special handling, administration, or monitoring. Most can only be filled by a specialty pharmacy and have additional required approval

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Medical Sunland Asphalt & Construction LLC w ill continue to offer tw o plans through Blue Cross Blue Shield of Arizona for medical coverage. The charts on the follow ing page are a brief outline of w hat is offered. Please refer to the summary plan description for complete plan details.

PPO Plans Low PPO: This plan has the low est cost per paycheck but the highest annual deductibles. This plan offers low copays for everyday care such as a sick visit, urgent care, and generic prescriptions. Age and gender appropriate Cancer screenings as w ell as preventive care are covered 100% by the plan, no cost to you!

High PPO: This plan has low er annual deductibles and out-ofpocket maximums than the Low PPO and HDHP options, w ith a slightly higher premium per paycheck. This plan offers affordable copays and deductibles, for everyday care such as a sick visit, urgent care, and generic prescriptions. Age and gender appropriate Cancer screenings as w ell as preventive care are covered 100% by the plan, no cost to you!

BOTH PPO Plans offer a nationw ide netw ork of doctors and hospitals and gives you the flexibility to choose any provider, how ever the plans pay higher benefits w hen you use in-netw ork providers.

HDHP with HSA The high deductible health plan, like the PPO, provides access to a nationw ide netw ork of doctors and hospitals. You pay a significantly low er monthly cost for coverage w ith the BCBS Deductible Health Plans. The BCBS HDHP plan w ill have a Health Savings Account (HSA) established and partially funded by Sunland w hich helps you pay for out-of-pocket expenses and can be applied tow ard your deductible. You w ill have access to a Health Savings Account (HSA) w hen enrolling in the BCBS HSA Plan. The funds in the HSA are used to pay for IRS qualified medical expenses such as services applied to the deductible, dental, vision, and more.

BCBS Contact Info: (602) 864-4861 www.azblue.com Important Info About Out-of-Network Providers You should know that using out-of-netw ork providers can cost you a lot of money. The plans pay benefits based on the allow able amount. If you go to a provider that is not in the Blue Cross Blue Shield netw ork, you w ill be responsible for paying:

◼ Billed charges above the allow able amount (explained below ),

◼ Higher coinsurance and deductibles, ◼ Balance billed charges above the out-of-pocket maximum,

◼ The full amount of any limited or non-covered services, and

◼ Failure-to-preauthorize penalty if you do not get advance approval for a service. BCBS establishes the allow able amount, w hich w ill be the lesser of the provider’s billed charges or the BCBS non-contracting allow able amount. The non-contracting allow able amount is developed from base Medicare participating reimbursements adjusted by a predetermined factor established by BCBS. The non-contracting allow able amount is usually much less than w hat the provider bills for charges. If you receive services from a non-contracted provider, you are responsible for paying the difference betw een the non-contracting allow able amount and w hat the provider charges. To find out the BCBS non-contracting allow able amount for a particular service, call customer service at the number on the back of your BCBS ID Card.

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Medical Plan Comparison BCBS of Arizona HDHP $4000

BCBS of Arizona High PPO $4000

BCBS of Arizona Low PPO $6500

In-Network

Out-of-Network

In-Network

Out-of-Network

In-Network

Out-of-Network

Individual

$4,000

$18,000

$4,000

$18,000

$6,500

$10,000

Family

$8,000

$36,000

$8,000

$36,000

$13,000

$20,000

Coinsurance

100%

50%

100%

50%

70% AD*

50% AD*

Individual

$6,000

$18,000

$6,000

$18,000

$8,700

$10,000

Family

$12,000

$36,000

$12,000

$36,000

$17,400

$20,000

Annual Deductible

Maximum Out-of-Pocket*

Physician Office Visit Primary Care

100% AD*

Specialty Care

100% AD*

Preventive Care

100%

50% AD* & balance bill 50% AD* & balance bill 50% AD* & balance bill

50% AD* & balance bill 50% AD* & balance bill 50% AD* & balance bill

$25 copay $50 copay 100%

50% AD* & balance bill 50% AD* & balance bill 50% AD* & balance bill

$25 copay $150 copay 100%

Diagnostic Services 50% AD* & balance Office Visit copay or 50% AD* & balance Office Visit copay or 50% AD* & balance bill 100% AD* bill 70% AD* bill 50% AD* & balance 50% AD* & balance 50% AD* & balance $250 copay 70% AD* bill bill bill 50% AD* & balance 50% AD* & balance 50% AD* & balance $75 copay $50 copay bill bill bill

X-ray and Lab Tests

100% AD*

Complex Radiology

100% AD*

Urgent Care Facility

100% AD*

Emergency Room Facility Charges*

100% AD*

100% AD*

$300 copay

$300 copay

70% AD*

70% AD

Inpatient Facility Charges

100% AD*

50% AD* & balance bill

100% AD*

50% AD* & balance bill

70% AD*

50% AD* & balance bill

Outpatient Facility and Surgical Charges

100% AD*

50% AD* & balance bill

100% AD*

50% AD* & balance bill

70% AD*

50% AD* & balance bill

Mental Health / Substance Abuse Inpatient

100% AD*

Outpatient

100% AD*

50% AD* & balance bill 50% AD* & balance bill

50% AD* & balance bill 50% AD* & balance bill

100% AD* 100% AD*

50% AD* & balance bill 50% AD* & balance bill

70% AD* 70% AD*

Other Services Chiropractic

50% AD* & balance bill

100% AD*

50% AD* & balance bill

100% AD*

50% AD* & balance bill

70% AD*

Retail Pharmacy (30 Day Supply) Generic (Tier 1)

$10 copay AD*

Preferred (Tier 2)

$30 copay AD*

Non-Preferred (Tier 3)

$50 copay AD*

Preferred Specialty (Tier 4)

$50 copay AD*/ $100 copay AD*/ $150 copay AD*/ $200 copay AD*

$10 copay AD* & balance bill $30 copay AD* & balance bill $50 copay AD* & balance bill Not covered

$10 copay & balance $5 copay AD* & $5 copay bill balance bill $30 copay & balance 20% AD* $50 max 20% AD* $50 max bill charge charge & balance bill $50 copay & balance 30% AD* $75 max 30% AD* $50 max bill charge charge & balance bill

$10 copay $30 copay $50 copay $50 copay/ $100 copay/ $150 copay/ $200 copay

Not covered

40% to max $250

Not covered

Mail Order Pharmacy (90 Day Supply) is 2.5x Retail Cost AD* - Af ter Deductible

Employee Contributions (Per Paycheck) HDHP $4000

PPO $4000

PPO $6500

Employee

$8.00

$28.00

$2.00

Employee + Spouse

$50.00

$70.00

$25.00

Employee + Child(ren)

$48.00

$70.00

$24.00

Employee + Family

$75.00

$120.00

$37.50

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Health Savings Account (HSA) What is a Health Savings Account (HSA)? An HSA is a tax-sheltered bank account that you own to pay for eligible health care expenses for you and/or your eligible dependents for current or future healthcare expenses. The Health Savings Account (HSA) is yours to keep, even if you change jobs or medical plans. There is no “use it or lose it” rule; your balance carries over year to year. Plus, you get extra tax advantages with an HSA because: ◼ Money you deposit into an HSA is exempt from federal income taxes ◼ Interest in your account grows tax free; and ◼ You don’t pay income taxes on withdrawals used to pay for eligible health expenses (if you withdraw funds for noneligible expenses, taxes and penalties apply) ◼ Once you reach a $2,000 balance, you can invest any amount over the $2,000. You also have a choice of investment options which earn competitive interest rates, so your unused funds grow over time

Are you eligible to open a Health Savings Account (HSA)? Although everyone is able to enroll in the Qualified High Deductible Health Plan, not everyone is eligible to open and contri bute to an HSA. If you do not meet these requirements, you cannot open an HSA. ◼ You must be enrolled in a Qualified High Deductible Health Plan (QHDHP) ◼ You must not be covered by another non-QHDHP health plan, such as a spouse’s PPO plan ◼ You are not enrolled in Medicare ◼ You are not in the TRICARE or TRICARE for Life military benefits program ◼ You have not received Veterans Administration (VA) benefits within the past three months ◼ You are not claimed as a dependent on another person’s tax return ◼ You are not covered by a traditional health care flexible spending account (FSA). This includes your spouse’s FSA (Enrollment in a limited purpose health care FSA is allowed)

2023 HSA Contributions You are able to contribute to your Health Savings Account on a pre-tax basis through payroll deductions up to the IRS statutory maximums. The IRS has established the following maximum HSA contributions: FOR THE 2023 TAX YEAR: ◼ Individual: $3,850; Sunland contributes $600 annually ◼ Family: $7,750; Sunland contributes $1,200 annually ◼ If you are age 55 and over, you may contribute an extra $1,000 catch up contribution ◼ Funds are deposited every Friday and are in your account for use the following Wednesday.

