Return to flip book view

Message Your 2025Your 2025Benefits GuideBenefits GuideEffective January 1 - December 31, 2025

AIT Teammates,Teammates are at the core of what makes AIT great. That is why Valuing Our Teammates is at the core of AIT! AIT aims to incorporate this value into everything we do, including our benefits programs. Over the past 2 years, we enhanced andtransformed our programs to provide our growing and diverse workforce with more options to personalize benefits in a waythat best meets your and your family’s needs.These enhancements centered around teammate physical, emotional, and financial wellbeing providing programs to support you and yourfamilies beyond the workplace. Heading into 2025, we wanted to listen to your feedback and the top priorities you would like to see in our programs go forward. What you toldus are benefits education, advocacy, and cost were the most important areas of focus for you.We heard you and have taken steps to respond by lowering the cost of care and subsidizing premium increases within certain medical plans,enhancing benefits available in our supplemental programs, and increasing efforts to provide group and individual benefits education andsupport. We continue to focus on each of these top priorities and look forward to more ways we can bring this to you through our benefitprograms in the future.I encourage everyone to take the time to engage in the opportunities to help you learn about all of AIT’s benefits so you and your family canutilize them to their fullest.2Welcome to Your 2025 Benefits!Merrill GadVice President, Global Total Rewards

Welcome2Making Benefit Selections4Helpful Terms and Resources5Spousal Lifestyle Spending Account Incentive (LSA)6Medical Overview7Pharmacy Overview8Telemedicine9Medical Insurance10Health Reimbursement Arrangement (HRA)11How a Health Reimbursement Account Works12Health Savings Account (HSA)13How a Health Savings Account Works14Flexible Spending Accounts (FSA)15How You Can Save on Taxes with Flexible Spending Accounts16Spending Account Details17Accident Insurance18Critical Illness Insurance19Hospital Indemnity Insurance20Wellbeing Program21Employee Support Program22Dental Insurance23Vision Insurance24Life and AD&D Insurance25Disability Insurance26Additional Benefits27New Parent Benefits28Retirement Savings Plan29Medicare, Retirement, and Social Security Enrollment Guidance30Contact information31Table of Contents

Enroll Now This year’s enrollment will be passive with the exception of FSA and HSA elections.Teammates MUST elect these benefits during Annual Enrollment if you would like coverage in 2025.*You must request a change to your benefits within 30 days ofyour life event (60 days for changes involving Medicaid eligibility). Documentation will be required.At Annual Benefits EnrollmentIf you have a Qualifying Life EventEligibilityMaking Benefit SelectionsFor youIf you are an active regular teammate, working an average of 30 or more hoursper week, you are eligible to enroll in benefits.Enrolling in CoverageYour benefit plans are in effect January 1 – December 31 each year. In general,there are two times you can make benefit selections:You may also cover your eligible dependents when you elect coverage foryourself.Your SpouseAnnual Benefits Enrollment is your annual chance each year to reviewyour coverage options and make changes to your benefits.Your choices are in effect from January – December of the followingyear unless you have a Qualifying Life Event.Qualifying Life Events allow you to change your coverage during theyear outside of Annual Enrollment.* These include:marriage or divorce, birth or adoption, death of a covered dependent, and a change in eligibility through Medicare, Medicaid, or a spouse orparent's coverage.Your ChildrenYou may cover your legally married spouse. Important Note: If you currently cover your spouse on an AIT medical plan andthey have medical coverage available elsewhere, you can be eligible for up to$1,200 annually deposited into a Lifestyle Spending Account (LSA) if you removethem from the AIT plan during Annual Benefits Enrollment and enroll them inother coverage. See page 6 for more information. Dependent children are eligible: Your (and your spouse’s) dependent children up to the age of 26 (formedical, dental and vision plans). Disabled children over the age of 26 ifunmarried, incapable of self-support, dependent on you for primary supportand the disability occurred before the age of 26.Children include your: natural and legally adopted children, children whohave been placed with you for adoption, stepchildren, foster children andchildren for whom you are the legal guardian.Covering your family4Teammates must enroll in benefits via Paylocity: https://access.paylocity.com.

Balance billingWhen you use an out-of-network medical or dental provider, they may bill you thedifference between what they charge and the amount your insurance pays.Medical: balance billing is in addition to – and does not count towards – your out-of-pocket maximum.DeductibleThe amount you’re responsible for paying in care expenses before the plan startspaying deductible-eligible expenses.CoinsuranceAfter you’ve met your deductible, you’re sometimes responsible for a percentage ofthe cost of the medical care, dental care, or prescription medication you received.This percentage is coinsurance.CopayA flat fee you pay each time you receive a copay-eligible medical, dental, or visionservice or prescription medication. Embedded deductible vs. Non-embedded deductibleEmbedded: Each family member has an individual deductible in addition to theoverall family deductible. If an individual in the family reaches his or herdeductible before the family deductible is reached, his or her services will be paidby the insurance company.Non-embedded: There is no individual deductible. The overall family deductiblemust be reached, either by an individual or by the family, in order for theinsurance company to pay for services.In-networkIn-network care is always your lowest-cost option. Networks are groups of medical,dental, and vision providers, pharmacies, and facilities that agree to discount the costof their care or service.Out-of-NetworkOut-of-Network care is your highest-cost option. Health care providers or servicesare not contracted with your insurance company and do not offer discounted pricing.Out-of-pocket maximumThe most you’ll pay for covered in-network medical care in a year. This includes yourdeductible, any coinsurance or copays, and prescription drugs. The out-of-pocketmaximum does not include your premium (the amount you pay for coverage), non-covered expenses, or out-of-network care that’s been balance billed.Pre-authorizationA decision by your health insurer or plan that a health care service, treatment plan,prescription drug or durable medical equipment is medically necessary. Your healthinsurance or plan may require preauthorization for certain services before you receivethem, except in an emergency.Primary care physicianA primary care physician (PCP) is your main medical doctor – usually a generalpractitioner (GP), family doctor, internist, OB/GYN, or pediatrician (for children).ReferralSome specialty medical providers and services require a referral from a primarydoctor. These may include - but are not limited to - cardiology, psychiatry,orthopedic surgeons, rheumatology, surgery, and imaging (CT or MRI).How to handlemedical bills (4:46)View the Health Plan Required NoticesHelpful Terms & ResourcesWe've removed as much jargon as possible.But you’ll probably still encounter some terms as you enroll in and use your benefits, and we want you to be prepared!5

