S & S Cycle has a self-funded medical plan administered by Midwest Security Administrators. To best serve our employees, we currently have two PPO plans to choose from: Midwest Preferred and Alliance. We offer a very “rich” medical plan, at an affordable cost to the employee, with clinic office calls and wellness benefit/well child visits at just a $10 co-pay to the employee.

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Medco Health administers our prescription drug benefits. Retail pharmacy co-pays are $25 for a 34-day supply of brand name drugs and/or $10 for a 34-day supply of generic drugs. In addition, we also offer mail-order drug prescriptions for employees taking maintenance drug(s). A 90-day mail-order supply of brand name drugs is a $50 co-pay and a 90-day mail-order supply of generic drugs is just a $20 co-pay.

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Delta Dental administers S&S Cycle’s dental plan. Employees covered by the dental plan have their preventative check-ups covered at 100%. Basic restorative work is subject to a deductible ($50 - $150 per calendar year, based on coverage elected) and then covered at 80%. Major restorative work is also subject to a deductible and then covered at 50%. The dental plan includes orthodontia and is covered at 50% with a $1000 lifetime per insured limitation.

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S&S Cycle offers vision insurance through Vision Insurance Plan of America, Inc. (VIPA). Through VIPA, those insured may receive a free eye exam, a pair of frames (up to a $70 retail value) and a pair of standard clear glass, or plastic, single vision lenses per calendar year through an in-network provider. Contact lenses are also available in lieu of the frame and eyeglass lens benefit.

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S&S Cycle automatically insures all of its “regular” employees with term life insurance equivalent to two times their gross annual earnings. For example, if an employee grossed $30,000 a year, that employee would be insured for $60,000.

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S&S Cycle also provides accidental death and dismemberment insurance in an amount equal to the basic term life insurance. In the event of accidental loss of life, limb, etc., this coverage would pay in full or in part depending on the loss incurred.

Additional life insurance is also available to employees to buy-up through Unimerica. Employees may buy-up to 5 times their gross annual earnings. Spousal and dependent life insurance is also available. The amount of spousal life insurance the employee can purchase may not exceed 50% of the amount of additional life insurance the employee has elected on him/herself. The amount of dependent life insurance that the employee may purchase ranges from $1000 to $10,000.

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Premiums are based on age and amount

Universal life insurance is yet another additional life insurance policy available to the employee to buy-up. Unum Provident provides this universal life insurance benefit.

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Unimerica administers our short and long-term disability insurance. Should an employee become ill or injured, the short-term disability insurance would take effect on the eighth day of the illness or injury and continue up to 26 weeks. This benefit pays 60% of the employee’s weekly wages while on leave. Long-term disability takes effect on the 180th day of the illness or injury and continues as long as you are disabled, limitations apply. Long-term disability pays up to 60% of your gross monthly earnings.

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Premiums are based on compensation and age

S&S Cycle offers two different cancer insurance policies through American Fidelity. The first is a pre-taxed benefit that would pay the employee a daily hospital benefit should the employee, or his/her elected family members, be hospitalized due to a form of cancer. The second is an after-tax benefit that would pay the employee a lump sum of money should the employee, or his/her elected family members, be diagnosed with cancer.

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Employees may elect to set aside pre-tax dollars into medical and/or dependent care flexible spending accounts. The medical flexible spending accounts is essentially a “savings” account for expenses incurred that are not covered by the medical plan, such as the deductible, co-pays, etc. The dependent care flexible spending account is a tax-deferred “savings” account to help pay for dependent care expenses.

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S&S Cycle offers an aggressive profit sharing plan administered by US Bank. S&S Cycle will contribute an automatic 10% of an employee's gross fiscal wages, with a variable 0-15% into the employee's retirement fund. This makes a potential retirement contribution from S&S at 25%!

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The Employee Assistance (EAP) is sponsored by Gunderson Lutheran Business Health Services. EAP is a free, confidential program designed to assist employees with all types of problems ranging from depression to marital and financial difficulties to family conflicts, alcohol and drug problems and work-related issues.

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Tuition assistance is available to employees seeking to better themselves. All courses must relate to the employee’s current position, assist in development for future advancement within the company or lead to a degree that is related to the employee’s current or future job assignment within the company. Employee’s involved in the tuition assistance program must receive a “B” average or better to receive 50 percent tuition and books reimbursement by the Company upon completion of the course.

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Regular employees of S&S Cycle receive merchandise discounts on motorcycle parts and apparel.

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Holidays
S&S Cycle employees receive 6 paid holidays and 2 floating holidays per calendar year. The Company designates the two floating holidays each year.

Vacation
The vacation schedule is as follows:Years of Service Vacation Days Allotted

0-1 Years Prorated 2-5 Years 10 Days 6-9 Years 15 Days 10 or More Years 20 Days

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S&S sponsors the Experienced Rider’s Course (ERC) to add value to our riders and the testing programs with which many of those riders are involved. The ERC ensures each participant’s introduction to advanced riding techniques and provides a controlled, structured environment in which to practice those techniques.

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All “regular” employees of S&S Cycle are evaluated on their job performance on a yearly basis. All positions at S&S Cycle have a “position class”. The bonus potential for an employee is based off of his/her job performance and the position class that correlates to his/her job. Bonuses are usually paid out in November. Below, is the bonus potential for position classes 1 through 5.

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Bonus Potential - Lump Sum Payout

Position Class I 0% - 10% Position Class II 0% - 11.8% Position Class III 0% - 14.3% Position Class IV 0% - 18%

Please Note:
The above benefit information reflects a summary of benefits available to regular employees of S&S Cycle, Inc. S&S Cycle reserves the right to amend or terminate any of these benefits at any time. In addition, the above information is intended for benefit summary purposes only and, by no means, is to be used in lieu of the official plan documents which ultimately govern in the event of any conflict with the above benefit summaries.