How do I get reimbursed for my eligible expenses? The easiest way to use your HSA dollars is by using your HSA Debit Card at the time you incur an eligible expense. Or you can withdraw money from an ATM. But keep your receipts! You must be able to prove that you were reimbursing yourself for an eligible expense in the event that you are audited. If you use your HSA funds for non-eligible expenses, you will be charged a 20% penalty tax (if under age 65) as well as federal income taxes. You can manage your HSA through Health Equity www.healthequity.com, 24 hours a day, seven days a week. Health Equity provides helpful information about your HSA, including online calculators to help you add up your tax savings and see your HSA's possible future growth. For additional guidelines, please go online or call Health Equity at 866-346-5800.

Health Equity (866) 346-5800 www.healthequity.com

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Flexible Spending Accounts (FSA) You can set aside tax-free dollars each year to cover eligible out-of-pocket health care and daycare expenses. The plan is comprised of a health care spending account and a dependent care account. Each account is separate; you cannot use health care funds to pay for dependent care expenses or vice versa. You can elect to participate in one or more accounts, or you can waive coverage.

How the Plans Work ◼ You elect a contribution amount to deduct from your pay on a before-tax basis and put into the flexible spending account ◼ You may not change your contribution amount during the plan year unless it is consistent with a change in family status ◼ The IRS amended the “use it or lose it” provision to allow up to $570 of unused Health Care FSA monies from 2022 to automatically roll over and be available in 2023 It is important to plan your contribution amounts carefully. The Internal Revenue Service requires that you forfeit any money for which you have not incurred eligible expenses by the end of the plan year in excess of the roll over amount.

Health Care FSA / Limited Purpose (LP) FSA Funds that you set aside in a Health Care FSA or LP FSA can be used to reimburse yourself for eligible health care expenses not covered under the medical, prescription drug, dental, or vision plans. Reimbursements can be made for most expenses that would qualify for a health care deduction on your income tax return. NOTE: If you are enrolled in either of the HSA medical plans you can set aside pre-tax dollars to the Limited Purpose (LP) FSA for dental and vision services ONLY.

FSA Debit Card If you enroll in the Health Care FSA / LP FSA, Sterling will automatically send you an FSA debit card to your home. Many eligible transactions can be auto substantiated at the point of service. However, there are certain purchases that may be declined and require you to submit receipts to validate the expense. You will be reimbursed by HealthEquity for these purchases once the expenses have been approved.

Examples of Eligible Health Care Expenses ◼ ◼ ◼ ◼ ◼ ◼

Deductibles, copays, coinsurance Prescription drugs and medicines Over-the-counter medications Hearing aids, batteries, and exams Prosthetic, orthopedic, and orthotic devices Acupuncture, chiropractic, and physical therapy visits ◼ Vision care (exams, glasses, contacts, Lasik surgery) ◼ Dental care (including orthodontia)

Ineligible Health Care Expenses ◼ ◼ ◼ ◼ ◼

Cosmetic expenses Massage therapy Health club dues Weight loss programs Insurance premiums

Substantiation and Submission of Claims If you incur ineligible Health Care expenses which cannot be auto substantiated and/or are declined via debit card, you will be required to submit claims forms to Sterling for processing and reimbursement.

Sterling Contact Info (800) 617-4729 www.sterlingadministration.com

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Common IRS-Qualified Medical Expenses ◼ ◼ ◼ ◼ ◼ ◼ ◼ ◼ ◼ ◼

Acupuncture Ambulance Serv ices Artif icial Teeth

◼ ◼ ◼

Birth Control and Treatment Blood Sugar Test Kits Breast Pumps and Lactation Supplies Chiropractor

◼ ◼ ◼

Contact Lenses and Solution Dental Treatments Doctor’s Of f ice Visits and Co-Pay s

◼ ◼ ◼

Drug Addiction Treatment Drug Prescriptions Durable Medical Equipment (Crutches, Wheelchairs, etc.) Ey eglasses (Prescription and Reading) Fluoride Treatments Feminine Hy giene Products Fertility Enhancement Flu Shots

◼ ◼ ◼ ◼ ◼ ◼ ◼ ◼ ◼ ◼

Hearing Aids and Batteries Inf ertility Treatment Inpatient Alcoholism Treatment Insulin Laboratory Fees Laser Ey e Surgery Medical Alert Bracelet Midwif e Orthodontics Orthotic Inserts (Custom Made or Off the Shelf )

◼ ◼ ◼ ◼ ◼ ◼ ◼ ◼ ◼

Ov er-the-Counter Medicines and Drugs Phy sical Therapy Special Education Serv ices Speech Therapy Stop-Smoking Programs Surgery , Excludes all Cosmetic Surgery Vaccines Vasectomy Vision Exam

Guide Dogs

This list is not comprehensive. It is provided to you with the understanding that Sunland Asphalt is not engaged in rendering tax advice. The information provided is not intended to be used to avoid federal tax penalties. For more detailed information, please visit https://www.irs.gov/forms-pubs/about-publication-502 for exact IRS guidance. If tax advice is required, you should seek the services of a professional.

Dependent Care Spending Account A Dependent Care Account can be used to pay for certain child/day care, or elder care expenses incurred during the plan year. Your dependent care expenses must be necessary in order for you and your spouse to work or actively look for work or attend school as a full-time student.

Eligible Dependent Care Expenses ◼ ◼ ◼ ◼ ◼ ◼

Childcare for a dependent age 13 or less, provided at a day care center or through a private provider Childcare for a dependent over age 13 if he/she is physically or mentally incapable of caring for him or herself Nanny services in the home associated with the care of a dependent Day camps associated with the care of a dependent Pre-school tuition that is day care related (price of tuition alone is not eligible) After-hours care that results from working odd hours or overtime

Ineligible Dependent Care Expenses ◼ ◼ ◼ ◼ ◼ ◼

Tuition cost for pre-school that is not associated with day care services, or for first grade and above Housekeeper/nanny services in the home that is not associated with care of a dependent Education related fees for classes or camps not associated with care of a dependent Entertainment related expenses Materials fee (i.e., books, clothing, food, etc.) After-hours care not associated with work

Dependent Care claims will be reimbursed only up to your account’s current balance. If a dependent care expense exceeds the dependent care balance, you’ll be reimbursed the additional amount as contributions are made to your account through your payroll deductions.

Benefit Coverages

Maximum Amount

Health Care FSA / LP FSA

$3,050

Dependent Care FSA

$2,500 (single or married filing separately) $5,000 (married filing jointly)

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Dental Sunland Asphalt & Construction LLC offers two plan options through Delta Dental of Arizona for a dental program.

6 Things a Dental Cleaning Can Do For You

The High Plan has a higher Annual Maximum and a higher coinsurance percentage on Major services. It also has coverage for Orthodontia services. Please Note: It is recommended that when a course of treatment is expected to cost $300 or more, and is of a non-emergency nature, your dentist should submit a treatment plan before he/she begins. This enables you to see what your out-of-pocket expenses will be so you are not surprised and can budget accordingly. There is also a possibility that suggested procedures may be denied, and alternative procedures approved based upon X-rays and supporting documentation. Please refer to the summary plan description for complete plan details.

Delta Dental AZ (800) 352-6132 Dental Comparison Delta Dental of Arizona Low Plan

Delta Dental of Arizona High Plan

In-Network Benefits

Out-of-Network Benefits

In-Network Benefits

Out-of-Network Benefits

Individual

$50

$50

$50

$50

Family

$150

$150

$150

$150

Waived for Preventive Care?

