METROPOLITAN ATLANTA RAPID TRANSIT AUTHORITY

LOCALLY FUNDED

REQUEST FOR PROPOSALS

FOR

P50554

DENTAL, CRITICAL ILLNESS, LIFE, AND ACCIDENTAL DEATH &

DISMEMBERMENT INSURANCE COVERAGES

Docusign Envelope ID: BBF705AD-916A-44E4-86BB-209C18E4D08B

January 14, 2026

TO: ALL PROSPECTIVE PROPONENTS

SUBJECT: REQUEST FOR PROPOSALS (RFP) NUMBER P50554:

DENTAL, CRITICAL ILLNESS, LIFE, AND ACCIDENTAL DEATH & DISMEMBERMENT

(AD&D) INSURANCE COVERAGES

You are invited to submit to the Metropolitan Atlanta Rapid Transit Authority (“MARTA” or “Authority”), a proposal for the above-captioned solicitation. A Virtual Pre-Proposal Conference will be held to discuss the Request for Proposals Number P50554 (“RFP”) using the following weblink:

https://events.gcc.teams.microsoft.com/event/68329198-9acc-4076-9b3e-be276be58ab2@d5b52ccb-1bf9-4a3e-a010-0f3b332bc26a on January 21, 2026 at 1:00 p.m. (local time). To be eligible for consideration your proposal must be received by the Authority no later than 2:00 p.m. (local time) on March 3, 2026. The RFP can be reviewed and downloaded from MARTA’s website (www.itsmarta.com). On the home page, point to “More”/click Current Opportunities/click on RFP P50213 /Download Invitation for Bids/Request for Proposals/Log-in (first time users must register).

All questions regarding this RFP should be submitted in writing to MARTA’s contact person, Jonelle F. Green, Senior Contract Specialist, via e-mail at jgreen2@itsmarta.com. The deadline for receipt of questions is January 28, 2026. Written inquiries received prior to 11:59 p.m. (local time) on January 28, 2026 by MARTA will be answered and posted as a Response to Inquiries to this RFP on MARTA’s website at www.itsmarta.com. If you need additional information, please contact Jonelle F. Green, Senior Contract Specialist, at 404-848-4447.

Sincerely, Jacqueline A. Holland AGM, Contracts, Procurement & Materials

Docusign Envelope ID: BBF705AD-916A-44E4-86BB-209C18E4D08B https://events.gcc.teams.microsoft.com/event/68329198-9acc-4076-9b3e-be276be58ab2@d5b52ccb-1bf9-4a3e-a010-0f3b332bc26a https://events.gcc.teams.microsoft.com/event/68329198-9acc-4076-9b3e-be276be58ab2@d5b52ccb-1bf9-4a3e-a010-0f3b332bc26a http://www.itsmarta.com/

REQUEST FOR PROPOSALS

P50554: DENTAL, CRITICAL ILLNESS, LIFE, AND ACCIDENTAL DEATH & DISMEMBERMENT (AD&D)

INSURANCE COVERAGES

PART 1: INFORMATION AND INSTRUCTIONS TO PROPONENTS

1. General and Background Information

2. Services Being Procured

3. Definitions

4. Minimum Qualifications

5. No Offer by MARTA; Firm Offer by Proponent

6. Pre-Proposal Conference

7. Additional Documentation

8. Procurement Questions; Prohibited Contacts

9. Proposal Deadline

10. Required Submittals

11. Ownership of Proposals

12. Confidentiality

13. Proposal Evaluation, Award and Multiple Award

14. Submission of Proposals

15. Rejection of Proposals; Cancellation of RFP; Waiver of Technicalities

16. Georgia Open Records Act

17. Representation

18. Protests

19. Equal Employment Opportunity and Disadvantaged Business Utilization

20. Electronic Solicitation Documents

21. Form of Contract

22. Award of Contract; Execution

PART 2: CONTENTS OF PROPOSALS AND SUBMITTALS

1. General Contents of Proposals

2. Technical Proposal

3. Price Proposal

4. Supplementary Information to Help Proponents Submit a Response

PART 3: SUBMITTAL FORMS

1. Illegal Immigration Reform and Enforcement Act Affidavit (Form 1)

2. Contract Affidavit (Form 1a)

3. Subcontractor Affidavit (Form 1b)

4. Sub-Subcontractor Affidavit (Form 1c)

5. Acknowledgement of Addenda (Form 2)

6. Price Proposal (Form 3)

7. Price Proposal - Dental (Form 3a)

8. Price Proposal – Life and AD&D (Form 3b)

9. Price Proposal – Critical illness (Form 3c)

10. Price Proposal – Long Term Care (Form 3d)

11. No Conflict of Interest (Form 4)

12. List of Proposed Subcontractors (Form 5)

13. Qualifications and Business References (Form 6)

14. Intent to Respond (Form 7a)

15. Proposal Confidentiality Agreement (Form 7b)

16. Dental/Life/Critical Illness Questionnaire (Form 8)

17. Detailed Dental Claims for Repricing (Form 10)

18. Dental GeoAccess Analyses (Form 11)

19. Performance Guarantees – Dental (Form 12a)

20. Performance Guarantees – Life and AD&D (Form 12b)

21. Performance Guarantees – Critical Illness (Form 12c)

22. Exceptions and Deviations to Plan (Form 13)

PART 4: FORM OF CONTRACT

1. Contract

2. Exhibit A: Scope of Services

3. Exhibit B: Special Terms and Conditions

4. Exhibit C: Payment Terms

5. Exhibit D: Insurance and Bonding Requirements

6. Exhibit E: No Conflict of Interest

7. Exhibit F: MARTA Information Security Requirements

8. Appendix A: Reserved

Page 1 RFP P50554 DENTAL, CRITICAL ILLNESS, LIFE, ACCIDENTAL DEATH & DISMEMBERMENT

INSURANCE COVERAGES

PART 1: INFORMATION AND INSTRUCTIONS TO PROPONENTS

1. General and Background Information: The Metropolitan Atlanta Rapid Transit Authority (“MARTA”) operates the ninth largest transit system in North America, providing bus, rail and paratransit services in the greater metropolitan Atlanta area. MARTA transports over 500,000 people in the City of Atlanta and counties of Clayton, DeKalb and Fulton daily.

