GPS Hospitality - Benefits Enrollment Guide

2019–2020
Benefits Enrollment Guide
The information provided herein is intended to be only a summary of the benefit plans. Please refer to the full summary plan description
or contact Human Resources for more detailed information. In the event of any discrepancy between this summary and the plan document
or contract, the latter will prevail.

2019-2020 ENROLLMENT OVERVIEW
As an employee of GPS Hospitality (GPS), you have a total compensation package - a combination of pay and benefit programs.
We believe people are our greatest asset so we are providing a comprehensive set of options, designed to give you choices about the
types and levels of protection that you want, to help you live well and stay well.
These options give you the flexibility to select the benefits you and your family really need. Each year, you have the opportunity to review
your benefit options and make choices that best fit you and your family.
For additional detail on your benefits or for definitions of the terms listed below, visit our online Benefits Enrollment website at SmartBen.com
or by calling 844-283-2432. You may also contact the Benefit Resource Center through USI Insurance at 855-874-0835.
Benefit Who Pays for Coverage Who is Eligible for Coverage
Medical Insurance GPS and you Level 1, 2, 3 and 4
Health Savings Account
GPS (if enrolled in the
Standard Plan) and you
Level 1, 2, 3 and 4
Dental Insurance GPS and you Level 1, 2, 3 and 4
Vision Insurance You Level 1, 2, 3 and 4
Basic Life Insurance GPS Level 1, 2 and 3
Accidental Death & Dismemberment Insurance GPS Level 1, 2 and 3
Supplemental/Dependent Life Insurance You Level 1, 2 and 3
Employer Paid Short Term Disability GPS Level 1 and General Managers with one or more years of service
Voluntary Short-Term Disability Insurance You Level 2 and General Managers with less than one year of service
Long-Term Disability Insurance GPS Level 1 and 2
2 2019-2020 Summary of Benefits

2019-2020 ENROLLMENT OVERVIEW
Employee Eligibility
All active, full-time and part-time employees who are averaging
30 hours or more per week are eligible to participate in GPS
benefit plans based on their job responsibilities and classification
as follows:
Level 1 employees: Salaried and hourly employees working in
the corporate office and those classified as a General Manager.
Level 2 employees: Employees classified as an Assistant
Manager.
Level 3 employees: Employees classified as a Shift Leader
who are working 30 hours or more per week.
Level 4 employees: Hourly employees who average 30 hours
or more per week at the completion of their ACA measurement
period.
Employees averaging less than 30 hours per week are not
eligible to participate in GPS-sponsored benefit plans.
Coverage Effective Date and
Election Changes
Benefits are effective first of the month following or coinciding
with 60 days of employment. New hires will have 45 days to
enroll in benefits. Dependent coverage starts on the same day
your benefits become effective.
According to IRS guidelines, the benefit coverage you elect to
pay for on a pre-tax basis - such as medical, dental and vision
coverage - must stay in effect for the entire plan year. However,
you may be able to change your benefits during the year if you
experience a qualified life event, such as:
• Marriage, divorce, legal separation or annulment
• The birth of a child, adoption or placement for adoption
• The death of a dependent
• A change in your spouse's or child's employment status that
affects eligibility for benefits
• A dependent reaching the age of 26
You must request the enrollment or change no later than
30 days after the event occurs in order to qualify.
Changes or new enrollment due to the loss of coverage under
a state CHIP or Medicaid or the determination of eligibility for
premium assistance under those programs must be requested
within 60 days.
Unless you experience a qualifying event, Annual Enrollment may
be your only opportunity to make benefit elections each year.
To submit your special enrollment request, please log onto your
SmartBen account or call 844-283-2432.
Dependent Eligibility
You must enroll yourself in order to enroll your spouse or any
dependents. Upon enrollment, you may be asked to provide
verification for your dependent(s) such as a birth or marriage
certificate. Your eligible dependents include the following:
• Your legal spouse who does not work or is not eligible for
"minimum value affordable" medical insurance through
his/her employer*
• Your dependent children to age 26
*The Affordable Care Act considers an employer's medical
plan "minimum value affordable" if it pays at least 60% of the
costs for services and the employee pays contributions equal
to or less than 9.86% of his/her household income. If the plan(s)
offered to the spouse through his/her employer don't provide
such coverage, the spouse may be enrolled in a GPS medical
plan option. Employers can provide confirmation of their
benefit plan status as it relates to healthcare reform and the
Affordable Care Act.
USI Benefit Resource Center
The USI Benefit Resource Center consists of highly trained
staff of advocates who take ownership of employee benefit
problems from start to finish. Our system allows issue notes to
be seen by all advocates so that anyone on the team is able to
assist. Advocates maintain contact and provide updates to the
employee. Common issues handled are, but not limited to:
• Benefit plan questions
• Eligibility issues
• Claims assistance
• Ordering ID cards
• Locating network providers
• Writing appeals for the employee
• Pharmacy and medical authorization assistance
The USI Benefit Resource Center at 855-874-0835 is available
Monday through Friday, 8:00am to 5:00pm Eastern & Central
Standard Time. After hours voicemail is available or you can
send your e-mail directly to: BRCSouth@usi.com.
2019-2020 Summary of Benefits 3