Yes

Yes

Yes

Yes

Per Person / Family

$1,500

$1,500

$2,500

$2,500

Preventive

100%

80%

100%

100%

Basic

100%

80%

80%

80%

Major

25%

25%

50%

50%

Annual Deductible

Annual Maximum

Orthodontia Benefit Percentage

Not covered

Not covered

50%

50%

Adults (and Covered Full -Time Students, if Eligible)

Not covered

Not covered

Not covered

Not covered

Dependent Child(ren)

Not covered

Not covered

Covered

Covered

Lifetime Maximum

N/A

N/A

$1,000

$1,000

Employee Contributions (Per Paycheck) MAC - Low Plan

High Plan

Employee

$0.94

$4.11

Employee + Spouse

$2.28

$9.69

Employee + Child(ren)

$2.81

$10.92

Employee + Family

$3.90

$16.14

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Vision Sight, it’s a beautiful thing and not to be taken for granted. Whether you want to be incognito and wear contact lenses or stand out in the crowd with the latest stylish frames, this vision plan has you covered. Go anywhere in the network for an exam, but we suggest you use a major retail chain when getting your frames and lenses. Sunland Asphalt & Construction LLC provides Vision Insurance. through EyeMed. To access a listing of providers (private practice and retail centers) logon to www.eyemed.com.

EyeMed (844) 225-3107 www.eyemed.com Vision Comparison EyeMed – Presented by Delta Dental of Arizona Vision Copay Routine Exams (Annual)

$10 copay

Vision Materials Materials Copay

$10 copay

Lenses

Benefit varies by type of lens. Covered every 12 months

Contacts Covered in lieu of frames. Medically necessary contacts may be covered at a higher benefit level

Elective contacts covered $150 allowance plus 15% off balance over allowance every 12 months

Frames

Covered at $150 allowance plus 20% off balance over allowance every 12 months

Employee Contributions (Per Paycheck) Vision Employee

$1.68

Employee + Spouse

$3.35

Employee + Child(ren)

$2.70

Employee + Family

$4.61

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Life and AD&D Sunland Asphalt & Construction LLC provides all benefit eligible employees $25,000 of Life and AD&D coverage at no cost to you. The Life and AD&D insurance offered through MetLife provides financial protection to your family. The Life insurance benefit will be paid to your designated beneficiary in the event of death while covered under the plan. The AD&D benefit will be paid in the event of a loss of life or limb by accident while covered under the plan. Please remember to review your beneficiaries and make any necessary adjustments. The above benefits will begin to decrease at age 65. All coverages terminate at retirement. See the summary plan description for more information or contact Human Resources.

Voluntary Life and AD&D In addition to the employer paid Basic Life and AD&D coverage, you have the option to purchase additional voluntary life insurance to cover any gaps in your existing coverage that may be a result of age reduction schedules, cost of living, existing financial obligations, etc. Your election, however, could be subject to medical questions and evidence of insurability. ◼ Employee must elect coverage in order to elect spouse/dependent coverage. ◼ For new hires, amounts over the guarantee issue for employee/spouse will require an Evidence of Insurability (EOI) form. ◼ Employees who do not enroll when initially eligible or who request coverage amounts that exceed the Guaranteed Issue amount will be required to complete the Evidence of Insurability (EOI) form to receive underwriting approval.

MetLife Insurance Company You Benefit Maximum

Increments of $10,000 up to a maximum of $300,000 (May not exceed five times annual salary)

Guaranteed Issue

$200,000

Your Spouse Benefit Maximum

Increments of $5,000 up to a 100% of the employee’s elected amount up to a maximum of $250,000

Guaranteed Issue

$30,000

Your Child Benefit Maximum

$10,000 flat benefit

Guaranteed Issue

$10,000

Weekly Rate per $10,000 by age (Spouse rate is based on employee’s age) Age of Covered Employee

0-29

30-34

35-39

40-44

45-49

50-54

55-59

60-64

$10,000

$0.27

$0.30

$0.37

$0.53

$0.83

$1.57

$2.47

$3.04

$5.21

$20,000

$0.55

$0.60

$0.73

$1.06

$1.66

$3.13

$4.93

$6.09

$10.43

$30,000

$0.82

$0.89

$1.10

$1.59

$2.49

$4.70

$7.40

$9.13

$15.64

$40,000

$1.10

$1.19

$1.47

$2.11

$3.31

$6.27

$9.87

$12.18

$20.85

$50,000

$1.37

$1.49

$1.83

$2.64

$4.14

$7.83

$12.33

$15.22

$26.07

$60,000

$1.65

$1.79

$2.20

$3.17

$4.97

$9.40

$14.80

$18.26

$31.28

$70,000

$1.92

$2.08

$2.57

$3.70

$5.80

$10.97

$17.27

$21.31

$36.49

$80,000

$2.20

$2.38

$2.94

$4.23

$6.63

$12.54

$19.74

$24.35

$41.70

$90,000

$2.47

$2.68

$3.30

$4.76

$7.46

$14.10

$22.20

$27.39

$46.92

$100,000

$2.75

$2.98

$3.67

$5.28

$8.28

$15.67

$24.67

$30.44

$52.13

Child(ren) Rate per dollar amount

$0.67 for $10,000

65-69

12

Short-Term Disability Insurance Your ability to earn income may be your most important asset. Disability insurance provides financial security to you and your family should you become unable to work due to sickness or injury. Sunland Asphalt & Construction LLC offers voluntary short-term disability option through MetLife Insurance Company This benefit covers 60% of your weekly base salary up to $1,154/week. The benefit begins after 7 days of injury or illness and lasts up to 12 weeks. Please see the summary plan description for complete plan details.

MetLife Insurance Company Short Term Disability Benefit amount

Up to 60% of weekly salary

When Benefits are Payable

Benefits are payable following a 7-day elimination period

Maximum Benefit

$1,154 per week which is $5,000 per month

Maximum Benefit Duration

12 weeks

Weekly Rate per $10 by age Age Band

0-34

35-39

40-44

45-49

50-54

55-59

60-64

65-69

70+

Rate (per $10 of Weekly Benefit)

$0.29

$0.30

$0.35

$0.44

$0.54

$0.73

$0.92

$1.04

$1.14

Benefit and Premium Calculator Example for 42 year old making $42,000 per year A. B.

Enter your annual salary

D. F.

60%

Multiply “A” times “B”

$25,200.00

Divide “C” by 52 (weeks in a year)

$484.62

Enter the Maximum Weekly Benefit

$1,000

Enter the lesser of “D” or “E”; This is your benefit amount

$484.62

Difide “F” by $10

$48.46

Enter the rate for your age from the table above

$0.35

G. H.

Multiply “G” times “H”

$16.96

Multiply “I” times 12 (months in a year)

$203.54

I. J.

K. L.

$42,000

Enter the weekly benefit percentage C.

E.

Your Calculations

enter the annual pay cycle

52

Divide “J” by “K”; This is your premium cost per paycheck

$3.91

60%

$1,000

52

Long-Term Disability Insurance Sunland Asphalt & Construction LLC provides long-term income protection through MetLife Insurance Company in the event you become unable to work due to a non-work-related illness or injury. The LTD benefit is included at no cost to you ONLY if you elect the Voluntary Short-Term Disability benefit. This benefit covers 60% of your monthly base salary up to $5,000. Benefit payments begin after 90 days of disability. See Certificate of Coverage for benefit duration. Please see the summary plan description for complete plan details.

MetLife Insurance Company Long Term Disability Benefit amount

Up to 60% of monthly salary

When Benefits are Payable

Benefits are payable following a 90-day elimination period

Maximum Benefit

$5,000 per month

Maximum Benefit Duration

Benefits are payable to your Social Security normal retirement age

13

Employee Assistance Program When you find yourself in need of professional support to deal with personal, work, financial, or family issues, your Employee Assistance Program (EAP) through CuraLinc can assist at no cost to you. You and your immediate family can use this telephonic program for a variety of issues, such as: ◼ Legal ◼ Financial ◼ Stress, anxiety, and depression ◼ Marital and family conflicts ◼ Drug/alcohol abuse ◼ Parent and child relationships Don’t Delay - Call Today EAP staff members are available 24 hours a day, 7 days a week, every day of the year by calling (888) 881-5462

Pet Insurance If you are a pet owner, you know how costly their care can be. United Pet Care (UPC) is a pet health care program that helps you save 10%-50% on each veterinary visit, potentially saving you hundreds of dollars on the cost of pet health care.