MARTA has approximately 4,400 employees and 1,244 retirees. Approximately 1,698 of the employees and 477 of the retirees are not represented by a labor union (“Non- Represented”). The remaining employees and retirees are represented by a labor union (“Represented”).

Through the issuance of this Request for Proposal “RFP,” MARTA is soliciting Proposals from qualified vendors that can provide services for MARTA's Dental, Life and Accidental Death & Dismemberment (AD&D), and Critical Illness benefits.

The effective date for the Dental, Critical Illness, Life, Supplemental Life, and contracts is July 1, 2026.

2. Services Being Procured: MARTA is seeking Proposals from Firms to provide the following coverages for active and retired Represented and Non-Represented employees:

• Group Dental: Self-funded Dental PPO (“DPPO”) and Fully Insured Dental HMO

(“DHMO”)

• Group Basic Life and AD&D, Supplemental Life, and AD&D Insurance

• Group Critical Illness Insurance

• Group Long Term Care Insurance (New benefit consideration – may be offered as a rider in the Life contract, or as a stand-alone benefit)

Proponents are invited to provide proposals for any or all products included in this procurement. Proposals may be submitted for one or multiple products listed.

Transmittal letters submitted with proposal should specify the products being offered.

The Authority requires Proponents that will deliver accurate, timely, responsive claims adjudication and outstanding support to its employees, retirees, and their dependents, for their benefit needs.

Proponents shall provide benefit service requirements stated in this procurement.

Proposals for multiple services are encouraged to promote opportunity for bundled savings, pricing discounts, and other cost control options. The Authority is interested in innovation and creativity.

MARTA is seeking Firms not just with solid core capabilities, but also those that are innovative and will bring new ideas to the Authority and support the need for the MARTA benefit program to constantly evolve, operate at peak efficiency and deliver the best value possible to its employees.

Page 2 RFP P50554 Dental, Critical Illness, Life and Accidental Death & Dismemberment Insurance Coverages

MARTA’s Department of Human Resources will administer the contract (if awarded) pursuant to the terms and conditions contained in that certain form of dental, life, critical illness and accidental death and dismemberment (AD&D) insurance coverages attached hereto at Part 4 (“Contract”).

3. Definitions: The following terms shall have the following meanings when used throughout this RFP:

Proponent: Each Firm or aggregation of Firms (which may include a joint venture partnership, limited liability company or limited liability partnership) submitting a proposal in response to this RFP with the intent of performing the services as the prime contractor.

Firm(s): A firm that has or will obtain, prior to the execution of any contract awarded hereunder, all necessary licenses required by the State of Georgia to perform the services and is authorized to do business in the State of Georgia.

Proposal(s): A written response (i.e., Technical Proposal and Price Proposal) to this RFP prepared by a Proponent and submitted to MARTA’s Office of Contracts, Procurement & Materials (“CPM”).

4. Minimum Qualifications: To participate in this procurement, Proponent must satisfy the minimum qualifications required by this RFP. Where the Proponent is a partnership, joint venture arrangement, limited liability company, limited liability partnership or other multiple entity organization, the entity that holds a majority ownership interest in the Proponent (i.e., over 50% ownership or, if no entity holds more than 50% ownership, the entity with the controlling ownership share) must meet the minimum requirements set forth in this RFP. Additionally, prior to execution of the Contract, the successful Proponent will be required to demonstrate that it is duly authorized to conduct business in the State of Georgia.

Proponent or entity comprising Proponent must not submit more than one (1) Proposal under the same or different names or as part of multiple organizations. Any Proponent or entity comprising Proponent that submits more than one (1) Proposal in response to this solicitation shall be deemed non-responsive. NOTE: This restriction set forth in this paragraph is not applicable to subcontractors.

By submitting a Proposal in response to this RFP, the Proponent represents and warrants to MARTA that Proponent has or will acquire all of the licenses, certifications, permits, bonding capacity and insurance. By submitting a Proposal concerning this procurement, Proponent acknowledges that it is familiar with all laws applicable to this procurement, and has reviewed MARTA’s policies and procedures as set forth in this RFP (and as may be revised by MARTA from time to time).

Page 3 RFP P50554 Dental, Critical Illness, Life and Accidental Death & Dismemberment Insurance

5. No Offer by MARTA; Firm Offer by Proponent: This procurement does not constitute an offer by MARTA to enter an agreement and cannot be accepted by any Proponent to form an agreement. This procurement is only an invitation for offers from interested Proponents and no offer or Proposal shall bind MARTA. However, Proponent’s offer is a firm offer to MARTA for a period of 200 calendar days from the Proposal Deadline and may not be withdrawn during such 200 calendar day period.

6. Pre-Proposal Conference: A pre-proposal conference is scheduled for January 21, 2026 at 1:00 p.m. (local time) via a virtual TEAMS Meeting at the following link:

https://events.gcc.teams.microsoft.com/event/68329198-9acc-4076-9b3e-be276be58ab2@d5b52ccb-1bf9-4a3e-a010-0f3b332bc26a.

Attendance at the pre-proposal conference is not required but is strongly encouraged.

Each Proponent is responsible for being fully informed regarding all existing and expected conditions and matters that may affect the cost or the performance of the services. Any failure to fully investigate the requirements of this RFP shall not relieve any Proponent from the responsibility to properly estimate the difficulty or cost of successfully performing the services being sought under this RFP.

7. Additional Documentation: Each Proponent, if successful, acknowledges and agrees to submit such additional documentation (e.g., insurance/bonds, etc.) promptly after an award pursuant to any notice provided by MARTA and as required by the terms of this RFP and the Contract.

