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APC Benefits Information

APC is committed to providing our employees with challenging opportunities for professional growth with compensation and benefits that exceed the industry norm. We understand that you have a choice and value that you have selected APC.

APC offers a Cafeteria 125 Plan, which allows employees to pay for certain benefits—such as health insurance, accident and disability coverage, medical expenses—on a pre-tax basis. This plan can help reduce your taxable income, resulting in potential tax savings throughout the year.

If you are a full time, regular employee, you are eligible to participate in all of APC’s benefits. Part-time employees are eligible for some benefits.

Please reference the Employee Benefits Summary for a quick review of all offered benefits. for a quick review of all offered benefits.

All Benefits Coverage begins on the first day of the month following the 60-day wait period and ends on the last day of the month after your employment ends.

Once you start, you will receive an email from our benefits portal, Employee Navigator, with instructions on how to enroll in your benefits. View more details on each benefit below. 

Please note that you must enroll in Benefits within sixty (60) days of your first day of employment if you desire the coverage.

Need to make changes to your benefits?

If you are a current employee already enrolled in benefits, or recently became eligible and need to request a change to your benefits, please log in to the benefits portal at www.employeenavigator.com and click on the “Benefits” section and then “Change Coverage”. Please submit your documentation for requesting the change to benefits@apcinc.com and you will be contacted regarding the request.  If you would like to speak with someone in HR about benefits, please contact: benefits@apcinc.com.

Medical Insurance

Medical Insurance

Healthy vs. Sick? That’s an easy choice. However, some things are out of our control but APC’s group Medical Insurance plan will be there when you or your family is sick or injured. Understanding your medical coverage will give you peace of mind when you need it most.

Health Plan Documents

Plan Documents

Medical Rates 2026 – Cigna

As a valued member of our team, APC shares the cost of Medical Insurance with you by supplementing your premiums up to a certain amount.
All Benefits Coverage begins on the first day of the month following the 60-day wait period and ends on the last day of the month after your employment ends.

 Employee Cost – Weekly
Employee$73.95
Employee & Spouse$216.66
Employee & Child(ren)$188.12
Family$336.30
 

Legal Notices

Dental Insurance

Dental Insurance 2026 – Aetna

Make sure your smile stays healthy and strong. Visiting a dentist regularly not only keeps cavities at bay, but other medical issues may be identified during your regular check up.

Dental Plans Comparison 

 Employee Cost – Weekly
 BaseBuy-Up
Employee$6.66$10.24
Employee & Spouse$14.21$21.06
Employee & Child(ren)$14.08$23.66
Family$21.77$34.49
Vision Insurance

Vision Insurance

Taking care of your vision is important in a world where we spend most of our day looking at computer screens, phones and tablets. APC’s group Vision insurance plan will help keep you seeing things clearly.

Plan Documents

 

Employee Cost – Weekly

Employee

$1.22

Employee & Spouse

$2.33

Employee & Child(ren)

$2.45

Family

$3.61

Life Insurance

 

Life Insurance

Life insurance provides you and your family some financial protection. As a full time employee, you are eligible to participate in APC’s Group Voluntary Life Insurance Plan after 60 days of employment. You may elect coverage for yourself, your spouse, and/or your children. You must complete and submit your enrollment form within your first 30 days of employment. If you elect coverage above our Guarantee Issue of $100,000, you will be required to submit to the carrier an Evidence of Insurability Form.

Spouse Life Insurance is issued in Increments of $5,000 and they may be eligible to receive up to 50% of the employee’s Life Coverage amount.

Plan Documents and Information

Life Insurance Documents and Information

This handout is for illustrative purposes only. The payroll deductions are an approximation. Please see your paycheck for actual payroll deductions. If there is a discrepancy between this handout and your paycheck, your paycheck stub prevails.

Child life insurance is a flat rate of $0.92 for $10,000 in coverage.