What's included in the plan? All in-house medical services and procedures, including: ◼ Dental Exams + X-Rays ◼ Surgical Procedures ◼ Office Visits ◼ Allergy Treatments ◼ Spay / Neuter ◼ Routine Care & Vaccines ◼ Diabetes Management ◼ Cancer Care ◼ Sick Visits ◼ Emergency Care ◼ Tumor Removal ◼ ◼ ◼ ◼ ◼

Ultrasound Hospitalization Parasite Screenings Wellness Visits Medications 1

Employee Contributions (Per Paycheck) Pet Insurance 1 Pet

$4.04

Each Additional Pet

$3.81

1 Medication coverage, and certain other exclusions, are on a vet-by-vet basis – specific coverage levels for each vet are available on our website

As great as the program is, it only works with in-network vets – check out www.unitedpetcare.com to find participating vets in your area!

14

Additional Voluntary Benefits Coverage Sunland Asphalt & Construction, LLC is pleased to offer Accident, Critical Illness and Hospital Indemnity coverage through MetLife. These voluntary coverages are offered to help offset the unforeseen expenses associated with accidents, critical illnesses, and hospital stays. They can help you cover your living expenses while out of work, pay your deductible and out of pocket expenses etc. The payments come directly to you to use at your discretion. Accident Insurance Plan The Accident Insurance plan provides employees with coverage that provide payments for covered accidents that occur when you are not at work. • With approximately 100 covered events with benefit payments of up to $150,000, the Accident Insurance plan will pay for covered accidents in addition to any other insurance payments you may receive. • Coverage is Guaranteed Issue, no medical questions are asked. • Wellness Benefit of $50 for you and your spouse • Spouse and Dependent Child(ren) coverage is also available.

Employee Contributions (Per Paycheck) Accident Employee

$3.62

Employee + Spouse

$7.12

Employee + Child(ren)

$8.55

Employee + Family

$10.09

Critical Illness The Critical Illness plan is designed to help employees and their families with the out -of-pocket costs associated with a critical illness. Critical illnesses include: Heart Attack, Stroke, Major Organ Failure, Chronic Renal Failure, Full and Partial benefit Cancer, and more. • Employees can purchase a $30,000 benefit. Coverage is available for Spouse and Children. • No medical questions as long as the employee is actively at work and has medical coverage. • Benefits are paid directly to the insured on a post-tax basis. • This plan is portable, so you may continue coverage if you leave the company for any reason. • Annual health screening benefit of $50 per calendar year for taking one of the eligible screening/prevention measures. • Refer to your Winston Benefits enrollment site for rates, plans are age rated. Hospital Indemnity Plan The Hospital Indemnity plan provides employees with coverage that provide payments for covered hospital events: • Coverage is Guaranteed Issue, no medical questions are asked. • Hospital admission - $1,000 • ICU admission – additional $1,000 • Hospital confinement - $200 per day, up to 15 days • ICU confinement – Additional $200 per day, up to 15 days • Spouse and Dependent Child(ren) coverage is also available.

Employee Contributions (Per Paycheck) Hospital Indemnity Employee

$3.00

Employee + Spouse

$8.97

Employee + Child(ren)

$5.33

Employee + Family

$11.30

15

401(k) Plan What Is A 401(K) Plan

Rollover

A 401(k) plan is an employer-sponsored retirement savings plan that is self-directed by you.

You may consolidate your retirement assets for ease of management and move them from one retirement account to another. Contact Fidelity directly for information on how to complete a rollover.

Who Is Eligible? All employees 18 years of age or older may participate in the 401(k) plan. You will be enrolled in the plan on the first of the month following 30 days of employment.

Employer Match Sunland Asphalt will match .50 cents for every dollar you contribute to your 401(k) up to 6% of your annual salary. Contributions will be deposited weekly into your account.

Deferral Contributions You may elect to defer a percentage of your eligible compensation each week to be withheld from your paycheck and deposited into your 401(k) account. You can choose the percentage that is deferred from 2% up to 75% of your weekly pay.

Annual Defined Contribution Limit This is the maximum contribution limit that applies to all employee and employer contributions in a calendar year; the maximum contribution limit is $58,000. For plan year 2023 the maximum employee contribution limit for employees under the age of 50 is $22,500 and $30,000 for those over the age of 50.

401(K) Funding Traditional Pre-Tax: Funds are deducted from your salary on a pre-tax basis. Your earnings are tax deferred until you withdraw your money from your account. This is the default option when you set up your contributions.

Roth (Post-Tax) Funds are deducted from your salary on a post-tax basis, and withdrawals are tax free if you follow the plan rules. Employer contributions will be pre-tax and tax deferred until you withdraw your money from the account.

Vesting You will be 100% vested in your contributions in your account. You become fully vested or entitled to the contributions your employer has made to the plan, including matching and discretionary contributions – after a certain period of service with your employer. ◼ Less than 1 Year of Service = 0% Vested ◼ 1 Year of Service with Sunland Asphalt = 33% Vested ◼ 2 Years of Service with Sunland Asphalt = 66% Vested ◼ 3 Years of Service with Sunland Asphalt= 100% Vested

Years Of Service This is calculated by taking the total number of months that you are employed with the company divided by 12. Breaks in service (time you are not actively working) is not included in the years of service calculation. Examples: ◼ If you started working for Sunland Asphalt in January 2020 you will be fully vested in your 401(k) account in January 2023. ◼ If you started working for Sunland Asphalt in January 2012 you have already completed 3 years of service and are fully vested. ◼ If you started working for Sunland Asphalt in January 2019 and were employed until February 2020 you only completed one year of service and are only 33% vested.

Fidelity NetBenefits (800) 827-3321 netbenefits.com

16

Important Contacts USI Mobile App

Carrier Customer Service

Sunland Asphalt & Construction LLC is pleased to offer onthe-go access to key benefit information through the USI Mobile App, MyBenefits2GO. Stay tuned for more information!

Additional information regarding benefit plans can be found at benefits.sunlandasphalt.com Please contact Human Resources to complete any changes to your benefits that are not related to your initial or annual enrollment.

CARRIER

PHONE NUMBER

WEBSITE

Medical PPO

BC/BS of Arizona

(602) 864-4861

www.azblue.com

Health Savings Account

Health Equity

(866) 346-5800

www.healthequity.com

Flexible Spending Account

Sterling

(800) 617-4729

www.sterlingadministration.com

Dental PPO

Delta Dental of Arizona

(800) 352-6132

www.deltadentalaz.com

Vision

Delta Dental of Arizona

(844) 225-3107

www.eyemed.com

Life and AD&D Voluntary Life and AD&D Short Term Disability (STD) Long Term Disability (LTD)

MetLife Insurance Company

(800) 638-5433

www.metlife.com

Employee Assistance Program

CuraLinc

(888) 881-5462

www.supportlinc.com

Pet Insurance

United Pet Care

(602) 266-5303

www.unitedpetcare.com

401(k)

Fidelity

(800) 827-3321

www.netbenefits.com

Human Resources

Sunland

(602) 323-2800

[email protected]

This brochure summarizes the benefit plans that are available to Sunland Asphalt & Construction LLC eligible employees and their dependents. Official plan documents, policies and certificates of insurance contain the details, conditions, maximum benefit levels and restrictions on benefits. These documents govern your benefits program. If there is any conflict, the official documents prevail. These documents are available upon request through the Human Resources Department. Information provided in this brochure is not a guarantee of benefits.

How To Enroll Call the Benefits Service Center 855-898-6545 or online at benefits.sunlandasphalt.com

17

Important Legal Notices Affecting Your Health Plan THE WOMEN’S HEALTH CANCER RIGHTS ACT OF 1998 (WHCRA) If you have had or are going to have a mastectomy, you may be entitled to certain benefits under the Women’s Health and Cancer Rights Act of 1998 (WHCRA). For individuals receiving mastectomy-related benefits, coverage will be provided in a manner determined in consultation with the attending physician and the patient, for: • All stages of reconstruction of the breast on which the mastectomy was performed; • Surgery and reconstruction of the other breast to produce a symmetrical appearance; • Prostheses; and • Treatment of physical complications of the mastectomy, including lymphedema. These benefits will be provided subject to the same deductibles and coinsurance applicable to other medical and surgical bene fits provided under this plan. Therefore, the following deductibles and coinsurance apply: • • •

HDHP $4000 High PPO $4000 Low PPO $6500

Deductible $4,000 $4,000 $6,500

Coinsurance 100% 100% 70%

NEWBORNS ACT DISCLOSURE - FEDERAL Group health plans and health insurance issuers generally may not, under Federal law, restrict benefits for any hospital leng th of stay in connection with childbirth for the mother or newborn child to less than 48 hours following a vaginal delivery, or less than 96 hours followin g a cesarean section. However, Federal law generally does not prohibit the mother’s or newborn’s attending provider, after consulting with the mother, from discharging the mother or her newborn earlier than 48 hours (or 96 hours as applicable). In any case, plans and issuers may not, under Federal law, req uire that a provider obtain authorization from the plan or the i nsurance issuer for prescribing a length of stay not in excess of 48 hours (or 96 hours).

