2027 Employee Benefits Guide

EMPLOYEE BENEFITS GUIDE 2027 1

Welcome OUR BENEFITS This employee benefits program is designed with you and your family in mind, offering a comprehensive range of options to support your well-being and financial security. As part of your total compensation, these benefits are here to help protect what matters most to you. We encourage you to explore your options carefully to make the best choices for you and your family. This guide provides an overview of the primary features of each plan, though it is not a guarantee of coverage. For complete details, please refer to the official plan documents, which govern your rights and benefits. If you have questions or need further information, our HR department is here to support you. AM I ELIGIBLE? Employees working 20 hours or more a week, who have satisfied the waiting period, are eligible to participate in the benefits described in this guide. Your eligible dependents include: CHANGE IN STATUS? During the year, you can change your benefit elections only if you experience a qualifying change in status event. You must notify our Human Resources department within 30 days from the event to make any changes to your benefits. Examples include changes in: • Marital status (marriage, divorce, legal separation) • Number of dependent children (birth, adoption) • Employment status (part-time to full-time) • Eligibility status (change in hours, job loss) • Your legal spouse or domestic partner • Your dependent children, up to age 26, if they qualify as your tax dependents 2

Enrollment The picture can't be displayed. The benefits you elect during open enrollment will be effective for the duration of the Plan year: January 1st – December 31st. New hires are eligible to begin benefits on the 1st of the month following 60 days after date of hire. To prepare for this enrollment, please have your personal information such as address, birth dates, and social security numbers for you and any eligible dependents, available at enrollment. Our Human Resources department is always here to support you, so please know that you can call on us to assist you anytime. Please complete your enrollment by filling out the enrollment form/application and turn in to Human Resources before the due date. They will provide your enrollment to each carrier. HOW DO I ENROLL? WHEN DO I ENROLL? 3

Your Benefits The picture can't be displayed. WHAT TO EXPECT NEXT? Benefits will start at the 1st of the month and while we try to make sure everyone has received their Medical ID cards in the mail before then, sometimes that does not always happen. Therefore, please schedule important doctor’s visits or prescription fills before the new plan starts, to avoid being without an ID card. In the event you do not have your Medical ID card in time for a prescription or doctor’s visit please know that you do still have coverage. • Contact Human Resources and request a temporary ID card • Pay out of pocket for the service, keep the itemized receipt, then file a reimbursement claim with the insurance company. IMPORTANT DISCLAIMER This document is intended to highlight or summarize certain provisions of our benefits plans. It is not a Summary Plan Description (SPD) or an official plan document. Your rights and obligations under the plans are set forth in the official plan documents. All statements in this Benefits Guide are subject to the terms of the official plan documents. In the case of an ambiguity or conflict between a provision in this summary and a provision in the plan documents, the terms of the plan documents control. 4

Cost of Coverage The cost you pay to be enrolled in insurance coverage. You and your employer share this cost. Your portion is paid through pre-tax payroll deductions each period. HEALTHCARE COSTS - EXPLAINED You share the cost of services with the insurance plans you select. As you review your plan options you should consider the different types of costs associated with insurance coverage. The amounts below are examples only, please refer to your specific plan for the exact amounts. Premium A flat fee you pay up front at the time you receive a service. For example, you need to see a Primary Care Physician, you will have a set copay for each visit. Copay The % of a covered service's cost that a patient pays after meeting their deductible. You and the insurance company each pay a share of the cost, with the percentages adding up to 100%. For example, if your plan has an 80%/20% coinsurance structure, you pay the first 20% of the cost and the insurance company pays the remaining 80%. Coinsurance The maximum amount of money you pay for covered services in a plan year. Once you reach your out-of-pocket maximum, the insurance company pays 100% of covered costs for the rest of the plan year. For example, if your plan has a $30 copay for a visit to the primary care doctor, that $30 would count toward your out- of-pocket maximum for the year. Out-of-Pocket Maximum A fixed amount you must pay for covered services each plan year before the insurance company will pay their portion. For example, if you have a $2,000 deductible and receive a medical bill for $3,500, you pay the first $2,000 and the insurance company pays their portion of the remaining $1,500. Deductible 5