MEDICAL INSURANCE
GPS offers two High Deductible Health Plan (HDHP) options
through Anthem BlueCross BlueShield (Anthem/BCBS). Both plans
include a Health Savings Account (HSA).
The HDHP options provide benefits for medical care you or a family
member receives from Anthem BCBS providers as well as those
providers who don't have a negotiated relationship or contract with
Anthem BCBS. If you choose services from a provider outside the
network, your out-of-pocket costs will likely be higher and you may
have to file your own claims. Anthem BCBS' network is the Blue
Open Access POS. Visit anthem.com to search for a network provider.
Under both plans, in-network preventive services are covered at
100% and are not subject to the deductible. The Preventive Care
benefit includes screening tests, immunizations and other services
designed to detect and treat medical conditions to help prevent
avoidable premature injury, illness and death.
All other expenses, including prescriptions are subject to the
deductible. Once you have met the deductible, you will pay a
percentage of the covered expense (coinsurance), up to the annual
limit (out-of-pocket maximum). If you reach the out-of-pocket limit,
the plan will pay 100% of covered expenses for the remainder of the
calendar year.
Preventive drugs which may prevent illness and other health
conditions may be available at low or no cost to you. Please
visit Anthem's Preventive Drug List (https://file.anthem.
com/04386MUMENABS.pdf) to review the list of approved
preventive drugs under your plan.
For employees with spouse or children covered under the
Value Plan, the plan begins to make payments as soon as
one member of the family reaches the individual deductible
of $6,000. The remaining $6,000 towards the family
deductible could be satisfied by another family member
or a combination of claims from other family members.
Non-Tobacco Incentive
There is a $50 monthly ($23.08 per pay period) surcharge if you
use tobacco products and enroll in a GPS medical option. A tobacco
user is defined as having used any tobacco product in any form
during the plan year or within the 6 months prior to their effective
date. This includes cigarettes, e-cigarettes, pipes, cigars, snuff or
chewing tobacco. During the enrollment process, you will be asked
whether you use tobacco products. The surcharge will be a post-tax
deduction separate from your medical plan deduction.
Over-the-counter tobacco cessation drugs, patches, gums and
lozenges are covered under the prescription program as well
as online tobacco cessation tools and programs to assist you in
reaching a goal of becoming tobacco free. You may research your
options on anthem.com or by calling 855-889-5682. Additionally, the
employee assistance program offers some referral assistance. If
you follow the free programs and achieve a tobacco free status for
at least 6 months, the tobacco surcharge can be waived following
written notification to GPS Human Resources.
If it is unreasonably difficult due to a medical condition for you to
achieve the standards for the reward under this program, call GPS
Human Resources and we will work with you and your physician to
develop another way to qualify for the reward.
Falsification of any information provided may result in disciplinary action up to and
including termination. The Plan reserves the right to demand reimbursement for
missed contributions based on falsified information or failure to make an election.
Starting October 1, 2019, discounted, wellness rates will be
available to employees who enroll in medical benefits. If you and
your covered spouse complete your annual wellness visit in 2019,
you will continue receiving the discounted, wellness rate through
September 2020.
If you and your covered spouse choose not to complete your
annual wellness visit, your medical contribution rate will increase,
effective the first payroll in April 2020.
Smart90 Program: For maintenance medications, members must fill prescriptions through a Smart90 Pharmacy or Home Delivery for a 90 day supply.
You can initially obtain up to two 30-day supplies at another retail pharmacy. If you don’t switch to a Smart90 Pharmacy or Home Delivery, you will have
to pay 100% of the cost of your medication until you make the switch. There are over 20,000 Smart90 pharmacies which include CVS, Kroger, Walmart
(excludes Walgreens).
Please call the Anthem/BCBS of GA member services number at 855-889-5682, if you have any questions or need assistance finding a Smart90
pharmacy or if you want to switch your maintenance medication to home delivery.
4 2019-2020 Summary of Benefits

MEDICAL INSURANCE
GPS offers comprehensive medical coverage through Anthem/BCBS to eligible employees and dependents. Our medical plan offers two
options so you can choose the coverage level best suited to your personal situation.
Anthem/BCBS Medical Plans
HSA Funding (total contribution made semi-annually in equal installments of $200)
Annual GPS Contribution
Calendar Year Deductible
Standard Plan
Value Plan
In-Network Out-of-Network In-Network Out-of-Network
$400 Funded semi-annually with completion of an
annual visit by the employee and covered spouse.
Additional details provided on pages 6 and 7.
Family deductible applies to each covered member
(except for those enrolled in Employee Only coverage)
Not applicable
Individual deductible applies to each covered member
Individual $1,800 $1,800 $6,000 $7,000
Family $3,600 $3,600 $12,000 $14,000
Annual Out-of-Pocket Maximum (includes the deductible)
Individual $4,500 $4,500 $6,000 $8,000
Family $9,000 $9,000 $12,000 $16,000
Coinsurance
Paid by Insurance 80% 60% 100% 70%
Physician Expenses
Primary Care (PCP) office visit
Specialist office visit
20%
after deductible
40%
after deductible
0%
after deductible
30%
after deductible
Telemedicine Services (LiveHealth Online) $49* Not covered $49* Not covered
Preventive Care
Routine Adult Physicals
Routine Well Child Visits & Immunizations
Emergency Services
100% Covered
Deductible waived
40% after deductible
40%; deductible waived
100% Covered
Deductible waived
Emergency Room 20% after deductible 0% after deductible
30% after deductible
30%; deductible waived
Urgent Care 20% after deductible 40% after deductible 0% after deductible 30% after deductible
Hospital Services
Inpatient Services
Outpatient Surgery, Therapeutic Services,
Chemotherapy & Diagnostic Services
Diagnostic Laboratory Testing/X-ray
20%
after deductible
40%
after deductible
0%
after deductible
30%
after deductible
Prescription Drugs (after deductible)** Retail Mail Order Retail Mail Order
Approved Preventive Drugs are not subject to the deductible
and covered at 100%
Copay applies after deductible is met
Generic Drugs $15 copay $30 copay 100% covered 100% covered
Formulary Brand Name Drugs $25 copay $50 copay 100% covered 100% covered
Non-Formulary Drugs $40 copay $80 copay 100% covered 100% covered
Retail offers 30 day, 60 day or 90 day supply and mail order offers up to 90 day supply, both subject to certain quantity limits, if applicable.
* A $49 consultation fee applies per service until the deductible is met. Thereafter, telemedicine services are subject to plan coinsurance. Consultation fee will increase to $59/ visit effective 1/1/2020.
** Approved preventive drugs are not subject to the deductible. Please visit Anthem’s Preventive Drug List (https://file.anthem.com/04386MUMENABS.pdf) to review the list of approved
preventive drugs under your plan.
Non-Tobacco, Wellness Bi-Weekly Rates (pre-tax) Standard Plan Value Plan
Employee Only $116.00 $47.00
Employee + Spouse $267.00 $197.00
Employee + Child(ren) $233.00 $163.00
Employee + Family $377.00 $296.00
Non-Tobacco, Non-Wellness Bi-Weekly Rates (pre-tax) Standard Plan Value Plan
Employee Only $139.00 $55.00
Under $20K Over $20K
$70.00
Employee + Spouse $290.00 $220.00
Employee + Child(ren) $258.00 $186.00
Employee + Family $400.00 $319.00
The GPS Medical Value Plan meets the minimum coverage and affordability requirements mandated by the Affordable Care Act. Because
you are offered a qualifying plan, you are not eligible to receive a government subsidy under the Affordable Care Act.
2019-2020 Summary of Benefits 5

