Raymond James benefits

UMR Plus and Base high-deductible medical plans are offered to eligible US associates. In-network preventive care is covered at 100%. Employee premiums vary by compensation tier and coverage

Delta Dental PPO includes preventive, basic and major care. The annual maximum is $1,500 in network or $1,000 out of network; dependent orthodontia through age 19 has a $1,500 lifetime maximum. Deductibles, coinsurance and allowed-fee limits apply.

EyeMed in-network benefits include a $10 exam copay every 12 months and $150 frame allowance every 24 months or $150 contact-lens allowance every 12 months. Other copays and plan restrictions apply.

Eligible medical-plan participants earning under $300,000 may receive an annual employer contribution of $250 for self-only coverage or $750 for family coverage, subject to enrollment date and eligibility. HRA is an alternative for qualifying non-HSA participants, not an additional grant.

Employee-funded healthcare and limited-purpose spending accounts are available subject to eligibility. Up to $680 healthcare FSA carryover. Limited-purpose eligibility and printed expense deadlines differ between guide sections; confirm plan terms rather than assuming identical account rules

Company-paid basic life coverage is offered, with optional employee-paid supplemental coverage. Full-time basic coverage is annual compensation rounded to the next $1,000, capped at $150,000; part-time basic coverage is $5,000. Age reductions and eligibility rules apply

Company-paid basic AD&D and optional supplemental coverage are offered. Full-time basic coverage is annual compensation rounded to the next $1,000, capped at $150,000; part-time basic coverage is $5,000. Plan exclusions and eligibility apply

Company-paid salary continuation provides 100% of salary for up to 13 weeks of approved disability for associates working at least 25 hours weekly. Separate voluntary employee-paid long-term disability provides 60% of monthly earnings, up to $15,000 monthly after a 90-day waiting period, subject to age-duration and plan rules

Company-paid business-travel accident coverage is five times compensation up to $1 million for full-time associates; eligible part-time associates working 25–39 hours weekly receive $25,000 coverage. Covered travel and policy restrictions apply

ComPsych provides eight free counseling sessions per benefit year, plus legal, financial and work-life guidance

Free Accolade navigation and nurse support is available to benefits-eligible associates and dependents even without Raymond James medical enrollment. Second-opinion services through 2nd.MD are separately available to medical-plan members.

Telemedicine is available through the medical program. The guide shows a $54 visit charge before the deductible, followed by the applicable Plus or Base plan coinsurance; it is not universally free.

HealthWorks services are offered at specified St. Petersburg and Memphis locations. Availability is location-specific and does not establish free care for every service.

Onsite fitness facilities are described for St. Petersburg and Memphis; this is not a company-wide gym reimbursement or universal onsite amenity.

A free ergonomic assessment and training; it does not promise an unrestricted home-office equipment allowance

Voluntary Unum critical-illness insurance is available for eligible associates to purchase. Coverage and claims depend on the policy; it is not a universal employer-paid cash benefit

Eligible associates may elect Unum accident insurance; this voluntary coverage is distinct from company-paid business-travel accident insurance

Voluntary Unum hospital-indemnity coverage is offered, subject to elected coverage and policy rules. No unrestricted employer hospital allowance is asserted.

Long-term care insurance

Omada and Virta health-support programs and the careers page names wellness initiatives including flu shots. No universal stipend is established

Eligible parents receive 100% salary: birth parents have six weeks of recovery plus ten weeks of primary-caregiver or four weeks of secondary-caregiver bonding leave; non-birth parents receive ten or four bonding weeks respectively. Leave is consecutive, non-birth leave is taken within six months, approval is required, and sick/vacation accrual pauses during leave.

Pay

Paid

Medical-plan members can access Optum Fertility Solutions, with covered fertility services including IVF drugs sharing a $25,000 lifetime maximum. Enrollment does not require an infertility diagnosis. Treatment age limits, nursing coordination, network and plan rules apply.

Adoption and surrogacy expenses share reimbursement limits of $4,000 per 12-month period and $16,000 lifetime for eligible associates working at least 25 hours weekly, including qualifying unsuccessful attempts. Only one employed parent may claim; child, relationship, expense and submission rules apply. This is one shared program, not two additive grants.

Benefits-eligible associates and families can use RethinkCare resources and up to 14 hours annually of virtual behavior-expert consultations. This is a service, not a cash allowance.

An employee-funded dependent-care flexible spending account for qualifying expenses, subject to tax and plan eligibility. Contribution limits are not employer childcare grants

The retirement plan accepts pretax and voluntary after-tax employee contributions. Automatic enrollment at 5% after 30 days, subject to eligibility and employee elections. After-tax contributions alone do not prove a mega-backdoor Roth conversion feature

The 401(k) plan explicitly permits Roth employee contributions; this is distinct from an IRA.

Matching of 75% of the first $1,000 contributed and 25% of the next $1,000, with 20% annual vesting over five years

An employer-funded profit-sharing plan is described, with automatic enrollment from hire. No guaranteed annual contribution percentage is stated.

An employer-funded ESOP is described with discretionary company contributions. No guaranteed allocation is stated.

Eligible regular full-time and part-time associates working more than 20 hours weekly may participate after 90 days. The plan provides a 15% discount through quarterly stock purchases, subject to plan limits

Enrich provides financial-wellness education and tools

The degree tuition program provides eligible noncommissioned associates up to $5,250 per calendar year; eligible part-time associates working more than 25 hours weekly have a $1,000 limit. Degree reimbursement excludes books and fees. A separate certification paragraph describes broader expenses; it is not combined into unrestricted degree reimbursement

Potential annual bonuses. Eligibility and awards are not guaranteed and no formula is stated

Paid vacation and personal time. No annual vacation allowance is established here; the restricted vacation tab was not used

Pay

Paid

Paid sick time for eligible associates. Accrual and carryover vary with scheduled hours and applicable state rules; staffing-agency associates are excluded. Precise accrual table values await visual comparison

The current public policy allows up to ten days at base pay regardless of service length, including qualifying pregnancy loss and support of a spouse or partner. Failed adoption may qualify on request

Eligible associates working at least 25 hours weekly receive base wages for up to 30 business days, subject to state rules. Grand-jury service uses a pay-difference rule after jury compensation.

NYSE-aligned holidays are described. Holiday pay generally requires at least 25 scheduled hours weekly and a normally scheduled workday. Employees required to work have different exempt/nonexempt provisions; no unconditional ten-day entitlement is asserted.

Military reserve duty among time-off provisions. The public leave page describes statutory protections, but no specific employer-paid differential or duration is established

Associate discount programs; merchant availability and program conditions vary

Voluntary pet insurance through Nationwide is available for purchase; employer-paid premiums are not established

An employee-paid ARAG legal plan for covered network services, subject to plan exclusions. This is separate from EAP legal guidance

Raymond James University provides internal education in industry knowledge and leadership. No per-associate learning budget is stated.

Voluntary Chubb personal umbrella insurance is available for purchase, subject to policy eligibility, coverage and exclusions.

Employee-funded pretax transit and parking accounts are available