Welcome to your Acme benefits! Acme offers comprehensive benefits to protect the health, wealth, and well-being of you and your family. This Benefits Guide provides information to help you evaluate your options and enroll in your benefits.

Your Acme Benefits

Acme values and supports your total well-being. As part of our Total Rewards package, we offer benefits to help you thrive in every area of your life — and many are available at no cost to you.

Health

Medical Insurance
Teladoc (Aetna Plans)
Prescription Drug Coverage
CVS Minute Clinic (Aetna Plans)
Rx Savings Solutions (Aetna Plans)
Health Savings Account (HSA)
Health Care Flexible Spending Account
Limited Purpose Flexible Spending Account
Dental Insurance
Vision Insurance

Insurance

401(k) Savings Plan
Life and Accidental Death & Dismemberment (AD&D) Insurance
Disability Insurance
Accident Insurance
Critical Illness Insurance
Hospital Indemnity Insurance
Identify Protection
Legal Plan
Auto & Home Insurance
Pet Insurance
AYCO Financial Counseling
Tuition Reimbursement
Adoption Assistance

Work/Life

Time Off
Paid Family Leave
Dependent Care Flexible Spending Account
Parking and Transit Flexible Spending Accounts
Employee Discounts Program

Eligibility

Who is Eligible?

You are eligible to participate in Acme benefit plans if you are an employee who works 24 hours or more per week.

Who Can Enroll?

As a benefits-eligible Acme employee, you may elect coverage for:

Yourself
Your legal spouse/domestic partner (same or opposite sex)
Your common-law spouse/domestic partner
Your same- or opposite-sex domestic partner
Your children up to the end of the month they reach age 26, regardless of student, marital, or residential status, or any age if disabled
Your domestic partner’s children up to the end of the month they reach age 26, regardless of student, marital, or residential status, or any age if disabled

Most Acme benefits can be elected or changed only during the Open Enrollment period each fall, unless you have a qualified life event — like marriage or the birth of a baby — in which case you have 31 days from the date of the life event to make changes to your benefits.

If You Are a New Hire

You must enroll in benefits within 31 days of your date of hire. Coverage under the medical, dental, and vision plans is effective as of the first of the month following your date of hire. If you do not make elections within 31 days of your date of hire, you will default to no coverage for medical insurance, dental insurance, vision insurance, HSA, flexible spending accounts, supplemental life insurance, and voluntary benefits. You will also not be enrolled in the 401(k) Savings Plan or a commuter account, though you can make elections for these two benefits at any time during the year. If you take no action, you will still have Acme-provided coverage for basic life and AD&D insurance, short-term disability, and long-term disability, plus access to a variety of well-being support programs, like Health Advocate and many more.

If You Are an International Transfer

As an international transfer, you have 31 days from the date you submit your Social Security number (SSN) to the processing team on an updated W-4 form to enroll in Acme benefit plans.

Coverage under the medical, dental, and vision plans is effective on your date of transfer.

Medical Benefits

You may select from one of the three plans offered through Aetna. If you live in California, you also have the option of selecting the Kaiser HMO plan.

Each medical plan option includes prescription drug and basic vision coverage through VSP. With the Consumer Choice and PPO 85 plans, you have the option to see an out-of-network provider but will pay more for care.

For more information about the plans, please refer to the plan chart.

Consumer choice 90 & Consumer Choice 80
PPO 85
Kaiser HMO

Consumer Choice Plans & the Health Savings Account

Understanding the Consumer Choice Plans

The Consumer Choice plans work a little differently from traditional health plan options. Here’s what you need to know:

Preventative Care

You pay nothing for preventive care. It’s covered in full, even before you meet your annual deductible.

Deductible

Consumer Choice deductibles are higher than the PPO 85 deductible, but you can use your tax-advantaged HSA — including Acme’s HSA contribution — to make it easier to meet the deductible and pay for care.

Note: If you are covering a dependent(s), you must meet the full family deductible before the plan starts paying for care.

Coinsurance

After you reach your deductible, you and the plan share the cost of all your other non-preventive care and prescription drugs. You will pay a percentage of the cost, or coinsurance, for your care, until you meet the plan’s out-of-pocket maximum.