Eligible Wellness-RelatedProducts and Activities**Gym MembershipsFitness ClassesFitness EquipmentWalk/Run Entrance FeesNon-medical counselingPersonal Development Classes**Not a complete listSpousal Lifestyle Spending Account Incentive (LSA)Is your spouse enrolled in an AIT Medical Plan? Take advantage of the opportunity to optimize your wallet!6We understand that having your spouse enrolled in medical coverage can be costly, regardless of whether theyutilize the benefits. There may be more affordable options available through another employer or other sourcessuch as Medicare and Healthcare.gov, etc. that could better meet your needs.We encourage you and your spouse to thoroughly evaluate these alternatives to ensure you are making the mostinformed decision. You could be missing out on an opportunity to save in reduced premiums and as an additionalincentive, we will provide up to $1,200* in a LSA (Lifestyle Spending Account), to pay for wellbeing related itemsand activities.To be eligible, you must drop your spouse from coverage during 2025 Annual Enrollment and submit proof ofenrollment in other coverage through AITConnect.*Deposited in $100 increments on a monthly basis. To receive the full $1,200, spouse must be enrolled in AIT Medical in 2024, spouse must be dropped from AIT Medical during 2025Annual Enrollment, and proof of other Medical coverage must be provided in January 2025. If your spouse is added to AIT Medical coverage mid-year due to a Qualified Life Event,you will no longer be eligible and no future contributions will be made.Example: Teammate + Spouse to Teammate Only CoverageIn 2024 Steve enrolls himself and his spouse into the AIT Health Prime PPO Plan. For 2025 Steve elects toremove his spouse from AIT's Medical Plan because his spouse has coverage elsewhere. Steve now carriesTeammate Only Coverage saving him $6,900 in premiums per year ($265 per biweekly pay period) PLUS hegets $1,200 deposited into the LSA if his spouse is not enrolled in AIT coverage for 2025.

Medical OverviewFind Health Prime and HealthSavings Plan ProvidersFind Health Advantage PlanProvidersMedical coverage offers health care protection for you and your family.AIT realizes that each teammate’s medical needs vary. Therefore, AIT offers a choice of three medical plans, togive you the flexibility to choose a plan that is right for you and your family. While the plans offer different levelsof coverage and cost, they have an important similarity — a focus on prevention. All three plans areadministered by Aetna and offer preventive care at no cost when using in-network providers. All three plans alsooffer similar covered services and a national provider network. The main difference is what you pay for thatcoverage.Health Advantage Plan with HRA & Supplemental HealthThe Health Advantage Plan is a PPO that leverages copays for routine services. To help offset out-of-pocketexpenses, a company-funded Health Reimbursement Account (HRA), as well as supplemental coverage(accident, critical illness, and hospitalization insurance) is included. The Health Advantage Plan offers lowerpremiums than the other two options. For more information on the HRA, go to page 9.Health Savings Plan with HSA 7Health Prime PlanThe Health Savings Plan is a PPO that comes with a Health Savings Account (HSA) to help pay for current orfuture out-of-pocket expenses. AIT helps fund the account, and you can also contribute pre-tax to your HSA totake advantage of payroll tax savings. The Health Savings Plan features lower premiums than the Health PrimePlan. Out-of-Network services will not be covered starting in 2025, except in certain emergency care situations.For more information on how the HSA works, go to page 11.The Health Prime Plan is a more traditional PPO plan offering the predictability of copays for most services andprescriptions. It offers a lower out of pocket maximum and lower individual and family deductibles. Thepremiums for this plan are higher than the other two medical plans. Out-of-Network services will not be coveredexcept in certain emergency care situations. See page 8 for more details on this plan’s coverage.

Find RxAetna uses CVS Specialty to manage specialty medications and connect you with a care team that hasexpertise in your condition. Your team — nurses and pharmacists who are specially trained in yourcondition — helps you understand how to use your medicine. They’ll also:Remind you when it’s time to refillHelp you stay on track with your treatmentHelp you manage symptoms and side effectsAlong with the Specialty program, CVS Specialty provides a co-pay program to members to secureavailable copay assistance for specialty drugs through the various programs funded by pharmaceuticalcompanies. This program is called PrudentRx Solution.Pharmacy Overview8PharmacyAll three medical plans include prescription coverage. You can fill your prescription drugs through any retailpharmacy. For maintenance medications (ones you take often), you may pay more at retail! For a lower costalternative, Aetna uses CVS Caremark Mail Service Pharmacy for mail order prescriptions. You can get yourmedicine sent conveniently to your home — or anywhere you choose – with a three months supply at the priceof two. Also available at CVS pharmacies is a 90 day supply of maintence medication for the same price asmail order. Log into www.caremark.com to check coverage and cost sharing information for specific medications. Specialty Pharmacy

EXAMPLES OF MEDICAL CONDITIONSTHAT TELADOC DOCTORS CAN TREAT:Cold and fluAllergiesPink EyeRespiratory infectionsSinus problemsMental health careDermatologyAnd more! Website: Teladoc.com/aetnaMobile app: Teledoc.com/mobileHealth Advantage Plan No Cost Health Savings Plan Approximately $49 before DED, then youpay 20% Health Prime Plan $25 copay Telemedicine through Aetna9Experience the convenience of virtual care with a qualified medicaldoctor; cost varies depending on the Aetna medical plan you areenrolled in.Teladoc (via Aetna)Telemedicine visits are a cost saving option with your Aetna Medical plansand is free for teammates wo elect the Health Advantage Plan. Telemedicinevisitis allow you to consult an independently contracted, board-certifieddoctor for non-emergency situations by phone, mobile app or online video,anytime, anywhere. Physicians are available 24 hours a day, 7 days a weekand 365 days a year. These certified physicians can treat a variety of healthconditions, including: allergies, asthma, cold/flu, ear problems, fever,nausea, pink eye, rash and sinus infections.

