FOR SAFER, SMARTER LIFESTYLES

2017 BENEFITS & BEYOND

Delivering innovations to protect

your income, health and future
1

Note from
from Jeff
Note
JeffKiesel,
Kiesel,CEO
CEO
Restaurant Technologies is dedicated

Benefits at Restaurant Technologies are so

to delivering value to every employee.

much more than just medical plan options,

That is why we work diligently to create a

and reach far beyond your physical health.

comprehensive benefits program for you

We focus on five components of well-being,

and your family. Delivering innovations to

encompassing a variety of our healthcare

protect your income, health and future is

and employee assistance resources.

more than a slogan it is our commitment

Our emphasis on wellness will have a far

to you. Restaurant Technologies has

reaching impact beyond your workday.

continued to take steps to make

We care about our employees and our

healthcare more affordable for

supplemental benefit options and

you and your family, and

wellness efforts are another

were eager to share our

way for us to help our team

enhancements in

win as we continue to

this guide.

build a great company.

Our Benefits and Wellness programs were

implemented because we care about
our companys most valuable asset, our
employees.

Table of Contents
Note from Jeff Kiesel

pg. 2

Life Insurance

pg. 11

Enrolling in your Benefits

pg. 3

Disability Insurance

pg. 11

Benefit Eligibility

pg. 4

Additional Benefits

pg. 12

Medical Coverage

pg. 5

Employee Assistance Program

pg. 12

Know Where To Go

pg. 6

401(k) Retirement Savings Plan

pg. 13

What Do You Have?

pg. 7

Vitality Wellness Portal

pg. 14

Health Savings Account

pg. 8

Social Engagement

pg. 14

Flexible Spending Account

pg. 9

Fitness and Nutrition

pg. 15

Dental Coverage

Pg 10

Mental Well-Being

pg. 15

Vision Coverage

pg. 10

Additional Programs

pg. 16

ADPPORTAL
PORTAL
ADP
Available 24 hours a day, 7 days a week.

https://workforcenow.adp.com

Annual Enrollment

Take Action:

Enroll Online (ADP)

November 6th - November 19th

Go to: https://workforcenow.adp.com
Click on Myself > Benefits > Enrollments >
New Hire > START

Benefit Support Center

Phone: (844) 535-5694

Email: hrservicesemployee@adp.com
(employees/managers)
Specific plan information and documents
are located on the ADP Home Page

IF YOU DONT TAKE ACTION

YOUR 2016 ELECTIONS WILL ROLL TO 2017

YOU MUST RE-ENROLL FOR

FLEXIBLE SPENDING ACCOUNTS

After you complete and submit your benefit election, you will see a message that you have successfully completed
your enrollment. You may then print your Benefit Statement. Call or email the Benefits Service Center to interact
directly with a benefits representative at (844) 535-5694 or hrservicesemployee@adp.com if you have questions.
3

Benefit
Eligibility
Benefit Eligibility

||

Restaurant Technologies offers a comprehensive suite of benefits to promote health and financial security for
you and your family. This booklet provides you with an overview of your 2017 benefits. Please review it carefully so
you can choose the coverage thats right for you.

FULL-TIME EMPLOYEES

Qualified dependents are:

CHANGES

Employees working at least 30 hours per

Spouse (you may be required to

At the conclusion of your enrollment

week are eligible for benefits on the first

provide a marriage license).

period, your benefit choices will be locked

day of the month following 30 days of

Children, up to age 26 (natural

until the end of the calendar year, unless

employment. (Example: if you are hired on

born, adopted, and stepchildren).

you have a qualifying life event such as

August 7, you will be eligible for benefits on

October 1).

the birth of a child, divorce, or marriage.

PART-TIME EMPLOYEES

Life events must be reported to your

Employees working less than 30 hours

Benefit Support Center within 30 days to

Your qualified dependents are also

per week are eligible to enroll in the

enroll in or change benefits. Insurability

eligible for benefits at the time you

401(k) retirement plan on the first

requirement applies outside initial

enroll for benefit coverage.

day of the month following 30 days of

eligibility period for life and short-term

employment. (Example: if you are hired on

disability benefits.

August 7, you will be eligible on October 1).

