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U.S. Employee Benefits (non-union)

U.S. Full-time Management and Administrative Employees
These benefits are available to most employees in the United States. If you are applying for a job, be sure to ask about the benefits package for that location.
401(K) PLAN (Administered by Fidelity)
Employees can begin contributing from their date of hire. After 6 months of employment, APL matches employee contributions at a rate of 75¢ on the dollar on up to 6% of earnings. Nine investment funds are available. You are vested in the Company's contributions based on your years of service: less than 1 year of service - 0% vested, 1 year - 20%, 2 years - 40%, 3 years - 60%, 4 years - 80%, 5 or more years of service - 100% vested.
CASH BALANCE PENSION PLAN
APL establishes an account for you and annually credits your account:

Age + Service
% of Eligible Earnings +
% of Eligible Earnings Over FICA Wage Base
Less than 45
3%
3%
45 to 55
4%
4%
55 to 65
5%
5%
65 or more
6%
5%

Account accumulates annual credits and interest each year. You become vested in your account when you attain 5 years of service with APL.

FLEXIBLE BENEFITS PLAN
Medical OptionsPPO through United HealthCare - $10 co-payment for most in-network services.
HMOs: $5 co-pay for most services
Dental2 options: standard and high-option; both have orthodontia coverage.
VisionVSP coverage (except Kaiser members receive services from Kaiser)
Life InsuranceAPL provides enough FlexDollars to purchase coverage of 2 times salary. The first 1 times salary up to $50,000 is provided at no charge. Additional coverage is also available.
Disability Insurance3 options - each provides coverage of 66 and 2/3% of pay.
TIME OFF WITH PAY
VacationNew hires accrue 10 days of vacation per year. After 5 years of service, accruals increase to 15 days per year. In addition, beginning the first full calendar year after being hired, employees may purchase up to 3 days of vacation through the flexible benefits plan.
Holidays12 paid holidays (including 4 floating holidays)
Sick PayEmployees accrue 1 day per month up to a maximum of 150 days.
OTHER
Employee Assistance Program (EAP), educational assistance, child care resource and referral line, flexible spending accounts, dependent life and long term care insurance.
These are brief highlights of the plans. For more information, exclusions and limitations, refer to the plan booklet(s).
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