Salamander Benefits. Service Professional Summary. Effective 02/01/17 thru 01/31/18
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1 Salamander Benefits Service Professional Summary Effective 02/01/17 thru 01/31/18
2 Service Professional Benefits Summary The Salamander Experience is based on excellence. Excellence for not only our guests but also our Service Professionals. Our access privileges, discount programs, insurance programs, and retirement plan are all designed to benefit our team members. This Benefits Summary will provide an overview of some of the options available to you as a Salamander Service Professionals. The coverage and rate details listed in this summary are based on the most recent benefit guidelines for the Salamander Farms, L.LC. Health and Welfare Plan and the Salamander Farms, L.L.C 401(k) Retirement Plan. Rates, premiums and coverage details listed within the Benefits Summary are strictly an overview. For actual plan documents, including rate and coverage details, refer to the Salamander Benefit Enrollment Kit (issued to Full-Time Service Professionals), the Human Resources department, Next Generation Enrollment (NGE) or the plan carrier/recordkeeper. Rates and premiums are only guaranteed through the carriers listed in this Benefit Summary. For questions or concerns, contact Human Resources. Paid Time Off: Full-Time status is required o Vacation Time Payable upon termination (only if eligible for rehire); does not roll over from year to year o Sick/Personal Time No cash value; does not roll over from year to year VACATION PERSONAL TIME 1 Year of Service 40 Hours 24 Hours 2 Years of Service 80 Hours Renewed on Anniversary 5 Years of Service 120 Hours Date Company Paid Holidays: Full-Time status required with eligibility after 90 days of full-time employment For additional information, refer to the Service Professional Handbook Company paid holidays: New Year's Day Memorial Day Independence Day Labor Day Thanksgiving Day Christmas Day Access Privileges & Discount Programs: The list below is not all inclusive, please see Human Resources for additional information. Service Professional, Friends, & Family discounts on room stays at all Salamander locations Service Professional room discount at properties included in the Preferred Hotels & Resorts portfolio Service Professional discounts on dining, retail, spa, golf, and other hotel & resort amenities Service Professional Fitness Center (does not apply to all locations) Access to banking programs through PNC Bank and BB&T Bank Access to TicketsatWork - TicketsatWork is the leading Corporate Entertainment Benefits provider, offering exclusive discounts, special offers and access to preferred seating and tickets to top attractions, theme parks, shows, sporting events, movie tickets, hotels and much more
3 Benefit Eligibility: Service Professionals are eligible for a variety of benefits. All Service Professionals are eligible for access privileges and discount programs. Full-Time Service Professionals are eligible for Health and Welfare benefits as of the 90 th day of employment. Full-Time and Part-Time Service Professionals are eligible for participation in the 401(k) retirement plan the 1 st of the month following 3 months of service. Example: John s (full-time) hire date is 4/17/2014. The 90 th day of full-time service is 7/16/2014. The effective date for coverage is 7/16/14. Electing Coverage: Eligible Service Professionals must enroll or decline benefit coverage (excluding the 401(k) plan) no later than 30 days past their eligibility date (premium arrears will apply) or within 30 days of a Qualifying Life Event (marriage, divorce, birth, etc.). Enroll via the Salamander Benefit Center by calling or online at Username First Initial & First 6 of last name(s) then last 4 digits of social security number (no hyphens or spaces) Example: Jane Doe-Smith with Social xxx-xx-4114 = Username: jdoesm4114 Password Date of Birth in YYYYMMDD format (use zero before one digit months) Example: Jane Doe-Smith s Birthday is March 13, 1973 = Password: Insurance Providers / Contact Information: Plan Sponsor - Salamander Farms, LLC MassMutual Plan Number Member Services Website 