In-NetworkHealth AdvantagePlan with HRAHealth Savings Planwith HSAHealth PrimePlanAnnual Deductible (DED)$6,000 per person $9,000 family max$2,000 single coverage $4,000 with dependents$750 per person $1,500 family maxOut-of-pocket maximum$9,000 per person $13,500 family max$4,000 single coverage $8,000 with dependents$3,500 per person $7,000 family maxEmbedded / Non-EmbeddedEmbeddedNon-EmbeddedEmbeddedPre-tax account availabilityHealth Reimbursement ArrangementHealth Savings AccountN/AAIT Funding(Individual / Family)$1,500 / $2,275$700 / $1,500N/APreventive carePrimary care visitSpecialist visitVirtual visit100% covered$20 copay$35 copay100% covered100% coveredDED then you pay 20%DED then you pay 20%DED then you pay 20%100% covered$40 copay$70 copay$25 copayUrgent careEmergency roomInpatient hospital care$45 copayDED then you pay 20%DED then you pay 30%DED then you pay 20%DED then you pay 20%DED then you pay 20%$50 copay$250 + DED then you pay 20%$1,500 + DED then you pay 20%Prescription drugs(Retail Rx / Mail Order)Generic Preferred brand Non-preferred brandSpecialty(34 days | 90 days)$5 copay | $10 copayDED then you pay: 30% | 30%Not coveredDED then you pay 30%(34 days | 90 days)DED then you pay: 20% | 20%DED then you pay: 20% | 20%DED then you pay: 20% | 20%DED then you pay 20%(34 days | 90 days)$15 copay | $30 copay$50 copay | $120 copay$100 copay | $220 copay$300 copayOut-of-network careAnnual deductible Out-of-pocket maximum Balance billing applies$9,000 / $12,000 $15,000 / $18,000Not Covered*Not Covered*Supplemental Medical (Accident, Critical Illness, HospitalIndemnity)Included (AIT Paid)Available(Teammate Paid)Available (Teammate Paid)CHIP model-noticeAll plans cover in-network preventive care at 100%,prescription drugs, and include an annual limit on yourexpenses. The differences are: the premiums you pay for the plan, what you pay when you get care, how out-of-network care is covered, andyour annual maximum cost for care (out-of-pocketmaximum).See your plan documents for out-of-network benefits offered in the Health Advantage plan.Medical InsuranceSelect from three medical options through Aetna.10Important changes:Health Advantage Plan with HRA The Primary Care visit and Specialist visit copays have been reduced to$20 / $35, respectively.The Urgent Care copay has been reduced to $45. The Generic drug retail and mail copays have been reduced to $5 / $10,respectively.Health Savings Plan with HSA Out-of-Network care is no longer covered.Health Prime PlanThe Primary Care visit and Specialist visit copays have been increased to$40 / $70, respectively*Except in certain emergency care situations.

Health Reimbursement Account(HRA)Included with the Health Advantage Plan OnlyAll unused funds expire at the end of the year. Your funds are non-transferable and are forfeited if your employment with AIT terminates for any reason.Unused funds and morePay for eligible health care expenses with an HRA - funded by AIT Worldwide Logistics Inc.Health care dollars from AIT Worldwide Logistics Inc.When you enroll in the Health Advantage Plan, AIT Worldwide Logistics Inc automatically sets asidemoney to help you and your covered dependents pay for qualifying health care expenses, subject to thedeductible, once you meet the deductible threshold.FundingThe HRA will pay your providers directly up to $1,500individual or $2,275 family once you meet the deductiblethreshold of: $1,000 if you only enroll yourself $2,500 if you enroll with a family member(s)Using your fundsAny expenses that apply to the deductible. Copays do not apply to the deductible.Eligible expenses11How the HRA Works For Annual Deductible ExpensesIf you coveryourself onlyIf you coverdependentsFirst, amount of deductible you pay*$1,000$2,500Then, amount AIT pays of the deductible*$1,500$2,275If needed, you pay remaining deductible*$3,500$4,225Maximum Amount of Deductible You Pay$4,500 of $6,000$6,725 of $9,000*Once the deductible is met, you pay a 20% coinsurance until you reach your out-of-pocket maximum

How a Health Reimbursement Account WorksChild Taylor breaks their arm.Expenses2 office visits x $20 (copay)Annual physicals for entire family (Preventive - $0 costs)Annual OB/GYN exam (Preventive - $0 costs)Broken Foot costs (Emergency room costs)$40$0$0$3,000Total Out of Pocket Expenses$3,040Amount paid by HRA($500)Amount paid by Jordan ($2,500 deductible threshold + $40 copay)$2,540You pay copayments at thedoctor’s officeThese copayments do not apply towardyour deductible, and you cannot useyour HRA to pay for these expenses. Youcan use Healthcare FSA funds, ifelected.You meet the HRA deductiblethresholdOnce you pay $1,000 in deductibleexpenses if enrolled in self-onlycoverage or $2,500 if enrolled independent or family coverage.Your deductible expenses arepaid by your AIT HRAOnce you meet the deductiblethreshold, the HRA will automaticallypay your providers up to $1,500 forself-only coverage and up to $2,275 fordependent or family coverage.You pay the remaining deductibleAfter your HRA funds are used, you areresponsible for the remainder of thedeductible amount (if applicable). Youcan also use your Healthcare FSA to payfor these expenses, if elected.After that, you pay the 20%coinsuranceOnce you have met your deductible,you only pay 20% of deductibleexpenses plus copays until you meetthe annual out-of-pocket maximum.This is called coinsurance. 12Example of How the Plan WorksJordan enrolls a family of three in the Health Advantage medical plan. AIT contributes up to $2,275 in an HRA fund, and the plan has a $9,000 annual in-network family deductible for the plan year. The HRAwill begin to pay towards eligible expenses once the $2,500 family deductible threshold is met.Jordan may receive additional cash to help cover his out-of-pocket expenses from thesupplemental health plans (Accident, Critical Illness, and Hospital Indemnity Plans) that AITprovides at no cost to you with the Health Advantage Plan.There is $1,775 remaining in Jordan’s HRA ($2,275 minus$500). The HRA will continue to cover eligible out-of-pocket deductible expenses, throughout the year, until theHRA funds are exhausted.