Out-of-Pocket Maximum

Once you reach the out-of-pocket maximum, the plan will cover 100% of the cost of your care, including prescription drugs. You will not pay anything for care or prescription drugs after you meet the out-of-pocket maximum.

Health Savings Account (HSA)

The HSA helps you save money for medical and prescription drug expenses, now and in the future. You are eligible for the HSA if you elect one of the Consumer Choice plans for medical coverage.

The HSA is a tax-exempt account administered by HealthEquity that you can use to pay for qualified out-of-pocket health care expenses, like deductibles, coinsurance, and health services such as doctor visits, hospital care, and prescription drugs. Acme contributes to this account to help offset your out-of-pocket costs.

You may use the HSA for your dependents’ eligible expenses too, if the dependent(s) are your child(ren) under age 26 and/or a dependent(s) for tax purposes.

Here are some features of the HSA:

Money goes in tax-free

You can contribute to your HSA through easy payroll deductions that you can change at any time. Acme also contributes to your account. All funds contributed to the HSA are tax-free.

Spend it or save it

The account grows tax-free, and you pay no taxes when you use the money for qualified health expenses. Once your account reaches a $1,000 balance, you can even invest your funds, with interest and earnings growing tax-free, too.

Money rolls over

Unlike with a Flexible Spending Account, the unused balance carries over from year to year. You own your HSA, so even if you change plans, retire, or leave Acme for any reason, you keep your account balance.

HSA Contributions

The IRS puts a cap on the total amount of money that can be contributed to an HSA each year. This includes your contributions as well as Acme’s contributions. The maximum amount you can contribute to your HSA is:

	Acme Contribution	IRS Maximum for this year	What You Can Contribute in this year
Employee Only	$600	$3,550	$2,950
All Other Coverage Levels	$1,200	$7,100	$5,900

What's the difference between HSAs and FSAs?

Which health savings account is right for you? Learn the differences between HSAs and FSAs here:

Key takeaways about HSAs and FSAs.

Both accounts offer tax benefits and have annual contribution limits.
You must have a high-deductible health plan (HDHP) to qualify for an HSA.
Funds from your HSA roll over year after year.
Some HSAs offer investment options.
HSA holders cannot spend more than the funds that have been deducted from their paycheck. However, they can file for reimbursement later in the year.
You can't contribute to an HSA and a traditional FSA in the same year. But HSA holders can contribute to an LPFSA for dental and vision expenses, and to a Dependent Care FSA for child care costs.
FSAs work on a "use it or lose it" basis, meaning any funds not spent by the end of your plan year will be lost, unless the plan has a grace period or rollover feature.
You can use your FSA to cover eligible health care expenses early in the year, as long as you plan to contribute what's necessary to cover those expenses by the year's end.
You contribute funds to an HSA and FSA, but only your employer can contribute to your HRA.
With HRAs, employers may limit which health expenses are eligible and the amount you’re able to roll over from year to year.

Retirement

The Acme 401(k) Savings Plan, administered through Vanguard, gives you an opportunity to prepare for retirement through pre-tax contributions, Roth contributions, and after-tax contributions. You can contribute between 0% and 25% of your base pay and/or bonus/commissions.

You may invest your savings in one or more of the plan’s 25 investment fund options through Vanguard, including the Acme ADR Stock Fund, as well as Target Retirement Funds and Managed Account options.

Company Contribution

You are eligible to receive Acme’s matching contributions to your account as of your date of hire. Acme will match 75% of the first 6% of your earnings that you contribute. You vest in Acme’s matching contributions over three years: You are 0% vested after one year of service, 50% vested after two years, and 100% vested after three years.

How much You Can Contribute

You can make pre-tax and/or Roth contributions up to the IRS maximum each year, including any funds you receive from Acme. The maximum amount you can contribute is $19,500. If you will be age 50 or older , you can contribute an additional $6,500 in catch-up contributions (up to $26,000 total). You are immediately 100% vested in your own before-tax and after-tax 401(k) contributions.

If you wish to contribute more than the IRS limit for your combined pre-tax and Roth contributions, you may contribute additional funds on an after-tax basis only. The earnings on after-tax contributions are taxed upon distribution. The IRS limit on all contributions to your account (pre-tax, Roth, and after-tax) is $57,000

If You Are a New Hire

You will need to complete the 401(k) Prior Employer Contribution Form if you have participated in a prior employer’s 401(k) plan for the current year. You can find this form on the Acme Corporate Portal in the Forms & Documentation Library. You may roll over your previous employer’s qualified 401(k) plan proceeds into the Acme 401(k) Savings Plan.