8. Procurement Questions; Prohibited Contacts: Any questions regarding this procurement must be submitted in writing to MARTA’s contact person, Jonelle F. Green via electronic mail jgreen2@itsmarta.com, on or before January 28, 2026 at 11:59 p.m. (local time).

Questions submitted after the designated period may not be considered by MARTA.

Any response made by MARTA will be provided in writing to all Proponents by posting the same to MARTA’s website at www.itsmarta.com. It is the responsibility of each Proponent to obtain a copy of all responses and/or any addenda issued for this procurement by monitoring MARTA’s website. No Proponent may rely on any verbal response to any question concerning this procurement. All Proponents (and any representative thereof) are strictly prohibited from contacting any MARTA employees (or third-party representatives or consultants of MARTA) on any matter having to do with this procurement. All communications by any Proponent must be made with MARTA’s contact person or any other MARTA employees or representatives designated by the head of MARTA’s Contracts, Procurement & Materials Department.

9. Proposal Deadline: To be considered responsive, a Proponent must complete and submit its Proposal and all required submittals and attachments in accordance with the instructions contained or referenced in this RFP. All responses to this RFP must be received by MARTA’s Department of Contracts, Procurement & Materials, 2400 Piedmont Road N.E., Atlanta, Georgia 30324-3330, on or before March 3, 2026 at 2:00 p.m. (local

Docusign Envelope ID: BBF705AD-916A-44E4-86BB-209C18E4D08B https://events.gcc.teams.microsoft.com/event/68329198-9acc-4076-9b3e-be276be58ab2@d5b52ccb-1bf9-4a3e-a010-0f3b332bc26a https://events.gcc.teams.microsoft.com/event/68329198-9acc-4076-9b3e-be276be58ab2@d5b52ccb-1bf9-4a3e-a010-0f3b332bc26a

Page 4 RFP P50554 Dental, Critical Illness, Life and Accidental Death & Dismemberment Insurance time). Any Proposal received after this time will not be considered/reviewed and will be rejected and returned.

10. Required Submittals/Forms:

a. Form 1: Illegal Immigration Reform and Enforcement Act. Each Proponent must complete, sign and submit a Contractor’s Affidavit with its Proposal. This RFP is subject to the Illegal Immigration Reform and Enforcement Act of 2011 (“Act”), as amended.

Pursuant to the Act, the Proponent must provide with its Proposal proof of its registration with and continuing and future participation in the E-Verify program established by the United States Department of Homeland Security. Under state law, MARTA cannot consider any Proposal which does not include a completed Contractor’s Affidavit. It is not the intent of this notice to provide detailed information or legal advice concerning the Act. All Proponents intending to do business with MARTA are responsible for independently apprising themselves of and complying with the requirements of the Act and assessing its effect on MARTA procurements and their participation in those procurements. For additional information on the E-Verify program or to enroll in the program, go to https://e-verify.uscis.gov/enroll.

b. Form 2: Acknowledgement of Addenda. Each Proponent must complete, sign and submit an acknowledgement with its Proposal that it has received all Addenda issued by MARTA for this RFP. Form 2 may be used to satisfy this requirement.

c. Form 3: Price Proposal. Each Proponent must complete, sign and submit a notarized Form 3, along with the Price Proposal forms (3A, 3B, 3C, 3D, 10) applicable to the benefits for which Proponent is submitting a proposal. The Price Proposal(s) must be packaged in a separately sealed envelope from the Technical Proposal (as described in Part 2 of this RFP). The overall financial evaluation for dental will include a claims repricing exercise in order to capture a more realistic overview of the Proponents’ network offerings. See Attachment 5: Dental Claims File Layout and Control Totals and Form 10:

Detailed Dental Claims For Repricing.

d. Form 4: No Conflict of Interest. Each Proponent must complete, sign and submit with their Proposal the information called for by Form 4.

e. Form 5: List of Proposed Subcontractors. Each Proponent is requested to furnish with their Proposal the information called for by Form 5. If the form is omitted or if the information furnished is incomplete or inadequate, the Authority may require that additional information be submitted after the Proposal Deadline and before an award is made.

f. Form 6: Qualifications and Business References. Each Proponent is requested to furnish with their Proposal the information called for by Form 6. If the form is omitted or if the information furnished is incomplete or inadequate, the Authority may require https://e-verify.uscis.gov/enroll

Page 5 RFP P50554 Dental, Critical Illness, Life and Accidental Death & Dismemberment Insurance that additional information be submitted after the Proposal Deadline and before an award is made.

g. Form 7A: Intent to Respond Form. All Proponents must complete and submit the attached Form 7A: Intent to Respond directly to Jonelle F. Green, Senior Contract Specialist, at jgreen2@itsmarta.com. The completed Form 7A should include the name and email address of the primary contact and, if applicable, the individual who is designated to receive the supporting data described with respect to Form 7B, below.

h. Form 7B: Proposal Confidentiality Agreement. Proponents are required to sign and submit Forms 7A and 7B in order to gain access to supporting documentation and additional Submittal Forms that will be needed to develop and submit a complete proposal. Submit the executed Form 7B: Proposal Confidentiality Agreement directly to Jonelle F. Green, Senior Contract Specialist, at jgreen2@itsmarta.com.