Medical Plan 3 S731ADT PPO $6,850 Plan Plan 2 G746ADT PPO $2,100 Plan Blue Cross Blue Plan 1 P8J6ADT PPO $1,100 Plan Shield PPO Network Blue Advantage Blue Advantage Blue Advantage Individual: $6,850 Individual: $2,100 Family: $13,700 Individual: $1,100 Family: $6,300 Plan Year Deductible Family: $3,300 Individual: $11,750 Individual: $6,250 Family: $23,500 Individual: $2,500 Family: $18,400 Out-Of-Pocket Maximum Family: $7,500 Coinsurance 10% 20% 20% Preventive Care Covered in full Covered in full Covered in full visit/screening Primary Care: $35 Specialist: $60 Urgent Care: $50 Primary Care: $35 Specialist: $60 Urgent Care: $50 Primary Care: $30 Office Visit Copay Specialist: $55 Urgent Care: $50 $600 Copay, then Deductible & Coinsurance $500 Copay, then Deductible & Coinsurance $400 Copay, then Deductible & Emergency Room Coinsurance $200 Copay, then Deductible & Coinsurance $200 Copay, then Deductible & Coinsurance $100 Copay, then Deductible & Coinsurance Outpatient Services $250 Copay, then Deductible & Coinsurance $250 Copay, then Deductible & Coinsurance $150 Copay, then Deductible & Coinsurance Inpatient Hospital Services The picture can't be displayed. Effective: January 1, 2027 Amounts shown below are your responsibility. This table only shows in-network benefits 6 The picture can't be displayed. www.bcbsok.com / 866-520-2507

Prescriptions Effective: January 1, 2027 PRESCRIPTION COVERAGE | Plan 1 | Plan 2 | Plan 3 | | COPAYS | P8J6ADT | G746ADT | S731ADT | | PPO $1,100 Plan | PPO $2,100 Plan | PPO $6,850 Plan | | Generic | $10 / $20 | $5 / $10 | $10 / $20 | | Preferred Brand | $50 | $50 | $50 | | Non-Preferred Brand | $100 | $100 | $100 | Specialty $250 / $350 $250 / $350 $250 / $350 The picture can't be displayed. 90 Day Supply Depending on your medication, you might also be eligible for a 90-day supply delivered directly to your home, a convenient option for maintenance prescriptions. To check availability and get started, visit your health plan’s member portal or pharmacy benefits section online. The picture can't be displayed. Ways to Save  Ask your doctor about generic alternatives  Use mail-order or 90-day supply options for maintenance medications, if available  Check for discount programs or manufacturer coupons  Review your plan’s formulary list to see which medications are covered at the lowest cost Coverage Rules to Know Some prescriptions may require extra steps before they’re approved: • Prior Authorization: You may need approval before the plan will cover certain medications. • Step Therapy: You might be required to try lower-cost alternatives before moving to higher-cost medications. • Formulary Exclusions: Not all medications are covered. You can review the plan’s drug list or speak with customer service for details.

Virtual Visits The picture can't be displayed. The picture can't be displayed. The picture can't be displayed. The picture can't be displayed. The picture can't be displayed. What is Telemedicine? Telemedicine lets you connect with a licensed healthcare provider—by phone, video, or app— without needing to visit a clinic or urgent care. It’s fast, secure, and convenient. Common Uses • Colds, flu, and allergies • Sinus infections • Skin rashes • Urinary tract infections Activate Your Account Today: • Call 888-970-4081 or • Go to MDLIVE.com/bcbsok or • Text BCBSOK to 635-483 or • Download the MDLIVE app • Pink eye • Minor injuries • Medication refills • Nausea

Where to Go YOUR DECISIONS MATTER Navigating the healthcare system can be difficult. Knowing where to go for care can help you save time and money. Educate yourself on nearby clinics, develop a relationship with a primary care physician (PCP), and know your in-network urgent care options. $ $$ $$$ $$$ $ $$$ $$ $$$ $$$ Virtual doctor visits with licensed physicians can diagnose, treat, and prescribe medications for common ailments. Virtual care may also extend to mental health, dermatology, nutrition, and more. Telehealth Virtual Care Germs: No Travel: No Hours: 24/7/365 Walk-in clinics that offer treatment for non-life- threatening conditions such as sprains, rashes, burns and sore throats. Convenience Care Clinic Germs: Yes Travel: Yes Hours: Extended Hours Doctor office visit with board certified, licensed physicians who can diagnose, treat and prescribe medications for many common ailments. Primary Care Physician Office Germs: Yes Travel: Yes Hours: Business Hours When you need care quickly, but it’s not a true emergency. Mobile urgent care may be available in your area and can provide many urgent care services at your home. Urgent Care Clinics Germs: Yes Travel: Yes Hours: Extended Hours Emergency Rooms (ER) handle life- threatening or serious conditions needing immediate care, often resulting in hospital admission. They are more efficient and cost-effective compared to freestanding emergency departments. Hospital Emergency Room Germs: Yes Travel: Yes Hours: 24/7/365 Not recommended: FSEDs are not attached to a hospital and cannot admit you to a hospital (if needed). If you require immediate care, go to an ER facility attached to the hospital. Freestanding Emergency Dept. Germs: Yes Travel: Yes Hours: Varies 9