HEALTH SAVINGS ACCOUNT
Only employees who enroll in a GPS Hospitality High Deductible Health
Plan are eligible to participate in the Health Savings Account (HSA) through
HealthEquity. The Value Plan does not include a GPS contribution to the HSA.
A Health Savings Account (HSA) is a personal savings account funded with pre-tax dollars
that is used to pay for eligible health care expenses not covered by insurance, such as your
medical and prescription deductible, dental and vision expenses. The account is flexible so
you decide how much to contribute and when to use your HSA funds.
Both GPS and you can contribute to your HSA. For those enrolled in the Standard Plan,
and who complete an annual physical between January 1 st and December 31 st , 2019,
GPS will contribute $400 annually ($200 semi-annually) into your HSA account regardless
of whether you choose to contribute any of your own money. Beyond the GPS
contribution, you may elect to contribute up to the IRS-specified limits for the calendar
year as described below. In order to receive quarterly GPS contributions (in March and
September), you must be enrolled in the Standard Plan on the date of each deposit. Once
you have an account, it belongs to you, so you can take your account and fund balance
(including deposited GPS contributions) with you if you change jobs or retire.
HSAs can help you save in several ways:
• High Deductible Health Plans which allow HSA contributions, typically have lower
monthly health insurance premiums
• HSA contributions are not taxed*
• You earn tax-free* interest on HSA balances
• HSA funds used for "qualified-medical-expenses"
are not taxed
• HSA balances roll over year after year
*HSAs are never taxed at a federal income tax level when
used appropriately for qualified medical expenses. Most states
recognize HSA funds as tax-free. Please consult a tax advisor regarding your state's specific rules.
How your Health Savings Account works
You open a health
savings account and
contribute money
to it.
You can save for future
medical costs or you can open
an investment account.
OR
Use your account to pay for
health care expenses.
*You’re protected by an annual limit on how much you pay.
When you reach
your deductible, you
and your plan share
the costs.*
Take the account
with you when
you leave the plan,
change jobs or retire.
How much can you contribute to an HSA?*
Federal regulations require you to elect the amount you wish to contribute to your
HSA each year. Typically, HSA contribution limits are increased each calendar year.
For the 2019 calendar year, the annual contribution limits are listed below:
IRS
Limit*
GPS
Contribution
with Standard
Plan Only
Maximum amount you
can contribute
Standard
Plan
Value Plan
Employee $3,500 $400 $3,100 $3,500
Family (employee + 1 or more) $7,000 $400 $6,600 $7,000
* Age 55 and over employees can contribute an additional $1,000 catch-up.
Remember:
You must elect to contribute
to your Health Savings
Account, in order to continue
your contributions effective
October 1, 2019.
What happens when
you have a Health
Savings Account and
you see a doctor OR
fill a prescription:
At the doctor’s office:
Receive services
With your medical plan, no copay is required
at the time of service. Be sure to present
your insurance card. If your healthcare
provider requires a deposit, it will be applied
to your invoice. Your health plan has a
network of providers that it recommends,
however you can use HSA funds to pay any
qualified medical expenses even if it is not
covered by your insurance.
Provider bills health plan
Provider submits a claim to your health
plan for services rendered.
Health plan sends EOB
An explanation of benefits (EOB) is sent to
you outlining the negotiated/allowed
charges and summarizing your year-to-date
deductible and co-insurance totals.
Provider sends invoice
The provider sends you an invoice,or
statement, reflecting the amount you owe.
Make sure the amount matches the EOB
sent to you by your health plan. If not,
contact your health plan.
Pay invoice with HSA
You can pay with your HSA debit card or
set up an on-line payment that is sent
directly to the provider or as a
reimbursement to you.
At the pharmacy:
Obtain prescriptions
Obtain a prescription from your doctor for
needed medication and submit it along with
your insurance card to a pharmacy.
Pharmacy verifies
insurance coverage
The pharmacy checks with your health
insurance on-the-spot to determine the
amount you owe for the prescription.
Pay for your prescription
The pharmacy fills your prescription and
you pay the determined amount owed. The
expense is automatically applied to your
deductible and/or coinsurance. Your HSA
debit card is a convenient method of
payment.
6 2019-2020 Summary of Benefits