Benefit

Who Pays

Tax Treatment

Dental Coverage

RT & You

Pretax

Health Savings Account

RT & You

Pretax

Dental Coverage

RT & You

Pretax

Vision Coverage

You

Pretax

Basic Life and Accidental Death

Dismemberment (AD&D) Coverage

RT

NA

The Shared
Investment in
Your Benefits
Restaurant Technologies covers 100%

Supplemental Life Insurance

You

After-tax

Short-Term Disability Coverage

You

After-tax

Long-Term Disability Coverage

RT

After-tax

Flexible Spending Accounts

You

Pretax

Wellness Program

RT

NA

Voluntary Accident, Whole Life

and Critical Illness

You

After-tax

RT & You

Pretax & Roth

401(k) Retirement Savings Plan

of the cost of many of your benefits and

some benefit costs are split between
you and Restaurant Technologies. All
voluntary benefits are paid 100% by you.
For more information about your
benefits, contact ADPs Benefit Support
Center at 844-535-5694
or by email at
hrservicesemployee@adp.com

Medical Coverage

||

Restaurant Technologies offers a choice of medical plan options through Blue

Cross Blue Shield of Minnesota. Each plan includes comprehensive health care
benefits, including coverage for prescription drugs and free preventive care services. This
year, there are no changes to your premiums. New in 2017, you will see reduced office and
urgent care copays for the PPO Plan, and the addition of Value Based medical services and
prescription coverage on both plans for specific conditions.

Plan Provisions

$750 / $2,250 Deductible

PPO Plan
In-Network

Annual Company Contribution

to HSA

Out-of-Network

$2,600 / $5,200 Deductible

Consumer Driven Health Plan (CDHP)
In-Network

Out-of-Network

Single: $500
Single + Spouse: $750
Single + Child(ren): $750
Family: $1000

Not applicable

Annual Deductible (Individual / Family)

$750 / $2,250

$1,500 / $4,500

$2,600 / $5,200

$4,500 / $9,000

Medical Out-of-Pocket Maximum

$3,000 / $6,000

$4,000 / $8,000

$4,000 / $8,000

$8,000 / $16,000

Prescription Out-of-Pocket
Maximum

$3,350 / $6,700

Included in medical out-of-pocket maximum

Unlimited

Unlimited

Lifetime Maximum
Preventive Care

100% Covered

No coverage

100% Covered

No coverage

$25 copay

40% after deductible

20% after deductible

40% after deductible

Inpatient Hospital Services

20% after deductible

20% after deductible

20% after deductible

40% after deductible

Outpatient Hospital Services

20% after deductible

40% after deductible

20% after deductible

40% after deductible

$25 copay

40%after deductible

20% after deductible

40% after deductible

Office Visit

Urgent Care
Emergency Room Care

20% after deductible

Retail Prescription Drugs (30 day supply)

*Prescriptions that qualify in the Value Based Program are covered at 100%

Generic

$15 copay

Brand Preferred

$35 copay

Brand Non-preferred

$60

In-network copay plus

amounts that exceed
the allowed amount

20% after deductible

20% after deductible

20% after deductible

20% after deductible

plus amounts that
exceed the allowed
amount

20% after deductible

Mail Order Prescription Drugs (90 day supply)

Generic

$30 copay

N/A

20% after deductible

N/A

Brand Preferred

$70 copay

N/A

20% after deductible

N/A

$120

N/A

20% after deductible

N/A

Without Wellness
Incentive

With Wellness
Incentive

Without Wellness
Incentive

With Wellness
Incentive

Brand Non-preferred

Employee Contributions
Per Pay Period

*See page 14

*See page 14

Single

$107.82

$ 84.75

$43.62

$20.54

Single + Spouse

$226.47

$203.39

$120.15

$97.07

Single + Child(ren)

$207.98

$184.91

$115.53

$92.45

Family

$294.26

$ 271.19

$141.21

$118.13

Know Where To Go
Service

Emergency Estimated
Level
Cost

When Should I use?

Employee Assistance Program (EAP)

For counseling services (child, elder care, alcohol

& drug dependency, financial & legal concerns,
depression, etc.)

Nurse Advice Line

For questions about common ailments and to help you

choose your medical assistance: home self-care, PCP,
urgent care, ER

Doctor on Demand

To determine severity of a condition and/or to obtain

a prescription for a reoccurring condition

!!

Retail Health Clinic

Use to treat common illnesses at a reduced price;

available extended hours and no appointment
needed and outside standard business hours

!!

$$

Primary Care Physician (PCP)

Necessary for symptoms lasting more than 48hrs,

usually available during standard business hours

!!!

$$

Urgent Care

For non-life-threatening conditions when PCP is

unavailable

!!!!

$$$

Emergency Room (ER)

For severe or life threatening conditions

!!!!!

$$$$$

Time
Commitment

24-HOUR NURSE ADVICE LINE

PRIME MAIL PRESCRIPTION

(medical plan participants)

(medical plan participants)

When you need help knowing what to do about your symptoms or

Prescription drugs can be expensive. Save time and money with

other health concerns, the 24-Hour Nurse Advice Line is your go-

90day Rx for your long-term medications. This plan feature lets

to, anytime day or night. They can help you determine what home

you take advantage of special discount pricing when your doctor

self-care remedies can be used or help you determine which

prescribes a three-month supply. Choose to visit a participating

medical assistance is appropriate. To reach the 24-Hour Nurse

pharmacy or have your prescriptions mailed directly to your

Advice Line, call (800) 622-9524.

home. For more information, visit www.bluecrossmnonline.com.