If you cover yourself onlyIf you cover anydependentsAIT Worldwide Logistics Incannual contributions*$700$1,500Maximum teammate contributions*$3,600$7,050Total annual contributions$4,300$8,550See how an HSA can help yousave for today and tomorrow.Health Savings Account (HSA)Included with the Health Savings Plan Only*All contributions are deposited on a per-pay-period basis.An HSA through WEX is paired with the Health Savings Plan.AIT Worldwide Logistics Inc contributes to your Health SavingsAccount (HSA) when you elect the Health Savings Plan and meets IRSeligibility requirements. You may also contribute tax-free funds to save for current and futurehealth expenses:HSA FundingUsing your moneyWEX will provide you with a debit card to easily spend your HSAbalance on health care expenses (medical, prescription, dental,and vision) for you and your tax dependents, ORLet your balance grow for retirement.The money in your HSA is always yours and available for qualifiedhealth care expenses - even if you change jobs or health plans. Beforeretirement, any funds used for non-health care expenses are subject totax penalties. Keep your receipts!Growing your money + tax savingsHSA dollars go in tax-free, grow tax-free and come out tax-free whenyou use them for qualified health expenses. You may also be able toinvest part of your balance once it meets a certain level.In retirementAt age 65, you can withdraw the funds in your HSA for any use (not justhealth care!) without tax penalties. HSA fundsIn order to make – or receive – contributions to a Health SavingsAccount (HSA), you must:be enrolled in a qualified High Deductible Health Plan (HDHP),not be covered under any other non-HDHP health coverage,including a full health care FSA through your spouse,not be anyone else’s tax dependent, and not be eligible for or enrolled in Medicare A or B, Tricare, or VAbenefits.Eligibility1355 or older? You can contribute an extra $1,000 per year incatch-up contributions. Important Note: You are permitted to change your HSAContributions throughout the year.

Account Contributions*AIT contributes $700 annually into yourHSA account if you enrolled in self onlycoverage and $1,500 if you enrolled in anyother coverage tier. You can also contributeto your HSA via payroll deductions.DeductibleYou pay for your initial medical costs untilyou meet your deductible. You can use themoney in your HSA for these expenses.Coinsurance and Out of PocketMaximumOnce the deductible is met, you and theplan share any further medical costs untilyou meet the out of pocket maximum. Youcan use the money in your HSA for theseexpenses.RolloverAny money left over in your HSA at the endof the year rolls over for future use.Year 1 ExamplePrior Year RolloverAIT HSA ContributionYolanda’s Pre-tax HSA ContributionsTotal HSA Balance$0.00$700.00$2,000.00$2,700.00Year 1 ExpensesDental2 doctor office visitsPrescriptions-$200.00-$180.00-$75.00Total Expenses$-455.00Balance in HSA End of Year 1$2,245.00Year 2 ExamplePrior Year RolloverAIT HSA ContributionYolanda’s Pre-tax HSA ContributionsTotal HSA Balance$2,245.00$700.00$2,000.00$4,945.00Year 2 Expenses2 doctor office visitsEmergency room visitPrescriptions-$180.00-$1,000.00-$150.00Total Expenses$-1,330.00Balance in HSA End of Year 2$3,615.00How a Health Savings Account WorksTogether, your and AIT’s contributions can be used to pay a portion of your deductible and coinsurance.14HSA ExampleYolanda enrolls in employee only coverage only in the Health Savings medical plan. Yolanda chooses to use HSA to pay for coveredservices — this reduces the out-of-pocket amount needed to meet the deductible before the health plan begins to pay.*Contributed on a per-pay-period basis*Because the account balance is over a $1,000, Yolanda can choose to invest in mutual funds!

Maximum contribution$3,300Annual rollover amountIf you do not spend all the money in this FSA by the end of the plan year, you may carryover a minimum of $50 to a maximum of $660 of unused funds into the next plan year.Runout PeriodSubmit claims up to March 31 of the following year for expenses from January 1 toDecember 31.Maximum contribution$5,000Annual rollover amountIf you do not spend all the money in this FSA by December 31, unused dollars will beforfeited per IRS regulations for pretax contributions.Runout PeriodSubmit claims up to March 31 of the following year for expenses from January 1 toDecember 31. Married filing separately: contribute up to $2,500 per person.Maximum contribution$3,300Annual rollover amountIf you do not spend all the money in this FSA by the end of the plan year, you may carryover a minimum of $50 to a maximum of $660 of unused funds into the next plan year.Runout PeriodSubmit claims up to March 31 of the following year for expenses from January 1 toDecember 31.Monthly maximum contribution$325 Eligible expensesFlexible Spending Accounts (FSAs)Enrolled in an HDHP plan (such as the Health Savings Plan) and eligible for HSA contributions? You’renot eligible for a health care FSA; you can contribute to a limited purpose FSA instead.Only the amount you’ve actually contributed is available for use at any one time. Estimate carefully! Unusedfunds will be forfeited at the end of the year per IRS regulations.Enrollment and contribution elections are made on a monthly basis, not annual.These funds carry over month to month.Dependent Care FSAPay for eligible child or disabled adult care while you work or attend school.Transit and Parking FSAPay for eligible transit and parking expenses related to work.Health CareHealth care FSAPay for eligible medical, prescription, dental, and vision expenses.Limited Purpose FSAPay for eligible dental and vision expenses when you're also contributing to an HSA.Health care, dependent care, and transit expenses can add up. Paying with tax-free funds can help. Enroll in one or more flexible spendingaccounts (FSAs) depending on your needs.Pay for qualifying expenses with tax-free money using your Flexible Spending Account through WEX.15Important Note: The IRS requires the company to complete annual compliance testing related to FSAs. AIT may be required to amend elections, cancel elections, or transfer certain funds to post-tax in order to pass testing results. While effortsare made to notify participants ahead of time, AIT reserves the right to take these actions at any time without prior notice. You may visit the irs.gov website and review publication 969 for more information.

How You Can Save on Taxes with Flexible Spending AccountsHealth Care FSADependent Care FSAWithout AccountWith AccountWithout AccountWith AccountYour TaxableAnnual Income$50,000$50,000$50,000$50,000Account Deposit(Before Taxes)N/A$2,500N/A$5,000Taxable Wages$50,000$47,500$50,000$45,000Federal & SocialSecurity Taxes$14,325$13,609$14,325$12,894Expense(After Taxes)$2,500N/A$5,000N/ATake Home(Net)$33,175$33,891$30,675$32,106Annual Tax Savings$0$716$0$1,431The following is an example of how you can save by using the FSAs.16Important Note: The IRS requires the company to complete annual compliance testing related to FSAs. AIT may be required to amend elections, cancel elections, or transfer certain funds to post-tax in order to pass testingresults. While efforts are made to notify participants ahead of time, AIT reserves the right to take these actions at any time without prior notice. You may visit the irs.gov website and review publication 969 for more information.