Supporting documents include:

i. Attachment 4a: MARTA Census – Dental Oct 2025

ii. Attachment 4b: MARTA Census – Life and AD&D Oct 2025

iii. Attachment 4c: MARTA Census – Critical Illness Oct 2025

iv. Attachment 5: Dental Claims File Layout and Control Totals

v. Attachment 6a: Dental Workbook, DPPO & DHMO (plan info and claims experience)

vi. Attachment 6b: Life and ADD Workbook (plan info and claims experience)

vii. Attachment 6c: Critical Illness Workbook (plan info and claims experience)

Additional required submittal forms include:

i. Form 10: Detailed Dental Claims For Repricing

Upon receipt of the signed Proposal Confidentiality Agreement, a system-generated e-mail will be sent to the Proponent’s designated data recipient(s), containing a link to instructions for accessing the workspace.

i. Form 8: Dental/Life/Critical Illness Questionnaire. Each Proponent must furnish with their Proposal the information requested in Form 8, as applicable to the benefit(s) Proponent is proposing to MARTA.

j. Form 10: Detailed Dental Claims For Repricing. The claims repricing exercise is a requirement for the Price Proposal for dental services. Proponents are expected to reprice each claim to most accurately represent the contractual arrangement in place at the time of proposal, and submit the full repriced file, in the same order and format as received, to the Segal secure workspace. The submitted file should be renamed as Form 10: Repriced Dental Claims. Each Proponent must upload the completed and

Docusign Envelope ID: BBF705AD-916A-44E4-86BB-209C18E4D08B mailto:jgreen2@itsmarta.com

Page 6 RFP P50554 Dental, Critical Illness, Life and Accidental Death & Dismemberment Insurance renamed Form 10: Repriced Dental Claims file to Segal’s secured workspace prior to the Proposal Deadline. Please allow ample time for the files to upload as these are large data files and no additional time will be allowed for upload past the Proposal Deadline.

k. Form 11: Dental GeoAccess Analyses. Using “Attachment 4a – MARTA Census - Dental Oct 2025”, Proponents must perform GeoAccess analyses, based on the Proponent’s contracted provider network(s). Submit the analyses as “Form 11 – Dental GeoAccess Analyses.” Access standards represent driving distance. Only providers under contract with the Proponent should be included. If more than one network will be offered, a separate analysis must be provided for each network offered.

l. Forms 12A-12C: Performance Guarantees. Each Proponent is required to propose industry standard performance guarantees. Additional/enhanced performance guarantees are encouraged. For each metric, the guaranteed target shall be the guaranteed target in a “meets/does not meet” format. There shall be no penalty gradients. The details of these guarantees may be negotiated during the finalist selection process and will be included in the contract with the selected Proposer. If such information is omitted or if the information furnished is incomplete or inadequate, the Authority may require that additional information be submitted after the Proposal Deadline and before an award is made.

i. Form 12A: Dental Performance Guarantees

ii. Form 12B: Life and AD&D Performance Guarantees

iii. Form 12C: Critical Illness Performance Guarantees

m. Form 13: Exceptions and Deviations to Plan. Proponents shall list items in this RFP that the Proponent is not able to meet or meets with deviations. Include a brief description, page number, and section where further explanation and details are found.

n. Appendix A: Office of Corporate Compliance and Engagement Requirements.

Reserved.

11. Ownership of Proposals: Each Proposal submitted to MARTA will become the property of MARTA, without compensation to a Proponent, for MARTA’s use, in MARTA’s sole discretion.

12. Confidentiality. This RFP and all information provided by MARTA in connection with this

RFP shall be considered confidential and proprietary information of MARTA. While completing this RFP, Proponents may receive valuable and confidential information from MARTA. Each Proponent agrees to maintain the full confidentiality of all such data, materials, and information and agrees not to use or disclose any such data, materials, and information to any third party or entity or for any purpose other than the limited purpose of completing this RFP.

13. Proposal Evaluation, Award and Multiple Awards:

Page 7 RFP P50554 Dental, Critical Illness, Life and Accidental Death & Dismemberment Insurance

a. Upon receipt and review of the Proposals, MARTA shall determine which Proponents are responsive and responsible. MARTA will notify each Proponent in writing of MARTA’s determination. After the Proposal Deadline, MARTA’s Source Evaluation Committee (“SEC”) will evaluate each responsive Proposal in accordance with the evaluation criteria described in this RFP. If MARTA elects to award this RFP, MARTA will award the same to the most responsive and responsible Proponent that submits a Proposal that is in the best interest of the participants and beneficiaries of MARTA’s benefits program. Proponents may be required to make an oral presentation to the SEC at any stage of the selection and evaluation process.

b. The selection of the successful Proponent(s), if any, will be based on the following criteria, which are listed in descending order of importance:

(i) Plan Administration Capabilities;

(ii) Information Technology Capabilities;

(iii) Price Proposal

(iv) Qualifications and Experience;

(v) Quality of Proposal; and

(vi) Financial Capabilities

c. MARTA reserves the right to award any service in whole or in part. The Authority reserves the right, in its sole discretion, to award to a single or multiple Proponents for the entire RFP or on a per line of coverage basis. The award(s) will be based on the entirety of the Proposal(s) or by component. If only one (1) acceptable Proponent is received, MARTA will determine whether a price or cost analysis of the Proposal is required. If MARTA decides to make a price or cost analysis, the Proponent will provide all information needed and requested by MARTA to do so and shall otherwise cooperate as necessary for the purpose.

14. Submission of Proposals:

a. Proposals should be submitted according to the requirements of this RFP. All blank spaces must be typed or handwritten in blue or black ink. All corrections to any entry should be lined out and initialed by the Proponent prior to Proposal submission. Do not use correction tape or liquid paper.

b. Proposals should be signed, by hand, by a principal of the Proponent with the authority to bind the Proponent and enter into an agreement with MARTA. Joint ventures or partnerships must designate one joint venture member/partner to represent the joint venture or partnership, respectively, with the authority to submit and execute a Proposal, bind the entity as well as enter an agreement with MARTA.

Each Proponent is responsible for the preparation of its Proposal and for the costs associated therewith.