NOTICE OF SPECIAL ENROLLMENT RIGHTS If you are declining enrollment for yourself or your dependents (including your spouse) because of other health insurance or group health plan coverage, you may be able to enroll yourself and your dependents in this plan if you or your dependents lose eligibility for that other coverage (or if the employer stops contributing toward your or your dependents’ other coverage). However, you must request enrollment within 30 days after your or your dependents’ other coverage ends (or after the employer stops contributing toward the other coverage). In addition, if you have a new dependent as a result of marriage, birth, a doption, or placement for adoption, you may be able to enroll yourself and your dependents. However, you must request enrollment within 30 days after the marriage, birth, adoption, or placement for adoption. Further, if you decline enrollment for yourself or eligible dependents (including your spouse) while Medicaid coverage or coverage under a State CHIP program is in effect, you may be able to enroll yourself and your dependents in this plan if: • coverage is lost under Medicaid or a State CHIP program; o r • you or your dependents become eligible for a premium assistance subsidy from the State. In either case, you must request enrollment within 60 days from the loss of coverage or the date you become eligible for prem ium assistance. To request special enrollment or obtain more information, contact the person listed at the end of this summary.

STATEMENT OF ERISA RIGHTS As a participant in the Plan you are entitled to certain rights and protections under the Employee Retirement Income Security Act of 1974 (“ERISA”). ERISA provides that all participants shall be entitled to: Receiv e Information about Your Plan and Benefits • Examine, without charge, at the Plan Administrator’s office and at other specified locations, the Plan and Plan documents, including the insurance contract and copies of all documents filed by the Plan with the U.S. Department of Labor, if any, such as annual re ports and Plan descriptions. • Obtain copies of the Plan documents and other Plan information upon written request to the Plan Administrator. The Plan Administrator may make a reasonable charge for the copies. • Receive a summary of the Plan’s annual financial report, if required to be furnished under ERISA. The Plan Administrator is r equired by law to furnish each participant with a copy of this summary annual report, if any. Continue Group Health Plan Cov erage If applicable, you may continue health care coverage for yourself, spouse or dependents if there is a loss of coverage under the plan as a result of a qualifying event. You and your dependents may have to pay for such coverage. Review the summary plan description and the documen ts governing the Plan for the rules on COBRA continuation of coverage rights. Prudent Actions by Plan Fiduciaries In addition to creating rights for participants, ERISA imposes duties upon the people who are responsible for operation of the Plan. These p eople, called “fiduciaries” of the Plan, have a duty to operate the Plan prudently and in the interest of you and other Plan partic ipants. No one, including the Company or any other person, may fire you or discriminate against you in any way to prevent you from ob taining welfare benefits or exercising your rights under ERISA.

18 Enforce your Rights If your claim for a welfare benefit is denied in whole or in part, you must receive a written explanation of the reason for the denial. You have a right to have the Plan review and reconsider your claim. Under ERISA, there are steps you can take to enforce these rights. For instance, if you request materials from the Plan Administrator and do not receive them within 30 days, you may file suit in federal court. In such a case, the court may require the Plan Administrator to prov ide the materials and pay you up to $110 per day, until you receive the materials, unless the materials were not sent due to reasons beyond the control of the Plan Administrator. If you have a claim for benefits which is denied or ignored, in whole or in part, and you have exhausted the available claims proced ures under the Plan, you may file suit in a state or federal court. If it should happen that Plan fiduciaries misuse the Plan’s money, or if you are d iscriminated against for asserting your rights, you may seek assistance from the U.S. Department of Labor, or you may file suit in a federal court. The court will decide who should pay court costs and legal fees. If you are successful, the court may order the person you have sued to pay these costs and fees. If you lose (for example, if the court finds your claim is frivolous) the court may order you to pay these costs and fees. Assistance w ith your Questions If you have any questions about your Plan, this statement, or your rights under ERISA, you should contact the nearest office of the Employee Benefits and Security Administration, U.S. Department of Labor, listed in your telephone directory or the Division of Technical Assistance and Inquir ies, Employee Benefits and Security Administration, U.S. Department of Labor, 200 Constitution Avenue N.W., Washington, D.C. 20210.

CONTACT INFORMATION Questions regarding any of this information can be directed to: Julie McCarthy 1625 E Northern Ave Phoenix, Arizona United States 85020 602-323-2800 [email protected] THIS NOTICE DESCRIBES HOW MEDICAL INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED AND HOW YOU CAN GET ACCESS TO THIS INFORMATION. PLEASE REVIEW IT CAREFULLY. Your Information. Your Rights. Our Responsibilities. Recipients of the notice are encouraged to read the entire notice. Contact information for questions or complaints is availab le at the end of the notice. Your Rights You have the right to: • Get a copy of your health and claims records • Correct your health and claims records • Request confidential communication • Ask us to limit the information we share • Get a list of those with whom we’ve shared your information • Get a copy of this privacy notice • Choose someone to act for you • File a complaint if you believe your privacy rights have been violated Your Choices You have some choices in the way that we use and share information as we: • Answer coverage questions from your family and friends • Provide disaster relief • Market our services and sell your information Our Uses and Disclosures We may use and share your information as we: • Help manage the health care treatment you receive • Run our organization • Pay for your health services • Administer your health plan • Help with public health and safety issues • Do research • Comply with the law • Respond to organ and tissue donation requests and work with a medical examiner or funeral director • Address workers’ compensation, law enforcement, and other government requests • Respond to lawsuits and legal actions Your Rights When it comes to your health information, you hav e certain rights. This section explains your rights and some of our responsibilities to help you. Get a copy of health and claims records • You can ask to see or get a copy of your health and claims records and other health information we have about you. Ask us how to do this. • We will provide a copy or a summary of your health and claims records, usually within 30 days of your request. We may charge a reasonable, cost-based fee.

19 Ask us to correct health and claims records • You can ask us to correct your health and claims records if you think they are incorrect or incomplete. Ask us how to do this. • We may say “no” to your request, but we’ll tell you why in writing, usually within 60 days. Request confidential communications • You can ask us to contact you in a specific way (fo r example, home or office phone) or to send mail to a different address. • We will consider all reasonable requests, and must say “yes” if you tell us you would be in danger if we do not. Ask us to limit w hat w e use or share • You can ask us not to use or share certain health information for treatment, payment, or our operations. • We are not required to agree to your request. Get a list of those w ith w hom w e’ve shared information • You can ask for a list (accounting) of the times we’ve shared your health info rmation for up to six years prior to the date you ask, who we shared it with, and why. • We will include all the disclosures except for those about treatment, payment, and health care operations, and certain other disclosures (such as any you asked us to make). We’ll provide one accounting a year for free but will charge a reasonable, cost -based fee if you ask for another one within 12 months. Get a copy of this priv acy notice You can ask for a paper copy of this notice at any time, even if you have agreed to receive the notice electronically. We will provide you with a paper copy promptly. Choose someone to act for you • If you have given someone medical power of attorney or if someone is your legal guardian, that person can exercise your right s and make choices about your health information. • We will make sure the person has this authority and can act for you before we take any action. File a complaint if you feel your rights are v iolated • You can complain if you feel we have violated your rights by contacting us using the information at the end of this notice. • You can file a complaint with the U.S. Department of Health and Human Services Office for Civil Rights by sending a letter to 200 Independence Avenue, S.W., Washington, D.C. 20201, calling 1 -877-696-6775, or visiting w ww.hhs.gov/ocr/privacy/hipaa/complaints/. • We will not retaliate against you for filing a complaint. Your Choices For certain health information, you can tell us your choices about w hat w e share. If you have a clear preference for how we share your information in the situations described below, talk to us. Tell us what you want us to do, and we will follow your instructions. In these cases, you have both the right and choice to tell us to: • Share information with your family, close friends, or others involved in payment for your care • Share information in a disaster relief situation If you are not able to tell us your preference, for example if you are unconscious, we may go ahead and share your informatio n if we believe it is in your best interest. We may also share your information when needed to lessen a serious and imminent threat to health or safety. • In these cases we never share your information unless you give us written permission: Marketing purposes Sale of your information Our Uses and Disclosures How do w e typically use or share your health information? We typically use or share your health information in the following ways. Help manage the health care treatment you receiv e We can use your health information and share it with professionals who are treating you. Example: A doctor sends us information about your diagnosis and treatment plan so we can arrange additional services. Pay for your health serv ices We can use and disclose your health information as we pay for your health services. Example: We share information about you with your dental plan to coordinate payment for your dental work. Administer your plan We may disclose your health information to your health plan sponsor for plan administration. Example: Your company contracts with us to provide a health plan, and we provide your company with certain statistics to explain the premiums w e charge. Run our organization • We can use and disclose your information to run our organization and contact you when necessary. • We are not allowed to use genetic information to decide whether we will give you coverage and the price of that coverage. Thi s does not apply to long term care plans. Example: We use health information about you to develop better services for you.