HRAHSAFSA*Limited FSADependent Care FSA*Commuter*Health Advantage PlanHealth Savings PlanHealth Prime PlanNot Enrolled in MedicalSpending Account DetailsWhich Account Am I Eligible for?17Account Type ComparisonHealth Reimbursement Account (HRA)Health Savings Account (HSA)Health Flexible Spending Account (FSA) /Limited Purpose FSA (LFSA)Dependent Care FSACommuterWhat is it?An account to help you pay for covered healthcare services and eligible medical expensesA personal bank account to help you save and pay for covered healthcare services and eligible medical expensesAn account to help you pay for covered healthcareservices and eligible medical expensesAn account to help you pay for eligible dependentcare services like child or adult daycareAn account to help you pay for coveredtransportation and parking expensesHow do I get it?By enrolling in the Health Advantage Medical PlanBy enrolling in the Health Savings Medical PlanBy electing it. You do not need to enroll in a medicalplan to have access to the FSA**By electing it. You do not need to enroll in amedical plan to have access to the FSABy electing it. You do not need to enroll in amedical plan to have access to the FSAWho owns it?AITYou doAITAITAITWho puts money in it?AIT onlyYou and AITOnly youOnly youOnly youDo funds roll over?NoYesYou can rollover up to $660 into the next plan yearNoFunds roll over month to month(forfeited at the end of the year)Fund availability?Once the deductible threshold is met the HRA will beginautomatically paying providers for eligible expensesFunds must be in accountAvailable on day 1Available on day 1Funds must be in accountAre there investment options?NoYesNoNoNoWhat does AIT contribute?$1,500 Individual / $2,275 Family$700 Individual / $1,500 Family***NoneNoneNoneWhat is the maximumcontribution?N/A$4,300 Individual / $8,550 Family***$3,300$5,000 if married filing jointly$2,500 if married filing separately $325 per month**If you are enrolled in a Health Savings Account you can only elect a Limited Purpose FSA. With a LFSA only dental and vision expenses are eligible for reimbursement.***Contributed on a per-pay-period basis

Accident InsuranceSee plan detailsEmergency Room VisitsMedical ExamsHospital StaysPhysical TherapyFractures and DislocationsTransportation and LodgingThe benefit plan information shown in this guide is illustrative only. To the extent the benefit plan information summarized herein differs from the underlying plan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlyinginsurance documents will govern in all cases.Accident insurance through Aetna can help you pay for the out-of-pocket costs you may experience after an accident.18These benefits are in addition to any health insurance benefits you may receive. The benefit amount is paid directly to you. You can use this money in any way you like, including deductibles,childcare, housecleaning, groceries, utilities, or any purpose that can help you meet your personal, financial or household needs.If you are enrolled in the Health Advantage Plan for medical coverage, AIT will cover 100% of the premium for the Accident plan.If you are enrolled in a different medical plan, the Accident plan must be elected and is fully funded by you.How the Plan WorksIf you are enrolled in an Aetna medical plan and incur claims for a covered accident under this plan, Aetna will automatically file an accident claim on your behalf and the benefit will be paid to you. No actionwill be required on your part (exceptions may apply if information is incomplete, in which case Aetna will contact you). Below is an example:On their way towork, Alex was ina car accidentAlex was transportedby a groundambulance to theemergency room andadmitted to thehospitalAlex had a dislocated hip andspent five days in thehospital. Alex had severalphysical therapy sessionsbefore returning to workAlex submitted the accident claimand received $10,450 from theaccident insurance coverage. Alecused it towards deductibles,copays and supplemental incomefor the missed work days.Total Accident Benefit Paid to Alex: $10,450Ground Ambulance$300MRI$200Dislocated Hip$6,000Emergency Room$400Hospital Stay - Admission$1,500Appliances$150X-ray$100Hospital Stay - Daily(5 days)$1,500Physical Therapy (4 sessions)$300

Critical Illness InsuranceThe benefit plan information shown in this guide is illustrative only. To the extent the benefit plan information summarized herein differs from the underlying plan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlyinginsurance documents will govern in all cases.Breathe easier knowing Critical Illness insurance through Aetna can help you pay your out-of-pocket expenses and allow you to focus onyour health.19See plan detailsIf you are enrolled in the Health Advantage Plan for medical coverage, AIT will cover 100% of the premium for the Critical Illness plan.If you are enrolled in a different medical plan, the Critical Illness plan must be elected and is fully funded by you.How the Plan WorksHeart AttackCancerMultiple SclerosisParkinson’s DiseaseStrokeMajor Organ FailureCritical Illness insurance pays a fixed one-time benefit amount if you are diagnosed with a covered disease or illness after your coverage effective date. You can use this money for anypurpose you like. It can help pay for expenses not covered by your health care plan (such as your deductible or copays), lost income, child care, travel to and from treatment, homehealth care costs or any of your regular household expenses. If you are enrolled in an Aetna medical plan and incur claims for a covered critical illness under this plan, Aetna will automatically file a critical illness claim on your behalf and the benefit will bepaid to you. No action will be required on your part (exceptions may apply if information is incomplete, in which case Aetna will contact you). Below is an example:If enrolled in the AIT Health Advantage Plan for medical coverage:If NOT enrolled in the AIT Health Advantage Plan for medical coverage:AIT pays 100% of the premium for a $5,000 Critical Illness benefit. Those that are covered under thisplan will mirror who you have elected to cover under your medical plan. You have the option to purchase an additional $5,000, $10,000 or $15,000 benefit on top of the$5,000 benefit paid for by AIT.You have the option to purchase Voluntary Critical Illness in any of the following benefit amounts:$5,000, $10,000, $15,000. The spouse benefit will match your benefit. The child(ren) benefit will be 50% of your benefit.Benefits have increased for 2025!

