Employment Benefits

O3 provides a highly competitive suite of benefits for our employees as specified below:

Medical Insurance (United Healthcare, CIGNA or Tufts)

• Company pays individual premiums for all full-time employees, family coverage requires employee participation.
• United Healthcare, CIGNA or Tufts Plans includes:
  Choice of networks (CHOICE PLUS, HMO, HIGH DEDUCTIBLE)
• Eligibility begins the first DAY of full-time employment.

Dental Insurance

• Together with Administaff, O3 has dental benefits covering a wide range of dental procedures, including preventive and diagnostic service, basic (restorative) services, major (prosthodontic) services and orthodontia services.

Vision

• Vision benefits cover eye examinations, prescription lenses, eyeglass frames and contact lenses. You can use any optometrist or a provider who participates in the VSP provider network for greater benefits and less out of pocket.

Life & Personal Accident (AD&D) Insurance (CIGNA)

• Employee only; premiums paid by Administaff; available to full-time active employees only if medical coverage is elected.
• Basic Term Life Insurance
  Amount equal to 1x employee’s base annual earnings* $15,000 minimum $50,000 maximum.
• Basic Personal Accident Insurance
  Amount equal to 1x employee’s base annual earnings* $15,000 minimum $50,000 maximum.
  * Base annual earnings include your base annual earnings paid by Administaff,
  excluding bonuses and overtime, but including any commissions. Coverage
  amounts based on your base annual earnings are rounded to the next higher
  $1,000.
• Voluntary Group Universal Life Insurance (CIGNA)*
  Optional coverage for full-time active employees and their families; premiums are paid by the employee.
• Voluntary Personal Accident Insurance (CIGNA)
  Optional coverage for full-time active employees and their families; premiums are paid by the employee.
• Voluntary Disability (CIGNA)
  Optional coverage for full-time active employees; premiums are paid by the employee.

401K Retirement Plans

• Convenient payroll deduction allows pre-tax contributions.
• A variety of investment choices, which may be changed daily.
• Highly trained personnel handle all retirement services functions.
• 24-hour toll-free and Internet access to account information.

Training and Development (Administaff)

(Available to employees only)

Additional Benefits

• Health Care Flexible Spending Account
  Set aside a portion of current earnings (on a pre-tax basis) in a type of savings account for later reimbursement of qualifying expenses. Pay for eligible medical expenses with pre-tax dollars.
• Payroll Direct Deposit
  Deposit your net pay automatically. It's convenient, secure and on time.
• Commuter Benefits Program
  Manage job-related commuter expenses with transportation benefit options for mass transit, commuter vanpools and parking. Pay for eligible expenses with pre-tax dollars.
• Employee Assistance Program (Optum)
• Confidential counseling & support programs are offered for employees and their families.
  Most services available at no cost to employee.
• Adoption Assistance (Administaff)
  For full-time employees with at least 6 months of service. Reimburses qualifying expenses incurred through private adoption or licensed adoption agencies $1,000 per adoption.
• Member Source Credit Union
  Full-service credit union with: savings, CDs, IRAs, VISA/MC, ATM, auto & consumer loans. Deposits are insured up to $350,000.
• Debit Card Pay Option
  Enjoy the benefits of direct deposit without a traditional bank account. A convenient alternative to the traditional paycheck.
• 529 College Savings Plans
  Information on several state-sponsored college savings plans available to any U.S. resident. Begin saving for a child’s college education today.