WELLNESS ENGAGEMENT
To encourage better health and well-being, GPS Hospitality is providing you with discounted medical contribution rates, if you and your
covered spouse complete your annual wellness visit.
The discounted rate is going to be available to all employees effective October 1st, 2019. The discounted
rate will continue through September 30, 2020, if you and your covered spouse, complete your annual
wellness visit in 2019.
If you and your covered spouse choose not to complete your annual wellness visit, your medical
contribution rate will increase, effective the first payroll in April 2020.
If you need to find a Primary Care Physician (PCP), please log onto www.Anthem.com/Find-Doctor/.
Getting regular checkups and exams can help you stay well and catch problems early. It may even save your life. Your health plan offers
in-network, preventive care services at no cost to you. When you get these services from doctors in your plan’s network, you don’t have
to pay anything out of your own pocket.
What’s the difference between Preventive versus Diagnostic Care? Preventive care helps protect you from getting sick. Diagnostic care is
used to find the cause of existing illnesses. For example, say your doctor suggests you have a colonoscopy because of your age when you
have no symptoms. That’s preventive care. On the other hand, say you have symptoms and your doctor suggests a colonoscopy to see
what’s causing them. That’s diagnostic care.
If you are taking medications that are meant to prevent certain medical conditions, your medication may be covered at 100%.
Please contact Anthem member services if you have any questions. For a list of preventive medications,
please visit https://file.anthem.com/04386MUMENABS.pdf. For more information on covered preventive services,
please visit www.anthem.com/preventive-care/.
2019-2020 Summary of Benefits 7

ONLINE VISITS
Quick and easy access to a doctor 24/7
LiveHealth Online is a great option for care when your own doctor isn't
available and more convenient than a trip to the urgent care. With LiveHealth
Online, you can receive medical care for things like:
• Cold and flu symptoms, such as a cough, fever and headaches
• Allergies
• Sinus infections and more
To start using LiveHealth Online, all you need to do is sign up at
livehealthonline.com or download the app.
• Sign up for free today and get:
• 24/7 access to doctors. They can assess your condition, provide treatment options and even send a prescription to the pharmacy
of your choice, if needed. It's a great way to get care when your doctor isn't available.
• Medical care when you need it. For things like the flu, a cold, sinus infection, pink eye, rashes, fever and more.
• Convenience. Since there are no appointments or long waits. In fact, most people are connected to a doctor in about 10 minutes or less.
Registration instructions:
1 Go to livehealthonline.com or download the app on your mobile device.
2 Select Sign up if you do not have an account or Login if you have already registered.
3 Provide information about yourself and your health issue.
4 If you need assistance, contact Customer Support at 1-888-LiveHealth (1-888-548-3432).
LiveHealth Online: what you need to know
What kind of doctors can you see on LiveHealth Online?
Doctors on LiveHealth Online are:
• Board certified with an average of 15 years of practicing medicine
• Mainly primary care physicians
• Specially trained for online visits
How do I pay for an online visit using LiveHealth Online?
LiveHealth Online accepts Visa, MasterCard and Discover cards as payment for an online doctor visit. Keep in mind that charges for
prescriptions aren't included in the cost of your doctor visit.
LiveHealth Online Psychology
If you're feeling stressed and would like to talk to a licensed psychologist or therapist, you can make your first appointment by going
to livehealthonline.com.
What conditions can be treated when you have a visit with a psychologist or therapist?
You can get help for these types of conditions:
• Stress
• Anxiety
• Depression
• Family or relationship issues
• Grief
• Panic attacks
• Stress from coping with a sickness
8 2019-2020 Summary of Benefits

Critical Illness and Accident Insurance through Guardian
These plans are only available if you enroll in the medical plan.
While our medical options provide great coverage for you and your family's general health care needs, our Critical Illness and
Accident plans offer additional protection against unforeseen illness or injuries. These benefits safeguard your finances so that
you can focus on getting well. If elected, you pay the full cost of these coverages through payroll deductions on an after-tax basis.
These plans are portable, so you can take them with you if you have a change in employment, as long as you continue making
premium payments to Guardian. For more information, please visit SmartBen > My Resources.
Critical Illness*
If serious illness strikes, peace of mind is important, which includes
knowing you have resources to help pay for things like medical
copayments, car payments, rent or mortgage, and utilities.
Guardian's Critical Illness Insurance provides cash to help with the
extra expenses associated with your recovery. Benefits received can
be used to help pay your medical plan deductible and coinsurance.
With Critical Illness Insurance, if you are diagnosed with a covered
illness, you get a lump-sum cash benefit - even if you receive
benefits from other insurance.
Coverage Amounts
• Employee - $5,000, $10,000, $15,000 or $20,000
• Spouse - $2,500, $5,000, $7,500, $10,000
• Child - 25% of employee coverage amount, automatically included
with employee election
Examples Of Covered Illnesses*
• Cancer
• Carcinoma in situ (30% benefit available)
• Heart attack
• Major organ failure
• End-stage renal (kidney) failure
• Coronary artery bypass surgery (30% benefit available)
• Stroke
Critical Illness rates are based on age and tobacco status. Your
rates will be available in SmartBen during the enrollment process.
Accident Insurance
The Accident Insurance plan provides benefits to help cover the
unexpected costs associated with an accidental injury. Most people
don't plan or budget for accidents.
When a covered accident occurs, you want peace of mind in knowing
that you have resources to assist in covering the expenses that may
pile up while you're not at work. Those costs can add up quickly.
If a covered accident occurs, the Accident plan pays benefits
regardless of any other insurance you have. Guardian will
automatically send you a check for covered injuries. You decide the
best way to spend it.
Examples Of Covered Accidents And Injuries
• Emergency Room and ambulance (ground and air)
• Broken bones and burns
• Tooth crowns and extractions (emergency only)
• Torn ligaments, joint dislocations, and ruptured discs
• Cuts repaired by stitches
• Eye injuries
• Concussion
Advantages Of The Plan
• Coverage is available to all eligible employees who are actively at work.
• You can buy coverage for your spouse and dependent children.
• No health questions to answer.
• Benefits are paid for accidents that occur on or off-the-job.
• This pays an additional sum if a covered individual has a serious
injury, such as loss of sight, hearing or a limb.
• No restrictions on how you spend the benefits you received.
Added Benefit: Every insured person under the Critical
Illness and Accident plans also receives a $50 wellness benefit
per calendar year if certain wellness and preventives services
are completed. For more information, please visit SmartBen
> My Resources.
Accident Bi-Weekly Rates
Value Plan
Employee Only $ 7.92
Employee + Spouse $ 12.86
Employee + Child(ren) $ 13.09
Employee + Family $ 18.03
*The Critical Illness plan has a 12/12 pre-existing condition limitation, meaning the plan does not cover conditions that were diagnosed or treated during the
12 months prior to the coverage effective date or for the first 12 months of your Critical Illness plan coverage. If you are enrolling outside of your initial enrollment
period or increasing your coverage, the new or additional benefit will be subject to underwriting. Please complete the Evidence of Insurability form posted on
SmartBen. Your enrollment will not be effective until Guardian approves your application.
Guardian’s Accident and Critical Illness Insurance plans are underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. Policy limitations
and exclusions apply. Optional riders and/or features may incur additional costs. Plan documents are the final arbiter of coverage. The coverage under the Accident and Critical Illness Insurance plans do not
constitute comprehensive health insurance coverage (often referred to as “major medical coverage”) and does not satisfy the requirement of minimum essential cover-age under the Affordable Care Act.
2019-2020 Summary of Benefits 9