Direct Primary Care What Is DPC? Direct Primary Care gives you unlimited visits to DPC doctors with a $0 copay for minor injuries and acute illnesses. DPC is known to cover roughly 70-80% of typical day-to-day healthcare needs. What It Costs • Adults: $21 per month • Children under age 17: $12.25 per child • Unlimited visits at $0 copay • Preventive, chronic & acute care included Get Started Today: • Find a DPC doctor: primary-healthpartners.com • 12 Oklahoma clinics + virtual care • Low cash prices on clinic prescriptions • Questions? Call (405) 805-6341 10

Dental Delta Dental of Oklahoma Network PPO Plan Year Deductible $50 per person / $150 per family Preventive & Diagnostic Covered in full / Deductible waived Care Basic Care 20% After Deductible Major & Restorative Care 50% After Deductible Plan Year Maximum Per $1,500 Person Orthodontia 50% After Deductible (Children under 26) Orthodontic Lifetime $1,500 Maximum The picture can't be displayed. The picture can't be displayed. Effective: January 1, 2027 Amounts shown below are your responsibility. This table only shows in-network benefits 11 www.deltadentalok.org / 800-522-0188

Vision The Standard Network VSP Choice Exam: $10 Copay Copays Materials: $25 Copay Routine Eye Exam Every 12 Months Lenses Every 12 Months Frames Every 24 Months $130 Retail Allowance Every 12 Months Contact Lens $130 Retail Allowance in lieu of glasses Medical-Necessity Contacts Covered at 100% Effective: January 1, 2027 Amounts shown below are your responsibility. This table only shows in-network benefits Like a regular fitness program, vision insurance promotes good health. Eye exams are considered preventive care and plans typically cover most, if not all, of the exam cost. Scheduling regular exams helps your eye doctor identify vision correction needs, changes inside the eye and early stages of eye diseases, such as glaucoma, cataracts, macular degeneration and diabetic retinopathy. 12 www. thestandard.com / 800-547-9515

Employee Cost Use this chart to find your current age and the monthly premium for Employee Only coverage. This is your cost after Ten Key’s employer contribution. Plan 1: P8J6ADT $1,100 Plan | Monthly Payroll | Plan 1: PPO $1,100 Plan (P8J6ADT) | | Deduction | Employee Premiums | | Age | Rate | Age | Rate | Age | Rate | Age | Rate | Age | Rate | | <15 | $207.71 | 25 | $272.60 | 36 | $333.96 | 47 | $424.38 | 58 | $691.82 | | 15 | $226.17 | 26 | $278.04 | 37 | $336.14 | 48 | $443.93 | 59 | $706.76 | | 16 | $233.24 | 27 | $284.55 | 38 | $338.31 | 49 | $463.21 | 60 | $736.89 | | 17 | $240.30 | 28 | $295.13 | 39 | $342.65 | 50 | $484.93 | 61 | $762.96 | | 18 | $247.90 | 29 | $303.83 | 40 | $347.00 | 51 | $506.38 | 62 | $780.06 | | 19 | $255.50 | 30 | $308.17 | 41 | $353.51 | 52 | $530.00 | 63 | $801.51 | | 20 | $263.37 | 31 | $314.69 | 42 | $359.76 | 53 | $553.90 | 64+ | $814.55 | | 21 | $271.52 | 32 | $321.20 | 43 | $368.45 | 54 | $579.68 | | 22 | $271.52 | 33 | $325.28 | 44 | $379.31 | 55 | $605.48 | | 23 | $271.52 | 34 | $329.62 | 45 | $392.07 | 56 | $633.45 | | 24 | $271.52 | 35 | $331.79 | 46 | $407.28 | 57 | $661.69 | Use this chart to calculate the monthly premium deduction for any dependents you wish to add to your plan. Premiums are age-rated and per person so you must look up your spouse’s age and each child’s age, then add all premiums together (including your premium for Employee Only coverage). For children, you are charged for the 3 oldest children only. | Monthly Payroll | Plan 1: PPO $1,100 Plan (P8J6ADT) | | Deduction | Dependent Premiums | | Age | Rate | Age | Rate | Age | Rate | Age | Rate | Age | Rate | | <15 | $291.58 | 25 | $382.67 | 36 | $468.80 | 47 | $595.72 | 58 | $971.14 | | 15 | $317.49 | 26 | $390.29 | 37 | $471.85 | 48 | $623.17 | 59 | $992.11 | | 16 | $327.41 | 27 | $399.44 | 38 | $474.91 | 49 | $650.23 | 60 | $1,034.42 | | 17 | $337.32 | 28 | $414.30 | 39 | $481.00 | 50 | $680.72 | 61 | $1,071.01 | | 18 | $347.99 | 29 | $426.50 | 40 | $487.10 | 51 | $710.83 | 62 | $1,095.02 | | 19 | $358.66 | 30 | $432.59 | 41 | $496.25 | 52 | $743.99 | 63 | $1,125.13 | | 20 | $369.71 | 31 | $441.74 | 42 | $505.02 | 53 | $777.53 | 64+ | $1,143.42 | | 21 | $381.14 | 32 | $450.89 | 43 | $517.21 | 54 | $813.73 | | 22 | $381.14 | 33 | $456.61 | 44 | $532.45 | 55 | $849.94 | | 23 | $381.14 | 34 | $462.70 | 45 | $550.37 | 56 | $889.20 | | 24 | $381.14 | 35 | $465.76 | 46 | $571.72 | 57 | $928.84 | 13

