Benefit Name and Definition

Eligibility Requirements

Percent Paid by Employee

Coverage Amount

Vacation

• Less than five years—120 hours

• Five to nine years—160 hours

• More than 10 years—200 hours

Employees are eligible to use the accrued balance after completing three months of service. The maximum vacation accrual is 200 hours. Once the ceiling is reached, employees are encouraged to sell their excess leave back to the company.

All full-time employees accrue annual personal leave each pay period to be used for paid time off, vacation, and sick time away from the office. Accrual rates vary depending upon years of service with DKW.

Employees on a "non-pay" or leave of absence status are not eligible to accrue leave.

N/A

3-5 weeks depending on service

Holidays

DKW observes the following 10 paid Federal Holidays:

New Year's Day, Martin Luther King Day, President's Day, Memorial Day, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving Day, and Christmas Day

All full-time employees.

Employees on a "non-pay" or leave of absence status are not eligible for Holiday Pay.

N/A

10 per year

Medical/Prescription Benefit

DKW employees have the choice of an Opt-Out Open Access or a PPO Plan with CareFirst Blue Cross Blue Shield. BlueChoice Opt-Out Open Access is a plan that offers the cost savings of an HMO and the freedom to visit any provider without a referral from your primary care physician. BluePreferred is a preferred provider organization (PPO) health care plan that offers the flexibility to choose your doctor or hospital and control your healthcare costs.

Our prescription drug plan offers competitive rates for generic, brand name, and formulary drugs.

First of the month following one full calendar month of employment for all full-time employees.

25%

Summer Plan Description available for review of benefits

Dental Insurance

DKW's dental plan, DentalGuard Preferred PPO, is provided by the Guardian Insurance Company. Dental Guard Preferred combines the freedom of a traditional dental plan with the economy of managed care. With the PPO plan, you and your family can visit any dentist or specialist or high-quality DentalGuard Preferred network dentist, any time you need care.

First of the month following one full calendar month of employment for all full-time employees.

25%

$1,000/year

Company-Sponsored Basic Life/AD&D

DKW pays the full premium for basic life and accidental death & dismemberment insurance equal to one-times-annual base salary with a maximum $150,000.

First of the month following one full calendar month of employment for all full-time employees.

0%

1 x Annual Salary Up to $150,000

Short Term/Long Term Disability

DKW provides short-term disability insurance at no cost for all full-time employees. The plan pays 60 percent of the employee’s weekly earnings, up to a maximum of $1000 per week for a period of up to 13 weeks. Full-time employees receive benefits on the eighth day of an accident, and the eighth day of an illness.

DKW provides long-term disability insurance at no cost for full-time employees beginning on the first day of the month following one full month of employment. The long-term disability plan pays 60 percent of the employee’s monthly gross salary up to a maximum of $6,000. Full-time employees receive benefits after 13 weeks of disability.

DKW provides short- and long-term disability insurance for full-time employees and part-time employees who work 30 or more hours per week. Employees are eligible for short-term and long-term disability beginning on the first day of the month one full month following employment.

0%

Employer-paid benefit of 100% of salary

Dependent Care Flexible Spending Account

Full-time employees and part-time employees who work 30 or more hours per week become eligible the first day of the month following one full month of employment.

Maximum $208.33/pay period

Maximum $5,000/year

Healthcare Flexible Spending Account

DKW employees may choose to allocate part of their pay, on a before-tax basis, to pay medical, dental, and vision expenses not covered by their insurance. Employees who participate save taxes on the amounts allocated to pay for these eligible expenses. Allocated funds not used for their intended purposes are forfeited at the end of the benefit year, as Federal law requires.

Full-time employees and part-time employees who work 30 or more hours per week become eligible the first day of the month following one full month of employment.

Maximum $208.33/pay period

Maximum $5,000/year

Commuter Benefits Program

DKW Commuter Benefits Program is very similar to our Flexible Spending Program; however, it allows you to set aside pre-tax dollars for the purchase of transit passes (metro, bus, and railroad passes), van pooling, and parking expenses incurred while commuting between work and your residence.

Full-time employees and part-time employees who work 30 or more hours per week become eligible the first day of the month following one full month of employment.

Maximum deferral is $195 per month for parking and $100 per month for transit

N/A

Company Sponsored Social Events

DKW sponsors holiday parties, luncheons, picnics, sports activities, and other team building activities for all its employees and/or clients.

0%

N/A

401(k) Retirement Plan

Employees may enroll in DKW's 401(k) Retirement Plan during any of our quarterly enrollment periods following 3 full months of service. For the 2006 plan year, participants may defer up to $15,000 in the plan. Participants are always 100 percent vested in the value of rollover and employee contribution funds deposited in their 401(k) account. Participants in the plan have online access to manage their accounts, through our plan sponsor, John Hancock.

All DKW employees who are age 21 or older and have been employed for 3 consecutive full calendar months, may elect to participate in the plan. Employees may also choose to roll over funds from other qualified retirement plans upon enrollment in the plan.

May defer up to $15,000 on a pre-tax basis

N/A

Direct Deposit

DKW’s preferred method of payroll is direct deposit. This provides the employees with a convenient way to ensure timely availability of their earnings if absent from the work place.

All DKW employees are eligible upon employment.

0%

N/A

Employee Referral

DKW awards bonuses to employees who refer individuals who are hired by the Company. A referral bonus of $150.00 to $750.00 is paid to the employee after the referred individual has completed 120 days of continuous employment.

All full-time employees and employees who work 30 or more hours per week are eligible for this benefit.

Executives, Program Managers, Directors, and the hiring manager are not eligible for this bonus.

0%

$100 to $750