DOCTOR ON DEMAND

EMPLOYEE ASSISTANCE PROGRAM (EAP)

Looking to see a doctor without an appointment and from the

Refer to Page 12 of this guide.

convenience of your own home or on-the-go? Common conditions

BEST DOCTORS

can be treated faster and cheaper than a visit

*See Page 7

to a doctors office. Appointments are $45, and HSA dollars

Second Opinions. Diagnosis Review. Treatment Options.

may be used to cover the cost. Employees enrolled in the

If you or an immediate family member has received a

PPO Plan will receive their visits for free! Visit

www.doctorondemand.com, call (800) 997-6196.

diagnosis you want to learn more about or would like alternative

RETAIL HEALTH CLINIC

across the country get the best care possible. All services are

treatment options, Best Doctors has helped individuals

100% confidential and always completely free for Restaurant

A lower cost option for common illnesses is a retail health clinic.

Technologies employees and their families. Call (866) 904-0910

Compared to a traditional medical clinic, the average

or visit members.bestdoctors.com.

cost is about half, and they are open for extended hours
with no appointment needed. Look for these clinics in grocery
stores, pharmacies and discount stores. Employees enrolled in the
PPO Plan will receive their visits for free!

What Do You Have?

Service

When Should I use?

Cost

How do I start?

Value Based Benefits

100% coverage for qualified evidence-based

procedures and prescriptions with a diagnosis of
diabetes, high blood pressure or high cholesterol

Free

Schedule the appointment and order the

prescriptions you need to manage your condition

OMADA

Interactive online program that helps reduce the risk of

type 2 diabetes and heart disease

Free

Take the eligibility survey and enroll at:

www.omadahealth.com/bcbsmn1.

Standard Care Management

Coaching that provides employees with high cost or

complex conditions the support to make informed
decisions

Free

Look for a direct call, interactive voice-recognition

call, or home mailer from BCBS to engage you with
a coach

Enhanced Smoking Cessation

Support

Online, telephonic or text-based coaching and plan to

assist with tobacco cessation

Free

Visit www.quitnow.net/StopSmokingSupport to
enroll

Gym and Fitness Center

Discount

Reduced monthly gym fees when you visit 8 or more

times a month

Free

Check the gym network at

www.bluecrossmnonline.com to see if yours
qualifies, and enroll if eligible

Smart Select Transparency

Cost comparison tool for healthcare services and

prescriptions

Free

Sign up in your account at

www.bluecrossmnonline.com to receive alerts

*Best Doctors

Second opinions and medical advice for employees

facing medical uncertainty

Free

Visit members.bestdoctors.com to select the right

support for your needs

VALUE BASED BENEFITS

ENHANCED STOP SMOKING SUPPORT

(medical plan participants)

(medical plan participants)

You dont have to skimp on your medicine, supplies or lab to

BlueCross and BlueShield provides programs such as Web Coach

control diabetes, high blood pressure and high cholesterol

online, telephonic coaching or texting. They will help develop

because BlueCross and BlueShield health plan now gives you 100

and execute a personalized plan. Medication that is part of the

percent coverage when visiting in-network providers. This includes

treatment plan is covered. You can call (888) 662-BLUE or visit

current evidence-based protocols for X-rays, labs and drugs.

www.quitnow.net/StopSmokingSupport.

OMADA

GYM AND FITNESS CENTER DISCOUNT

(medical plan participants)

(medical plan participants)

This new online program helps you reduce your risk of type 2

Get rewarded for going to the gym! Employees who visit a

diabetes and heart disease. This 16 week program includes a free

participating gym or fitness center eight or more times a month

wireless smart scale, full-time health coach to keep you on track

can receive a credit up to $20 per month on your membership

weekly online lessons, and a small virtual group of participants

dues.

(may or may not be other Restaurant Technologies employees) for

real-time support. To get started, take the survey at

Visit www.bluecrossmnonline.com for details on how to sign up

www.omadahealth.com/bcbsmn1 and enroll if youre eligible!

and start saving today!