Page 8 RFP P50554 Dental, Critical Illness, Life and Accidental Death & Dismemberment Insurance

c. Each Proponent should submit a complete Proposal in accordance with the requirements of this RFP. The format for the submission of a Proposal mandated by this RFP is not negotiable. The name and number of the Project/Solicitation is: RFP

P50554: DENTAL, CRITICAL ILLNESS, LIFE, AND ACCIDENTAL DEATH &

DISMEMBERMENT (AD&D) INSURANCE COVERAGES. Proposals must be submitted in sealed envelope(s) or package(s) and the outside of the envelope(s) or package(s) should clearly identify the name of the Solicitation, Solicitation Number, Proponent’s Name and address, and Proponent’s Federal Work Authorization User Identification Number. All Proposals must be submitted to:

Metropolitan Atlanta Rapid Transit Authority Office of Contracts, Procurement & Materials

2400 Piedmont Road, N.E.

Atlanta, Georgia 30324-3330

Attn: Contract Control (RFP P50554)

[See end of Part 1 for directions]

d. Proposals must be submitted to the above address between the hours of 9:00 a.m.

and 2:00 p.m. (EST) Monday through Friday. Proposals will not be accepted on the following days: New Year’s Day, Martin Luther King, Jr.’s birthday, Memorial Day, Juneteenth, Independence Day, Labor Day, Thanksgiving Day, the day after Thanksgiving Day and Christmas Day.

e. A Proponent must submit one original paper copy and one (1) USB drive [a.k.a., jump or flash drive] of its Technical Proposal (as described in Part 2 below), and one original paper copy and one (1) USB drive [a.k.a., jump or flash drive] of its Price Proposal (as described in Part 2 below). The Proponent’s USB drive copies should be submitted in an unlocked Portable Document Format (i.e., .pdf).

Each Proposal should contain a table of contents and separate sections for the information requirements set forth in this RFP, as well as for the forms required to be submitted.

f. Each Proponent shall promptly notify MARTA in writing, prior to the Proposal Deadline, should the Proponent find discrepancies, errors, ambiguities or omissions in any of Proponent’s Proposal documents or should the intent or meaning set forth in Proponent’s Proposal documents appear unclear or ambiguous.

g. Each Proponent shall promptly notify MARTA in writing should the Proponent find discrepancies, errors, ambiguities or omissions in any of the RFP documents prior to the end of the question/comment period set forth herein. MARTA will reply to such notices, if necessary, by issuing an addendum to the RFP. It is the responsibility of each Proponent to obtain a copy of any addendum issued for this RFP by monitoring MARTA’s website at www.itsmarta.com.

Page 9 RFP P50554 Dental, Critical Illness, Life and Accidental Death & Dismemberment Insurance

15. Rejection of Proposals; Cancellation of RFP; Waiver of Technicalities. MARTA reserves the right to reject any Proposal or all Proposals or to waive any technical defect in a Proposal before or after Proposal submission. MARTA also reserves the right to cancel this RFP at any time for any reason or no reason. Additionally, MARTA may, by addendum, modify any provision or part of this RFP at any time prior to the Proposal Deadline. The Proponent shall not rely on oral clarifications to the RFP unless they are confirmed, in writing, by MARTA in an issued addendum. MARTA also reserves the right to award based upon a Proponent’s original submission without discussion.

16. Georgia Open Records Act: Information provided to MARTA is subject to disclosure under the Georgia Open Records Act (“GORA”). Pursuant to O.C.G.A. § 50-18-72(a)(34), “[a]n entity submitting records containing trade secrets that wishes to keep such records confidential under this paragraph shall submit and attach to the records an affidavit affirmatively declaring that specific information in the records constitute trade secrets pursuant to Article 27 of Chapter 1 of Title 10 [O.C.G.A. § 10-1-760 et seq.].”

17. Representation. By submitting a Proposal in response to this RFP, Proponent acknowledges and represents that: (a) the accompanying quote is made by a person or business entity that is neither a high cost lender nor a predatory lender, nor is the Proponent an affiliate of a high cost lender or a predatory lender, as described in Chapter 6A of Title 7 of the Official Code of Georgia Annotated (“Code”); (b) it has read all of the RFP documents (including, without limitation, the Contract) and acknowledges that, if successful, Proponent shall be bound by the requirements stated therein; (c) the signatory to the Proposal is the Proponent (or Proponent’s duly authorized agent or employee of the Proponent with the authority to bind Proponent hereto); (d) any information or disclosure provided in response to this RFP is fully restated herein and remains truthful and accurate representations up to and including the date Proponent submits its Proposal to MARTA; (e) MARTA will not agree to make any substantive revisions to the Contract; (f) Proponent will be bound by MARTA’s Code of Ethics available at https://www.itsmarta.com/uploadedFiles/More/About_MARTA/Code%20of%20Ethics% 2010-10-24.pdf, as the same may be amended from time to time in MARTA’s sole discretion; and (g) Proponent agrees that it will voluntarily notify MARTA immediately if any information or disclosure provided to MARTA during any part of this procurement process changes, is no longer accurate or would be misleading in any way.

18. Protests: Any protest or objection to this RFP or the solicitation process related to this RFP must be submitted, in a timely manner, in accordance with the Protest Procedures set forth on MARTA’s website at:

https://itsmarta.com/uploadedfiles/Bid%20Protest%20Procedure.pdf

19. Equal Employment Opportunity and Small Business Utilization. All Proponents are strongly encouraged to consider the use of Small Business Enterprises in all aspects of the Contract that will be awarded pursuant to this solicitation process.

https://www.itsmarta.com/uploadedFiles/More/About_MARTA/Code%20of%20Ethics%2010-10-24.pdf https://www.itsmarta.com/uploadedFiles/More/About_MARTA/Code%20of%20Ethics%2010-10-24.pdf https://itsmarta.com/uploadedfiles/Bid%20Protest%20Procedure.pdf

Page 10 RFP P50554 Dental, Critical Illness, Life and Accidental Death & Dismemberment Insurance

MARTA has assigned a 0% goal for Disadvantaged/Small Business Enterprise participation in this project. The Proponent agrees and warrants that Proponent:

(a) does not discriminate against any employee or applicant for employment because of race, color, religion, sex, age, or national origin; and (b) complies with all the rules, regulations and other relevant orders of the US Secretary of Labor, and Proponent will furnish all information and reports required by Title VI of the Civil Rights Act of 1964, as well as, the Age Discrimination in Employment Act effective June 12, 1968, and will permit access to books, records and accounts by the Authority, the Secretary of Labor and/or the Secretary of Transportation, for purposes of investigation to ascertain Proponent’s compliance with such rules, regulations, and orders.

