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Benefits

Eligibility

Regular full-time employees are eligible for medical, dental, spending accounts and life insurance benefits on the first day of the month following their date of hire.  A “full-time” employee is one who is regularly scheduled to work 40 hours or more per week.  Unless required by law or otherwise specified, part-time, temporary and union employees are not eligible for benefits.  Employees’ eligible dependents are also covered by the medical and dental plans, if enrolled.  Employees must enroll within 31 days of their eligibility date; otherwise they will not be able to enroll until the next open enrollment date of July 1.  Pre-existing medical conditions are covered under the HMO plan.  There is limited coverage for pre-existing medical conditions under the PPO plan.

Medical

The Company offers a choice of two plans through Aetna – Health Maintenance Organization (“HMO”) and Open Access Managed Choice. The Company pays the entire cost of the HMO plan for employees and contributes towards the cost of dependents in both plans.  Employee contributions to these plans are made on a pre-tax basis.

Dental

The Company offers a choice of two plans through Delta Dental – a preferred option (“DPO”) and a prepaid HMO option (“PMI”).  The Company pays the entire cost of the PMI plan for employees and contributes towards the cost of the DPO plan and for dependents.

Flexible Spending Accounts

Employees may make pre-tax contributions to a Health Care Spending Accounts that will reimburse them for eligible expenses not covered by any health plans.  Eligible childcare expenses may also be reimbursed from pre-tax contributions to a Dependent Care Spending Account.

Life Insurance

Employees receive Life and Accident insurance benefits under two plans:

Carrier:
Aetna Life Insurance Company
$10,000 - Life Insurance
$10,000 - Accidental Benefits
(Benefits are reduced beginning at age 65)

Carrier:
GUARDIAN LIFE INSURANCE COMPANY
$20,000 - Life Insurance
$30,000 - Accidental Benefits
(Benefits are reduced at age 70)

The Company pays the entire cost of these benefits.  Dependents are not eligible for Life and Accident Insurance benefits.  The Accident Insurance benefit covers injuries, including death, that result from an accident; benefits are also payable for the loss of specified limbs, sight and hearing..

Holidays

There are seven (7) recognized Company paid holidays:

• New Year's Day
• Memorial Day
• Independence Day
• Labor Day
• Thanksgiving Day
• Day after Thanksgiving
• Christmas Day

Vacation

During the orientation period of six months, employees earn no vacation benefits. Upon completion of the orientation period, employees accrue vacation benefits at the rate of five (5) working days for each six months of active service. Beginning the fifth year of active service, employees accrue vacation at the rate of five (5) working days for each four months of active service.

Sick Leave

Following the completion of the orientation period of six (6) months, employees receive paid sick days at the rate of four (4) hours per month up to a maximum of five (5) days.

Retirement Savings Plan 401 (K)

Regular non-union employees are eligible to participate in the Tutor-Saliba Retirement Savings Plan (“401k”) as of their date of hire.  Subsequent plan entry dates are anytime during a calendar quarter.  Employees may contribute up to 50% of eligible pay on a pre-tax basis, subject to the annual maximum amount established by the IRS.  The Company matches 30% of the first 10% of an employee’s contributions; contributions in excess of 10% and after-tax contributions are not matched.  Employees vest in the Company’s contributions over a five-year period following the date of hire.  The plan is administered by Fidelity Investments and offers a wide-range of investment options, which can be changed at any time.

Complete details on the above program will be available upon request.