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municipalauthorities.org │ 49 Looking for Incentives to Attract and Retain Employees? PSATS Trustees Insurance and Retirement Services offer several employee benefit options that may serve as an incentive to help you attract and retain workers. The group insurance and retirement plans are flexible, and your authority need not belong to all plans in order to participate in any one of them. Insurance Offerings Medical: Choose from five PPO plans, including high-deductible options to fit your budget and health needs. Cost varies by plan. Dental: Two plans to choose from, with rates starting around $40 per month for employee only coverage. Vision: Rates start around $4 per month for employee only coverage. Added discounts for Lasik surgery and hearing aids are included at no additional cost. Retirement Offerings Defined Contribution Plan 401(a): Predictable costs and flexible contribution options make this a more budget-friendly option to help your employees build long-term financial security. Employees have the opportunity to choose their own investments on a pre- or post-tax basis. Defined Benefit Plan: Provide guaranteed retirement income, giving your workforce peace of mind and your business a powerful retention tool. Defined benefit plans require long-term funding and careful plan management—ideal for employers committed to long-term workforce investment. Deferred Compensation Plan 457(b): Provides flexible, tax-advantaged retire- ment option that encourages long-term savings without penalizing early access after separation. It’s a smart, low-cost, effective benefit that complements existing retirement plans and boosts employee financial wellness. Easy to man- age and highly valued by staff, it strengthens your benefits package without straining your budget. For more information about insurance and pension offerings, contact Harry Krot at hkrot@ psats.org or 717-763-0930, ext. 143 psatsinsurance.org 800-382-1268 Customer Care At the PSATS Trusts, we pride our- selves on our exceptional custom- er service. Our dedicated team is available to assist you with questions or concerns, ensuring a seamless ex- perience for you and your employees. We believe that personalized support is key to maintaining a strong and trusting relationship with our members. We are here to help! Trusted and endorsed by the Pennsylvania Municipal Authorities Association ***Fees for retirement offerings vary by plan type. Please contact PSATS for more information.