401(k) Retirement Plan (800) AETNA Group Number Member Services Website Medical Pharmacy Vision (Davis Vision) (800) Guardian Plan Number Member Services Website (877) Dental (Dental Guard) (800) Short Term Disability Long Term Disability Life Insurance G Critical Illness Accident Employee Assistance Program (EAP) WorkLifeMatters (800) User Name: Matters Password: wlm70101 MASS MUTUAL: 401(k) Retirement Plan Automatic Enrollment the 1 st of the month following 3 months of service for Full-Time and Part-Time status Seasonal/On-Call Employees working a minimum of 1,000 hours (from January 1 st through December 31 st ) will be automatically enrolled if the hours threshold has been met Plan Design Includes: o Company match of 50% of first 6% after 12 months of service (must be age 21 or older to qualify for match) o Contributions allowed: set % of eligible income o Roth 401(k) and standard 401(k) available o Five-year vesting schedule for company matched contributions NGE: Medical Flexible Spending: Reduces taxable income and sets aside pre-tax dollars for eligible out-of-pocket health care expenses for participating Service Professionals and dependents (legal spouse and dependent children) Use Benefit Debit Card for qualifying expenses or submit claim form for reimbursement Able to roll up to $500 of any unused funds into the next plan year
4 AETNA: Medical Insurance Coverage Details Platinum Silver Bronze Network Provider(s) IN OUT IN OUT IN OUT Deductible Indiv. $500 $1,000 $2,000 $4,000 $4,000 $8,000 Deductible Fam. $1,000 $2,000 $4,000 $8,000 $8,000 $16,000 Primary $30 co-pay $30 co-pay $30 co-pay 70% postdeductibldeductible 50% post- Specialist $50 co-pay $60 co-pay $50 co-pay Urgent Care $50 co-pay $75 co-pay $75 co-pay Emergency $150 co-pay $150 co-pay $200 co-pay $200 co-pay $200 co-pay $200 co-pay Max Out-of-Pocket Ind. Max Out-of-Pocket Fam. $2,000 $7,000 $4,000 $10,000 $6,350 $12,500 $4,000 $14,000 $8,000 $20,000 $12,700 $25,000 Co-Insurance 90% / 10% 70% / 30% 90% / 10% 50% / 50% 80% / 20% 50% / 50% PREMIUM COVERAGE TYPE 50% postdeductible Non- Tobacco Platinum Silver Bronze Tobacco Non-Tobacco Tobacco Non- Tobacco Tobacco Employee Only Employee + Spouse Employee+ Child(ren) Family Non-Tobacco User vs. Tobacco User Medical Premium Policy Salamander is committed to encouraging healthy behaviors, improving employee health and productivity, and managing healthcare costs that impact all benefit eligible employees. As part of Salamander s health and wellness strategy, we are taking steps to reward those who are committed to improving their health to reward healthy behaviors while providing employees and their families with the resources and encouragement to lead healthier lifestyles. To this end we have Non-Tobacco User and Tobacco User premiums for our medical plans. As you may know, tobacco use is the leading cause of preventable death and disease in the United States and many of the high cost medical insurance claims can be linked to tobacco use-related illnesses. The intent of Salamander s medical premium policy is to reward non-tobacco users through lowered medical premiums and to provide an incentive to tobacco users to quit. Policy Overview: Employees covered under Salamander s medical plan will pay bi-weekly premiums based on whether they have or have not used tobacco products in the last 6 months. The difference in cost between the non-tobacco and tobacco user premium is $20 per pay period. All employees who enroll in Salamander s medical plan are required to verify their tobacco use status by completing a Tobacco Use Affidavit. If a current tobacco user completes the tobacco cessation program included in the Salamander medical plan, they will qualify for the non-tobacco user rate. The current policy only applies to the tobacco use status of the employee. This policy may be amended in the future to include the tobacco use status of dependents as well. Definition of a Non-Tobacco vs. Tobacco-User: For purposes of this policy, an employee is considered a non-tobacco user if they are not currently using or have not used any form of tobacco (cigarettes, cigars, chewing tobacco, snuff, e-cigarettes, pipe) more than twice in the last six months.