Hospital Indemnity InsuranceHospital indemnity insurance through Aetna pays a daily benefit if you have a covered stay in a hospital, critical care unit or rehab facility. 20See plan detailsIf you are enrolled in the Health Advantage Plan for medical coverage, AIT will cover 100% of the premium for the Hospital Indemnity plan.If you are enrolled in a different medical plan, the Hospital Indemnity plan must be elected and is fully funded by you.How the Plan WorksHospital AdmissionHospital ConfinementHospital Intensive CareIf you incur a claim, you are then issued a check that you can use as you see fit. Benefits are paid in a lump sum directly to you, and amounts are fixed and determined byyour policy, regardless of the amount of expenses incurred. You can use the money to pay for everyday expenses or for health care expenses that aren’t covered by yourmedical plan (for example, your deductible, copays and/or coinsurance). You can also use this payment to help with other expenses like transportation and meals forfamily members, help with child care, and other expenses you may have.If you are enrolled in an Aetna medical plan and incur claims for a covered critical illness under this plan, Aetna will automatically file a critical illness claim on your behalf and the benefit will bepaid to you. No action will be required on your part (exceptions may apply if information is incomplete, in which case Aetna will contact you). Below is an example:In April, Jordan unexpectedlyneeded back surgeryJordan was admitted to thehospital for surgery.After surgery, Jordan beganphysical therapy to increasestrength and flexibility.Jordan submitted the claimand received a lump-sumpayment of $1,000Total Hospital Indemnity Benefit Paid to Jordan: $1,000

Eligible Wellness-RelatedProducts and Activities**Gym MembershipsFitness ClassesFitness EquipmentWalk/Run Entrance FeesNon-medical counselingPersonal Development Classes**Not a complete list2025 Wellbeing AITContributes Submission CutoffDate AvailabilityDate For all benefit eligible teammates $100 N/A January 2025 Additional funds If you* Had anannual wellness exam throughone of AIT’s Aetnamedical plans in 2024 Did not use it for the wellnesscredit in2024 $300 N/A January 2025 If you Completed your annual physical examthroughanother plan or independentlyin 2024Submit proof and did not use it for thewellness credit in 2024 $300 N/AJanuary 2025 If you*Complete your annual wellnessphysicalexam during 2025 Submit proof if you are notenrolled in anAIT medical plan $300 April 20, 2025 June 20, 2025September 20, 2025December 20, 2025 May 2025 July 2025October 2025 January 2026 * And your spouse if you and your spouse are enrolled in an AIT medical plan Any reimbursements are considered taxable income to the employee within the calendar year it is paid, plus subject to normal federal, state, and local taxes.Teammates will see this reflected on their paystuband W2.Unused funds are not considered taxable. Wellbeing - Lifestyle Spending Account (LSA)Support for your health, finances, and life.21The Lifestyle Benefit allows teammates the flexibility to define wellbeing in their own way. You can promote mental and physical well-being for you andyour family in a way that works for you! AIT will continue to offer the Lifestyle Spending Account program. Through this benefit, AIT deposits $100 into all benefit eligible teammate’s account and, you can earn an additional $300 tospend if you (and your enrolled spouse for those participating in the AIT Medical plan) complete and provide proof of an annual wellness exam.It’s very important to note that you do not have to be enrolled in an AIT medical plan to receive this benefit and you can use this benefit for all of your dependents

Managing work, family, relationships, and finances can be tough. Our Teammate Support Program provides you and your familywith no-cost, confidential assistance with all things related to your life. 24/7/365.mental health concerns (including substance abuse or addiction),adoption, parenting, or caregiving needs,financial or legal support,familial relationships and friendships,coping with day-to-day challenges, andso much more.Essentially, if it's part of your life, our EAP is here for you.Access support web, through live chat, or over the phone. 24/7/365.24/7/365 access to care. Call: 1-888-851-7032Visit: global.helpwhereyouare.comCompany Code: AITSee plan detailsWellbeing - Teammate Support Program22Care for your mind – and your life – with support through Workplace Options.Everyo ne needs support sometimesConfidential. No one at AIT Worldwide Logistics Inc will ever know you called or what was discussed.Available 24/7/365. Life doesn't happen during office hours. The EAP is here when you need them.Family care is included. Anyone living in your home is eligible for EAP services at no cost.Face-to-face visits. When needed, each person can receive up to 6 face-to-face (or video sessions) visits with a licensed counselor per issueper year at no cost. Additional visits - if needed - will go through your health insurance.Teammate Support Program features:

Dental Care Plus PlanDental Care Basic PlanNetwork name:PPO and Premier NetworkOut-of-networkPPO and Premier NetworkOut-of-networkAnnual Deductible (DED)$50 per person $150 family max$50 per person $150 family maxAnnual maximum benefit$2,000 per person $2,000 per person $1,000 per person $1,000 per person Preventive care100% covered100% covered100% covered100% coveredBasic careDED then you pay 20%DED then you pay 30%DED then you pay 20%DED then you pay 30%Major careDED then you pay 50%DED then you pay 60%Not coveredNot coveredOrthodontic careCoverageLifetime max benefit50% covered (child to age 19)$1,500 lifetime max benefitNot coveredLearn about dental care categoriesTo find a provider in the PPO or Premier network, visitdeltadentalil.com and select “Find a Provider”Dental InsuranceSelect from two dental options through Delta Dental.All plans cover in-network preventive care at 100%. The differences are: what premiums pay for the plan, what you pay when you get care, the maximum amount Delta Dental will pay each year for dental care(annual maximum benefit), andorthodontic care. Covered.23The Delta Dental Plans offers two in-networks., the PPO network andPremier network, and also offers out-of-network coverage.Delta Dental PPO: Lowest out-of-pocket costs for dental care.Delta Dental Premier: Higher out-of-pocket costs for dental care thanPPO, but lower than out-of-networkOut-of-Network: Highest out-of-pocket costs for care. Out-of-network dentists have not agreed to contracted fees with Delta Dental,so the costs will be highest when seeing these dentistsAIT offers two dental plan options through Delta Dental.The Dental Care Basic plan is for teammates who desire coverage with lower premiums. The plan offers an annual maximum benefit of $1,000,and covers preventive and basic care at the same level as the Care Plus plan. This plan DOES NOT cover major care or orthodontic care forchild(ren).The Dental Care Plus plan offers the widest range of coverage including an annual maximum benefit of $2,000, (increase from 2023), preventivecare covered at 100%, basic care, major care and orthodontic care for each child(ren) up to age 19 with a lifetime maximum of $1,500.