20. Electronic Solicitation Documents. This RFP is being made available to all Proponents by electronic means. By responding to this RFP, Proponent acknowledges and accepts full responsibility to ensure that it is responding to the correct form of RFP, including any addenda issued by MARTA’s Department of Contracts, Procurement and Materials.

Proponent acknowledges and agrees that in the event of a conflict between the RFP in the Proponent’s possession and the version maintained by MARTA’s Department of Contracts, Procurement and Materials, the version maintained by MARTA’s Department of Contracts, Procurement and Materials shall govern. The RFP document is available at www.itsmarta.com

21. Form of Contract: Attached at Part 4 of this RFP is the form of Contract that MARTA will be negotiating with the successful Proponent, if any. Notwithstanding the foregoing, MARTA reserves the right to negotiate a form of contract that is based upon Proponent’s form thereof. If Proponent is requiring use of its contract, Proponent should submit a form contract related to the services being procured with this RFP.

22. Award of Contract; Execution: If MARTA awards a contract pursuant to this procurement, MARTA will prepare and forward to the successful Proponent a contract for execution substantially in the form included in solicitation document, unless another form of contact is negotiated between MARTA and the successful Proponent(s), as described in Part 1, Section 21 of this RFP, above.

Page 11 RFP P50554 Dental, Critical Illness, Life and Accidental Death & Dismemberment Insurance

MARTA HQ

MARTA HQ

RECEIVING

MARTA HQ Annex

2400 PIEDMONT RD NE

ATLANTA GA 30324

404-848-5081 Annex Mail Center

404-848-4773 Mail Services Supervisor

The address for receiving all deliveries to MARTA Headquarters Complex (HQ - 2424 Piedmont Rd NE and HQ Annex - 2400 Piedmont Rd NE) is:

Directions from MARTA HQ to MARTA Receiving at the HQ Annex (see map below):

East on Morosgo Drive to Piedmont Rd. NE

South on Piedmont Rd to Garson Dr. NE

West on Garson Dr. NE to third driveway on the right

OVER FOR DRIVING DIRECTIONS FROM I-75 N/I-85 N, I-85 S AND GA - 400

DIRECTIONS TO THE HQ ANNEX MAIL CENTER LOADING DOCK

RECEIVING HOURS:

Monday – Friday

9:00 am – 2:00 pm

Closed: New Year’s Day/Martin Luther King, Jr Holiday/Memorial Day/Independence Day/Labor

Day/Thanksgiving Day/Friday Following//Thanksgiving Day/Christmas Day

Driving Directions from I-75 S

From I-75 S, Use the left 3 lanes to take exit 251 to merge onto I-85 N, follow signs for I-85 N

Take the Buford Hwy N exit

Merge onto GA-13 N

Take the GA-237 N/Piedmont Rd NE exit

Turn right onto Piedmont Rd NE

Turn left onto Garson Dr. NE (turn into third driveway on right)

Page 12 RFP P50554 Dental, Critical Illness, Life and Accidental Death & Dismemberment Insurance

MARTA HEADQUARTERS COMPLEX RECEIVING

INTERCOM

LOADING

DOCK & LIFT

PEDESTRIAN ENTRANCE

& DOORBELL

Driving Directions from I-75/I-85 N

From the I-75 N/I-85 N Connector northbound, Keep left at fork to stay on I-85 N, follow signs for I-85 N

Take the Buford Hwy N exit

Merge onto GA-13 N

Take the GA-237 N/Piedmont Rd NE exit

Turn right onto Piedmont Rd NE

Turn left onto Garson Dr. NE (turn into third driveway on right)

Driving Directions from GA-400 S

From GA-400 southbound, Take exit 18 for Sidney Marcus Blvd

Turn left onto GA-237 S/Piedmont Rd

NE

Turn right onto Garson Dr NE (turn into third driveway on right)

Directions to the HQ Annex Mail Center Loading Dock

Enter the driveway (note signage on fence for MARTA HQ Annex, MARTA Police) and proceed to the gate and intercom. Press the intercom button and provide the Protective Specialist:

• Your Name

• Your Company Name

• Purpose for Your Visit

From the gate, proceed to the first stop sign and turn left to the HQ Annex Mail Center and loading dock.

The pedestrian entrance and doorbell are to the left of the loading dock.

Driving Directions from I-85 S

From I-85 southbound, Take exit 88 for Lenox Rd toward GA-400 N/Cheshire Br Rd

Turn left onto Cheshire Bridge Rd NE

Turn right onto GA-236 W/Lavista Rd NE/Lindbergh Dr NE

Turn left onto GA-237S/Piedmont Rd NE

Turn right onto Garson Dr NE (turn into third driveway on right)

Page 13 RFP P50554 Dental, Critical Illness, Life and Accidental Death & Dismemberment Insurance

PART 2: CONTENTS OF PROPOSALS AND SUBMITTALS

1. General Contents of Proposals: A Proponent should submit a complete Proposal in response to this RFP in the format specified in this RFP. A Proposal consists of two (2) parts:

(a) Technical Proposal: This part will contain all of the information and submittals that are required by the RFP or being provided by Proponent as part of its Proposal, as described below; and

(b) Price Proposal: The Price Proposal information and submittals as described below, which must be packaged in a separately sealed envelope from the Technical Proposal. This part will contain:

(i) Form 3: Price Proposal (signed and notarized). FAILURE TO SUBMIT THE PRICE

PROPOSAL FORM FOR THE BENEFIT(S) PROPOSED MAY, IN MARTA’S SOLE

DISCRETION, BE CAUSE FOR PROPONENT TO BE DEEMED NON-RESPONSIVE.

2. Technical Proposal: The Technical Proposal should include the following documentation and information in the order set forth below:

(a) Title Page: The title page should show the Solicitation number and title, the Proponent’s name, address and telephone and fax numbers of the contact person(s) for Proponent and the date of Proponent’s Proposal.

