Employee Benefits at

United Dredging

Investing in Our People

To use God given raw materials to build lasting infrastructure that strengthens our faith, family and relationships, allowing us to reinvest the blessings of our efforts.

United Dredging is proud to provide a comprehensive benefit package for all full-time employees. This guide summarizes your complete 2026 benefits.

Who Is Eligible

All full-time employees are eligible.

When Coverage Starts

Medical/Dental/Vision: 60 Days, 401(k) 90 Days

Dependent Coverage

Spouse + Children up to Age 26 + Cost-Shared

Health Insurance - Provider: Cigna

Employee Health Coverage
- UD PAYS 100%
  - Plan: eDIYBS Gold E202 · Plan Type: Co-pay ·
  - Deductible Type: Embedded Deductible: $3,250 individual / $6,500 family, Out-of-Pocket Max: $3,250 / $6,500
    - Primary Care: $30 Specialist: $50 Urgent Care: $50 Emergency Room: $400
    - Preventive & Wellness: 100% covered X-Ray / Lab: 0% after deductible
    - Prescriptions: $0 Tier 1 · $35 or 25% Tier 2 · $75 or 45% Tier 3
Dependent Premiums (Bi-Weekly)
- UD covers 50% of the Gold Plan for dependents. Employee pays the remaining balance bi-weekly:
- Employee + Spouse: $174.00 · Employee + Child(ren): $118.62 · Family: $292.62
Buy-Up Options (Platinum Plan)
- Upgrade to the eDIYBS Platinum E100 for lower out-of-pocket costs. Employee pays the difference bi-weekly.
- Deductible: $250 / $500 · Out-of-Pocket Max: $1,250 / $2,500 · Lower copays across the board
- Additional cost: Employee only +$21.23 · +Spouse +$222.00 · +Child +$157.85 · Family +$358.62

Dental, Vision, & Life Insurance - Provider: Nippon Benefits / Nippon Life

UD PAYS 100%
- Dental Insurance (Plan 1)
  - Provider: Nippon Benefits · Network: ADA · Eligible: Full-time employees
  - Preventive: 100% covered · Basic services: 80% · Major services: 50%
  - Annual maximum: $1,500 · Implants included · Dependents covered to age 26
  - Plan 2 Buy-Up ($2,000 max) bi-weekly cost difference: Employee Only +$2.71 · +Spouse +$5.57 · +Children +$6.05 · Family +$9.31
- Vision Insurance
  - Provider: Nippon Benefits · Network: EyeMed Insight · Eligible: Full-time employees
  - Annual eye exam: $10 copay in-network · Frames: $130 allowance (every 24 months)
  - Contacts or lenses: $130 allowance (annually) · Laser vision correction: 15% off retail
- Basic Life and AD&D Insurance
  - Provider: Nippon Life Benefits · Benefit: Flat $50,000 — all eligible full-time employees
  - Accidental Death & Dismemberment (AD&D) benefit included at the same level
  - Accelerated death benefit included · Age reduction schedule applies at age 65+

401(K) Retirement Savings Plan - Provider: Capital Group, home of American Funds

Company Match
- UD UP TO 4% Match
  - 100% match on the first 3% of compensation contributed · 50% match on the next 2% = 4% maximum company match.
  - Employee contributions & safe harbor match contributions: 100% vested immediately.
Eligibility & Vesting
- Must be 18+ years of age · Entry: first of month following age 18 and 90 days of service.
- Pre-tax and/or Roth deferrals available (subject to IRS limits) · Rollovers from prior plans accepted.
Profit Sharing
- Discretionary contribution at UD’s discretion · Separate from the 401(k)-company match.
- Eligibility begins after 90-day probationary period · Team members must be in good standing and active at time of payout to receive.
- Eligible employees may participate in our profit-sharing program. Based on recent company performance, a typical eligible first-year employee earned approximately $3,400 annually in profit-sharing payouts. Amounts vary and are not guaranteed.

Questions? Capital Group / American Funds – Phone: (800) 421-6019 – Email: RKDirect@capitalgroup.com

Supplemental Insurance (Optional) - Assurity & Aflac: Employee Paid

These plans are 100% employee-paid — UD does not contribute to supplemental coverage. Benefits pay cash directly to you (not to a provider), and all plans are fully portable if your employment status changes.

Accident ( Assurity)
- Cash benefits for covered accidents: ER visits, ambulance, X-rays, surgery, physical therapy, lodging, and more.
- Initial treatment: $150–$300 · Ambulance: $300 ground / $900 air · Blood/plasma: $900 · Diagnostic exams: $15
Critical Illness (Assurity)
- Lump-sum payout upon diagnosis: heart attack, stroke, cancer, kidney failure, organ transplant, Alzheimer’s, paralysis, coma, and more
- Additional diagnosis and reoccurrence benefits included · Return of premium for non-critical-illness death
Hospital Indemnity (Assurity)
- Hospital admission: $2,000 lump sum · Daily confinement: $200/day (up to 30 days) · ICU: $400/day (up to 10 days)
- Inpatient surgery: up to $500 · Outpatient surgery: up to $200 · Anesthesia: $100
Short-Term Disability (Assurity)
- Pays a weekly benefit when you are unable to work due to a covered off-the-job illness or injury
- Partial return-to-work benefit: 50% of weekly benefit · Childbirth: 6 weeks (non-C-section) / 8 weeks (C-section
Cancer (Aflac)
- Initial diagnosis: $5,000 (employee/spouse) / $10,000 (dependent child)
- Radiation/chemo: up to $1,600/month · Annual care: $500/year up to 5 years · Surgery, hospitalization, and more covered

Employee Benefits at

United Dredging

Investing in Our People

Who Is Eligible

All full-time employees are eligible.