DENTAL & VISION
Dental (Guardian)
GPS offers a comprehensive Preferred Provider Organization (PPO) dental plan through Guardian Dental. You can elect dental coverage
even if you don't elect medical coverage through GPS. The plan permits you to use both in-network and out-of-network providers. Network
providers offer larger discounts and can file your claims for you. If you prefer to see an out-of-network provider, keep in mind, because they
are not contracted to accept the negotiated discounted rate, they may charge you for any amount billed in excess of the negotiated
discounted rate. To determine if your dentist is in the network, visit guardiananytime.com > Find a Provider > Search Providers > Select PPO
> Enter your zip code then click Search.
Dental Plan Benefits In-Network Out of Network*
Calendar Year Deductible
Preventive Dental Services
$50 per person / $150 family maximum
Plan pays 100% (no deductible)
Basic Dental Services Plan pays 80%
Major Dental Services Plan pays 50%
Annual Maximum
Orthodontia (child only)
Bi-Weekly Rates (pre-tax)
$3,000 per person
Plan pays 60% (no deductible) with a $1,750 lifetime maximum
Employee Only $5.16
Employee + Spouse $17.96
Employee + Child(ren) $19.40
Employee + Family $31.95
* Out-of-network coverage levels are the same but non-network providers may charge you for any amount billed in excess of the negotiated network charges. This is known as balance billing and
can only occur when using a non-network provider.
Vision (Guardian)
Guardian is also the insurance company for the GPS vision plan. Guardian utilizes the nationally recognized VSP network which
provides availability to an extensive range of providers throughout the country. You can elect vision coverage even if you don't elect
medical coverage through GPS. To locate an in-network provider, Visit guardiananytime.com > Find a Provider > Search Providers
> Find a Vision Provider > Under "Select Your Vision Network" choose Search VSP. Select search by location, enter your preferred
location details, then click Continue.
Vision Plan Benefits
Coverage
In-Network Cost
Out-of-Network
Reimbursement Amount*
Annual eye examination $10 copay Up to $39
Eyeglass frames (once every two calendar years)
100% (Allowance up to $130);
20% off balance over $130
Up to $46
Eyeglass lenses*
$10 copay;
Progressive lenses are covered
(starting at $70 copay)
Single vision - Up to $23
Bifocal - Up to $37
Trifocal - Up to $49
Lenticular - Up to $64
Contact Lenses*
Covered contact lenses selection 100% after $10 copay Up to $210
Elective contact lenses
Bi-Weekly Rates (pre-tax)
$130 allowance
Employee Only $3.52
Employee + Spouse $6.97
Employee + Child(ren) $8.17
Employee + Family $9.75
* Choose either lenses for frames or contact lenses during a calendar year. The plan does not cover benefits for both lens options in the
same calendar year.
10 2019-2020 Summary of Benefits

