1. The document provides an overview of benefits offered by ICF including an employee stock purchase plan, 401(k) options, commuter benefits, and health insurance. 2. The employee stock purchase plan allows employees to purchase ICF stock at a 5% discount through payroll deductions. 3. The 401(k) plan offers both traditional pre-tax and Roth after-tax contribution options, and ICF will match contributions up to 4% of salary.

1. UNDERSTANDING
YOUR BENEFITS
A BREAKDOWN SO YOU CAN MAKE THE
MOST OF WHAT ICF OFFERS

2. AIM: To help you understand the
more complicated aspects of our
benefits package.
Investing and buying ICF stock
Understanding your 401(k)
Commuter benefits
Health Insurance FAQs
W-4

3. ICF Stock1
Employee Stock Purchase Plan (ESPP) is a
way for you to share in ICF's financial
sucess.
HOW? Purchasing stock allows you to
acquire equity interest. You purchase
your stock AT A DISCOUNTED RATE through
payroll deductions.

4. MUST work more than 20 hours a week OR more than 5
months per calendar year to be eligible to participate
ELIGIBILITY
ESPP price = 95% of the
average fair market value of
ICF stock on the purchase
date.
You can purchase stock in
1% increments (no more
than $25k/calendar year.
PRICE

5. There are two six-month offering periods: Jan. 1—June 30 and July 1—Dec. 31
Your tax liability depends on how long you own the shares, so be sure to
consult your tax advisor (or parents).
You may not change the
rate of your payroll
deduction DURING an
offering period. You must
wait until the NEXT
enrollment window.

6. HOWEVER...
You are able to stop the payroll deductions during an offering period.
The already contributed amount will be used to purchase ICF stock at the end of
the period. After increasing your deduction, you cannot resume the deductions
until a subsequent offering period.

7. Go to PeopleSoft: https://psoft.icfi.com > Main Menu > Self Service > Payroll and Comp.
>Voluntary Deductions
How do you enroll?

8. Enter Deduction %
Click Submit
Click Return to Voluntary
Deduction and Confirm the %
before logging out!

9. What happens after my purchase?
A s a n I C F s h a r e h o l d e r , y o u h a v e t h e r i g h t t o :
vote // trade shares // transfer shares // donate shares
TAX
concerns:

10. Things you should know
Although your discounted stock purchase is tax free, you will have to pay
taxes when you sell the stock AKA "take out" the money from your stock.
The value of your original payroll deductions may decline when invested.

11. Understanding your 401(k)2
Roth IRATraditional
IRA
Does not affect
the amount of
matched
contribution
All 401(k)
participants are
charged a
quarterly
$12.50 record-
keeping fee
Traditional (pre-tax)
contributions are taken from
your paycheck before taxes,
which lowers your taxable
income.
Roth contributions are taken on
an after tax basis. This means you
won’t pay taxes when you begin
to withdraw from your account as
long as you are at least age 59½
and have had the money in the
plan for at least 5 years.

12. Contribution Matching Formula

13. How much should I put in?
VS.further away from retirement closer to retirement

14. COMMUTER BENEFITS3

15. arking and Transit
If you use public transportation or a vanpool, you can purchase your fare on a tax-free basis up to the monthly
IRS limit. Any costs exceeding the IRS limit are deducted from your paycheck on a post-tax basis.
To sign up for mass transit and parking via payroll deductions, go to Benefit Resource, Inc. (BRI) and use:
Company Code: icf
Member ID: 0000 + your 5-digit employee number
Password: initially, your home zip code
When you make your monthly transit election with Benefit Resource, Inc., include ICF match of up to $100 per
month. ICF will make sure this portion isn't deducted from your pay. For example, if you elect $150, only $75 will
be deducted from your pay and ICF will contribute the other $75.
You'll receive a Beniversal card to use like a credit card for qualified transit expenses at approved vendors
This card is loaded automatically with your transit payroll deductions and the ICF subsidy each month (half of
monthly election from two pay periods each month).

16. Bicycle SubsidyYou can receive an after-tax reimbursement for
approved maintenance and upkeep of a bicycle if you
use it to bike to work an average of 3-4 times a week.
Reimbursements are up to $25 a month and are paid
on a quarterly basis.
Employees who purchase a bike for the first time to
participate in this program are eligible for a $75
reimbursement once every two years. This counts
toward the quarterly maximum.
The bicycle subsidy can't be combined with the Mass
Transit Benefit.

17. NuRide
The NuRide Network is the nation’s first
ride-sharing program for planning trips
online, traveling together, and earning
rewards from brand-name retailers.
There are no ongoing commitments—you
can plan as little as one trip at a time.
It's free to join and easy to use. To get
started, log on here.

18. ZipCarICF's Zipcar partnership gives you highly discounted weekday
rates, more than half off the annual fee, and exemption from the
application fee.
For more details and to sign up, log on here. Please sign up with
the affiliate closest to your city.
Questions or concerns? Call
+1.866.4ZIPCAR. If you're not a
member yet, hit option 3 (for more
info) followed by 1 (to speak to a
representative).

19. Health Insurance FAQs4
FSA vs.
HSA
Types of
Insurance
Plans
Understanding
your
deductible

20. Types of
insurance
provided to
you:
MEDICAL PLANS:
CDHP
Teladoc
Kaiser
Pharmacy
Tricare Supplement
DENTAL
VISION

21. WHICH INSURANCE DO I
CHOOSE?
CDHP Teladoc
Kaiser
Pharmacy
Tricare
Supplement
Tend to have a higher
deductible
PPO - do not need a
referral to see a
specialist
Lower monthly payment
HSA - money can roll
over from year to year
Tends to have a lower
deductible
HMO- need a referral
for specialist
Higher monthly
payment
FSA- money cannot
roll over from year to
year
Alternative to
emergency rooms
and urgent care
Available 24/7,
even on holidays
Retired military
personnel or
dependents qualify
under Dept. of Defense
Pairs with CDHP
CVS
Three tiers

22. FSA vs. HSA
Flexible Spending
Account:
Have to determine how much you're going to need
that year
BASED ON ANTICIPATED EXPENSES
If you don't use all the $$ in your account that year,
it DOES NOT roll over
Can be used towards medical expenses
Health Savings Account:
ICF makes a contribution
Money rolls over if you don't use it
Can be paired with a limited use FSA depending on
your insurance plan

24. Understanding
your deductible
Sometimes an insurance plan will have a low
monthly payment (what gets taken out of your
paycheck), BUT BE CAREFUL!
PAY ATTENTION to how much your deductible is. The
deductible is how much you have to pay before your
care services are free or much cheaper!
If you choose a plan
based on one, without
looking at the other,
you may end up
paying money you
thought you were
saving!!!

25. The purpose of Tax Form W-4 is simple ― it
is used by your employer to withhold the
proper amount of federal income tax from
your paycheck.
The IRS recommends that employees submit a
new W-4 tax form each year, or any time their
personal or financial situation changes. Of
course, this is required upon being hired.
Understanding your
W-4
5

26. The more allowances you have (marriage,
dependents, etc. ) the less taxes you get
pulled out of your paycheck.
You can opt to have more taken out so
that when filing season comes around,
you owe less to the IRS.
Take advantage of those pre-tax
deductions!! They lower the amount of $$
that gets taken out.
TAXES
101

27. What contributes to your
tax deductions?Marriage
Dependents
How much you spend on dependents
Contributing to your 401-k plan
Your age
Contributing to a pre-tax plan
Income adjustments such as IRA
contributions and student loan
payments (interest)
Estimated health payments

28. THANK
YOU