EMPLOYEE BENEFITS SUMMARY

MEDICAL INSURANCE
Following thirty days of employment, employees and their dependents are eligible for health insurance. DSET pays 90% of the cost for this coverage. Single coverage costs an employee $10.35 per pay (bi-weekly). The employee/child(ren) rate is $21.82 per pay. The employee/spouse rate is $24.17 per pay. Family coverage is $26.08 per pay. Coverage is through a PPO plan. As part of the BeechStreet network, an in-network doctor visit for routine care is only $15. There is an annual deductible of $100 per person with a family maximum of $300. Reimbursement after meeting the deductible will be at 90% if using in-network services and 70% if using out-of-network services. In areas where a network provider is not available, reimbursement is at 80%. DSET also provides wellness benefits up to $300 for adults and up to $500 for children (up to age 19) annually per person.

In lieu of medical insurance coverage, you also have the option to waive insurance coverage and receive an increase in your monthly gross pay of $100. Proof of other medical insurance coverage is required.
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PRESCRIPTION PLAN
Employees who elect medical coverage also qualify for the Company's prescription plan. Generic prescriptions are only $10, preferred drugs are $15 and non-preferred drugs are only $25 through pharmacies participating in the Express Scripts network.
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DENTAL INSURANCE
Following thirty days employment, employees as well as spouse and dependents are eligible to participate in our PPO dental plan administered through Delta Dental. DSET contributes 80% of the premium for employee participation. Monthly cost for employee coverage is $6.77. DSET contributes 50% of the premium for spousal and family participation. Monthly cost for employee plus one (spouse or child) is $20.00. Monthly cost for employee and family coverage is $38.62. There is 100% coverage for in-network preventive care, and following a $50 annual deductible, 100% coverage for in-network or out-of-network minor care, and 60% for in-network or out-of-network major care. The annual maximum benefit per person is $1,000. There is also a lifetime orthodontia benefit of $1,000 per child.
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VISION CARE
DSET employees are eligible to receive direct tax-free reimbursement from DSET for eye exams and eyeglasses / contact lenses. DSET will reimburse up to $50.00 annually for eye exams and up to $150.00 annually for eyeglasses / contact lenses. This benefit is offered to DSET employees only and not their dependents.
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LIFE INSURANCE
Employees are covered by life insurance at two (2) times salary with minimum coverage of $50,000.
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ACCIDENTAL DEATH AND DISMEMBERMENT (AD&D) Employees are covered by this insurance at two (2) times salary with minimum coverage of $50,000.
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BUSINESS TRAVELER ACCIDENT INSURANCE
When traveling on company business, employees are insured to a minimum of $50,000 for Life or AD&D Insurance. Employees in Sales are covered to $100,000.
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SHORT TERM DISABILITY (STD)
Employees are covered by state disability insurance, where available. In addition, the Company provides supplemental disability based on length of service. Details are provided in the DSET Employee handbook. Short-term disability begins on the eighth calendar day of a consecutive illness or injury and continues through 90 days.
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LONG TERM DISABILITY (LTD)
The Company provides a non-contributory income protection plan in the event of a long-term illness or injury. This plan provides the employee with 60% of base monthly earnings, to a maximum of $10,000 per month. Long term disability begins on the 91st day of a consecutive illness or injury.
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FLEXIBLE BENEFIT ACCOUNTS
The Company offers a flexible benefit plan that permits you to use your pre-tax dollars to help cover non-reimbursed healthcare expenses up to $5,000 per calendar year and dependent care expenses up to $5,000 per calendar year. This is handled through payroll deduction.
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HOLIDAYS
There are eight scheduled holidays each year as follows: New Year's Day, Memorial Day, Independence Day, Labor Day, Thanksgiving Day, Day after Thanksgiving Day, and Christmas Day. The company, on an annual basis, will determine the eighth scheduled holiday. Also, there is an additional floating holiday. In order to be eligible for the floating holiday in your first calendar year of employment, employees must be hired by June 30.
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PERSONAL DAYS
Employees earn up to 2 personal days per year. Employees on board as of January 1st will earn one personal day as of January 1st. Employees will earn another personal day as of June 30th. Personal days may be taken in half-day increments.
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VACATION DAYS
In the calendar year beginning each January 1st, employees with less than two and a half year's of service as of the start of the current calendar year, earn one vacation day for each full calendar month worked to a maximum of 10 days vacation, accrued at the rate of one day for each full calendar month worked. New hires, in their first calendar year of employment, earn one vacation day for each full calendar month worked to a maximum of 10 days vacation, accrued at the rate of one day for each full calendar month worked. (As an example, a new hire that starts June 10th will earn a total of 6 vacation days (for working the full six months of July through December).