DISABILITY INSURANCE
(Lincoln Financial)
Employer-Paid Short Term Disability (STD)
GPS Hospitality offers company-paid Short Term Disability coverage to employees who work in the corporate office or are classified as General
Managers. General Managers are eligible beginning the first of the month following completion of one year of continuous service with GPS.
Voluntary Short-Term Disability (STD)
General Managers with less than one year of service and employees classified as Assistant Managers may choose to enroll on a voluntary basis.
If you enroll in the Voluntary program, you will pay the full cost of the program through post-tax payroll deductions. Any benefits you receive will be
considered non-taxable income.
During the first 14 days of your disability, you will not receive any benefit payment. Additionally, if your disability is determined by Lincoln Financial
to be a pre-existing condition, benefits for any disability resulting from the pre-existing condition may be limited or excluded for the 1 st 12 months of
your coverage. A pre-existing condition is a health condition for which you were treated, diagnosed or were prescribed medications for, during the
6 months immediately preceding your effective date on the GPS Voluntary STD plan. For the voluntary benefit, your rate is based on your age as
of your effective date of coverage as follows:
Age Rate/$10 Your cost calculation:
Terms you should know:
Less than 30 $1.180
Cost varies by age and insured benefit amount.
Actual payroll deduction may vary due to rounding.
30 - 34 $1.219
35 - 39 $1.113
40 - 44 $0.979
45 - 49 $1.077
50 - 59 $1.216
60 - 69 $1.254
70+ $1.067
Sample scenario:
32 year old employee, $30,000 annual earnings,
monthly rate from table: $1.219 per $10 of benefit.
Scenario cost calculation:
$30,000 annual earnings = $577 earnings per week
Weekly benefit = 60% x $577 = $346.20
Monthly premium cost:
$346.20/$10 = $34.62 x $1.219 = $42.20
Bi-weekly payroll deduction = $42.20 X 12/26 =
$19.48 taken post-tax
Employer-Paid and Voluntary Short Term Disability Highlights
Pre-Existing Condition: You may not be eligible for
benefits if you have received treatment for a condition
within 6 months prior to your effective date under this
policy until you have been covered under the policy for 12
months.
Integration of Benefits: Your benefits may be reduced
by benefits received from state disability or worker's
compensation programs. The total of all benefits
received from this policy, state disability plans, worker's
compensation programs and your employer's sick
pay plan may not exceed 80% of your income prior to
disability.
Weekly Benefit Max Weekly Benefit Elimination Period: NO benefit payments are available during this period. Maximum Duration
60% $1,000 Accident/Illness: 14 days 26 weeks
Long-Term Disability (LTD)
GPS provides employees who work in the corporate office or are classified as a
General Manager or Assistant Manager with Long Term Disability coverage at
no cost.
The benefit payable is 60% of your monthly pre-disability earnings up to $5,000
per month. Disability benefit payments for work or non-work related injuries or
illness begin on the 181 st day of an accident or illness and can continue for the
duration of the approved disability up to age 65 or your Social Security Normal
Retirement Age. If you become disabled at age 62 or after, your benefits are
payable according to the benefit schedule in your Booklet-Certificate.
During the first 180 days of your disability, you will not receive any benefit payment
unless you have enrolled and been approved for benefits under the GPS voluntary
STD plan. Additionally, under the LTD plan, if your disability is determined by Lincoln
Financial to be a pre-existing condition, benefits for any disability resulting from
the pre-existing condition may be limited or excluded for the 1 st 12 months of your
coverage. A pre-existing condition is a health condition for which you were treated,
diagnosed or were prescribed medications for, during the 3 months immediately
preceding your effective date on the GPS LTD plan.
2019-2020 Summary of Benefits 11

LIFE AND AD&D INSURANCE
(Lincoln Financial)
Life and Accidental Death & Dismemberment (AD&D) insurance
is an important part of your financial security, especially if others
depend on you for support. GPS Hospitality knows how difficult it
can be to provide this peace of mind on your own, which is why we
have made it a priority to give you the ability to build a complete life
and accidental dismemberment insurance package.
Supplemental Life And Dependent Life
Employees who want to supplement their group life insurance
benefits may purchase additional coverage through Lincoln
Financial. When you enroll yourself and/or your dependents in this
benefit, you pay the full cost through bi-weekly payroll deductions.
You can only enroll a spouse and/or dependents if you enroll
yourself for supplemental life insurance.
Basic Life Insurance And Accidental
Death And Dismemberment
GPS Hospitality, through Lincoln Financial, provides Basic Life and
Accidental Death & Dismemberment (AD&D) insurance to eligible
employees. If you are eligible, you will be automatically enrolled to
receive these benefits and you will need to designate a beneficiary
during the enrollment process.
Your company-paid life and AD&D insurance plans provide benefits
upon your death and/or following any accidental injury which results
in a covered personal loss such as loss of a limb or your vision.
Your benefit is as follows:
Level 1 and Level 2 employees:
Salaried and hourly employees working in the corporate office and
those classified as a General Manager or Assistant Manager – your
benefit is equal to your annual earnings up to $100,000; or
Level 3 employees:
Employees classified as Shift Leaders who are working 30 or more
hours per week - your benefit is $15,000.
If your death is due to an accident, both your life policy and your
AD&D policy may pay benefits to your beneficiary. All life and
AD&D benefits are reduced beginning at age 65. Please see your
Booklet-Certificate for details.
SUPPLEMENTAL LIFE INSURANCE RATES
Employee and spouse rates are based on the employee's age as of the plan anniversary (October 1 st ).
When you are first eligible for coverage, you are able to elect up
to the guaranteed issue amount for yourself and your dependents.
If you want to elect coverage for yourself or your dependents after
you are first eligible for coverage, you are considered a “late
entrant” and you must provide proof of good health and be
approved for any amount of coverage by the insurance company.
How much coverage can you buy?
You – You may select life insurance coverage for yourself in increments
of $10,000 up to 5x your earnings or $500,000, whichever is less.
The guaranteed issue amount for you within your initial eligibility period
is $100,000.
Your Spouse – You may select coverage for your spouse in
increments of $5,000 up to 50% of your election or $250,000,
whichever is less. The guaranteed issue amount for your spouse
within the initial eligibility period is $35,000.
Your Child(ren) – You may select coverage for your child in the
amount of $10,000 (Cost: $1.78 per month). Newborn children to age
14 days are not eligible for benefit. Benefit for children age 14 days
to 6 months is limited to $1,000. Coverage is guaranteed issue. One
child policy covers all enrolled children.
For amounts in excess of the guaranteed issue coverage amount, you
or your spouse must provide proof of good health. An Evidence of
Insurability (EOI) form is available from your benefits administrator or
from SmartBen. It is your responsibility to submit the proof of good
health (EOI form) to the insurance company. Lincoln Financial will notify
you directly of their decision and your payroll deduction will be adjusted
accordingly and coincident with the coverage approval date.
Guaranteed Issue is not available to spouse and dependents who are
in a period of limited activity on the day coverage takes effect.
Monthly Rates for Term Life Insurance (rate per $1,000)
Age Employee/Spouse Age Employee/Spouse
0-19 $0.111 50-54 $0.547
20-25 $0.106 55-59 $0.788
25-29 $0.115 60-64 $1.318
30-34 $0.109 65-69 $1.793
35-39 $0.165 70-74 $3.653
40-44 $0.275 75+ $7.711
45-49 $0.431
Your cost calculation
Cost varies by age and coverage amount. Actual payroll deduction
may vary due to rounding.
Sample scenario:
32 year old employee, $50,000 supplemental election for employee only
coverage at monthly rate from table: $0.109 per $1,000 of coverage
Scenario cost calculation:
Monthly premium cost = $50,000/$1,000 = $50 x $0.109 = $5.45
Bi-weekly payroll deduction = $5.45 x 12/26 = $2.52.
12 2019-2020 Summary of Benefits