(b) Table of Contents: The table of contents should outline and index the contents of the Proposal and correspond to the requirements of this RFP.

(c) Transmittal Letter: A letter that briefly states the Proponent’s understanding of the work to be performed, its commitment to perform the work, and a statement of the reason(s) why the Proponent believes it is the best qualified individual or entity to perform the work.

(d) Executive Summary: Each Proponent should include an overview of the Proponent’s qualifications to provide the services being procured through this RFP and a high-level description of the proposed solution. At a minimum, the Executive Summary should contain the following information:

(i) Complete legal name of the Proponent and the name of the legal entities that comprise the Proponent. The Proponent should provide the domicile where each entity comprising it is organized, including entity name, brief history of the entity, contact name, address, phone number, and facsimile number, as well as the legal structure of the entity.

(e) Form 1

Page 14 RFP P50554 Dental, Critical Illness, Life and Accidental Death & Dismemberment Insurance

(f) Form 1a

(g) Form 1b (if applicable)

(h) Form 1c (if applicable)

(i) Form 2

(j) Form 4

(k) Form 5

(l) Form 6

(m) Form 8

(n) Form 11 (if applicable)

(o) Forms 12a (if applicable)

(p) Form 12b (if applicable)

(q) Form 12c (if applicable)

(r) Form 13

(s) Proponent’s Form of Contract

(t) Response to all Requirements: The Proponent’s response to all requirements should include, but is not limited to, the following information:

(i) A detailed description of the services proposed by the Proponent to meet the requirements and goals of MARTA. The description shall demonstrate the Proponent understands the requirements and Authority’s goals by describing how Proponent will achieve the same;

(ii) Provide a detailed description of how Proponent will provide new and innovative delivery methods, programs and services that will enhance MARTA’s benefit programs.

(u) Organizational Structure and Key Personnel: The Proponent should provide (a) an organizational chart of the Proponent's management structure and (b) corresponding resumes for key account personnel only, namely those who will work on this contract specifically. The organizational structure and resumes should clearly identify the Proponent's management team.

(i) Legal form of the Proponent and the state in which it is domiciled. In the case where the Proponent is a partnership, joint venture or affiliation of two or more

Page 15 RFP P50554 Dental, Critical Illness, Life and Accidental Death & Dismemberment Insurance firms, please provide information for all participants and the nature of the relationship. This should include organizational documents and a brief description of the rights and obligations of the parties.

(ii) Resumes should include at least the following information:

a. Name and Title;

b. Professional Background;

c. Education; and

d. Current and Past Employment.

(iii) The Proponent should also include a statement that clearly identifies the level of authority vested to each individual within Proponent's management structure to make decisions on behalf of the Proponent.

(iv) The Proponent should include the name, address, telephone and fax number for the contact person authorized to communicate and negotiate on behalf of the Proponent.

(v) List any outstanding disputes or business relationships between the Proponent and the following entities, if any:

a. MARTA;

b. The United States Department of Transportation;

c. Federal Transit Administration;

d. Georgia Department of Transportation;

e. City of Atlanta;

f. County of Clayton;

g. County of Cobb;

h. County of DeKalb;

i. County of Fulton; and/or

j. County of Gwinnett.

Describe any other outstanding disputes involving the Proponent that may affect the Contract, of which MARTA should be made aware.

(v) References and Client List: Proponents should provide:

(i) At least three (3) written reference letters/statements from Proponent’s clients (including contact name, company name, number of employees, industry, and number of years as Proponent’s client) regarding implementation and ongoing administration of benefits similar to the services being procured by this RFP.

References should be from clients with 5,000+ lives from similar industry;

Page 16 RFP P50554 Dental, Critical Illness, Life and Accidental Death & Dismemberment Insurance

(ii) A list of past and present clients Proponent has worked for or with over the last five (5) years. Please use Form 6 to respond to this request. Proponent may add additional sheets, if needed.

NOTE: By submitting a response to this RFP, Proponent acknowledges and agrees that MARTA may directly contact any of Proponent’s references or clients.

(w) Experience and Qualifications: To allow MARTA to fully understand the capabilities of the Proponent, the Proponent should provide the information requested below for Proponent and if Proponent is a partnership or joint venture, then each member of Proponent shall provide the following information. Please provide the information stated below for each member of the Proponent’s team. Use additional sheets, if necessary.

(i) The Proponent should describe the experience it has within the last five (5) years providing Dental, Life, Supplemental Life, Critical Illness, and Accidental Death & Dismemberment Insurance Coverages. Additionally, Proponents should highlight three (3) clients of similar size to MARTA.

NOTE: If the Proponent is a partnership, joint venture or newly formed entity (e.g., limited liability company or corporation), the minimum requirements set forth throughout the RFP must be satisfied by the entity or individual(s) that own and control a majority equity interest (i.e., over 50% ownership) of the partnership, joint venture or newly formed entity.

(x) Exceptions to RFP: Proponent shall list any deviation(s), exception(s), or variation(s) to:

the terms and conditions of this solicitation, the terms and conditions of any attachment(s) to this solicitation, the terms and conditions of any addendum to this solicitation, and, the terms and conditions of the proposed contract. The section of Proponent’s proposal containing any such deviation(s), exception(s), or variation(s) shall be clearly labeled “Exceptions to RFP”. If a Proponent fails to note a deviation, make an exception, or list a variation to the terms and conditions of this solicitation, any attachment(s), or addenda to this solicitation, or the terms and conditions of the proposed contract, it shall be deemed as an express waiver by that Proponent of such deviation, exception, or variation. MARTA will not accept or review any deviation(s), exception(s), or variation(s) after the Proponent’s proposal has been received by

MARTA.

(y) Financial Information: Given the nature of this project, MARTA needs to understand the Proponent’s financial capability to undertake and successfully complete this project.

