Pension Plans. Employer Type of Plan Eligibility Vesting Schedule Normal Form of Benefit Definition of Pay Employee Contribution
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1 Benefit Plan Provisions Pension Plans Employer Type of Plan Eligibility Vesting Schedule Normal Form of Benefit Definition of Pay Employee Contribution Lockheed Martin Traditional defined Any age and any service 5 years of service: 100% Single: life only Base pay, SRA, MICP, None Corporation (LMC) benefit plan Married: reduced joint lump sum in lieu of merit and 50% survivor Final average pay: High 3 years of final 10 Final average pensionable earnings updated with current ULA earnings as of 12/25 each year until LMC pension commences. ULA Cash balance plan Any age and any service 5 years of service: 100% Single: life only Base pay and additional None (includes LMC + ULA Married: reduced joint 4% incentive plan service) and 50% survivor
2 Employer Retirement Rules Normal Retirement Benefit Early Retirement Benefit Supplemental Benefit Lockheed Martin Unreduced: benefit available at age 1.25% of final average pay up to Social Security Accrued benefit reduced 5% per year prior to An employee retiring from Corporation 60 with 5 years of service if retiring covered compensation times service up to 35 age 60 if retiring from active service from either LMC or ULA active service from active service from either LMC years LMC credited service, plus 1.50% of final LMC or ULA. who is at least age 60 with or ULA average pay over Social Security covered 10 years of benefit eligibility Reduced: benefit available at age 55 with 5 years of service compensation times service up to 35 years, plus 1.50% of final average pay times service over 35 years. Employees who leave LMC or ULA prior to age 55 with at least 5 years service (terminated vested employees) will be eligible for a reduced LMC pension benefit if retirement commences prior to age 65. Reduction factors will be higher than the reduction factors for employees terminating from ULA or LMC after age 55. service between LMC and ULA is eligible for the monthly supplement, which is calculated by multiplying # years of LMC credited service (maximum of 25 years) X $25/mo + $200/mo. The supplement is payable to age 62. ULA Employee receive the higher of (1) Varies based on age: None (1) Credit based formula - Benefit available at age 65, age 62 with 1 year of service or age 55 with 10 years of service Age % credit < 30 3% 30 to to to 44 7 (1) No reduction for credit based formula or 45 to Interest credits: Minimum annual 5.25% annually Cash balance converted to an annuity by dividing by 11 if eligible for retirement; benefit then divided by 12 for the monthly benefit (2) Minimum monthly benefit (2) Minimum monthly benefit is $60 times ULA service (2) Accrued benefit is reduced 4% per year prior to age 65 for the minimum formula only.
3 Savings Plans Employer Type of Plan Eligibility Definition of Pay Employer Contributions Employee Contributions Vesting Schedule Lockheed Martin Corporation 401(k) plan For plan participation: any age Base pay Matching contribution: 50% Pretax: up to 17% Immediately: 100% and any service match on contributions of 1% to 8% After-tax: up to 17% Note: Matching contribution is Total: up to 17% in LMC stock ULA 401(k) plan For plan participation: any age Base pay Matching contribution: 75% Pretax: 20% Immediately: 100% and any service match on contributions of 1% to 8% After-tax: 20% Total: 20% All qualified plans must follow legislative regulations regarding maximum contributions allowed