ADDITIONAL BENEFITS
Employee Assistance Program (EAP)
The Employee Assistance Program is administered by Lincoln Financial. All employees and their household members are eligible.
Services are available 24/7/365 from the website and include some face-to-face sessions for certain needs. Visit the website at
GuidanceResources.com (Username: LFGsupport; Password: LFGsupport1) or call (888) 628-4824, to learn more about the
features of the confidential program. Benefits include but are not limited to the following:
• Financial services: Budgeting, credit and financial guidance, tax questions and retirement planning
• Childcare/Eldercare assistance: Needs assessment or referrals to childcare or eldercare
• Identity Theft services: ID theft prevention, emergency response kit, fraud resolution
• Legal services: Civil, consumer, personal, real estate and family law consultations and estate planning
• Daily Living resources: Information and referrals on event planning, transportation services, pet services and
other personal convenience matters
• Online member services which provide access to extensive content and tools to assist with your well-being
401k Savings Plan and Match
GPS Hospitality is proud to offer our employees a 401(k) retirement
plan. This is a great way to help our employees build a healthy
financial future.
Who’s eligible to participate:
All GPS employees* who are at least 21 years of age, have
completed 12 months** of service, and have completed at least
1,000 hours of service.
Contributions:
Employees can elect to contribute into either a Pre-tax, Roth,
or a combination of the two.
Company Match:
GPS will match 25% (or $0.25 for every dollar) of employee contributions
up to 4% of annual salary. The company match will be calculated with
payroll and deposited into your 401k account each pay period.
Top Right Leader Match:
General Managers and District Leaders can earn an additional
25% match (up to 4% annual salary), to their contributions based
upon two criteria:
1. GPS achieves its company EBITDA targets established at the
beginning of the year. The idea is that as long as GPS is performing
well as a company, then eligible 401(k) participants will benefit from
the additional GPS Match.
2. Eligibility for the additional GPS Match is determined by each
individuals’ ranking on the Top Right Leadership Model. In order
to receive the additional 25% match, your rating must fall in the top
right box of the TRLM.
This contribution will be deposited into your 401k account after annual
review and the match will be based on the prior year contributions.
*Highly Compensated Employee’s are excluded from participating in the plan.
**Your eligibility begins on the 1st of the month following or coinciding with
12 months of service.
Paid Time Off
Paid time off (PTO) provides all eligible employees time away from
work that can be used for holidays, personal time and vacation. PTO
must be scheduled in advance and have supervisory approval. PTO
earnings may be pro-rated during the first year of employment. Please
refer to GPS' Employee Handbook for more detailed information.
All employees working in the corporate office or classified as
a General Manager or Assistant Manager are eligible for the
following PTO days:
• Holidays - Thanksgiving Day and Christmas Day
• Personal Time - 5 days per year to be used for time off
following 3 months of employment
• Vacation - Days may be taken following three months of
employment. Vacation time is earned based on years of
service with GPS and is accrued beginning in January
according to the accrual schedule below:
Years of Service Annual Vacation Days Earned Accrual per Month
1 to 4 years 10 days .833 days
5 to 9 years 15 days 1.25 days
10 or more years 20 days 1.67 days
Employees classified as Full-Time Shift Leaders and Full-Time
Crew Members, working 30 or more hours per week, (a minimum
of 1,560 hours annually) are eligible for a vacation bonus after
completing one year of service. To receive the bonus, eligible
employees must be employed and in position at the time of the payout.*
Job Title
1-2 Years
of Service
3+ Years
of Service
Shift Leaders $400 $500
Full Time Crew Members $250 $350
For more information on this policy, please see the employee
handbook or contact your manager for details.
* Note: Coordination With State Law – GPS Hospitality complies with applicable state and local law in
administering its PTO Policy. When there is a state or local law that mandates that the Company provide
paid sick, personal or vacation time to our employees in a respective geographic area, GPS Hospitality
retains the sole discretion to remove from any or all parts of the Company’s PTO Policy those employees
who are eligible for paid sick, personal or vacation time under the applicable state or local law and solely
apply the applicable state or local paid time off law. Therefore, the shift leader and crew vacation bonus
does not apply to those employees that are covered by the Michigan, New Jersey and Maryland Paid
Medical Leave Act(s).
2019-2020 Summary of Benefits 13