STANDARD CARE MANAGEMENT

SMART SELECT TRANSPARENCY

(medical plan participants)

(medical plan participants)

When dealing with a high cost or complex medical condition,

You already do cost comparison for most of your other shopping, now

this plan feature provides personalized guidance from a trusted

theres a tool to help you do the same for your health care services

source, most often a registered nurse, so you can make informed

and prescriptions. Login to your www.bluecrossmnonline.com

choices about your health and well-being. By supporting you

account to access your personal savings dashboard and use the

between office visits and reinforcing physician treatment plans,

cost lookup tool to start saving!

health coaches help you stay on track with your health goals.

Health Savings Account

(Consumer Driven Health Plan)

The Health Savings Account (HSA) is only available if you are enrolled in the Consumer
Driven Health Plan (CDHP). Contributions to an HSA can be used for medical
expenses for you and your dependents, even if those dependents are not covered
under your health insurance plan. Contributions are made pre-tax and earn interest,
just like a regular savings account. *IRS dependent child age limit is 24.
HSA funds are tax-free if the money is used for medical expenses. Health Savings
Account dollars roll over year to year. Contributing to an HSA is a great way to pay
for medical expenses. (However, there are federal limits on how much may be
contributed.) Restaurant Technologies helps you fund your Health Savings Account.

HSA Contribution
Commitment
Restaurant Technologies will
match your HSA contributions
dollar for dollar, up to the
specified maximums. In order
to receive free HSA money,
you must make a contribution
to an HSA.
NOTE:
If you enroll in the CDHP
only and waive HSA Plan
participation, you will
not receive additional
contributions from
Restaurant Technologies

Coverage
Tier

Restaurant
Technologies
Contribution

Maximum Amount
You May Contribute

Total Contribution
Limit Set by IRS

Single

$500

$2,900

$3,400

Single + Spouse

$750

$6,000

$6,750

Single + Child(ren)

$750

$6,000

$6,750

Family

$1000

$5,750

$6,750

$0

$1,000

$1,000

Catch up contribution
if age 55+

MEDICAL COVERAGE SPEND EXAMPLE

SINGLE TIER IN CDHP:

OUT-OF-POCKET COSTS BY PLAN COMPARISON

MINIMUM EMPLOYEE HSA CONTRIBUTION OF $500

MAXIMUM EMPLOYER CONTRIBUTION OF $500

Service:
In-Network
providers
Routine
Physical and
Lab Tests

Billed
Claims

Your Cost PPO Plan

Your Cost CDHP

PPO Plan

CDHP

Your HSA Contribution

N/A

$500

RTs HSA Contribution

N/A

$500

Total HSA Funds

N/A

$1,000

$350

$0

$0

Office Visit

$150

$25

$150

Prescription
Drugs:
2 Inhalers

Your Annual Premium

Contributions with
Wellness Incentive

$200

(Two $35
copays)

$200

Your Total Expenses

Total Claims
Expense

$700

$95

$350

HSA Funds Remaining

(Covered 100%)

$70

Your Claims Expense

(Premiums, Out of Pocket

Claims, HSA Contribution)

(use for other qualified

medical expenses)

$95

$350

(Paid tax-free from HSA)

$2,203

$534

$2,298

$1,034

N/A

$650

Flexible Spending Account

Contributing to a Flexible Spending Account (FSA) is an easy

calendar year, and funds can be used throughout the year

way of getting a tax break on your medical expenses. The

to pay for any medical expenses. Here is a brief description

money comes out of your paycheck each pay period pre-tax.

of the two types of FSAs.

The full balance of the FSA is available at the start of the

Account Type

Eligible Expenses

Contribution Limits

Benefit

Maximum contribution is $2,600 per year

Health Care FSA

Most medical*, dental and vision care

expenses that are not covered by your
health plan (such as copayments,
coinsurance, deductibles, eyeglasses
and doctor-prescribed over the counter
medications)

If you have unused dollars remaining

at the end of the plan year, you may
carryover up to $500 into the following
plan year.

Reduces your
taxable income

Dependent Care FSA

Dependent care expenses (such as day

care, after school or elder care programs)

Maximum contribution is $5,000 per year

($2,500 if married, filing separate)

Reduces your
taxable income.

Take a look at how contributing to an FSA is a smart financial decision:

EXAMPLE: Account Type

Your taxable income
Pre-tax contribution to Health Care and
Dependent Care FSA
Federal and Social Security Taxes
After-tax dollars spent on eligible expenses
Spendable income after expenses and taxes
Tax savings with the Health Care and
Dependent Care FSA

With FSA

Without FSA

$50,000

$50,000

$2,000

$0

$11,701

$12,355

$0

$2,000

$36,299

$35,645

$654

N/A

With an FSA, the money you

contribute is NEVER TAXED - not
when you put it in the account,
not when you are reimbursed by
the funds from the account and
not when you file your income tax
return at the end of the year.
*If contributing to a HSA, you may only
use the Health FSA for vision and dental
expenses and medical expenses incurred
AFTER your deductible has been satisfied.