When Coverage Starts

Medical/Dental/Vision: 60 Days, 401(k) 90 Days

Dependent Coverage

Spouse + Children up to Age 26 + Cost-Shared

Employee Health Coverage

UD PAYS 100%

Plan: eDIYBS Gold E202 · Plan Type: Co-pay ·

Deductible Type: Embedded Deductible: $3,250 individual / $6,500 family, Out-of-Pocket Max: $3,250 / $6,500

Preventive & Wellness: 100% covered X-Ray / Lab: 0% after deductible

Prescriptions: $0 Tier 1 · $35 or 25% Tier 2 · $75 or 45% Tier 3

Dependent Premiums (Bi-Weekly)

UD covers 50% of the Gold Plan for dependents. Employee pays the remaining balance bi-weekly:

Employee + Spouse: $174.00 · Employee + Child(ren): $118.62 · Family: $292.62

Buy-Up Options (Platinum Plan)

Upgrade to the eDIYBS Platinum E100 for lower out-of-pocket costs. Employee pays the difference bi-weekly.

Deductible: $250 / $500 · Out-of-Pocket Max: $1,250 / $2,500 · Lower copays across the board

Additional cost: Employee only +$21.23 · +Spouse +$222.00 · +Child +$157.85 · Family +$358.62

UD PAYS 100%

Dental Insurance (Plan 1)

Provider: Nippon Benefits · Network: ADA · Eligible: Full-time employees

Preventive: 100% covered · Basic services: 80% · Major services: 50%

Annual maximum: $1,500 · Implants included · Dependents covered to age 26

Plan 2 Buy-Up ($2,000 max) bi-weekly cost difference: Employee Only +$2.71 · +Spouse +$5.57 · +Children +$6.05 · Family +$9.31

Vision Insurance

Provider: Nippon Benefits · Network: EyeMed Insight · Eligible: Full-time employees

Annual eye exam: $10 copay in-network · Frames: $130 allowance (every 24 months)

Contacts or lenses: $130 allowance (annually) · Laser vision correction: 15% off retail

Basic Life and AD&D Insurance

Provider: Nippon Life Benefits · Benefit: Flat $50,000 — all eligible full-time employees

Accidental Death & Dismemberment (AD&D) benefit included at the same level

Accelerated death benefit included · Age reduction schedule applies at age 65+

Company Match

UD UP TO 4% Match

100% match on the first 3% of compensation contributed · 50% match on the next 2% = 4% maximum company match.

Employee contributions & safe harbor match contributions: 100% vested immediately.

Eligibility & Vesting

Must be 18+ years of age · Entry: first of month following age 18 and 90 days of service.

Pre-tax and/or Roth deferrals available (subject to IRS limits) · Rollovers from prior plans accepted.

Profit Sharing

Discretionary contribution at UD’s discretion · Separate from the 401(k)-company match.

Eligibility begins after 90-day probationary period · Team members must be in good standing and active at time of payout to receive.

Eligible employees may participate in our profit-sharing program. Based on recent company performance, a typical eligible first-year employee earned approximately $3,400 annually in profit-sharing payouts. Amounts vary and are not guaranteed.

Questions? Capital Group / American Funds – Phone: (800) 421-6019 – Email: RKDirect@capitalgroup.com

Accident ( Assurity)

Cash benefits for covered accidents: ER visits, ambulance, X-rays, surgery, physical therapy, lodging, and more.

Initial treatment: $150–$300 · Ambulance: $300 ground / $900 air · Blood/plasma: $900 · Diagnostic exams: $15

Critical Illness (Assurity)

Lump-sum payout upon diagnosis: heart attack, stroke, cancer, kidney failure, organ transplant, Alzheimer’s, paralysis, coma, and more

Additional diagnosis and reoccurrence benefits included · Return of premium for non-critical-illness death

Hospital Indemnity (Assurity)

Hospital admission: $2,000 lump sum · Daily confinement: $200/day (up to 30 days) · ICU: $400/day (up to 10 days)

Inpatient surgery: up to $500 · Outpatient surgery: up to $200 · Anesthesia: $100

Short-Term Disability (Assurity)

Pays a weekly benefit when you are unable to work due to a covered off-the-job illness or injury

Partial return-to-work benefit: 50% of weekly benefit · Childbirth: 6 weeks (non-C-section) / 8 weeks (C-section

Cancer (Aflac)

Initial diagnosis: $5,000 (employee/spouse) / $10,000 (dependent child)

Radiation/chemo: up to $1,600/month · Annual care: $500/year up to 5 years · Surgery, hospitalization, and more covered

100% Employer-Paid Insurance

Medical, dental, and vision covered completely for full-time employees.

401(k) & Profit Sharing

We invest in your future with company match and profit-sharing oppurtunities.

Overtime & Growth

You don’t need a degree to build a six-figure career. We promote from within.

Ready to join the team?

uniteddredging