Proponents must provide the following:

Page 17 RFP P50554 Dental, Critical Illness, Life and Accidental Death & Dismemberment Insurance

(i) Audited financial statements or tax filings for the past three (3) years (i.e., 2024, 2023, and 2022). If Proponent’s current year’s audited financial statements or tax filings are not yet complete, Proponent may provide either (a) audited financial statements or tax filings for 2023, 2022 and 2021 or (b) audited financial statements or tax filings for 2023 and 2022 as well as unaudited summary statements for the current year. The statements should include each of the following at a minimum:

(A) Balance sheet;

(B) Income statement; and

(C) Statement of change in financial position, if any.

(ii) The names and phone numbers of references for the following:

(A) Two commercial banks; or

(B) Two institutional partners; or

(C) One commercial bank and one institutional partner.

(iii) Terms and conditions of any significant contingent liabilities, such as guaranteed loans or other obligations which could affect the ability of Proponent to obtain financing for this project.

(iv) ANY FINANCIAL STATEMENTS THAT PROPONENT DEEMS TO BE CONFIDENTIAL

SHOULD BE MARKED AS PROPRIETARY. FAILURE TO PROVIDE THIS

INFORMATION WILL RESULT IN PROPONENT BEING DEEMED NON-RESPONSIVE.

(z) NOTE: If the Proponent is a partnership, joint venture or newly formed entity (e.g., limited liability company or corporation), the minimum requirements set forth throughout the RFP must be satisfied by the entity or individual(s) that own and control a majority equity interest (i.e., over 50%) of the partnership, joint venture or newly formed entity.

3. Price Proposal. The Price Proposal should include the following documentation and information in the order set forth below:

(a) Each Proponent is required to fully complete Form 3: Price Proposal (signed and notarized), attached to this RFP.

(b) Forms 3A-3D: Should be submitted in Microsoft Excel. Each Proponent is required to fully complete the Price Proposal Form (all tabs) for each benefit proposal submitted.

Proponents must contact jgreen2@itsmarta.com to request the Excel version of Forms 3A-3C.

(c) Form 10 (if applicable): MUST be submitted through Segal’s secured workspace.

Page 18 RFP P50554 Dental, Critical Illness, Life and Accidental Death & Dismemberment Insurance

4. Supplemental Information to Help Proponents Develop a Response

The following documents are included within the body of this RFP document:

(a) Attachment 1a: Cigna DPPO2 (non-TX) - DPPO

(b) Attachment 1b: Cigna DENT2 Choice Plan (TX) – DPPO

(c) Attachment 1c: Cigna DHMO Charge Schedule

(d) Attachment 2a: Securian Life Benefit Description

(e) Attachment 2b: Securian AD&D Benefit Description

(f) Attachment 3: Aflac Critical Illness Benefit Description

The following items will be made accessible following MARTA’s receipt of Form 7a: Intent to Respond and Form 7b: Proposal Confidentiality Agreement, completed and signed.

Proponents must submit completed and signed forms to jgreen2@itsmarta.com.

(g) Attachment 4a: MARTA Census - Dental_Oct 2025

(h) Attachment 4b: MARTA Census - Life and AD&D_Oct 2025

(i) Attachment 4c: MARTA Census - Critical Illness_Oct 2025

(j) Attachment 5: Dental Claims File Layout and Control Totals

(k) Attachment 6a: Dental Workbook, DPPO & DHMO (Benefit Excerpts and Claims

Experience)

(l) Attachment 6b: Life and ADD Workbook (Benefit info, Rates, and Claims Experience)

(m) Attachment 6c: Critical Illness Workbook (Benefit Info, Rates, and Claims Experience)

(n) Form 10: Detailed Dental Claims For Repricing

Page 19 RFP P50554 Dental, Critical Illness, Life and Accidental Death & Dismemberment Insurance

ATTACHMENT 1a Cigna DPPO2 (non-TX) - DPPO

See attached.

Cigna Dental Benefit Summary

MARTA – DPPO2

Plan Renewal Date: 07/01/2025

Administered by: Cigna Health and Life Insurance Company

This material is for informational purposes only and is designed to highlight some of the benefits available under this plan. Consult the plan documents to determine specific terms of coverage relating to your plan. Terms include covered procedures, applicable waiting periods, exclusions and limitations.

Receiving regular dental care can not only catch minor problems before they become major and expensive to treat - it may even help improve your overall health. Gum disease is increasingly being linked to complications for pre-term birth, heart disease, stroke, diabetes, osteoporosis and other health issues. That’s why this dental plan includes Cigna Dental WellnessPlusSM features. When you or your family members receive any preventive care service in one plan year, the annual dollar maximum will increase in the following plan year. When you or your family members remain enrolled in the plan and continue to receive preventive care, the annual dollar maximum will increase in the following plan year, until it reaches the level specified below. Please refer to your plan materials for additional information on this plan feature. Your plan allows you to see any licensed dentist, but using an in-network dentist may minimize your out-of-pocket expenses.

Cigna Dental PPO Network Options In-Network:

Total Cigna DPPO Network Out-of-Network:

Non-Network Reimbursement Reimbursement Levels Based on Contracted Fees Maximum Reimbursable Charge WellnessPlusSM Progressive Maximum Benefit:

When you or your family members receive any preventive care service during one plan year, the annual dollar maximum will increase in the following plan year; until it reaches the highest level specified below. Please refer to your plan materials for additional information on this plan feature.

Calendar Year Benefits Maximum Applies to: Class I, II & III expenses

Year 1: $2,000 Year 2: $2,150 Year 3: $2,300

Year 4 & Beyond: $2,450

Year 1: $2,000 Year 2: $2,150 Year 3: $2,300

Year 4 & Beyond: $2,450

Calendar Year Deductible Individual Family

$0 $0

$0 $0

Benefit Highlights Plan Pays You Pay Plan Pays You Pay Class I: Diagnostic & Preventive Oral Evaluations Prophylaxis: routine cleanings X-rays: routine X-rays: non-routine Fluoride Application Space Maintainers: non-orthodontic Emergency…