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OPEN ENROLLMENT 2010

DELIVERING HEALTHY CHOICESDear Valued Associate:

Did you know that regardless of which UNFI medical plan you enroll in your annual physical is covered 100%? Did youknow that you can save anywhere from $40-$160 a year by using mail order pharmacy for your maintenance medication?Information is essential for you to make the right decisions. The materials we send you each and every year during theopen enrollment period are designed to provide you with what you need to know in a clear and concise manner. Howeverit is about more than simply creating these materials, and more than you simply reading them. It is about what you do withthis information we hope that you use it to make enrollment decisions that best fit you and your family.

In the coming year, we are raising the bar on our goal of connecting you with the right information with the introduction ofUNFIs Body & Mind Wellness Program. This program is intended to help remove some of the hurdles that may standbetween you and your good health by giving you the opportunity to become more informed about your own health risksOnsite health screenings will start in May 2010 where you can find out your cholesterol, glucose, blood pressure, bodymass index (BMI), as well as complete a Health Risk Assessment which will all come together in a personalized riskassessment report. The ultimate goal of this program, however, is not just to get the right information into your hands, it isto help you use that information to take action, be active, and sustain the good health of your body and mind.

We will share more information in the coming weeks as well as a schedule of the events to come. This program will be along term initiative and is funded entirely by UNFI further supporting our commitment to offering affordable benefits withyour wellbeing in mind.

As always, your local Human Resources Team will be offering informational sessions during the open enrollment period tohelp you navigate the enrollment process and to learn more about your benefit programs including the new wellnessprogram. I encourage you to take the time to attend those sessions to make sure you are getting the most that youpossibly can out of your benefit program.

Be well!

Deirdre A. MendenhallDirector, Benefits, Compensation & HRIS

IMPORTANT INFORMATION FOR PLAN YEAR 2010-2011The 2010-2011 Open Enrollment period is an Active Enrollment period which means that you MUST RE-ELECT your benefits,even if you are not making changes. All changes noted below become effective on June 1, 2010.

Medical and Prescription Drug CoverageThere will be no changes to co-pays, deductibles, co-insurances, etc. for the 2010-2011 plan year with the exception of mentalhealth care and substance abuse care. These benefits will no longer have any inpatient day limits or outpatient visit limits. Youwill see a modest increase in your cost.

Dental CoverageThe dental plan options and coverage levels will remain the same as current, and there will be no increase in your cost for theseprograms for the coming year.

Vision CoverageThe benefit for contact lenses or frame reimbursement will be increased from $120 to $140 however; the cost of the program willremain the same for the coming year

Life and AD&D Insurance Basic, Supplemental, and Dependent Life Insurance ChangesSeveral provisions have been changed to allow for greater flexibility in our Supplemental & Dependent Life Insurance plan: If you are not enrolled in supplemental life insurance with The Hartford, you may now elect $10,000 or $20,000 without

medical underwriting. If you wish to elect more than $20,000, you will need to complete the medical underwriting process.

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ANTHEM BLUE CROSS/BLUE SHIELD

MEDICAL2010-2011BIWEEKLY COST

Associate Associate +1 Family

Plan A $23.73 $51.02 $64.31

Plan B $39.65 $85.26 $107.47

Plan C $52.88 $113.71 $143.33

FLEXIBLE SPENDING ACCOUNTS (FSA)

When making your 2010-2011 Health Care FSA Election, please be sure to account for the changes affecting FSA plans asa result of the Patient Protection and Affordable Care Act, as amended by the Health Care and Education Reconciliation Actof 2010 which was passed in March 2010. Between June 1, 2010 and December 31, 2010, you will NOT be required to

have a prescription for eligible over the counter (OTC) items. However, effective January 1, 2011, you will need a validprescription to use FSA dollars for OTC items. Therefore, when making your 2010-2011 plan year Health Care FSAelection, be sure to take into account how much of your election you are planning for OTC items. It is your responsibility toplan accordingly as the plan rules require forfeiture of any contributions not used by the end of the plan year filing deadlines(in other words, use it or lose it).

Your bi-weekly cost for elected FSA will be based on your 2010-2011 Annual Election(s), Your Annual Election(s) will bedivided equally over your pay checks for the 2010-2011 plan year.

There is no minimum election.The maximum election for Health Care FSA is $4,000 and Dependent Care FSA is $5,000 if married, or $2,500 if single.

Biweekly Cost = Annual Election / 26 pay periods

DELTA DENTAL OF RHODE ISLAND2010-2011BIWEEKLY COST

Associate Associate +1 Family

Basic PPO $2.80 $5.59 $8.95

Enhanced PPO $4.33 $9.68 $14.70

VSP2010-2011BIWEEKLY COST

Associate Associate +1 Family

VSP Vision Plan $2.66 $5.33 $8.58

Deductions for Medical, Flexible Spending, Dental and Vision are taken on a pre-tax basis.Deductions for Voluntary Life and Disability are taken on a post-tax basis.

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VOLUNTARY LIFE AND DISABILITY

Calculating your Biweekly Cost forLife Insurance

o Your pay period cost for both associate andspouse/domestic partner coverage is calculatedbased on a rate per $1,000 of coverage determinedby age bracket noted to the right.

o Associate rates are inclusive of AD&Do Your biweekly deduction will be calculated based

on the age of you and your spouse/domesticpartner at the time of enrollment, and will beadjusted on the pay period coinciding with eachbirthday as necessary.

Age Associate Spouse/Domestic Partner< 25 $0.088 $0.0425-29 $0.088 $0.0530-34 $0.108 $0.0635-39 $0.118 $0.0840-44 $0.138 $0.1045-49 $0.228 $0.1450-54 $0.368 $0.2355-59 $0.588 $0.3660-64 $0.698 $0.6065-69 $1.298 $1.0670+ $2.178 $1.85

Your biweekly cost = Coverage Amount / $1,000 X Your age-based rate * 12 / 26

Your spouse/partner biweekly cost = Coverage Amount / $1,000 X Spouse/Partner age-based rate *12 / 26

Child Term Life

Your biweekly cost is:$0.35/biweekly for $5,000 of coverage for all eligible children$0.69/biweekly for $10,000 of coverage for all eligible children

Voluntary Short Term DisabilityFor associates working in RI, CA, NJ, NY or HI, see your HR representative for Weekly Benefit and Bi-weekly Cost

Calculating your Weekly Benefit:

Weekly Benefit Amount = Base Annual Salary X 0.6667 / 52

Maximum Weekly Benefit = $1,200

Calculating your Biweekly Cost:

Monthly Premium = Monthly Base Pay/ 100 X $1.00

Biweekly Cost = Monthly premium X 12 / 26Voluntary Long Term Disability

Your pay period cost for voluntary long term disability is calculated based on your salary and age bracket noted below.Your biweekly deduction will be calculated and will be adjusted on the pay period coinciding with each birthday andsalary change, as necessary.

Calculating your monthly benefit:

Monthly Benefit =Base Annual Salary X 0.60/12

Maximum Monthly Benefit = $10,000

Calculating your biweekly cost:

(Annual Salary/12) / 100 X your age based rate =Monthly Premium(Monthly premium x 12) / 26 = Biweekly Cost

* use rate table to the right to find your age banded monthly rateper $100

Age Monthly Rate per $100