5 For purposes of this policy, an employee is considered a tobacco user if they have used any form of tobacco (cigarettes, cigars, chewing tobacco, snuff, e-cigarettes, pipe) more than twice in the last six months. Other Policy Provisions: Integrity is an important core value at Salamander and we trust that our employees will make the appropriate choice when selecting their tobacco use status. An employee who intentionally falsifies their tobacco use status will immediately be responsible for paying the tobacco user premium effective retroactively from the first date they were enrolled in the Company s medical plan and may face disciplinary action up to and including termination of employment. If an employee experiences a change in their tobacco use status during the course of the year, they should contact their Human Resources representative. Salamander s medical carrier provides smoking cessation programs and resources to assist with tobacco cessation but they are not responsible for administering the Non-Tobacco User vs. Tobacco Medical Premium Policy. If there any questions regarding the policy, they should be directed to Human Resources. Important Notice for Salamander Employees with Working Spouses The Salamander medical insurance plan requires spouses of their covered employees to join the spouse s employer sponsored health plan (on at least an individual basis) where such availability to coverage exists. When completing benefit enrollment via the Salamander Benefit Center, if a Service Professional lists a spouse as a dependent, the Service Professional will be asked a series of questions. The responses determine if the spouse is eligible for enrollment in the Salamander medical plan or not. If it is determined a spouse is not eligible, they should contact their employer immediately to discuss enrollment in their own employer-sponsored medical plan. The Health Insurance Portability and Accountability Act of 1996 (HIPAA) prohibits an employer from denying access to medical coverage due to any previous or on-going medical condition. HIPAA exclusions and limitations as long as there is proof of uninterrupted prior medical coverage do not apply. This policy applies only to medical coverage. GUARDIAN: Dental Insurance COVERAGE DETAILS Gold Silver SERVICE In-Network Out-of-Network In-Network Out-of-Network CATEGORY Preventive 100% 100% Basic 90% post-deductible 80% post-deductible 50% post-deductible Major 60% post-deductible 50% post-deductible 25% post-deductible Orthodontics (CHILDREN ONLY) Deductible (waived for preventive) 50% post-deductible 50% post-deductible Not Covered $50 Ind. / $150 Fam $50 Ind. / $150 Fam. Maximum Coverage $1,500 $1,000 Annual Rollover $700 - $1,500 $500 - $1,000 Coverage Tier Gold Plan Silver Plan PRREMIUM Employee Only $6.23 $2.55 Employee + Spouse $12.35 $5.59 Employee+ Child(ren) $14.66 $6.31 Family $20.82 $9.84
6 GUARDIAN: Vision Insurance Coverage Frequency In-Network Out-Of-Network COVERAGE DETAILS Vision Exam Every calendar year 100% (Provider may charge a fee for contact lens exams) Up to $50.00 Lenses 100% Up to $48 - $126 based on lens type Frames Contact Lenses + Lens Exam Every two calendar years *In lieu of glasses $130 Retail Allowance + 20% off additional amount Up to $48.00 $130 Allowance $105 Allowance PRREMIUM Coverage Tier Vision Plan Employee Only $3.87 Employee + Spouse $6.51 Employee+ Child(ren) $6.64 Family $10.52 GUARDIAN: Disability Insurance COVERAGE DETAILS Coverage Short Term (STD) Long Term (LTD) Benefit Up to 60% of Weekly Salary Max $1,000 per week Up to 60% of Monthly Salary Max $10,000 per month Eliminatio n Period Disability Coverage Max Coverage (Based on non-work related illness/accident) 14 Days 24 Paid Weeks 180 Days *Maximum benefit and other restrictions may apply see Insurance Summary Form 24 months or later of age 65 or Social Security Normal Retirement Ages PREMIUM Employee Only Short-Term Disability Varies based on age & elected benefit Long-Term Disability Varies based on age & benefit GUARDAIN: Basic Life and Accidental Death & Dismemberment Basic Life and AD&D COVERAGE PREMIUM All full-time Service Professionals One times annual salary Employee Only Free Company Paid