Employees with two and a half years of service up to five years of service, as of the start of the current calendar year, earn 12 vacation days per year, accrued at the rate of one day for each full calendar month worked. Employees with five to ten years of service, as of the start of the current calendar year, earn 15 days per year, accrued at the rate of one and one half days for each full month of service, to a maximum of 15 days. Employees with ten or more years of service, as of the start of the current calendar year, earn 20 days per year, accrued at the rate of two days for each full calendar month worked. Employees promoted into a higher vacation category will have additional days prorated from date of the promotion. Vacation days may be taken in half-day increments.
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SICK DAYS
Exempt employees will be paid for time lost due to illness, up to the point that an employee qualifies for short term or long term disability. Non-exempt employees qualify for up to six paid sick days per year, accrued at the rate of one-half day for each month of service. These days may be carried over, but there is no cash out value to them.
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401k PLAN
The DSET 401k plan allows employees to save 1% to 15% of base pay on a pre-tax basis. You are eligible for participation the first of the month following 90 days of employment. The company will match 60 cents for each $1.00 you contribute up to the first 5% of employee contributions. Vesting begins on your first anniversary and the schedule is 25% each anniversary, with 100% vesting on the fourth anniversary. Following four consecutive years of plan eligibility, all future contributions by DSET are immediately vested at 100%. Employees can contribute up to $11,000 annually.
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TUITION REIMBURSEMENT
All employees are eligible to be reimbursed for college level courses relating to the employee's job. Reimbursement is at a maximum of $2,500 annually to include tuition, registration, lab fees and books. There is no individual semester cap other than the $2,500 annual cap. Employees are also eligible to attend seminars and appropriate training courses.
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EMPLOYEE REFERRAL PROGRAM
If an employee refers a candidate who is subsequently hired, the employee will receive an Employee Referral Reward. The award is paid at the time of hire of the referral. If a referral is hired into a manager-level position, account management or a technical position, the employee will receive $2,500. If the referral is hired into an administrative position, the employee will receive $1,000. All employees are eligible to participate in this program with the exception of Officers and the Human Resources Department. An employee who refers a candidate will not be eligible for a referral reward if the candidate is hired as a direct report.
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PERMANENT RESIDENCY SPONSORSHIP
Employees on H-1 status are eligible for permanent residency sponsorship by DSET. DSET pays the attorney's fees for this process, using a company-designated attorney.
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LEGAL SERVICES PLAN
A voluntary, employee paid legal services plan is available for $14.95 monthly, payable through payroll deduction. The plan covers you as well as your spouse and qualified dependent children. The provider is Pre-Paid Legal Services, Inc. This benefit addresses the expensive legal problems that you and your family can experience from time to time. The plan provides unlimited telephone consultation on any legal matter, and assistance with many other common legal concerns such as: divorce and post divorce related matters, creditor harassment, traffic tickets (including your teenagers and college kids), defective consumer products, real estate transactions, law suits, last will and testament, IRS tax issues and audits.
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EAP (EMPLOYEE ASSISTANCE PROGRAM)
Available to all employees, spouses and dependants and completely paid for by the company is a voluntary, confidential employee benefit that provides referral and short-term counseling service. This service can help individuals handle personal concerns constructively, before they become major issues. Call ComPsych, our EAP provider at the toll-free number (1-800-272-7255). Phone counseling may be followed up by a face-to-face meeting in your area with an Employee Assistance Counselor, who may determine that your concerns can best be met through short-term counseling (also provided by the EAP). If your situation requires other types of treatment outside EAP, your counselor will coordinate this with your mental health managed care provider.
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CHILD / ELDER CARE REFERRAL SERVICE
A confidential and comprehensive child, elder and adult care consultation and referral service completely paid for by the Company and administered by Work & Family Benefits, Inc. Expert counselors do all the research to find real solutions to a family's needs, as well as provide educational materials. A customized referral packet is provided to individuals within 48-72 hours of phone contact. This packet includes profiles of available caregivers, guidebooks with specific questions, checklists, notes, and other information specific to the employee's situation.
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AFFINITY CREDIT UNION
Employees are eligible to become members of the Affinity Credit Union. Savings and checking accounts as well as personal loans, direct deposit and other services are available to members. Information regarding their services may be obtained through Human Resources.
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DIRECT DEPOSIT
Direct deposit is available through banking institutions. To elect direct deposit of wages, complete the appropriate form in the orientation folder. For additional forms or information, contact Human Resources.
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DISCOUNT TICKETS AND MEMBERSHIPS
Discount tickets are available for Great Adventure, Broadway theaters, and other assorted attractions. Check the bulletin boards in the employee cafeteria for more information and brochures or contact Human Resources. Employees can also purchase discounted memberships at COSTCO, BJ's and Sam's Club. See Human Resources for membership forms.
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SPECIAL EVENTS
Special events such as company picnics, a holiday party, and various Company-sponsored activities are held periodically to recognize commitment and effort and to provide an opportunity for recreation and teamwork. Employees are encouraged to participate in these activities, and where possible, to include their family.
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NOTE: Part-time employees are eligible for certain benefits listed. Contact the Human Resources Department for further information.

NOTE: This brochure highlights only the basic provisions of specific benefits programs. Each of these programs is subject solely to the provision of its own plan documents or policies. All benefits are subject to change at any time.