20 How else can w e use or share your health information? We are allowed or required to share your information in other ways – usually in ways that contribute to the public good, such as public health and research. We have to meet many conditions in the law before we can share your information for these purposes. For more information see: www.hhs.gov/ocr/privacy/hipaa/understanding/consumers/index.html. Help w ith public health and safety issues We can share health information about you for certain situations such as: • Preventing disease • Helping with product recalls • Reporting adverse reactions to medications • Reporting suspected abuse, neglect, or domestic violence • Preventing or reducing a serious threat to anyone’s health or safety Do research We can use or share your information for health research. Comply w ith the law We will share information about you if state or federal laws require it, including with the Dep artment of Health and Human Services if it wants to see that we’re complying with federal privacy law. Respond to organ and tissue donation requests and w ork w ith a medical examiner or funeral director • We can share health information about you with organ procurement organizations. • We can share health information with a coroner, medical examiner, or funeral director when an individual dies. Address w orkers’ compensation, law enforcement, and other gov ernment requests We can use or share health information about you: • For workers’ compensation claims • For law enforcement purposes or with a law enforcement official • With health oversight agencies for activities authorized by law • For special government functions such as military, national security, and presidential protective services Respond to law suits and legal actions We can share health information about you in response to a court or administrative order, or in response to a subpoena. Our Responsibilities • We are required by law to maintain the privacy and security of your protected health information. • We will let you know promptly if a breach occurs that may have compromised the privacy or security of your information. • We must follow the duties and privacy practices described in this notice and give you a copy of it. • We will not use or share your information other than as described here unless you tell us we can in writing. If you tell us w e can, you may change your mind at any time. Let us know in writing if you change your mind. For more information see: www.hhs.gov/ocr/privacy/hipaa/understanding/consumers/noticepp.html. Changes to the Terms of this Notice We can change the terms of this notice, and the changes will apply to all information we have about you. The new notice will be av ailable upon request, on our web site (if applicable), and we will mail a copy to you.

Other Instructions for Notice • January 1, 2023 • Julie McCarthy / 602-323-2800 / [email protected]

Im portant Notice from Sunland Asphalt & Construction LLC About Your Prescription Drug Coverage and Medicare If you are receiving this electronically, you are responsible for providing a copy of this notice to any Medicare Part D-eligible dependents w ho are covered under the group health plan.

Please read this notice carefully and keep it w here you can find it. This notice has information about your current prescript ion drug cov erage w ith Sunland Asphalt & Construction LLC and about your options under Medicare’s prescription drug cov erage. This information can help you decide w hether or not you w ant to j oin a Medicare drug plan. If you are considering j oining, you should compare your curr ent cov erage, including w hich drugs are cov ered at w hat cost, w ith the cov erage and costs of the plans offering Medicare prescription drug cov erage in your area. Information about w here you can get help to make decisions about your prescription drug cov erage is at the end of this notice. There are tw o important things you need to know about your current cov erage and Medicare’s prescription drug cov erage: 1.

Medicare prescription drug cov erage became available in 2006 to ev eryone w ith Medicare. You can get this cov erage if you j oin a Medicare Prescription Drug Plan or j oin a Medicare Adv antage Plan (like an HMO or PPO) that offers prescription drug cov erage. All Medicare drug plans prov ide at least a standard level of cov erage set by Medicare. Some plans may also offer more cov erage fo r a higher monthly premium.

21 2.

Sunland Asphalt & Construction LLC has determined that the prescription drug cov erage offered by the BCBSAZ health plans are, on av erage for all plan participants, expected to pay out as much as standard Medicare prescription drug cov erage pays and i s therefore considered Creditable Cov erage. Because your existing cov erage is Creditable Coverage, you can keep this cov erage and not pay a higher premium (a penalty) if you later decide to j oin a Medicare drug plan.

When Can You Join A Medicare Drug Plan? You can join a Medicare drug plan when you first become eligible for Medicare and each year from October 15thto December 7th. However, if you lose your current creditable prescription drug coverage, through no fault of your own, you will also be elig ible for a two (2) month Special Enrollment Period (SEP) to join a Medicare drug plan. What Happens To Your Current Cov erage If You Decide to Join A Medicare Drug Plan? If you decide to join a Medicare drug plan, your current Sunland Asphalt & Construct ion LLC coverage will not be affected. If you do decide to join a Medicare drug plan and drop your current Sunland Asphalt & Construction LLC coverage, be aware tha t you and your dependents will be able to get this coverage back. When Will You Pay A Higher Premium (Penalty) To Join A Medicare Drug Plan? You should also know that if you drop or lose your current coverage with Sunland Asphalt & Construction LLC and don’t join a Medicare drug plan within 63 continuous days after your current coverage ends, you may pay a higher premium (a penalty) to join a M edicare drug plan later. If you go 63 continuous days or longer without creditable prescription drug coverage, your monthly premium may go up by at le ast 1% of the Medicare base beneficiary premium per month for every month that you did not have that coverage. For example, if you go nineteen months without creditable coverage, your premium may consistently be at least 19% higher than the Medicare base beneficiary premium. You may have to pa y this higher premium (a penalty) as long as you have Medicare pre scription drug coverage. In addition, you may have to wait until the following October to join. For More Information About This Notice Or Your Current Prescription Drug Cov erage… Contact the person listed below for further information. NOTE: You’ll get this notice each year. You will also get it before the next period you can join a Medicare drug plan, and if this coverage through Sunland Asphalt & Construction LLC changes. You also may request a copy of t his notice at any time. For More Information About Your Options Under Medicare Prescription Drug Cov erage… More detailed information about Medicare plans that offer prescription drug coverage is in the “Medicare & You” handbook. You ’ll get a copy of the handbook in the mail every year from Medicare. You may also be contacted directly by Medicare drug plans. For more information about Medicare prescription drug coverage: • Visit www.medicare.gov • Call your State Health Insurance Assistance Program (see the inside back cover of your copy of the “Medicare & You” handbook for their telephone number) for personalized help • Call 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048. If you have limited income and resources, extra help paying for Medicare prescription drug coverage is availa ble. For information about this extra help, visit Social Security on the web at www.socialsecurity.gov, or call them at 1 -800-772-1213 (TTY 1-800-325-0778).

Rem em ber: Keep this Creditable Coverage notice. If you decide to join one of the Medicare drug plans, you m ay be required to provide a copy of this notice w hen you join to show w hether or not you have m aintained creditable coverage and, therefore, w hether or not you are required to pay a higher prem ium (a penalty). Date: Name of Entity/Sender: Contact--Position/Office: Address: Phone Number:

CMS Form 10182-CC

January 1, 2023 Sunland Asphalt & Construction LLC Human Resources 1625 E Northern Ave; Phoenix, Arizona 85020 602-323-2800

Updated April 1, 2011

According to the Paperwork Reduction Act of 1995, no persons are required to respond to a collection of information unless it displays a valid OMB control number. The valid OMB control number f or this information collection is 0938-0990. The time required to complete this information collection is estimated to average 8 hours per response initially , including the time to review instructions, search existing data resources, gather the data needed, and complete and review the information collection. If you have comments concerning the accuracy of the time estimate(s) or suggestions for improving this form, please write to: CMS, 7500 Security Boulevard, Attn: PRA Reports Clearance Officer, Mail Stop C4-26-05, Baltimore, Maryland 21244-1850.