Note: If you contribute to a HSA, you may only use the Limited Health FSA

IMPORTANT INFORMATION
It is very important to only contribute
a necessary amount because you will
only be able to carry over $500 into the
next year. After December 31, 2017, all
money beyond $500 left in your FSA
will be forfeited. This is known as the
use it or lose it rule and is governed
by the IRS.

CLAIMS
The amount you elect to contribute
to your FSA will be available January
1, 2017. Requests for FSA eligible
expense reimbursement must be
submitted by March 31, 2018

YOU MUST ENROLL

FSA elections do not automatically
continue from year to year; you
must enroll each year.

DEBIT CARDS
SelectAccount will send you a debit
card after enrolling in an FSA.
This card can be used just like a regular
bank debit card at pharmacies, doctors
offices, and medical facilities, but can
only be used for medical expenses.

Dental Coverage
Preventive dental care is essential in keeping your teeth and

Restaurant Technologies offers

gums healthy, and avoiding the need for major dental work.

a Dental Plan that utilizes the

Restaurant Technologies dental plan focuses on preventing

Delta Dental of Minnesota PPO

costly dental expenses. Keep your smile looking good and

network and the Delta Dental

your teeth pain-free by getting an annual checkup.

Premier network.
In addition, benefits are also

Plan Provisions

Delta Dental PPO

Network

Delta Dental
Premier Network

Out-of-Network

Annual Deductible
(Individual / Family)

$50 / $150
(does not apply to
preventive or ortho)

$50 / $150
(does not apply to
preventive or ortho)

$50 / $150
(does not apply to
preventive or ortho)

Annual Benefit Maximum

$1,500 per person

$1,500 per person

$1,500 per person

Diagnostic and Preventive

100%

100%

100%

Employee Contributions
Per Pay Period

Basic Services

80%

80%

80%

Single...............................$3.26

Major Services

50%

50%

50%

50% up to $1,000
lifetime maximum

50% up to $1,000
lifetime maximum

50% up to $1,000
lifetime maximum

Orthodontic Services

available if you go outside of

the networks, but may require
additional out-of-pocket costs
from you.

Single + Spouse..............$6.23
Single + Child(ren)..........$7.06
Family..............................$10.03

Vision Coverage
Benefit

In-Network

Out-of-Network

$25 copay

Up to $30

Up to $40
10% off retail price

N/A
N/A

Exam and Lense Frequency

Once every 12 months

N/A

Frame Frequency

Once every 24 months

N/A

$0 copay; $130 allowance; 20% off

balance over $130

Up to $65

Single Vision Lenses

$25 copay

Up to $25

Bifocal Lenses

$25 copay

Up to $40

Trifocal or Lenticular Lenses

$25 copay

Up to $60

Standard Progressive

$25 copay

Up to $55

Premium Progressive

$25 copay; 80% of charges

less $120 allowance

Up to $55

100% coverage

Up to $200

$0 copay; $130 allowance

Up to $104

$0 copay; $130 allowance;

15% off balance over $130

Up to $104

Exam
Contact Lens Fit and Follow Up
Standard
Premium

Frames

Medically Necessary Contact

Lenses (in lieu of eyeglass lenses)
Conventional Contact Lenses
(in lieu of eyeglass lenses)

Disposable Contact Lenses

(in lieu of eyeglass lenses)

Restaurant Technologies vision

plan through EyeMed provides
coverage for eye exams and a
portion of the cost of glasses or
contact lenses.
Additional discounts from innetwork providers are available
for laser vision correction,
additional pairs
of eyeglasses, and more.

Employee Contributions
Per Pay Period
Single...............................$2.62
Single + Spouse..............$4.98
Single + Child(ren)..........$5.95
Family..............................$7.95

10

Life Insurace
Life insurance is a necessary way of protecting your family from financial hardship due to an
untimely passing. Accidental Death & Dismemberment (AD&D) insurance is designed to provide a
benefit in the event of accidental death or dismemberment. Restaurant Technologies provides a
flat amount of $50,000 of Basic Life and $50,000 of AD&D Insurance to all eligible employees at no
cost to you.

