CRB Workforce 2026 Employee Benefits Guide for Contractors

CRB Workforce offers a comprehensive benefits package that includes medical insurance through Anthem, dental and vision coverage through Guardian, and a 401(k) retirement plan through Transamerica. Benefits enrollment and administration are managed through the Paylocity platform.

You can enroll in or waive your CRB Workforce benefits through the Paylocity platform. Paylocity serves as both the benefits enrollment portal and the ongoing benefits administration system, allowing you to manage your selections and payroll deductions in one place.

The CRB Workforce health benefits plan year runs from September 1, 2025 through December 31, 2026. This extended plan period covers approximately 16 months, so employees should plan their healthcare needs accordingly.

For 2026, CRB Workforce matches 100% of your contributions up to 3% of your compensation, plus 50% of contributions that exceed 3% but do not exceed 5% of your compensation. This means if you contribute at least 5% of your pay, you receive a maximum employer match of 4% of your compensation. The company reserves the right to adjust matching contributions at its discretion.

You must be at least 21 years of age and complete 3 consecutive months of service to become eligible for the 401(k) plan. If the service requirement is not met in the first consecutive period of months, you may also become eligible after completing one full Year of Eligibility service, provided you are still an eligible employee at that time.

In 2026, you can elect to defer up to 100% of your compensation on a pre-tax basis, subject to the federal limit of $24,500. If you are age 50 or over, you may contribute an additional catch-up amount of up to $8,000, bringing your total possible deferral to $32,500. You can also choose to make Roth after-tax contributions.

Pre-tax contributions reduce your current taxable income, meaning you pay taxes on the money when you withdraw it in retirement. Roth contributions are made with after-tax dollars, but any earnings may be tax-free at withdrawal, provided the contributions have been in your account for at least five years and you withdraw after age 59½, death, or disability.

Yes, the CRB Workforce 401(k) plan accepts rollover contributions from any eligible employee, regardless of whether you have met the age and service requirements for the plan. If you have not yet met the eligibility requirements, you will be considered a participant only with respect to the amounts in your Rollover Contribution Account.

Medical insurance for CRB Workforce employees is provided through Anthem. For detailed plan information including coverage options, copays, deductibles, and provider networks, CRB Workforce provides a full insurance guide accessible through a link in the benefits documentation. You can also contact the Gallagher benefits team for specific questions.

For health benefits questions, CRB Workforce has partnered with Gallagher as their benefits broker. You can reach Mirna Clark at 818-712-8843 or mirna_clark@ajg.com, or Beverly Kazarian at 818-206-4170 or beverly_kazarian@ajg.com. For 401(k) investment advice, contact Oder Investment Management advisers Steve Zorn at szorn@oderllc.com or Erik Helmstetter at ehelmstetter@oderllc.com.

CRB Workforce has retained Oder Investment Management to provide financial strategy and stewardship of the 401(k) plan and trust. Oder offers personalized investment advice tailored to your specific goals and situation. They create unique investment plans for each client and continuously adjust recommendations as your life circumstances change.

Once you meet the eligibility criteria, you can begin participating on the first day of the calendar month that coincides with or immediately follows the date you become eligible. You may then change your contribution elections as of each pay period, giving you flexibility to adjust your savings rate throughout the year.