Staff Benefits at a Glance

Effective January 1 to December 31, 2025

Annual enrollment is in November 2024 for the 2025 calendar year.

Plan Information Details & Notes Eligibility
Medical, Dental & Vision
Tier Weekly Cost UMR Is a subsidiary of United Healthcare
Employee $52.99
UMR Choice EPO Plan 1
Employee + Spouse $128.18 Exclusive Provider Organization with a national network of
In-Network Only
Employee + Child(ren) $113.39 providers. Like an HMO with in-network benefits only.
Family $179.95
Employee $44.95
UMR Choice Plus PPO Plan 3 Employee + Spouse $109.16 Preferred Provider Organization with in and out-of-network

1st of the month following hire date

Employee + Child(ren) $98.99 benefits.
Family $156.24
Employee $34.70 High Deductible and Health Savings Account (HSA) plan with in
Employee + Spouse $86.04 and out-of-network benefits. Oxford is contributing up to $500
employee only or up to $1,000 employee + dependent(s)
UMR Choice Plus HSA Plan Employee + Child(ren) $78.20 toward the 2025 health savings accounts (HSA) for those
Family $123.36 enrolled in the higher deductible HSA medical plan. This is on a
weekly per pay period basis of $9.62 for employee only and
$19.23 for employee + dependent(s).
Employee $10.13
MetLife Dental Comprehensive Employee + Spouse $20.24 In-network and out-of-network benefits with orthodontia
Plan Employee + Child(ren) $21.11 coverage. Annual maximum benefit is $2,250.
Family $31.94
Employee $5.90
Employee + Spouse $11.80 In-network and out-of-network benefits with no orthodontia
MetLife Dental Low Plan
Employee + Child(ren) $12.22 coverage. Annual maximum benefit is $1,250.
Family $18.46
Employee $1.42
VSP Vision Employee + one $2.85 In-network and out-of-network vision benefits.
Employee + two or more $4.58
Spouses and Domestic Partners are eligible for dental & vision coverage. Medical coverage for Spouses and Domestic Partners is only available if
they do not have access to coverage with their employer.
Life & Disability – MetLife - Company provided to all benefit eligible employees
Life and AD&D Insurance Life Insurance for fulltime employees = 1x annual earnings up to $500,000
Short Term Disability Income replacement of 60% of your weekly income up to a maximum of $1,500 per week
Long Term Disability Income Replacement of 60% of your monthly income up to a maximum of $8,000 per month
Voluntary Life Insurance – MetLife
Employee, Spouse and Dependent Child coverage available. Rates vary based on age and coverage level selected.
Flexible Spending Plans – WEX – Benefit Plan year 2023
FSA Dependent - Limit: $5,000. Married couples filing separate returns are
FSA Medical - Limit: $3,300
allowed to claim a maximum of $2,500 each
Paid Time Off and Company Holidays (follows calendar year)
Full-Time Employee Annual Accrual Rate (PTO is accrued on an hourly basis):
 1 Year 15 days  Three+ years: 19 days  Please refer to the PTO Policy in the Oxford Employee
PTO
 1+Years: 16 days  Four+ years: 22 days Handbook for the Maximum balance allowed.
 2+ years: 17 days
Holiday Observances 2025: Seven (7) Company designated holidays observances & up to three (3) floating holidays (depending on date of
Date of hire
hire).
Educational Assistance and Student Debt Program
Student Debt Program with  Must be current on student loan payments. Six months of
Fidelity  Oxford will then contribute $100 per month towards your student loan payments up to a $5,000 lifetime max. service
Tuition Reimbursement  Must be employed for one year before receiving any level of reimbursement. One year of
 Level of reimbursement is based on length of service (not to exceed $5,000 per year). service
401(k) – Fidelity
 Pre-tax contributions up to 75% of eligible compensation (Subject to IRS Max of $23,500 for 2025).
 After-tax contributions up to 75% of eligible compensation.
1st of the
 Catch-up contributions for individuals over age 50 (Subject to IRS Max of $7,500 for 2025).
Oxford Staff 401(k) month
 2025 Company match is 50% of the first 4% for pre-tax and Roth contributions.
Retirement Savings Plan following hire
 100% vested in company match for 2025. date
 Highly Compensated Employees (HCE), as defined by the IRS, as those whose gross earnings reach the IRS cap
($160,000 in 2025) are limited to 19% in 2026.

This document serves as a summary of our benefits. More information is available from the insurance plan descriptions, the Benefits Department, or the insurance company representatives.
None of the information contained on this document implies any contract or guarantee of employment. In the case of a question or coverage of benefit, the Oxford Global Resources policy or
insurance document will prevail.