SUPPLEMENTAL LIFE INSURANCE

Additional life insurance is available for you, your
spouse, and/or your children. This voluntary benefit
is 100% employee paid. Here are the details of the
Voluntary Life Insurance benefit:
Employee: Up to five times your annual salary, with
a maximum of $500,000. (Example: employee annual
salary is $50,000, maximum benefit is $250,000).
Spouse: Up to 100% of the employee-elected amount,
maximum of $500,000. *Spouse Coverage ends age 70.
Child(ren): A flat amount of $1,000 from live birth to age
6 months; or increments of $2,000 up to a maximum of
$10,000 for ages 6 months to 26 years old. Dependent
Child monthly life rate premium is $0.30 per $1,000

Disability Insurace

SUPPLEMENTAL LIFE PREMIUM RATE SCHEDULE

Employee Age-Based
Monthly Rate per $10,000

Spouse Age-Based Monthly

Rate per $5,000

Employee
Age

Rate

Spouse Age

Rate

Under 30

$0.64

Under 30

$0.52

30 34

$0.75

30 34

$0.53

35-39

$1.12

35-39

$0.75

40-44

$1.76

40-44

$1.07

45-49

$2.80

45-49

$1.68

50-54

$4.45

50-54

$2.62

55-59

$6.84

55-59

$4.00

60-64

$10.67

60-64

$6.86

65-69

$18.52

65-69

$11.72

70-74

$33.06

75 and over

$64.78

SHORT TERM AND LONG TERM DISABILITY INSURANCE COVERAGE AND COSTS

Unforeseen illnesses and injuries happen, especially away from work. In order to help you prepare for
the unexpected, should it occur, Restaurant Technologies is offering high-quality disability insurance to
protect you and your family financially in the event of an injury or illness that prevents you from working.

VOLUNTARY SHORT-TERM DISABILITY

Employee pays 100% of premium

60% of weekly earnings up to $1,000 per week

Benefits may be paid after 7 days of illness or injury

Maximum benefit period of 12 weeks

SHORT-TERM DISABILITY PREMIUMS

HOW MUCH YOUR

COVERAGE WILL COST

Age

Cost per $10 of

Weekly Benefits

Under 25

$0.32

program is paid for by you.

25-34

$0.34

Use this chart to help you

LONG-TERM DISABILITY

35-39

$0.32

Restaurant Technologies pays 100% of premium

40-49

$0.40

60% of monthly earnings up to $6,000 per month

Benefits may be paid after 90 days of disability

50-54

$0.49

Pre-existing condition limitation may apply

55-59

$0.65

* 60% * 0.32 (age 35-39) / 10

60-64
Maximum benefit period is up to your Social Security
65 & Over
Normal Retirement Age

$0.80

= $9.60 per month

Pre-existing condition limitation may apply

11

$0.85

The cost of this insurance

calculate the amount of your

age group.

Example: $500 weekly gross

Additional Benefits
||

You work hard for your paycheck, but it can be hard to budget for lifes
unexpected emergencies. Restaurant Technologies offers additional benefits
through UNUM. It can help protect your finances from the uncertainty of the
future and give you peace of mind. The following benefits are available to eligible
employees on a voluntary basis, and are paid for by the employee.
Whole Life: Whole Life Insurance can pay money to your loved ones if you die. But it also offers additional value: a
living benefit. If you are diagnosed with a terminal illness and have a life expectancy of one year or less, you can request
some or all of the death benefit while you are living. Whole Life Insurance premiums wont increase with age, and your
policy can build cash value over time. You can use the cash value later in life to buy a smaller, paid-up policy with no
more premiums due.
Accident: With the high cost of medical care today, a trip down the stairs can hurt your bank account as much as your
body. Accident Insurance can pay you money based on the injury and the treatment you receive, whether its a simple
sprain or something more serious like a broken bone. Your plan can pay benefits for emergency room treatment,
stitches, crutches, injury-related surgery and a list of other accident-related expenses. The money is paid directly to you
and you decide how to spend it. You can also purchase coverage for your spouse and dependent children.
Critical Illness: Whats a critical illness? Heart attack and stroke are a couple common examples. This coverage also
includes serious conditions like permanent paralysis, and some policies can provide coverage for cancer. Treatment
for these conditions can be very expensive, so Critical Illness Insurance can help by paying a lump sum directly to
you at the first diagnosis of a covered condition. You decide how to spend the money, and you can also purchase
coverage for your spouse. Dependent children are automatically covered at 25% of your benefit amount. ($75 wellness
reimbursement per calendar year for each insured)
During Annual Enrollment, you may elect these voluntary benefits directly from the provider. To apply, contact UNUM at
888-847-0926 Monday - Friday from 7am to 7pm CST, November 14th - 18th, 2016.