7 GUARDIAN: Voluntary Life Insurance and Accidental Death & Dismemberment COVERAGE PREMIUM Voluntary Life and AD&D Increments Maximum Coverage Employee $10,000 Up to 5X salary; cannot exceed $250,000 Guaranteed Issue of $200,000 applies to initial enrollment only Spouse $5,000 Up to 50% of Employee; cannot exceed $50,000 Guaranteed Issue of $30,000 - applies to initial enrollment only Child(ren) $10,000 $10,000 ($250 age 14 days to 6 mo.) Prerequisites Employee coverage required for dependent eligibility Rates vary based on age and benefit amount GUARDIAN: Voluntary Accident Coverage Accident coverage provides cash directly to participating Service Professional to help offset out of pocket costs Includes accidental death and dismemberment benefits Includes Annual Wellness Benefit of $50 PRREMIUM Accident Bi-Weekly Premium Employee Only $9.11 Employee + Spouse $14.61 Employee+ Child(ren) $15.01 Family $20.51 GUARDIAN: Voluntary Critical Illness Coverage Critical Illness coverage provides cash directly to participant to help offset out of pocket costs Choose a level of coverage $5,000 up to $50,000 Plan pays out if participant is diagnosed with a critical illness, i.e. heart attack, cancer, transplant, etc. Tobacco rates apply Child coverage included with Service Professional coverage Employee Coverage & Premium Issue Age Options (Tobacco User Rates in Red) PRREMIUM $5,000 $25,000 <30 $2.98 $3.72 $10.18 $ $3.54 $4.62 $12.86 $ $5.19 $7.68 $20.88 $ $8.17 $13.85 $35.31 $ $11.98 $22.20 $53.79 $ $22.99 $40.65 $ $ PRREMIUM Issue Age Spousal Coverage & Premium Options (Tobacco User Rates in Red) $2,500 $12,500 <30 $2.08 $2.45 $5.68 $ $2.37 $2.91 $7.03 $ $3.23 $4.47 $11.07 $ $4.78 $7.62 $18.35 $ $6.75 $11.86 $27.66 $ $12.37 $21.19 $54.88 $99.01
8 Service Professional Bi-Weekly Rates: Medical, Dental, & Vision Medical Rates Bronze Plan Medical Employee Bi-Weekly Contribution Employee Bi-Weekly Contribution Non-Tobacco User Tobacco User Employee Only Employee Plus Spouse Employee Plus Child(ren) Family Medical Rates Silver Plan Medical Employee Bi-Weekly Contribution Employee Bi-Weekly Contribution Non-Tobacco User Tobacco User Employee Only Employee Plus Spouse Employee Plus Child(ren) Family Medical Rates Platinum Plan Medical Employee Bi-Weekly Contribution Employee Bi-Weekly Contribution Non-Tobacco User Tobacco User Employee Only Employee Plus Spouse Employee Plus Child(ren) Family Dental Rates Silver Plan Dental Employee Bi-Weekly Contribution Employee Only 2.55 Employee Plus Spouse 5.59 Employee Plus Child(ren) 6.31 Family 9.84 Dental Rates Gold Plan Dental Employee Bi-Weekly Contribution Employee Only 6.23 Employee Plus Spouse Employee Plus Child(ren) Family Vision Plan Vision Employee Bi-Weekly Contribution Employee Only 3.87 Employee Plus Spouse 6.51 Employee Plus Child(ren) 6.65 Family 10.52
9 Service Professional Bi-Weekly Rates: Medical Only Overaged Dependents RATES BELOW APPLY WHEN ADULT CHILDREN AGE 26 TO 30 ARE ENROLLED IN COVERAGE DOES NO APPLY TO HANDICAPPED DEPENDENT CHILDREN Medical Rates Bronze Plan Medical Employee Bi-Weekly Contribution Employee Bi-Weekly Contribution Non-Tobacco User Tobacco User Employee Plus Child(ren) Family Medical Rates Silver Plan Medical Employee Bi-Weekly Contribution Employee Bi-Weekly Contribution Non-Tobacco User Tobacco User Employee Plus Child(ren) Family Medical Rates Platinum Plan Medical Employee Bi-Weekly Contribution Employee Bi-Weekly Contribution Non-Tobacco User Tobacco User Employee Plus Child(ren) Family Overaged Dependents are defined as any adult dependent child age 26 to 29 who does not meet the criteria for Handicapped Adult Child Coverage. Overaged Dependent coverage only applies to the medical benefit. Any Service Professional enrolling an Overaged Dependent acknowledges the following: 1. Any adult child age 26 or older enrolled in the medical coverage offered under the Salamander Farms, L.L.C. Health & Welfare Plan must be the Service Professional s dependent. 2. Providing proof of this dependence may be required at any time and as such, if asked, the Service Professional will submit documentation to support this claim. 3. Failure to provide such proof may result in the coverage for this child being terminated and the Service Professional being subject to disciplinary action. 4. If an Overaged Dependent is enrolled in the group plan, they meet the criteria outlined below: a. Child must be unmarried and not have any dependents of their own b. Child must be a resident of Florida OR a student c. Child cannot have any coverage under any other health insurance policy or individual benefits plan including Medicare d. Special premium rates apply
10 Salamander Benefits Retirement Plan These plan highlights are provided to all Service Professionals. JOINING THE PLAN Who is eligible to join the plan? All employees may join the plan except: Employees covered by a collective bargaining agreement Non-resident aliens with no U.S. earned income Leased employees Seasonal and Casual Employees hired on or after 11/1/2010 who do not accumulate 1,000 Hours of Service during a Plan Year Eligibility is the 1 st of the month following 3 months of service. When will I join the plan? Your participation in the plan will begin when you reach the service levels required by the plan. Your payroll deductions will start as soon as possible after your entry date. If you are a full-time or part-time new hire, you are subject to Automatic Enrollment (AE) unless you contact MassMutual to opt out. You will also be subject to an Automatic Deferral Increase (ADI) of your contribution percentage each January unless you contact MassMutual to opt. Review