Vision Buy-Up PlanVision Base PlanIn-networkOut-of-networkIn-networkOut-of-networkAnnual eye exam $0 CopayUp to $40 reimbursement$10 copayUp to $30 reimbursementFrames$0 Copay$180 AllowanceUp to $90 reimbursement$0 copay$130 AllowanceUp to $65 reimbursementLenses $25 CopayUp to $30 / $50 / $70reimbursement$25 CopayUp to $25 / $40 / $60reimbursementContact Lenses(Elective)$0 Copay$180 AllowanceUp to $144 reimbursement$0 copay$130 AllowanceUp to $104 reimbursementContact lenses(Necessary)$0 CopayCovered in FullUp to $300 reimbursement$0 CopayCovered in FullUp to $300 reimbursementFrequency(Exams / Lenses / Frames)12 / 12 / 12 Months12 / 12 / 24 MonthsYour vision plan covers either glasses (lenses and frames) or contact lenses each year. If you receive contact lenses, they will be instead of your glasses benefit.For a list of providers:Visit: eyedoclocator.eyemedvisioncare.comCall member services at: (866) 800-5457Vision InsuranceSelect from two vision options through EyeMed Vision Care.24Both plans cover annual exams, lenses and frames, orcontacts in lieu of glasses. The differences are:what premiums you pay for the plan, what you pay when you get care,the materials allowance (how much the plan will pay)for frames or contact lenses, andthe frequency which services are covered in-network.When you use one of the providers in EyeMed’s extensivenetwork, you receive a higher level of coverage and are onlyrequired to make a copayment at the time of service. With anout-of-network provider, you must pay the bill in full and filea claim for reimbursement of covered benefits up to theallowance shown.AIT offers two vision plan options through EyeMed.The Vision Base plan is for teammates who desire coverage with lower premiums. The plan offers an annual eye exam with a $10 copay andcovers medically necessary contact lenses similarly to the Buy-Up plan.The Vision Buy-Up plan provides greater benefits. The plan offers an annual eye exam with a $0 copay, increased allowances for frames andelective contact lenses, and an improved frame frequency of every 12 months.

See plan detailsBasic life and AD&DAIT Worldwide Logistics Incprovides1 x your annual base salary up to$150,000 Benefit Reduction Schedule: Age 70 to 67% and age 75 to 50%.1.Teammates in a Management position receive 2 x their annual base salary up to $300,000.2.See plan detailsFor youFor your spouseFor your child(ren)Coverageincrements$10,000$5,000$10,000Coverage maximum5x your annual earningsto $1,000,000100% of your(employee) coverageamount to $500,000$10,000Medical questionlimit$300,000*$50,000Does not apply*Annual Benefits Enrollment is thetime to increase coverage. Takeadvantage and increase 2 incrementlevels!What's AD&D?Accidental death and dismemberment (AD&D) insurance may pay:your beneficiary if you pass away due to an accidentyou a partial benefit if you lose specified bodily functions (sight,limbs, etc.)Life and AD&D InsuranceFinancial peace of mind through Lincoln Financial Group.Life insurance pays a benefit if you pass away while you're covered. Accidental Death and Dismemberment (AD&D) insurance offers additionalsupport if you pass away or are seriously injured due to an accident.Company Paid Basic life and AD&D insuranceAIT Worldwide Logistics Inc provides life and AD&D insurance at nocost to you.Make sure to designate a beneficiary for your life insurance coverage toensure your family is cared for according to your wishes.Additional life and AD&D insuranceYou may also purchase additional coverage for you, yourspouse, and your eligible child(ren). Your coveragemaximum is a combination between Basic and VoluntaryLife and AD&D coverage.When you’re first eligible (a new hire), you can purchase additional life insurance up to this limit without any medicalquestions required. Medical questions and approval will be required for all future increase and purchase requests.Medical question limit25

See plan detailsSTDBenefits beginAfter 7 days of inability to work Coverage amount60% of your income up to $1,500 per weekPayments may continueUp to 26 weeks if you’re unable to return to workSee plan detailsBasic LTDBuy-up LTD*Benefits beginAfter 180 days of inability to work(once short-termdisability ends)After 180 days of inability to work(once short-termdisability ends)Coverageamount50% of your income up to $6,000 per month66.7% of your income up to$10,000 per monthPayments maycontinueUp to 2 yearsBased on your disabled age*If you enroll after your initial enrollment period, Evidence of Insurability will berequired. Please note that pre-existing condition exclusions may apply. See note below *As of 1/1/25, the Basic LTD plan was updated to provide benefits of no more than 2 years.Teammates who want greater protection, may want to consider the Buy-Up LTD Plan. There isa one-time exception for EOI to be waived during this year's Annual Enrollment window.AIT provides Company Paid Short-term and Long-term Disability through Lincoln Financial Group to protect your paycheck if you becomedisabled. Teammates can also purchase additional LTD coverage with the Buy-Up LTD plan.Disability coverage insures your paycheck, replacing a portion of your income if you’re unable to work due to a covered illness or injury.Disability InsuranceShort-term DisabilityShort-term disability coverage can replace part of your paycheck if you’reunable to work for a shorter period of time. AIT Worldwide Logistics Incprovides this coverage at no cost to you.Long-term Disability Long-term disability coverage can provide lasting income protection if you remainunable to work. AIT Worldwide Logistics Inc provides Basic LTD at no cost to you.Buy-up LTD is available for purchase.Wish you knew more aboutfinances? Now you can - at nocost!If you make a disability claim within the first year of being covered, checkyour plan details to see how pre-existing condition limitations mightimpact your coverage.Pre-existing condition limitations26

Travel ConnectTravel Connect is included at no additionalcost through Lincoln Financial Life. TravelConnect coverage provides support in thecase of an emergency when you aretraveling more than 100 miles from yourhome.See plan detailsIdentity theftIdentity theft protection, administered byComPsych, through Lincoln FinancialGroup helps monitor your credit andpersonal information online, and isprovided to you at no cost!See plan detailsVoluntary Pet insurancePet Insurance is provided throughNationwide and is 100% funded by you.You are able to enroll your dog, cat and/ora qualified exotic pet between the ages of8 weeks and 9 years old. There are severalplans to choose from, covering wellness tomajor medical. Contact Nationwide formore plan details at (877) 738-7874 or visitwww.petinsurance.com/aitworldwide.See plan detailsAdditional BenefitsAIT offers several additional benefits to meet the needs of each teammate. Identity Theft Protection and Travel Connect are provided at nocost, while teammates can purchase Voluntary Pet Insurance.27

