Plan Year 2026

Introduction

The notices and disclosures contained herein relate to S2 HR Group LLC (“Engage PEO”), our affiliated group of PEOs providing PEO services to our clients, Engage Insurance, LLC, Axios Insurance Advisors LLC and Alliant Insurance Services Inc (“Brokers”) with respect to certain group health plans (individually, a “Plan” and collectively, “Plans”). This includes:

• Engage PEO Health and Welfare Plan (“Engage Plan”);
• United Benefits Consulting, LLC Health & Welfare Benefit Plan (“Zamp Plan”);
• Genesis HR Solutions Welfare Benefit Plan (“Genesis Plan”);
• Cornerstone Employer Solutions Health & Welfare Plan (“Synchrony Plan”)
• Axios Health and Welfare Benefit Plan (“Axios Plan”); and
• FullStack Inc Employee Benefits Plan (“FullStack Plan”)

Depending on the specific benefits (“Component Benefit Plans”) available to, and selected by, your company (“Client”), and the specific Plan(s) under which those benefits are provided, Engage PEO may receive certain benefit administrative fees (“Administrative Fee”) with respect to the Engage Plan’s Component Benefit Plans and our Brokers receive certain commissions (“Commissions”) with respect to the Component Benefit Plans under the other Plans. This document provides notice regarding the Administrative Fee paid to Engage PEO and the Commissions that are paid to our Brokers by the respective insurance carrier (“Carrier”). This document also explains the valuable services that are provided by Engage and Engage Insurance, LLC in exchange for the Administrative Fee with respect to the Engage Plan, and the valuable services that are provided by our Brokers, along with the respective PEO entity in exchange for the Commissions with respect to the other Plans.

Section 408(b)(2)(B) of the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), requires certain service providers, including brokers, to ERISA-covered group health plans to disclose information regarding the provider’s compensation and services to clients. Engage, our Brokers, and our related PEO entities value transparency — therefore, this document goes beyond the disclosures specifically required by ERISA. References to “our”, “us”, or “we” refer to Engage, a Broker or a related PEO entity (as the context indicates), while references to “you”, “your”, or “Client” refer to your company.

Broker commissions and other compensation (collectively, “Broker Compensation”) may be reflected in the premiums charged for a benefit, but which are not separately billed to Client, and instead are paid by the Carriers. The premiums payable under the Plans, including any portion of the premiums payable by Plan participants, do not adjust as a result of Broker Compensation during the course of the 12-month coverage period outlined in the table below, which is paid to our Brokers by a Carrier. Similarly, the Administrative Fee that is assessed with respect to the Component Benefit Plans under the Engage Plan is reflected in the amount charged for each such Component Benefit Plan for the respective 12-month coverage period.

As named below, our Brokers are engaging in brokerage services on behalf of the respective Plan, and together with the PEO entity are providing valuable administrative services to the Plans. Our Brokers strive to provide a valuable service by explaining various insurance products, conducting market analyses, interacting with Carriers on Plan benefits and cost, and a number of other services agreed to from time to time. The respective PEO entity also provides valuable plan administrative services to the Plan, including but not limited to assisting with open enrollment, providing advocacy services to client employees with respect to their benefit claims to the Carriers, and other Plan administrative functions (such as the preparation of required annual files and drafting and delivery of required participant disclosures). Together, these services are referred to in this document as “Brokerage and Plan Administrative Services.” We expect to provide these services to the Plan as a fiduciary within the meaning of section 3(21) of ERISA.

Benefit Administrative Fee Regarding Engage Plan’s Component Benefit Plans

In connection with each of the Component Benefit Plans you have selected under the Engage Plan only, Engage PEO shall receive the Administrative Fee set forth below, which is in addition to any plan-related expenses that may be charged back to the Engage Plan as permitted by applicable law.

Insurance Commissions

In connection with each of the Component Benefit Plans you have selected, our Brokers are compensated based on the commission rates listed below. When commission rates vary based on premiums paid, premiums are measured on a plan-wide basis. Broker compensation is listed in the chart below – please refer to your Group Health Plan and the Benefit Type/Service you have elected to determine the applicable Broker Compensation.

¹MetLife Vision commissions vary by plan
²MetLife NY DBL & PFL plans are not subject to additional administration fees

* Commission shown is a maximum commission paid out of a sliding scale based on enrollment in the plan

Plan Sponsors

Engage Plan, Zamp Plan, and Genesis Plan

• Plan Sponsor: S2 HR Solutions Group 1, LLC Synchrony Plan
• Plan Sponsor: Cornerstone Employer Solutions, LLC DBA Synchrony HR Axios Plan
• Plan Sponsor: Axios, LLC FullStack Plan
• Plan Sponsor: FullStack Inc

Other Compensation

In addition to the commissions described above, our Brokers may become eligible for additional compensation from
Carriers, including overrides and bonuses, expense reimbursement and other allowances. Each arrangement depends on
several factors unique to each Carrier, such as number of insured lives, technology and systems used to service
clients, and programs and services provided by third parties and offered to clients. Any such arrangement is
subject to change by the applicable Carrier and may be negotiated each year.

Acknowledgements and Confirmation of Insurance Premiums and Rates

By signing your specific Benefit Plan Offering (BPO) document on behalf of Client, you acknowledge that Client is
responsible for reviewing and approving the premiums and contribution rates associated with the Component Benefit
Plans made available to your Client’s employees, as well as all plan-related compensation, including any
Commissions and Administrative Fees, that the Brokers, Engage PEO, or affiliates have received or may receive with
respect to such Component Benefit Plans for the 12-month coverage period listed above. You also acknowledge and
agree that Client has exercised independent judgement in approving the Component Benefit Plans that will be made
available to employees, has reviewed and approved all fees and amounts related to such options, and agrees that
the Commissions and Administrative Fees set forth above may be retained by us as reasonable compensation for the
Brokerage and Plan Administrative Services rendered for the benefit of the respective Plan by Engage, the Broker
and related PEO entity, as applicable.

By signing the BPO, Client confirms the receipt of the information and disclosures set out above and approves for
its plan the insurance coverages, premium rates and employee contribution strategy set out in your PEO benefit
renewal documents.