22 OMB 0938-0990

Premium Assistance Under Medicaid and theChildren’s Health Insurance Program (CHIP) If you or your children are eligible for Medicaid or CHIP and you’re eligible for health coverage from your employer, your state may have a premium assistance program that can help pay for coverage, using funds from their Medicaid or CHIP programs. If you or your children aren’t eligible for Medicaid or CHIP, you won’t be eligible for these premium assistance programs but you may be able to buy individual insurance coverage through the Health Insurance Marketplace. For more information, visit www.healthcare.gov. If you or your dependents are already enrolled in Medicaid or CHIP and you live in a State listed below, contact your State Medicaid or CHIP office to find out if premium assistance is available. If you or your dependents are NOT currently enrolled in Medicaid or CHIP, and you think you or any of your dependentsmight be eligible for either of these programs, contact your State Medicaid or CHIP office or dial 1-877-KIDS NOW or w w w.insurekidsnow.gov to find out how to apply. If you qualify, ask your state if it has a program that might help you pay the premiums for an employer-sponsored plan. If you or your dependents are eligible for premium assistance under Medicaid or CHIP, as well as eligible under your employer plan, your employer must allow you to enroll in your employer plan if you aren’t already enrolled. This is called a “special enrollment” opportunity, and you must request cov erage within 60 days of being determined eligible for premium assistance. If you have questions about enrolling in your employer plan, contact the Department of Labor at w ww.askebsa.dol.gov or call 1-866-444-EBSA (3272). If you liv e in one of the follow ing states, you may be eligible for assistance paying your employer health plan premiums. The follow ing list of states is current as of January 31, 2022. Contact your State for more information on eligibility – ALABAMA-Medicaid Website: http://myalhipp.com/ Phone: 1-855-692-5447

CALIFORNIA-Medicaid Website: http://dhcs.ca.gov/hipp Health Insurance Premium Pay ment (HIPP) Program Phone: 916-445-8322 / Fax: 916-440-5676 / Email: [email protected]

ALASKA- Medicaid The AK Health Insurance Premium Pay ment Program Website: http://my akhipp.com/ Phone: 1-866-251-4861 Email: CustomerServ ice@My AKHIPP.com Medicaid Eligibility : http://dhss.alaska.gov /dpa/Pages/medicaid/def ault.aspx

ARKANSAS- Medicaid

COLORADO-Health First Colorado (Colorado’s Medicaid Program) & Child Health Plan Plus (CHP+) Health First Colorado Website: https://www.healthf irstcolorado.com/ Health First Colorado Member Contact Center: 1-800-221-3943/ State Relay 711 CHP+: https://www.colorado.gov /pacific/hcpf/child-health-plan-plus CHP+ Customer Serv ice: 1-800-359-1991/ State Relay 711Health Insurance Buy -In Program (HIBI): https://www.colorado.gov /pacif ic/hcpf /health-insurance-buy -program HIBI Customer Serv ice: 1-855-692-6442

Website: http://my arhipp.com/ Phone: 1-855-My ARHIPP (855-692-7447)

FLORIDA-Medicaid Website: https://www.f lmedicaidtplrecovery.com/flmedicaidtplrecovery. com/hipp/index.html Phone: 1-877-357-3268

GEORGIA-Medicaid A HIPP Website: https://medicaid.georgia.gov /health-insurance-premiumpay ment-program-hipp Phone: 678-564-1162, Press 1 GA CHIPRA Website: https://medicaid.georgia.gov /programs/third-party - liability /childrens-healthinsurance-program-reauthorization- act-2009-chipra Phone: (678) 564-1162, Press 2

MAINE-Medicaid Enrollment Website: https://www.maine.gov /dhhs/ofi/applications -forms Phone: 1-800-442-6003 TTY : Maine relay 711 Priv ate Health Insurance Premium Webpage: https://www.maine.gov /dhhs/ofi/applications-forms Phone: -800-977-6740. TTY : Maine relay 711

INDIANA-Medicaid Healthy Indiana Plan f or low-income adults 19-64 Website: http://www.in.gov /f ssa/hip/ Phone: 1-877-438-4479 All other Medicaid Website: https://www.in.gov /medicaid/ Phone 1-800-457-4584

MASSACHUSETTS -Medicaid and CHIP Website: https://www.mass.gov /masshealth/pa Phone: 1-800-862-4840

IOWA-Medicaid and CHIP (Hawki)

MINNESOTA-Medicaid

Medicaid: Website: https://dhs.iowa.gov /ime/members / Phone: 1-800-338-8366 Hawki: Website: http://dhs.iowa.gov /Hawki / Phone: 1-800-257-8563 HIPP: Website: https://dhs.iowa.gov /ime/members/medicaid-a-to-z/hipp / Phone: 1-888-346-9562

Website: https://mn.gov /dhs/people-we-serv e/children-and- f amilies/health-care/healthcare-programs/programs-and- serv ices/other-insurance.jsp Phone: 1-800-657-3739

KANSAS-Medicaid Website: https://www.kancare.ks.gov / Phone: 1-800-792-4884 KENTUCKY-Medicaid Kentucky Integrated Health Insurance Premium Pay ment Program (KI-HIPP) Website: https://chfs.ky.gov/agencies/dms/member/Pages/kihipp.aspx Phone: 1-855-4596328 Email: KIHIPP.PROGRAM@ky .gov KCHIP Website: https://kidshealth.ky.gov/Pages/index.aspx Phone: 1-877-524-

MISSOURI-Medicaid Website: http://www.dss.mo.gov /mhd/participants/pages/hipp.htm Phone: 573-751-2005 MONTANA- Medicaid Website: http://dphhs.mt.gov/MontanaHealthcarePrograms/HIPP Phone: 1-800-694-3084

23 4718 Kentucky Medicaid Website: https://chfs.ky.gov LOUISIANA-Medicaid Website: www.medicaid.la.gov or www.ldh.la.gov /lahipp Phone: 1-888-342-6207 (Medicaid hotline) or 1-855-618-5488 (LaHIPP) NEVADA-Medicaid Medicaid Website: http://dhcf p.nv.gov Medicaid Phone: 1-800-992-0900 NEW HAMPSHIRE-Medicaid Website: https://www.dhhs.nh.gov /oii/hipp.htm Phone: 603-271-5218 Toll f ree number f or the HIPP program: 1-800-852-3345, ext 5218 NEW JERSEY-Medicaid and CHIP Medicaid Website: http://www.state.nj.us/humanservices/ dmahs/clients/medicaid/

NEBRASKA-Medicaid Website: http://www.ACCESSNebraska.ne.gov Phone: 1-855-632-7633 Lincoln: 402-473-7000 / Omaha: 402-595-1178 SOUTH CAROLINA-Medicaid Website: https://www.scdhhs.gov Phone: 1-888-549-0820 SOUTH DAKOTA-Medicaid Website: http://dss.sd.gov Phone: 1-888-828-0059

TEXAS-Medicaid Website: http://gethipptexas.com/ Phone: 1-800-440-0493

Medicaid Phone: 609-631-2392 CHIP Website: http://www.njf amily care.org/index.html CHIP Phone: 1-800-701-0710 NEW YORK-Medicaid Website: https://www.health.ny .gov /health_care/medicaid/ Phone: 1-800-541-2831 NORTH CAROLINA-Medicaid

UTAH-Medicaid and CHIP Medicaid Website: https://medicaid.utah.gov/ CHIP Website: http://health.utah.gov/chipPhone: 1-877-543-7669 VERMONT-Medicaid

Website: https://medicaid.ncdhhs.gov / Phone: 919-855-4100

Website: http://www.greenmountaincare.org/ Phone: 1-800-250-8427

NORTH DAKOTA-Medicaid Website: http://www.nd.gov /dhs/services/medicalserv/medicaid/ Phone: 1-844-854-4825

VIRGINIA-Medicaid and CHIP Website: https://www.cov erv a.org/en/famis-select https://www.cov erv a.org/en/hipp Medicaid Phone: 1-800-432-5924 CHIP Phone: 1-800-432-5924