Paid Parental LeaveWPO Parental SupportAIT’s Employee Support Program through WPO providesteammates and their families access to resourcesspecifically for parents that provide counselors that canhelp with parenting challenges such as consultants to helpyou find childcare providers, assist you with findingresources for children with special needs, information onbecoming a parent, help with parenting skills and more!WPO also provides new parent return-to-work sessionsthat focus on practical and emotional issues you may faceas a new parent. Visit the parenting division of the WPOwebsite for more information on how you can access theseimportant benefits.See plan detailsAIT wants to support our teammates and their familiesin one of the most important times in life – becoming aparent. Our Paid Parental Leave Program allows bothprimary and secondary caregivers to take time offfrom work to bond with your child. Paid parental leaveis provided to eligible teammates, following the birthof a teammate’s child or the placement of a child witha teammate in connection with adoption or foster care.28New Parent BenefitsVisit WPO Website

Contact Fidelity to enroll or change yourelections to the 401(k) Retirement Plan:Call: (800) 835-5097Visit: www.401k.comRetirement Savings PlanSet your future self up for financial stability with a 401(k) through Fidelity Investments.AIT Worldwide Logistics offers a 401(k) plan that helps you plan for a secure retirement. Full time and part time new hires are eligible to participate the first of the month following a 90-day waiting period. Newly eligibleteammates that do not make a deferral election will be automatically enrolled at a 5% contribution rate. You have the option to increase, decrease or stop your contributions at any time. The basicsChoose from pre-tax (traditional) and/or after-tax (Roth)contributions, depending on your need. You can changeyour contribution amount or pre-or after-tax election at anytime. Teammates can contribute between 1%-75% perpaycheck, up to the IRS Annual Maximum Deferral Limit.ContributionsThe IRS maximum 401(k) contribution is indexed every year. If you’re over age50, or will be turning 50 during 2025, you can contribute a catch-up contributionin addition to the maximum limit. Not sure whether to select pre-tax (traditional) or after-tax (Roth)? Check withyour financial advisor to determine the best choice for you. The basicdifferences:Pre-tax: your contributions come out of your paycheck before Federal andstate taxes but after FICA (Medicare and Social Security) taxes. You’ll payregular income tax when you withdraw your money at retirement.Roth (after-tax): your contributions come out of your paycheck after taxes.When you withdraw your funds at retirement, they’re tax-free.Learn how investing andsaving actually works - andcan work for you.The Plan has a 2-year cliff vesting schedule for theemployer match meaning employer match is forfeited ifan employee terminates within 2 years. Any employeecontributions are always 100% vested.You always own what you contribute to your 401(k).29Teammates must designate a beneficiary for their 401(k) account.Employer Matching ContributionsAIT provides employer matching contributions. The match is100% of the first 3% and 50% of the next 2% of theteammate’s contribution (pre-tax and Roth) for a total of 4%!

Medicare CreditableCoverage NoticeVisit Transition Benefit GroupReady to get started? Schedule an appointment directly with a specialized advisortoday.Call (800) 936-1405, or email info@transitionsrbg.com.You can also book online!Medicare, Retirement, and Social Security Enrollment GuidanceReceive educational and consultative support from Transitions Benefit Group whenexploring Medicare, Retirement, and Social Security Enrollment guidance30For over a decade, Transitions Benefit Group has provided people with the resources and guidance needed to make an informed decision about their Medicare, retirement, and healthinsurance needs. This resource can help you when deciding between AIT group health coverage and Medicare, and is available to teammates and their family members at no cost!How can Transition Benefit Group Help?Medicare PlanningLearn the A, B, C and Ds of Medicare by checking out their on-demand webinar and other resources.Retirement ReadinessReady to retire? Not sure? Transitions Benefit Group can help solidify your retirement plans, from finances tomaximizing Social Security benefits to long-term care.Benefits ContinuityFrom options to supplement your health plan to planning your legacy, Transition Benefit Group can guideyou to the right choices.Educational ResourcesFrom on-demand webinars to printable guides, forms and checklists, Transitions Benefit Group has theresources you need, and their advisors are just a phone call away, too.Important Medicare Dates to RememberMedicare InitialEnrollments Period (IEP)The IEP starts three months before your 65th birthday,includes the birthday month, and ends three months afteryour birthday.General Enrollment Period(January 1 - March 31)The General Enrollment Period is from January 1 - March31. If you miss your IEP, you can sign up for Medicare Part Aand Part B during this time.Annual Enrollment Period(October 15 - December7)You can make changes to your current Medicare plansduring this time.When is a Good Time toReview Your Options?You should begin reviewing your options 6 months beforeyour 65th birthday to ensure you’re prepared for to theMedicare Initial Enrollment Period. Review your plan inSeptember and October each year in preparation for theAnnual Open Enrollment Period.

Medical insuranceAetna1-833-359-0120www.aetna.comHealth Savings Account (HSA)Health Reimbursement Arrangement (HRA)Flexible Spending Accounts (FSAs)WEX1-866-451-3399benefitslogin.wexhealth.comLifestyle Spending Account (LSA)Formawww.joinforma.comTelehealthTeladoc (via Aetna)1-855-835-2362teladoc.com/aetnaEmployee Support ProgramWorkplace Options1-888-851-7032global.helpwhereyouare.comCompany Code: AITDental insuranceDelta Dental1-800-323-1743www.deltadentalil.comVision insuranceEyeMed Vision Care1-866-800-5457www.eyemedvisioncare.comLife and AD&D insuranceDisability insuranceLincoln Financial Group1-888-408-7300MyLincolnPortal.comCompany Code: AITWWSupplemental Health(Accident, Critical Illness, Hospital Indemnity)Aetna1-800-607-3366www.aetna.comIdentity Theft ProgramComPsych (through Lincoln Financial Group)1-855-891-3684GuidanceResources.com401(k) retirement savingsFidelity Investments1-800-835-5097www.401k.comAIT BenefitsAIT LeaveEffortlessly resolve your HR inquires by clicking the AITConnectlogo and accessing our self-service portal!Medicare SupportTransitions Benefit Group1-800-936-1405www.transitionsrbg.comContact Information31