Introduction 3 Cost of your benefits 4 Medical Coverage 5 Health Savings Account 6 Dental Plan 7 Vision Plan 8 Flexible Spending Accounts 9 Commuter Benefits 10 401(k) Plan 11 Life & Disability Coverage 12 Critical Illness Insurance 13 Employee Assistance Program (EAP) 14 Wellness 15 Additional Benefits 16 Health Plan Notices 21 COBRA 45 Contact Information 49 CONTENTS CLICK MENU ITEMS TO JUMP TO CONTENT 2 // 2026 Employee Benefit Guide