Benefits Summary

Medical Insurance
Dental Insurance
Life & AD & D Insurance
Salary Continuation
Savings Plans (include 401k,ESPP,529)
Time Off

INSURANCE

Medical Insurance - Blue Cross/Blue Shield New England
HMO Blue

All care in-network with primary care physician referral covered 100% (after $5 co-pay for office visits).

Blue Choice NE

Use of network covered 100% with primary care physician referral (after $10 co-pay for office visits).

Non-network or non-referred care subject to calendar year $250 deductible
($500 per family) and 20% co-insurance with a $1,000 out-of-pocket maximum ($2,000 per family).

Blue Care Elect Preferred - For employees living outside New England

Use of PPO network providers covered 100% (after $10 co-pay for office visits). Non-network care subject to calendar year $250 deductible ($500 per family) and 20% co-insurance with a $1,000 out-of- pocket maximum ($2,000 per family).

Dental Insurance - Blue Cross Dental

Blue Cross Dental uses a network of providers in NE, (no network outside NE) and pays 100% for preventive services, 80% for basic services, and 50% for major services to a maximum of $1,500 per individual per calendar year. Orthodontic coverage is offered for children up to age 19 at a minimum of $1,000. For Medical and Dental Insurance, Aspect pays 80% of the premium.

Life Insurance - Reliance Standard

Reliance Standard provides life insurance for 2x salary, with a dependent life benefit. Aspect pays 100% of the premium and coverage starts on the hire date.

BTA Insurance

Business travel insurance, Accident Insurance.

AD&D Insurance

Reliance Standard provides Accidental Death and Dismemberment coverage for 2x salary. Aspect pays 100% of the premium and coverage starts on the hire date.

Salary Continuation Plan

Reliance Standard short- and long-term disability plans provide coverage of 60% of earnings. Aspect pays 100% of the premium.

All coverage begins on date of hire.

SAVINGS PLANS

Aspect 401 (k) Plan

Employee is eligible to invest up to 20% of earnings (IRS 2006 maximum $15,000) through payroll deduction to earn investment income through 19 different investment vehicles. Quarterly enrollment is in January, April, July and October. Aspect offers a matching contribution that consists of 50% of the first 6% of compensation. Money contributed by your employer is subject to the following vesting schedule:

Service, for vesting purposes, starts from your original date of hire.

Section 125 Plan/Flex Spending

Employees contributions of up to $2,000 per year toward unreimbursed medical/dental expenses may be paid with pre-tax dollars.

Employee Stock Purchase Plan (ESPP)

After 3 months of employment, employees are eligible to contribute 1%-10% of earnings into our ESPP through payroll deduction. Open enrollment periods for the ESPP are June and December.

529 College Savings Plan

You can put away as little as $50 a month into Fidelity's 529 plan for your family's higher education needs. This benefit is available through payroll deduction.

TIME OFF

Holidays

Ten paid company and two personal/floating holidays per year.

Vacation

0 - 4 years of service - 15 days (1.25 days per month)

Beginning of year 5 - 20 days (1.67 days per month)

Vacation accrues monthly from date of hire; employees may carry forward 5 vacation days each year to year.

Sick Leave

Sick days accrue at 1/2 day per month from date of hire; they are not carried forward.

Most benefits are offered to regular full-time or part-time employees working a minimum of 30 hours per week.