4 Medical Employer Type of Plan Eligibility Annual Deductibles Co-Pay Amounts Out of Pocket Limits Employee Contribution Lockheed Martin HMO plan Immediate Individual: none Inpatient surgery: 100% Individual: none Varies, based on cost of plan Corporation Family: none Inpatient hospitalization: 100% Family: none Outpatient surgery: 100% Physician office visits: 100% with a $20 copay per visit Emergency room visits: 100% with a $100 copay per visit (waived if admitted) Prescription drug coverage: Generic: $10 retail, $20 mail order Brand formulary: $20 retail, $40 mail order Brand nonformulary: $40 retail, $80 mail order ULA HMO plan Immediate Individual: none Inpatient surgery: 100% Individual: none Varies, based on cost of plan Family: none Inpatient hospitalization: 100% Family: none Outpatient surgery: 100% Physician office visits: 100% with a $20 copay per visit Emergency room visits: 100% with a $100 copay per visit (waived if admitted) Prescription drug coverage: Generic: $10 retail, $20 mail order Brand formulary: $20 retail, $40 mail order Brand nonformulary: $40 retail, $80 mail order
5 Employer Type of Plan Benefit Category Employee Contribution Lockheed Martin Corporation Consumer directed PPO Deductible Health Reimbursement Account Out-of-Pocket Expenses Lifetime Maximum Co-Insurance Network Drugs Non-network Drugs Mental Health and Substance Abuse $1,000-$3,000 (individual/family) $500-$1,500 (individual/family) $2,500 per person network $5,000 non-network $2,000,000 85% network 70% non-network 100% certain preventative Generic: 20% to max $25 ($50 mail order) Brand: 20% to max $75 ($150 mail order) 50% 85% network; no coverage for non-network Varies, based on cost of plan
6 Employer Type of Plan Benefit Category Employee Contribution Lockheed Martin Corporation Consumer directed PPO Deductible Health Reimbursement Account Out-of-Pocket Expenses Lifetime Maximum Co-Insurance Network Drugs Non-network Drugs Mental Health and Substance Abuse ULA Consumer directed PPO Deductible Health Reimbursement Account Out-of-Pocket Expenses Lifetime Maximum Co-Insurance Network Drugs Non-network Drugs Mental Health and Substance Abuse $1,000-$3,000 (individual/family) $500-$1,500 (individual/family) $2,500 per person network $5,000 non-network $2,000,000 85% network 70% non-network 100% certain preventative Generic: 20% to max $25 ($50 mail order) Brand: 20% to max $75 ($150 mail order) 50% 85% network; no coverage for non-network $1,000-$3,000 (individual/family) $500-$1,500 (individual/family) $2,500 per person network $5,000 non-network $2,000,000 85% network 70% non-network 100% certain preventative Generic: 20% to max $25 ($50 mail order) Brand: 20% to max $75 ($150 mail order) 50% 85% network; no coverage for non-network Varies, based on cost of plan Varies, based on cost of plan
7 Medical Benefits for Retirees Employer Age or Service Requirements Pre Age 65 Coverage Provisions Age 65 and Over Coverage Provisions Lockheed Martin Corporation Eligibility: age 55 with 5 years of service PPO or HMO Medicare supplement or senior HMO LMC employees who transfer to ULA and Retiree cost of the plan will be are at least age 45 with at least 5 years of determined by using LMC plus service or have at least 25 years of ULA service (benefit eligibility service at time of closing will retain service) if eligibility has been met eligibility for LMC retiree medical provided under the age and service the employee stays with ULA until they requirements by the close date. are eligible for early retirement (at least age 55 with at least 5 years of service). ULA N/A N/A N/A
8 Dental Employer Eligibility Annual Deductibles Co-pay Amounts Annual Dental Maximum Lifetime Ortho Maximum Employee Monthly Contribution Lockheed Martin Immediate (1) Comprehensive (1) Diagnostic (exams, diagnostic X-rays): (1) $1,200 (1) $1,000 (1) Approx 15% of Corporation Plan 90% plan cost Individual: $50 Family: $100 Minor restorative services (fillings): 80% Endodontic services (root canal therapy): 80% Other major restorative services (crowns, Deductible does not apply to diagnostic bridges): 60% Orthodontic services: 50% services. (2) Comprehensive Plus Plan No deductible (2) Diagnostic (exams, diagnostic X-rays): 100% Minor restorative services (fillings): 90% Endodontic services (root canal therapy): 90% Other major restorative services (crowns, (2) $1,500 (2) $1,500 (2) Difference between the company subsidy for the Comprehensive Plan and the cost of Comprehensive Plus bridges): 80% Orthodontic services: 50% ULA Immediate Individual: $50 Diagnostic (exams, diagnostic X-rays): 100% Annual maximum: Lifetime Approx 15% of plan Family: $150 Minor restorative services (fillings): 80% $2,000 maximum: $2,000 cost Endodontic services (root canal therapy): 60% Deductible does not Other major restorative services (crowns, apply to diagnostic bridges): 60% services. Orthodontic services: 50% Note: Pre-paid managed dental plans will continue to be offered in those locations where they are available