the enrollment kit you will receive via mail from MassMutual for more information. Make sure to keep your mailing address updated with HR so your information is sent to the correct address! MAKING CONTRIBUTIONS What is my pay under the plan? Your plan contains a definition of pay for calculating contribution amounts. Your plan may use different definitions of pay for other purposes. To learn more about what types of compensation are used by the plan, read your Summary Plan Description. How much may I contribute to the plan? The contribution(s) that you may make to the plan are displayed below: Deferred Salary Contributions these are pre-tax dollars Roth Salary Deferral Contributions these are post-tax dollars (also referred to as after-tax dollars) Rollover Contributions these are dollars from another 401(k) account that you are depositing into your Salamander account; certain rules apply DEFERRED SALARY CONTRIBUTIONS You can make a deferred salary contribution of a minimum of 1% up to a maximum of 80%. If you are subject to Automatic Enrollment and do not opt out, you will make a deferred salary contribution of 6% of your pay. If you are subject to Automatic Deferral Increase and do not opt out, your deferred salary contribution will increase 1% each January until you reach a maximum of 10%. These contributions consist of pre-tax dollars and earnings on these contributions grow tax-deferred. If you do not want to make Deferred Salary contributions, you may decline enrollment by calling FLASH ( ) or accessing The Journey site at You may increase or decrease the amount of your contributions each payroll period. You may stop your contributions any time. Please note, if you make multiple changes within a single pay period, the last change updated with the MassMutual prior to the Monday of the pay week will be the change Salamander makes in its payroll system. Also, Salamander cannot make changes to your elections within the payroll system based solely on your instruction. Salamander must receive the change via a report from MassMutual. So, if you want to make changes to your contribution percentage, contact MassMutual in a timely manner.
11 The Internal Revenue Service (IRS) limits the total amount of pre-tax and Roth contributions you may make each calendar year. For 2017, this limit is $18, However, if you reach age 50 anytime during the calendar year or are over 50, you may make additional pre-tax and Roth contributions above and beyond normal plan and legal limits. For 2017, you can make up to $6, in additional contributions. ROTH SALARY DEFERRAL CONTRIBUTIONS Through payroll deduction, you may make Roth salary deferral contributions up to 80.00% of your pay. These Roth contributions are elective deferrals that you irrevocably elect to contribute to your Roth account on an after- tax basis. The earnings on these Roth contributions grow tax-deferred and such earnings may be distributed tax free if certain conditions are met. You may increase or decrease the amount of your contributions each payroll period. You may stop your contributions any time. These contributions are also subject to the IRS limit on pre-tax and Roth contributions outlined above. However, if you reach age 50 anytime during the calendar year or are over 50, you may also make additional pre-tax and Roth contributions above and beyond normal plan and legal limits as outlined above. ROLLOVER CONTRIBUTIONS You may be able to roll over your existing retirement savings into this plan. Consolidating your retirement savings can help you continue benefiting from tax-deferred growth - despite any disruptions that may occur during your working life. Maintaining one retirement account also makes it easy for you to track your retirement savings. Please note, any money you have accumulated in another qualified plan s Roth account may be rolled over into this plan s Roth account. To learn more about making Rollover contributions to this plan, call and a Retirement Specialist will assist you. Will the company contribute? Salamander does provide a company-match. The match begins after 12 months of service. Each year, the company may decide to match a portion of the pay you contribute as pre-tax and after-tax contributions. Salamander s company match contributions are calculated as follows: Your Compensation Match % up to 1% of Compensation 50.00% over 1% up to 2% of Compensation 50.00% over 2% up to 3% of Compensation 50.00% over 3% up to 4% of Compensation 50.00% over 4% up to 5% of Compensation 50.00% over 5% up to 6% of Compensation 50.00% Your company match contributions may not exceed a total of 3.00% of your pay. These contributions grow tax-deferred. Your company match contributions will be calculated based on your pay for the entire plan year. Qualified Non-Elective Contributions Each year, your company may make Qualified Non-Elective contributions. These contributions will grow tax- deferred. Read your Summary Plan Description for more details. MANAGING YOUR ACCOUNT How will I know how much is in my account? You will receive a personal statement periodically. You may also use your Personal Identification Number (PIN) to access your account by calling FLASH ( ) or accessing The Journey at