Time Off & Leave

Acme offers a variety of benefits that allow you time to relax, recover, care for your family, and more, including company holidays, personal days, vacation, and Paid Family Leave.

Company Holidays

Here is a list of Acme’s holidays :

New Years’ Day
Martin Luther King Jr. Day
Memorial Day
Independence Day
Labor Day
Veterans Day
Thanksgiving
Day After Thanksgiving
Christmas Eve
Christmas

Personal Days

Acme provides five personal days each year to use on days that are important to you — religious or national holidays not recognized as Acme holidays, birthdays, or other days of significance to you. Unused personal days do not carry over from year-to-year.

Vacation

Acme provides 15-25 paid vacation days (depending on years of employment at Acme) to regular, full-time employees. Benefits-eligible part-time employees accrue vacation in proportion to the number of hours they work per pay period.

Pregnancy Disability Leave and Transition Time

Acme’s Pregnancy Disability Leave includes six to eight weeks of paid time off through Acme’s STD plan plus up to 14 days’ leave before the birth.

Pregnancy Transition Time (PTT) is offered to benefits-eligible birth mothers who have at least one year of service with Acme or an Acme-acquired company at the time of use. PTT is a four-week period where the employee may work a minimum of 20 hours per week at a schedule agreed upon by her manager immediately upon returning to work from a maternity-leave related absence.

Paid Family Leave

Acme Paid Family Leave (PFL) policy provides six weeks of paid time off for all eligible employees who have completed one year of service with Acme. The leave may be taken all at once or in whole week increments following the birth or adoption of a child. All PFL must be taken before the baby’s first birthday.

How to Enroll

Acme offers a variety of benefits that allow you time to relax, recover, care for your family, and more, including company holidays, personal days, vacation, and Paid Family Leave.

How to Enroll in Most Acme Benefits

You can only enroll for these benefits, like medical, dental, vision insurance, and certain voluntary benefits:

As a new hire, within 31 days of your date of hire
During Open Enrollment in the fall each year
As an international transfer within 31 days from the date you submit your SSN to the processing team on an updated W-4 form

You will make your enrollment elections for most benefits through Benefitfocus, which is also accessible through the Acme Corporate Portal as well as acmenorthamericabenefits.com, or via the Benefitfocus mobile app (company ID: Acmebenefits).

How to Enroll in Acme 401(k) Savings Plan

Visit the Vanguard website (www.vanguard.com) to register and enter Acme plan number 090061. As a new hire, approximately 10 business days after your hire date, you will receive a letter from Vanguard with information on how to enroll in the plan. You can enroll at any time throughout the year. After you have successfully completed your registration and made your elections, you can usually begin participation by the second payroll cycle.

How to Enroll in Auto & Home or Pet Insurance

Visit acmevoluntarybenefits.com for more information about these benefits and to enroll.

How to Enroll in Life Insurance

Visit prudential.com/Acme (access code is 50085) or call 1-800-778-3827.

How to Enroll in Travel Insurance

Travel insurance through Gateway is offered on a trip-by-trip basis. To enroll in a plan:

Visit gatewayplans.com/Acme
Select your coverage option: iTravelInsured SE or iTravelInsured LX
Provide details like your trip deposit/payment date, trip dates, and trip cost

Changing Coverage During the Year

Medical/prescription drug, vision, dental, and FSA elections cannot be changed during the calendar year unless you experience an eligible life event.

Eligible life events include a marriage, separation, or divorce; the birth or final legal adoption of a child; the death of a spouse/domestic partner or child; change in dependent eligibility status; spouse/domestic partner’s termination of employment or new employment; change from part-time work to full-time work, or vice versa; and significant change in health care coverage.

If you wish to change your benefit coverage, you must do so within 31 days of your eligible life event. For more information, including a listing of eligible life events and what documentation is required, visit acmenorthamericabenefits.com/life-events.

To make enrollment changes, access Benefit focus through the Acme Corporate Portal as well as through acmenorthamericabenefits.com or the Benefit focus mobile app.