Employee Assistance Program (EAP)

Cigna Behavioral Health
The Employee Assistance Program (EAP) is a fantastic service that we strongly encourage you to
consider. This program is in place to assist our employees and families with child care, senior care,
parenting issues, summer care, special needs, pet care, adoption, education, legal, identity theft,
prenatal care, consumer tips, mental health, addiction and recovery, aging issues and more.

Financial Services and Referral

The Cigna EAP provides a 30-minute free phone consultation with a qualified specialist on issues
such as tax preparation, debt counseling and planning for retirement. The program also provides
25% off tax preparation. All information discussed is protected and remains confidential with
Cigna. This service is available 24/7.

Cigna Behavioral Health can be reached via telephone at 1-877-622-4327

or online at www.cignabehavioral.com (employer ID: restauranttechnologies).

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401(k) Retirement Savings Plan

Restaurant Technologies wants to help you plan for your retirement with a 401(k) retirement savings plan.
Every dollar counts when you are saving for retirement regardless of where you are in the journey. Starting at a young
age, you can steadily build wealth by taking advantage of tax-deferred growth over a longer period of time. If you are 50
or older, you can take advantage of making a catch-up contribution which allows you to put away an additional $6,000 into
your 401(k) plan.
For example, a contribution of $100 a month to a 401(k) plan can grow to $52,093 in 20 years, (based on a 7% rate of
return). So, a total contribution of $24,000 turns into $52,093. Returns may vary, but its easy to see how your money
grows over time.

How it Works

Vesting

You determine how much you want to contribute each

Vesting refers to your right of ownership to the money in

pay period. The money is taken out of your check pre-tax,

your account. You are immediately 100% vested in your

up to IRS limits. If you are 50 years of age or older, (or if

payroll contributions and the earnings they generate.

you will reach age 50 by the end of the year), you may

Employer matching contributions are subject to the

make a catch-up contribution in addition to the normal

following vesting schedule:

IRS annual limit.

Employer Match

Years of Service

Vesting Percentage

contribution with $0.25 for every dollar you contribute up

Less than One Year

to a maximum of 8% ... PLUS, an additional 1% match at

One Year but less than Two Years

25%

Two Years but less than Three Years

50%

Three Years but less than Four Years

75%

Four or More Years

100%

Restaurant Technologies will match your 401(k)

year end based on customer install performance at the

company level. This would be an increase from $0.25 on
the dollar to $0.375 on the dollar.
New hires will automatically be enrolled at 4% deferral on
their benefit eligibility date. Effective 2017, there will be an
auto increase on the deferral of 1% each year. Go to the

FOR MORE INFORMATION

Empower Retirement website if you choose to opt out or

For additional details about Restaurant Technologies, Inc.

change your deferral percentage.

401(k) Plan, to enroll, or to change your contribution rates

or investment elections, please contact Empower Retirement
at www.empower-retirement.com/participant; 800-338-4015

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Vitality Wellness Portal

Get started by taking the Vitality Health Review (VHR). Next, pursue
your goals by utilizing helpful tools, completing activities and reviewing
educational information to earn Vitality Points. These points can be
redeemed for rewards such as Amazon.com gift cards, movie discounts
and more. Other activities such as receiving a flu shot or participating
in sports leagues also earn you points. The more points you earn, the

The Power
of Vitality

greater the reward!

is a valuable wellness tool

and rewards system right at

Those who participate in Restaurant Technologies medical plan

your fingertips, available to all

in 2017 are eligible for discounted health insurance premiums by

employees. You deserve to be

recognized for aiming to reach

completing the VHR as well as a Biometric Screening (free through our

better health and maintaining

partner Quest Diagnostics). Your discounted health premiums can save

the already positive well-being

you up to $600 per year!

habits you practice. Visit the

interactive and personalized
Vitality wellness portal to learn
more about setting goals and

*The VHR and Wellness Screening must be completed each benefit

year to activate the discounted health insurance premiums.

earning free rewards.

Social Engagement

RESTAURANT
TECHNOLOGIES CARES

The Cares Committee is dedicated

to strengthening our connection to the

communities where we live and work

by organizing volunteer events, hosting
drives, sponsoring events, and donating resources to nonprofit organizations. We are proud to partner with a variety of
organizations including:

> Ronald McDonald House Charities

> Meals on Wheels

> Junior Achievement

If you are interested in organizing a volunteer event or participating

in an event near you, please contact: rticares@rti-inc.com.