12 24 hours a day, 365 days a year. You can check your account balance, secure investment performance information, obtain loan information and apply for a loan, make investment changes, change your deferral percentage, or request additional information about the plan. How are my contributions invested? You give investment directions for all of your account, choosing from the investment options your plan provides. Until you make an investment selection, all of your contributions will be invested in the American Funds Balanced Fund investment option. You may give investment directions for your account, choosing from the investment options your plan provides. You may change your investment choices daily. You may transfer your existing balance to other investment options daily subject to certain restrictions. To make choosing your investment options easier, your contributions are placed in one or more groups as follows: All Contributions Company Match, Deferred Salary, Qualified Non-elective, Rollover, Roth Salary Deferral, Roth Unrelated Rollover If you call FLASH ( ) or access The Journey at these group names are referenced. Salamander 401(k) Retirement Plan is intended to constitute an ERISA 404(c) plan. This means that you "exercise control" over the investments in your account. From the investment options available under your plan, you can choose which investments to put your money in now and you can switch into different investments as your needs change. Complying with ERISA 404(c) may relieve plan fiduciaries of liability for any investment losses to your account that are the result of your investment choices. As a plan participant, you are entitled to request certain information about your plan s investments, including: the annual operating expenses of each investment; financial statements, reports, or other materials relating to the plan s investments; a list of assets contained in each investment portfolio; the value of those assets and fund units or shares; and the past and current performance of each investment. How does vesting (ownership) apply to my account? Plans set a vesting schedule to determine what percentage of ownership you can apply to your account at specific points in time. You are always 100% vested in any Deferred Salary, Qualified Non-elective, Roth Salary Deferral contributions, plus earnings. In regards to fund received via the company match, the vesting schedule below applies to the both the company s contributions to your account and the earnings on those funds. Years of Service Vested Percent 0 0% 1 20% 2 40% 3 60% 4 80% 5 100% Your years of service for vesting purposes begin on your date of hire. Upon death, becoming disabled or reaching normal retirement age, you will become 100% vested in all contributions your company makes to the plan, plus earnings.
13 TAKING A DISTRIBUTION When may I withdraw money from the plan? The plan is designed to help you save for retirement. So, the IRS has placed restrictions on when you may withdraw money from the plan. You may withdraw money from your account as outlined below. Termination - You may receive your vested account balance. Additional requirements may apply. Normal Retirement - Age 65 Disability Retirement - Disability is determined based on the Social Security definition of disability. Death - Your account balance will be paid to your designated beneficiary Your plan may allow withdrawals of certain contributions and earnings while you are employed. Your Summary Plan Description provides more details about distributions, including important tax information and information on the forms of benefit your plan offers. Generally, Roth distributions, including any earnings, will not be taxable if you are at least 59 ½, deceased or disabled and your first designated Roth contribution was made at least five tax years earlier than the date of distribution. May I take out loans from the plan? You may borrow money from the plan by taking up to one loan. Your maximum loan balance may not exceed the lesser of: one half of your vested account balance or $50, You may not initiate a loan for less than $1, Your loan is secured by your remaining account balance. You must repay all loans within 5 years. However, if you use the loan to acquire your principal residence, you may repay the loan within 15 years. The interest rate on your loan will be the prime rate +1.00%. You pay back the principal and interest directly to your account through payroll deduction. If you don t repay your loan, the IRS considers the unpaid amount to be a taxable payment made to you.
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