Employee Cost Use this chart to find your current age and the monthly premium for Employee Only coverage. This is your cost after Ten Key’s employer contribution. Plan 2: G746ADT $2,100 Plan | Monthly Payroll | Plan 2: PPO $2,100 Plan (G746ADT) | | Deduction | Employee Premiums | | Age | Rate | Age | Rate | Age | Rate | Age | Rate | Age | Rate | | <15 | $143.88 | 25 | $188.83 | 36 | $231.33 | 47 | $293.96 | 58 | $479.22 | | 15 | $156.67 | 26 | $192.60 | 37 | $232.84 | 48 | $307.50 | 59 | $489.56 | | 16 | $161.56 | 27 | $197.10 | 38 | $234.34 | 49 | $320.86 | 60 | $510.43 | | 17 | $166.45 | 28 | $204.43 | 39 | $237.35 | 50 | $335.90 | 61 | $528.49 | | 18 | $171.72 | 29 | $210.46 | 40 | $240.36 | 51 | $350.76 | 62 | $540.34 | | 19 | $176.98 | 30 | $213.47 | 41 | $244.87 | 52 | $367.13 | 63 | $555.20 | | 20 | $182.43 | 31 | $217.99 | 42 | $249.20 | 53 | $383.68 | 64+ | $564.23 | | 21 | $188.08 | 32 | $222.49 | 43 | $255.22 | 54 | $401.54 | | 22 | $188.08 | 33 | $225.32 | 44 | $262.75 | 55 | $419.41 | | 23 | $188.08 | 34 | $228.33 | 45 | $271.59 | 56 | $438.78 | | 24 | $188.08 | 35 | $229.82 | 46 | $282.12 | 57 | $458.35 | Use this chart to calculate the monthly premium deduction for any dependents you wish to add to your plan. Premiums are age-rated and per person so you must look up your spouse’s age and each child’s age, then add all premiums together (including your premium for Employee Only coverage). For children, you are charged for the 3 oldest children only. | Monthly Payroll | Plan 2: PPO $2,100 Plan (G746ADT) | | Deduction | Dependent Premiums | | Age | Rate | Age | Rate | Age | Rate | Age | Rate | Age | Rate | | <15 | $227.75 | 25 | $298.90 | 36 | $366.17 | 47 | $465.30 | 58 | $758.54 | | 15 | $247.99 | 26 | $304.85 | 37 | $368.55 | 48 | $486.74 | 59 | $774.91 | | 16 | $255.73 | 27 | $311.99 | 38 | $370.94 | 49 | $507.88 | 60 | $807.96 | | 17 | $263.47 | 28 | $323.60 | 39 | $375.70 | 50 | $531.69 | 61 | $836.54 | | 18 | $271.81 | 29 | $333.13 | 40 | $380.46 | 51 | $555.21 | 62 | $855.30 | | 19 | $280.14 | 30 | $337.89 | 41 | $387.61 | 52 | $581.12 | 63 | $878.82 | | 20 | $288.77 | 31 | $345.04 | 42 | $394.46 | 53 | $607.31 | 64+ | $893.10 | | 21 | $297.70 | 32 | $352.18 | 43 | $403.98 | 54 | $635.59 | | 22 | $297.70 | 33 | $356.65 | 44 | $415.89 | 55 | $663.87 | | 23 | $297.70 | 34 | $361.41 | 45 | $429.89 | 56 | $694.53 | | 24 | $297.70 | 35 | $363.79 | 46 | $446.56 | 57 | $725.50 | 14 |

