We are combining the Connolly iHealth 401(k) and iHealth Technologies, Inc. 401(k) Plans into one plan called the Cotiviti 401(k) Plan. The plans will be moving from our current retirement plan providers, Voya and Wells Fargo, to Empower effective January 4, 2016.

What do these changes mean for me?

To ensure that the transition goes smoothly, from December 16, 2015, through the week of January 17th, 2016, the Plan will be in transition. This time period is often called a “blackout period”. During this “blackout period”, you will have limited or no access to your account as it is transferred to Empower. Changes to your account need to be made before or after the transition is complete. An announcement letter from Empower was mailed to your home on November 16, 2015, explaining the details around the limited access to your plan.

• Announcement letter for the Wells Fargo plan transition
• Announcement letter for the Voya plan transition

Are my funds still invested during the “blackout period”?

Yes. Your funds will remain invested and will continue to gain and/or lose value depending on market conditions. In addition, your contributions will continue during the blackout period, and when this period ends, you will once again have full access to your plan account.

What If I have an outstanding loan with your previous provider?

Your existing loan with Voya or Wells Fargo will automatically transfer to Empower effective January 4, 2016.

Are the plan features changing?

Yes, there are also some updates to the plan features. We are streamlining the investment options in the plan to now include low-cost funds: review the Empower announcement letter that was mailed to your home on November 16, 2015, for the detailed lineup.

• 50% company match on up to 6% of employee contributions (more details to come in the plan highlights)
• 1% auto increase each year (more details to come in the plan highlights)
• 6% auto enrollment for new employees (more details to come in the plan highlights)
• 100% immediate vesting (more details to come in the plan highlights)
• Change to employee fee structure (fee transparency: see question and answer below)

What does "fee transparency" mean?

Cotiviti will be implementing a change that will impact how the administrative costs for the Cotiviti 401(k) Plan are paid. Currently, all Plan participants pay 100% of the administrative expenses for the Plan, such as recordkeeping, auditing and consulting fees, through costs that are embedded within the management fees charged by the funds. While this is a common practice, it makes the Plan administration costs more difficult for participants to discern and identify. The upcoming change will remove the Plan administrative costs from the mutual fund fees and make them identifiable and transparent to participants.

Replacing those embedded costs will be a participant fee of approximately 0.16% annually (or 0.04% quarterly). For example: If your average account balance for the quarter was $10,000, your fee would be $16 per year/$4 per quarter. The fee will be allocated to all participants in the month following quarter end. You will see the fee on your quarterly statement.

What do I need to do?

Watch for further communications from Empower regarding this conversion. Be sure to review your account investments before the transition begins in case there are any changes you wish to make before the “blackout period “begins.

What if I have additional questions?

If you have any questions regarding this communication, please contact HR Services (hrservices@cotiviti.com).

For questions about your current account: Contact Voya at 800-584-6001 or on the Web at https://voyaretirement.voya.com/eportal/welcome.do

Or

Contact Wells Fargo at 800-377-9188 or on the Web at www.wellsfargo.com

For questions about Empower Retirement: Call Empower toll free at 888-411-4015 between 9 a.m and 10 p.m Eastern Time, any business day, to speak with a Participant Service Representative.