ENROLLMENT INSTRUCTIONS
SmartBen is our online enrollment tool. The site is accessible
via the Internet at SmartBen.com and can be accessed 24 hours
a day, seven days a week. The following tips will help you
prepare for and complete the online enrollment process.
Before You Enroll
Review Your Options & Make Your Choices
Take time to review the information in the Plans section. It will help you
understand your benefit choices. Discuss it with your family, too! Click on
the Plans link at the top of your home page and select a plan to review the
plan details.
10 Steps to Complete Online Enrollment
For benefit questions and assistance with online enrollment, please call
SmartBen Assist at 1-844-283-2432. They are open Monday through Friday
from 8:00 AM to 8:00 PM EST.
STEP 1
Log on to SmartBen.com and enter your Username and password.
Username: GPS+Social Security number, no dashes.
Example Username:
GPS123456789 for Social Security number 123-45-6789.
Password: eight-digit date of birth, MMDDYYYY format.
Example Password: 06101964 for date of birth June 10, 1964.
STEP 2
On the home page, you will see a Benefits Enrollment box. This box has
a countdown of the number of days remaining in your enrollment window.
Underneath the countdown, click on the BEGIN ENROLLMENT button
to start.
STEP 3
On the next page, there is a box with Available Enrollments, telling you
what enrollments are available. Select the appropriate enrollment (NEW
HIRE ENROLLMENT or ANNUAL ENROLLMENT) button to begin your
enrollment session.
STEP 4
You will enter the enrollment process at the Benefit Manager page listing all
your benefit plans.
• To add dependents who will be covered under the plans, click on
MANAGE PEOPLE on the bottom right section of the screen.
• Click on the relationship (Spouse or Dependents) and click on Add
a Spouse or Add a Dependent.
• If someone other than your spouse or child should receive any life
insurance benefits, click on the Beneficiary option.
• Enter your spouse or child's information, or your beneficiary's
information. Check the Yes box under Address, if he/she has the
same address. Enter all other information and save your changes.
Click on MANAGE BENEFITS when done.
NOTE: Adding spouse/dependent/beneficiary information in People Manager
DOES NOT assign coverage to your spouse/dependent. You will assign your
spouse/dependent to each plan individually in order for them to be covered.
STEP 5
Begin enrollment process by selecting a benefit (eg. Medical, dental, vision,
etc) and answer the questions associated with the benefit selected (where
applicable). For example, on medical, check the appropriate box to indicate
your tobacco usage, then click on CONTINUE. Then answer the questions
about spousal coverage, then click CONTINUE.
STEP 6
Once all applicable questions have been answered (only on certain
benefits), you can either elect or waive the coverage. To begin, you will first
need to select which individuals will be covered by making your selection in
the Who is Being Covered box on the right. Then select the plan in which
you want to enroll. The selection you made will turn green. Click the green
CONTINUE button at the top right of the page when you are finished.
To assign your dependent, click the check box next to that dependents
name and click on CONTINUE. To remove, uncheck the box next to the
dependents name.
Repeat Steps 5-6 for each benefit until you have completed
your enrollment.
If you do not wish to enroll in a benefit, once you select it, click on the
gray waive coverage for this benefit button below the coverage options
and select a reason why you are waiving the coverage. Once you have
answered the questions, click CONTINUE.
STEP 7
Once your elections are complete, each benefit will have a green light
next to it. To proceed to the next step, click the green button labeled
ELECT & CONTINUE.
STEP 8
Verify Required Data: If you have not entered all required information,
SmartBen will not process your enrollment. Click on each item in the
Enrollment Task List and SmartBen will take you to the required page for
corrections. Make your corrections, click SUBMIT, ENROLL or SAVE,
whichever is applicable. Be sure to review any items in the Information box
on this task page, click on click here to make changes, and then click the
green CONTINUE button.
STEP 9
Review Confirmation: Review your elections thoroughly. To confirm, enter
your initials at the bottom of the Confirmation page and click CONTINUE.
STEP 10
You have successfully completed the enrollment process! Select the Click
Here link for a copy of your Confirmation Statement.
14 2019-2020 Summary of Benefits

WHO TO CONTACT
Benefit Company/Administrator Website/Email Phone Number
Medical Anthem Blue Cross Blue Shield www.anthem.com 855-889-5682
Health Savings Account HealthEquity www.HealthEquity.com 866-346-5800
Dental (Group ID 541955) Guardian (DentalGuard Preferred) www.guardiananytime.com 888-600-1600
Vision (Group ID 541955) Guardian (VSP Choice Network) www.guardiananytime.com 888-600-1600
Life and AD&D Lincoln Financial Group www.lfg.com 800-423-2765
Disability Insurance Lincoln Financial Group www.lfg.com 800-423-2765
Group Accident / Critical Illness
(Group ID 541955)
Employee Assistance Program
Guardian www.guardiananytime.com 888-600-1600
Lincoln Financial Group with
Guidance Resources
www.guidanceresources.com
Username: LFGsupport
Password: LFGsupport1
888-628-4824
Enrollment System SmartBen www.SmartBen.com 844-283-2432
Benefit Resource Center USI Insurance BRCSouth@usi.com
855-874-0835
401(k) Mass Mutual www.massmutual.com
800-854-0647
This summary is not a legal document and does not replace or supersede the "Evidence of Coverage", policy, or the Summary Plan Description. Please refer to the Evidence of Coverage/insurance
policy/Summary Plan Description for a complete description of the coverage, eligibility criteria, controlling terms, exclusions, limitations, and conditions of coverage.
GPS Hospitality reserves the right to terminate, suspend, withdraw, reduce, or modify the benefits described in the Evidence of Coverage/policy/Summary Plan Description in whole or in part, at
any time. No statement in this or any other document and no oral representation should be construed as a waiver of this right. This summary is the confidential property of GPS Hospitality.
2019-2020 Summary of Benefits 15

Annual notices and all plan documents are available on SmartBen.com.
Printed copies can be requested by contacting the Human Resources Department.