Employee Cost Use this chart to find your current age and the monthly premium for Employee Only coverage. This is your cost after Ten Key’s employer contribution. Plan 3: S731ADT $6,850 Plan | Monthly Payroll | Plan 3: PPO $6,850 Plan (S731ADT) | | Deduction | Employee Premiums | | Age | Rate | Age | Rate | Age | Rate | Age | Rate | Age | Rate | | <15 | $83.86 | 25 | $110.06 | 36 | $134.84 | 47 | $171.35 | 58 | $279.33 | | 15 | $91.32 | 26 | $112.26 | 37 | $135.72 | 48 | $179.24 | 59 | $285.36 | | 16 | $94.17 | 27 | $114.89 | 38 | $136.59 | 49 | $187.02 | 60 | $297.52 | | 17 | $97.02 | 28 | $119.16 | 39 | $138.35 | 50 | $195.79 | 61 | $308.05 | | 18 | $100.09 | 29 | $122.67 | 40 | $140.10 | 51 | $204.45 | 62 | $314.95 | | 19 | $103.16 | 30 | $124.43 | 41 | $142.73 | 52 | $213.99 | 63 | $323.61 | | 20 | $106.34 | 31 | $127.06 | 42 | $145.25 | 53 | $223.64 | 64+ | $328.88 | | 21 | $109.63 | 32 | $129.69 | 43 | $148.76 | 54 | $234.05 | | 22 | $109.63 | 33 | $131.33 | 44 | $153.15 | 55 | $244.47 | | 23 | $109.63 | 34 | $133.09 | 45 | $158.30 | 56 | $255.76 | | 24 | $109.63 | 35 | $133.96 | 46 | $164.44 | 57 | $267.16 | Use this chart to calculate the monthly premium deduction for any dependents you wish to add to your plan. Premiums are age-rated and per person so you must look up your spouse’s age and each child’s age, then add all premiums together (including your premium for Employee Only coverage). For children, you are charged for the 3 oldest children only. | Monthly Payroll | Plan 3: PPO $6,850 Plan (S731ADT) | | Deduction | Dependent Premiums | | Age | Rate | Age | Rate | Age | Rate | Age | Rate | Age | Rate | | <15 | $167.73 | 25 | $220.13 | 36 | $269.68 | 47 | $342.69 | 58 | $558.65 | | 15 | $182.64 | 26 | $224.51 | 37 | $271.43 | 48 | $358.48 | 59 | $570.71 | | 16 | $188.34 | 27 | $229.78 | 38 | $273.19 | 49 | $374.04 | 60 | $595.05 | | 17 | $194.04 | 28 | $238.33 | 39 | $276.70 | 50 | $391.58 | 61 | $616.10 | | 18 | $200.18 | 29 | $245.34 | 40 | $280.20 | 51 | $408.90 | 62 | $629.91 | | 19 | $206.32 | 30 | $248.85 | 41 | $285.47 | 52 | $427.98 | 63 | $647.23 | | 20 | $212.68 | 31 | $254.11 | 42 | $290.51 | 53 | $447.27 | 64+ | $657.75 | | 21 | $219.25 | 32 | $259.38 | 43 | $297.52 | 54 | $468.10 | | 22 | $219.25 | 33 | $262.66 | 44 | $306.29 | 55 | $488.93 | | 23 | $219.25 | 34 | $266.17 | 45 | $316.60 | 56 | $511.51 | | 24 | $219.25 | 35 | $267.93 | 46 | $328.88 | 57 | $534.31 | 15 |

Employee Cost Dental & Vision | Monthly Deductions | DENTAL | VISION | | Employee Only | $9.25 | $1.74 | | Employee & Spouse | $28.25 | $5.74 | | Employee & Child(ren) | $36.75 | $4.32 | | Family | $52.75 | $8.32 | 16

Telehealth Visits MDLive Group #: 422893 Customer Service: 888-970-4081 www.MDLIVE.com/bcbsok Refer to the back of your Medical ID Card Medical Plans BlueCross BlueShield of Oklahoma Group #: 277569 Customer Service: 866-520-2507 www.bcbsok.com Refer to the back of your Medical ID Card Vision Plan The Standard Group #: SI0000962751 Customer Service: 800-547-9515 www.thestandard.com Dental Plan Delta Dental of Oklahoma Group #: 16311 Customer Service: 800-522-0188 www.deltadentalok.org Our Human Resources Department is always available to answer questions throughout the year, please contact: Quick Reference Benefit Contact Information Your Human Resources Department 17 Contact Info