RESTAURANT
TECHNOLOGIES
EDUCATIONAL FOUNDATION

College is expensive. The Educational

Foundation was established to recognize
children of employees for their achievements at school and in
their community. Restaurant Technologies wants to help invest in
and develop the next generation. Merit-based college scholarships
will be awarded to children of Restaurant Technologies employees.
Selection will be based on academic promise, leadership, extracurricular activities, and exemplary citizenship.
The application process starts at the beginning of each calendar
year with accompanying FAQ document on the intranet. If you
have further questions, please contact
educationalfoundation@rti-inc.com.

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Fitness and Nutrition

QUEST DIAGNOSTICS
Employees have access to free
preventive biometric wellness
screenings through Quest
Diagnostics. These assessments
take a proactive look at your
health to keep your wellbeing
on the right track. While not
intended to be a replacement of
your regular doctor, it provides
you with the opportunity to
stay in tune with your health
numbers.
*This action is 50 percent of
the qualifying activities for
employees looking to receive the
premium discount.

FITNESS DEVICE SUBSIDY

Employees completing the Vitality
Health Review (VHR) for the first
time have the option to receive
a free Fitbit Zip ($50 value) or
upgrade to Fitbit Flex for a onetime payroll deduction of $25
($77 value).
NEW! Employees who have
previously received a fitbit
qualify for a fitbit upgrade
at a reduced cost when
they complete a biometric
screening, VHR, and achieved
Silver Vitality Status.

HEALTHY FOODS REWARDS

You can earn two Vitality points
for each designated healthy
food item you purchase up to 50 points per month!
When you register with
Walmart grocery and use their
HealthyFood card, you may
earn up to 10% savings. When
you register your local grocers
loyalty card with NutriSavings,
you will receive additional
coupons for healthy food
options.
Login to the Power of Vitality to
learn more!

*Employees will be notified upon qualification.

Mental Well-Being

When challenging personal situations are on your mind, its hard to focus and be productive at work. Thats where our
Cigna Employee Assistance Program (EAP) comes in handy. Achieve work/life balance through support for handling lifes
demands. Call any time, day or night, for advice or a referral to a service in your area on topics, including, but not limited
to:
> Legal Consultation
Receive a 30-minute free consultation and up to a 25% discount on select fees.

> Senior Care

Learn about challenges and solutions associated with caring for an aging loved one.
> Identity Theft
Receive a 60-minute free consultation with a fraud resolution specialist.

> Child Care
Whether you need all day care or just after school, theyll help you find a place
thats right for your family.
> Counseling
For face-to-face counseling assistance, you have 1 to 3 free sessions available to
you and your household members. Search the provider directory and request a
referral.
All information discussed is protected and remains confidential with Cigna. Cigna is available 24/7 at
(877) 622-4327 or visit www.CignaBehavioral.com and use the employer ID (restauranttechnologies).

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Additional Programs
REPORT IT

If you are aware of any potentially harmful situation that could affect our employees, and/or company,
Report It! This third party anonymous hotline service is available to assist you in communicating fraud,
waste and abuse concerns. It is confidential unless you elect to waive your right to anonymity.
To report ONLINE, go to www.reportit.net. Click Report it Online then report now. To report by phone,
dial the hotline number (877) 778-5463. For both online and telephonic reporting, the Username is RTI
and the Password is reportit.

BONUS POTENTIAL
Employees are eligible for a number of bonus opportunities based on your job
function. All employees can receive a $2,000 bonus for each employee
referral that is hired and employed with Restaurant Technologies for
a minimum of six months. For questions regarding bonus opportunities,
connect with your supervisor or manager.

TUITION REIMBURSEMENT
Restaurant Technologies recognizes that the skills and knowledge of our
employees are critical to the success of the organization. The company will
provide up to $2,000 per year for educational assistance to all eligible regular
fulltime employees who have completed one year of service in an eligible
employment classification.
To be eligible, courses, licensing, or the certification program must be related
to the employees current job duties or a foreseeable-future position in the
organization. Application forms can be found in ADP Workforce Now.

We encourage you to use the support of these services to make life both easier and more
enjoyable each day. We also welcome any questions about the resources provided here.
Please contact us at hrinquiries@rti-inc.com.

This benefit summary provides selected highlights of the Restaurant Technologies, Inc. employee benefits program. It is not a legal document and shall not be construed as a guarantee
of benefits nor of continued employment at the Company. All benefit plans are governed by master policies, contracts and plan documents. Any discrepancies between any information
provided through this summary and the actual terms of the policies, contracts and plan documents are governed by the terms of these policies, contracts and plan documents. Restaurant
Technologies, Inc. reserves the right to amend, suspend or terminate any benefit plan, in whole or in part, at any time. The Plan Administrator has the authority to make these changes.

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