Employees and their families have an option to select an HMO plan.

HMO Plan
ISF provides employees with the Blue Cross/Blue Shield HMO plan in Jacksonville or the Capital Health Plan in Tallahassee at no cost. For full-time employees, ISF pays 100% of the HMO premium. Spouse and/or dependents may be enrolled at the cost of the additional group rate premium.

Enrollment and Eligibility
Eligibility for group health insurance begins on the first day of the month following a 30-day waiting period. Employees who are not eligible for ISF-provided health insurance but who are scheduled to work at least 25 hours per week may purchase the insurance at the group rate.

A Dental and Vision Insurance Plan coordinated by ISF helps eligible employees receive dental / vision services within a network of providers. Spouse and dependents may also be eligible. Premiums for the plan may be payroll deducted by the employee at group plan rates. Upon optional enrollment, a list of participating dental and eye care professionals will be mailed to you. As part of the enrollment process, our Section 125 Premium Only Cafeteria Plan offers employees an opportunity to contribute their portion of the premium costs for their group medical, dental, and vision plans on a before tax basis.

Group term life insurance and accidental death and dismemberment benefits are provided to eligible full-time employees

Life
ISF pays the premium for coverage of one times your salary, up to $250,000.

Accidental Death and Dismemberment
ISF pays the premium for coverage up to one times salary up to $250,000.

Eligibility
You are eligible for ISF's basic group life insurance plan on the first day of the month following a 30-day employee waiting period. A certificate of coverage will be issued to each employee. The benefit will be reduced based upon your attained age while working as follows: Attained age 65, reduced by 35%; Attained age 70, reduced by 50%

ISF understands that for most of us income is our most important financial resource. We recognize the importance of protecting your income against the possibility of a long-term disability. There is no cost to full-time employees for ISF's long-term disability plan (LTD). The premium is paid 100% by ISF. Benefits begin if you are disabled for more than 90 days due to accident or illness. In the event that you become disabled for over 90 days, the ISF LTD plan will provide you with 60% of your W-2 (salary and commission based on prior year) earnings (not to exceed $5,000 per month).

The 401(k) plan is provided as a means to contribute towards your retirement and delay paying taxes on income being earned now. The fundamental principal of the 401(k) is to allow you to contribute a portion of your salary towards a retirement-income plan.

Employee Contributions
You may contribute as much as 15% of your base salary to your 401(k) plan up to the maximum set by the IRS each year. You are always 100% vested in the contributions that are deducted from your paycheck on a pre-tax basis.

Employer Contributions
Effective March 1, 2006, ISF matches employee contributions at a rate of $.25 for every $1.00 for the first 10% contribution each month. You become fully vested in company matching contributions after completing five years of vested service. Employer contributions are an optional company benefit, based on company profitability.

Holidays
ISF observes the following eight holidays for full-time employees:

	New Years Day
	Memorial Day
	Fourth of July
	Labor Day
	Thanksgiving Day
	Friday after Thanksgiving
	Christmas Eve
	Christmas Day

Paid Time Off
In addition to eight paid holidays per fiscal year, ISF provides Paid Time Off (PTO) for full-time employees. This includes time for vacations, personal holidays not recognized by ISF, and occasional short-term illness. The accrual rate for this benefit is based on continuous years of service.

Annual PTO accrues monthly based on length of service from the date of full-time employment, as shown on the following schedule:

	0-5 years: 16 days
	6-9 years: 21 days
	10+ years: 26 days

Paid time off may be carried over from year-to-year, up to the annual accrual rate reflected on the following schedule (effective November 1, 2007):

	0-5 years: 16 days
	6-9 years: 21 days
	10+ years: 26 days

Any excess paid time off will be lost without compensation as of the end of the fiscal year (October 31st).

Bereavement Leave
In the event of a death in the immediate family, ISF provides paid leave of up to 5 days. An immediate family member is considered to include father, mother, brother, sister, grandfather, grandmother, spouse, child, mother-in-law, and father-in-law.

Jury Duty
ISF believes that jury duty is a civic responsibility; therefore, employees who are summoned for jury duty will receive up to one week of full compensation annually with no deduction of any juror fees. Any jury duty beyond one week annually will be compensated at 50 percent of an employee's normal rate.

Good Will Letters
The ISF CEO will award $100 to any employee named in a "good will letter" from a client executive.

Publication Incentive
The ISF CEO will award employees $50 - $1,000 per published article depending on the exposure the article creates for ISF.

Tuition Reimbursement
ISF values employees who are continual learners. ISF reimburses for up to 100% of in-state, state university, or community college tuition costs for approved courses that expand an employee’s knowledge in a job-related field. The employee must earn a grade of A or B to be reimbursed at 100%, C to be reimbursed at 50%.

Tuition reimbursement is limited to the cost of in-state undergraduate level courses. Masters level job-related courses are eligible for partial reimbursement up to the cost of in-state undergraduate level courses.

Courses must be scheduled outside work hours and individuals must be employed by ISF on the first day of class to be eligible for tuition reimbursement. Books, fees, and tuition paid by other agencies are not eligible for reimbursement.

Certifications
Certification examination measures an individual's competency level against an objective industry standard; therefore, achieving selected certifications verifies an individual's superior ability in the field and places him or her in a very select group. ISF provides a financial incentive for a variety of project management, Microsoft, and Oracle certifications.

Schedules
Depending upon client requirements, ISF makes available flexible 5-day work schedule arrangements. To apply for a flexible schedule, consult your supervisor.

Situational Dress
Depending on the situation, employees may choose professional or business casual dress. Fridays are considered causal day.

ISF is a drug free workplace and complies with Florida Statute 440.101 and 440.102.

Ample free parking is available at both ISF offices.

Holidays
CE Broker observes the following nine holidays for full-time employees:

	New Years Day
	Birthday of Martin Luther King, Jr.
	Memorial Day
	Fourth of July
	Labor Day
	Veteran's Day Observance
	Thanksgiving Day
	Friday after Thanksgiving
	Christmas Day

Paid Time Off
In addition to eight paid holidays per fiscal year, CE Broker provides Paid Time Off for full-time employees. This includes time for vacations, personal holidays not recognized by CE Broker, and occasional short-term illness. The accrual rate for this benefit is based on continuous years of service. Your annual paid time off allowance accrues monthly based on your length of service from the date of full-time employment, as shown on the following schedule:

	0 - 5 years 15 days
	6 - 9 years 20 days
	10+ years 25 days

Paid time off may be carried over from year-to-year, up to the annual accrual rate reflected on the following schedule:

	0 - 5 years 15 days
	6 - 9 years 20 days
	10+ years 25 days

Any excess paid time off will be lost without compensation as of the end of the fiscal year (October 31st).