OKLAHOMA-Medicaid and CHIP Website: http://www.insureoklahoma.org Phone: 1-888-365-3742 OREGON-Medicaid Website: http://healthcare.oregon.gov /Pages/index.aspx http://www.oregonhealthcare.gov /index-es.htmlPhone: 1-800-699-9075 PENNSYLVANIA-Medicaid Website: https://www.dhs.pa.gov /Serv ices/Assistance/Pages/HIPPProgram.aspx Phone: 1-800-692-7462 RHODE ISLAND-Medicaid and CHIP Website: http://www.eohhs.ri.gov / Phone: 1-855-697-4347, or 401-462-0311 (Direct Rite Share Line)

WASHINGTON-Medicaid Website: https://www.hca.wa.gov / Phone: 1-800-562-3022 WEST VIRGINIA-Medicaid and CHIP Website: https://dhhr.wv .gov/bms/ http://my wvhipp.com/ Medicaid Phone: 304-558-1700 CHIP Toll-f ree phone: 1-855-My WVHIPP (1-855-699- 8447) WISCONSIN-Medicaid and CHIP Website: https://www.dhs.wisconsin.gov /badgercareplus/p- 10095.htm Phone: 1-800-362-3002 WYOMING-Medicaid Website: https://health.wy o.gov/healthcarefin/medicaid/programs -and-eligibility / Phone: 1-800-251-1269

To see if any other states have added a premium assistance program since January 31, 2022, or for more information on special enrollment rights, contact either: U.S. Department of Labor Employee Benefits Security Administration www.dol.gov/agencies/ebsa 1-866-444-EBSA (3272)

U.S. Department of Health and Human Services Centers for Medicare & Medicaid Services www.cms.hhs.gov 1-877-267-2323, Menu Option 4, Ext. 61565

Paperw ork Reduction Act Statem ent According to the Paperwork Reduction Act of 1995 (Pub. L. 104-13) (PRA), no persons are required to respond to a collection of information unless such collection display s a valid Office of Management and Budget (OMB) control number. The Department notes that a Federal agency cannot conduct or sponsor a collection of inf ormation unless it is approved by OMB under the PRA, anddisplays a currently valid OMB control number, and the public is not required to respond to a collection of inf ormation unless it displays a currently valid OMB control number. See 44 U.S.C. 3507. Also, notwithstanding any other provisions of law, no personshall be subject to penalty for failing to comply with a collection of information if the collection of information does not display a currently valid OMB control number. See 44 U.S.C. 3512. The public reporting burden for this collection of information is estimated to average approximately seven minutes per respondent.Interested parties are encouraged to send comments regarding the burden estimate or any other aspect of this collection of information, including suggestions for reducing this burden, to the U.S. Department of Labor, Employee Benefits Security Administration, Office of Policy and Research, Attention: PRA Clearance Officer, 200 Constitution Avenue, N.W., Room N-5718, Washington, DC 20210 or email [email protected] and reference the OMB Control Number 1210-0137. OMB Control Number 1210-0137 (expires1/31/2023)

24

New Health Insurance Marketplace Coverage Options and Your Health Coverage

For m Approved OMBNo.1210-0149 (ex pires 6-30-2023)

PART A: General Information When key parts of the health care law take effect in 2014, there will be a new way to buy health insuran ce: the Health Insura nce Market pla ce . To assi st you as you evaluate options for you and your family, this notice provide s some basic information about the new Marketpla ce and employment based health coverag e offered by your employer. What is the Health Insurance Marketplace? The Marketpla ce is designed to help you find health insurance that meets your needs and fits your budget. The Marketpl ace offers "one-sto p shopping" to find and compare private health insuran ce options. You may also be eligible for a new kind of tax credit that lowers your monthly premi um right away. Open enrollment for health insurance coverage through the Marketpla ce begins in October 2013 for coverag e starting as early as January 1, 2014. Can I Sav e Money on my Health Insurance Premiums in the Marketplace? You may qualify to save money and lower your monthly premium, but only if your employer does not offer coverage , or offers coverag e that doesn't meet certain standard s. The saving s on your premium that you're eligible for depends on your household income. Does Employer Health Cov erage Affect Eligibility for Premium Sav ings through the Marketplace? Yes. If you have an offer of health coverage from your employer that meets certain standa rd s, you will not be eligible for a tax credit through the Market pla ce and may wish to enroll in yo ur employer' s health plan. Howeve r, you may be eligible for a tax credit that lowers your monthly premium, or a reduction in certain cost -sh a ring if your employer does not offer coverag e to you at all or does not offer coverag e that meets certain standard s. If the cost of a plan from your employer that would cover you (and not any other members of your family) is more than 9.5% of your household income for the year, or if the coverag e your employer provides does not meet the "minimum value" standa rd set by the Affordable Care Act, you may be eligible for a tax credit.1

Note: If you purcha se a health plan through the Market pla ce instead of accepting health coverage offered by your employer, then you may lose the employer contribution (if any) to the employer-off e re d coverag e. Also, this employer contribution -as well as your employee contribution to employer-off e re d coverag e - is often excluded from income for Federal and State income tax purpose s. Your payment s for coverage through the Market pla ce are made on an after-tax basis. How Can I Get More Information? For more information about your coverage offered by your employer, please check your summary plan descripti on or contact.

The Marketpla ce can help you evaluate your coverag e options, including your eli gibility for coverage through the Market pla ce and its cost. Please visit HealthCa re . gov for more information, including an online application for health insuran ce coverage and contact information for a Health Insuran ce Market pla ce in your area.

1 An employer - spon so re d health plan meets the "minimum value standard" if the plan's share of the total allowed benefit cost s covered by the plan is no less than 60 percent of such costs.

PART B: Information About Health Cov erage Offered by Your Employer This section contains information about any health coverag e offered by your employer. If you decide to complete an application for coverag e in the Market pla ce, you will be aske d to provide this information. This information is numbered to corre sp on d to the Market pla ce application. 3. Employer name

4. Employer Identification Number (EIN)

Sunland Asphalt & Construction LLC

86-0455988

5. Employer address

6. Employer phone number

1625 E Northern Ave

602 - 323-2800

7. City

8. State

9. ZIP code

Phoenix

AZ

85020

10. Who can we contact about employee health coverage at this job? Julie McCarthy 11. Phone number (if different from above)

12. Email address [email protected]

Here is some basic information about health coverag e offered by this employer: • As your employer, we offer a health plan to: All employee s. Eligible employee s are:

X

Some employee s. Eligible employee s are: Full time employees working 30 or more hours per week

•

With respect to dependent s: X We do offer coverag e. Eligible dependent s are: Spouse, domestic partner, children to age 26

We do not offer coverage . X **

If checke d, this coverage meets the minimum value standa rd *, and the cost of this coverage to you is intended to be affordable, based on employee wages.

Even if your employer intends your coverage to be affordable, you may still be eligible for a premium discount through the Market pla ce . The Market pla ce will use your household income, along with other factors, to de termine whether you may be eligible for a premium discount. If, for example, your wages vary from week to week (perhap s you are an hourly employee or you work on a commissio n basis), if you are newly employed mid -year, or if you have other income losse s, you may still qualify for a premium discount. If you decide to shop for coverag e in the Market pla ce , HealthCa re .g o v will guide you through the process. Here' s the employer information you'll enter when you visit HealthCa re .g o v to find out if you can get a tax credit to lower your monthly premium s.

• An employ er - sponsore d health plan meets the "minimum v alue standard" if the plan's share of the total allowe d benef it costs cov ered by th e plan is no less than 60 percent of such costs (Section 36 B(c)(2)(C) (ii ) of the Internal Rev enue Code of 1986)

CORPORATE 1625 E Northern Avenue Phoenix, AZ 85020 602.323.2800

PHOENIX 3030 S. 7th Street Phoenix, AZ 85040 602.323.2800

TUCSON

2850 E Valencia Road Tucson, AZ 85706 520.889.7100

NEVADA 5805 Emerald Avenue Las Vegas, NV 89122 702.563.6872

NEW MEXICO 5204 2nd Street NW Albuquerque, NM 87107 505.998.6629

COLORADO 12365 Dumont Way Littleton, CO 80125 303.791.8300

TEXAS 9800 Hillwood Pkwy Fort Worth, TX 76177 469.647.9402 WWW.SUNLANDASPHALT.COM