9 Vision Employer Eligibility Coverage Lockheed Martin Immediate Annual exam Approx 15% of Corporation Lenses and frames every 2 years plan cost Reimbursement based on scheduled maximums ULA Immediate Annual exam TBD Lenses and frames every 2 years Reimbursement based on scheduled maximums
10 Life Insurance Employer Eligibility Life Insurance Amount Basic Life Insurance Employee Monthly Contribution Accidental Death & Dismemberment (AD&D) Lockheed Martin Immediate 2.0 times pay None Optional coverage only Corporation Maximum benefit: $2,000,000 ULA Immediate 2.0 times pay Maximum benefit: $2,000,000 None $25,000 Optional coverage up to a maximum of $500,000 available
11 Short Term Disability Employer Eligibility Elimination Period STD Benefit Benefit Duration Employee Contribution Lockheed Martin Immediate Accident: immediate Percent of pay: 100% If service is less than None Corporation Sickness: immediate Minimum weekly benefit: none 6 months, benefit is Hospitalization: immediate Maximum weekly benefit: none limited to length of Social Security offset: none service; otherwise 26 weeks ULA Immediate Accident: immediate Percent of pay: 100% If service is less than None Sickness: immediate Minimum weekly benefit: none 6 months, benefit is Hospitalization: immediate Maximum weekly benefit: none limited to length of Social Security offset: none service; otherwise 26 weeks
12 Long Term Disability Employer Eligibility Elimination Period LTD Benefit Employee Contribution Lockheed Martin Corporation Immediate 6 months Percent of pay: 50 or 60% Minimum monthly benefit: $200 Maximum monthly benefit: $10,000 Social Security offset: 100% individual and 75% family Employee-pay-all Bonus is not included in definition of pay ULA Immediate 6 months Percent of pay: 50% or 60% Minimum monthly benefit: $200 Maximum monthly benefit: $10,000 Social Security offset: 100% individual and 75% family Employee-pay-all Bonus is not included in definition of pay
13 Vacation and Holiday Employer Vacation Schedule Holidays Lockheed Martin Corporation ULA Immediately to 1 year of service: accrue up to 10 days 1 to 4 years of service: 10 days 5 to 15 years of service: 15 days 16 years of service: 16 days 17 years of service: 17 days 18 years of service: 18 days 19 years of service: 19 days 20 or more years of service: 20 days Immediately to 1 year of service: accrue up to 10 days 1 to 4 years of service: 10 days 5 to 9 years of service: 12 days 10 to 11 years of service: 15 days 12 to 13 years of service: 16 days 14 to 15 years of service: 17 days 16 to 17 years of service: 18 days 18 or more years of service: 20 days 12 fixed holidays, No floating holidays 12 fixed holidays, No floating holidays
14 Incentive Pay Program Employer Lockheed Martin Corp. ULA Special Bonus None Employees will be eligible for an annual bonus payment. It is assumed that on average the bonus will be 4% of pay. Note: While this sheet outlines what we expect to be the provisions of the medical and other insurance plans to be offered by ULA, the plans are not yet in final form, so the actual details of the ULA plans may vary slightly from those described in this sheet. This chart reflects the benefits that are currently anticipated to be implemented for ULA employees. ULA will have the right to change its benefit plans at any time in the future, just as Lockheed Martin Corporation reserves the right to change its benefit plans at any time. This matrix is intended as a high-level summary comparison of LMC and proposed ULA benefits. For detailed information on LMC benefit plans, please consult the appropriate summary plan description. Updated: July 13, 2005
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