B.G. Smith & Associates understands that employee benefit programs are an important part of the total compensation package when employed with any company. BGS is committed to providing you with options to protect from catastrophic loss due to illness, injury or loss of life. BGS also wants its employees to have the opportunity to build security for the future through our stock and retirement programs.

Insurance Plans - BGS offers a variety of programs for employees to choose from, including medical, dental, vision, group term and supplemental life and accident insurance, short- and long-term disability programs. Some benefits, including the Employee Assistance Program, group term life insurance and long-term disability insurance are paid for by BGS. The cost of other programs may be covered by a combination of company and employee pre-tax contributions.

Comprehensive Leave - Eligible employees accrue comprehensive leave each pay period. Accrual rates vary, based upon years of service with the company.

Holidays - Most BGS employees are eligible for ten holidays during the year. BGS traditionally observes the following holiday schedule:

• New Year's Day
• Martin Luther King Day
• Presidents' Day
• Memorial Day
• Independence Day
• Labor Day
• Columbus Day
• Veteran's Day
• Thanksgiving Day
• Christmas Day

Holidays may vary based on contractual requirements.

Education Assistance - BGS recognizes its employees are vital resources whose talents are critical to the success of the company. BGS offers a Tuition Assistance Plan (TAP), which encourages self-improvement through formal education so that employees can improve or maintain job-related skills or enhance their ability to compete for reasonably attainable jobs within BGS.

Retirement Plans - Company-funded retirement benefits are offered to employees. Employees may also be eligible to defer a certain percentage of salary (subject to IRS limits) to the BGS Retirement Plan. If you are eligible, the Company will make a matching contribution of $1.00 for every dollar that you defer, up to four percent. Salary deferrals are self-directed by participants into mutual funds. The BGS Retirement Plan permits rollovers from prior employer-sponsored qualified plans.

Benefits Summary