Click on the form below to see the cost summary.
 Cost Summary (PDF)

 Enrollment Form (PDF)
 Benefit Waiver Form (PDF)
 Evidence of Insurability Form (Web)
 Claim Form (PDF)

Supplemental Benefits

Supplemental Benefits

Get Benefits to spend on what you need when you need them. Supplemental Benefit policies are different from our traditional health plans, they help cover costs that health plans may not include and provide coverage for certain kinds of illnesses, accidents and injuries. APC’s Supplemental Benefits are currently provided by Transamerica.

  • Accident Insurance – Pays benefits when you’re injured, provides coverage for medical and out-of-pocket expenses that may not be covered by your major medical insurance.
  • Critical Illness Insurance – A critical illness insurance payout helps you avoid the financial strain a major illness can create so you can focus on your recovery.
  • Hospital Indemnity – Provides coverage when admitted into the hospital to help offset the out-of-pocket costs associated with medical plans (deductibles, coinsurance, etc.). Covered benefits can include Hospital Confinement, Hospital Admission benefit, Intensive Care benefit, and can even cover diagnostic services and emergency room benefits.
  • Short Term Disability – Income protection for up to 60% of your salary. Elimination period and monthly benefits that fit your needs. Waiver of premium for total disability. Partial disability benefits.

 Enrollment Booklet (PDF)

Plan Cost

Cost for each plan will vary based on the amount of coverage requested, and other factors.

Forms

LegalShield

LegalShield

With LegalShield, employees have legal support when they need it most. Participants receive direct access to a dedicated provider law firm including 24/7 emergency legal access for covered matters. Areas of Advice and Consultation – Will and Estate Planning, Document Review, Family and Domestic related services, Home services, Finance, and many other additional benefits. The mobile app makes it more convenient to use the plan participants can get the legal help they need quickly.

401K Plan

Are you prepared for your future?


If you are an APC employee who worked at least 160 hours during the course of your first 60 days of employment, you are eligible to participate in our 401(k) Retirement Plan. APC’s 401(k) plan provider is American Funds.

Regardless of what stage in life you are in, 401(k) should be an important piece to anyone’s financial security. An advantage to contributing to a 401(k)-retirement plan is not paying income taxes on what you defer until you take the money out.

To help you prepare for retirement, Alliance of Professionals & Consultants, Inc. offers you a retirement plan with an automatic enrollment feature. This means that eligible employees are enrolled automatically in the plan to make contributions through convenient payroll deductions, which will be invested in the default investment option for the plan – unless you choose other investment options.

Automatic Enrollment Feature- If you qualify and don’t opt out or make an affirmative employee contribution election, you will be automatically enrolled in the plan. 3% of your eligible pay will be withheld on a before-tax basis and contributed to the plan as an employee contribution.

During the 90 days after automatic contributions are first taken from your pay, you can withdraw the prior automatic contributions by turning in a Permissible Withdrawal Form to Capital Group- American Funds at www.capitalgroup.com . The refunded amount will be adjusted for any gain or loss.

If on or after the effective date of the automatic enrollment feature you elect not to contribute or to contribute at a rate other than the plan’s automatic enrollment percentage, the automatic enrollment feature will not apply to you.

Automatic Increase Feature- Your contribution level will be increased by 1% each year until your rate of contribution is 10% of your plan compensation.

You can stop your employee contributions (or choose not to participate) at any time and you can change or restart your employee contributions at any time by taking the following action: Access your account either by visiting the plan’s website at myretirement.americanfunds.com or by calling the toll-free number at (800) 204-3731. Select your new contribution percentage. Make your contribution election (select 0% if you choose not to participate).

You can also contact CAPTRUST for any financial guidance regarding your retirement plan decisions. Call 800.967.9948 or visit www.captrustadvice.com

401K Plan Documents and Information

401K Enrollment

APC sponsors a 401(k) Retirement Plan in which it encourages all eligible employees to participate. Eligible employees are those who work at least 160 hours in their first 60 days.

Within two weeks of becoming eligible to participate in the Plan you will receive an enrollment book and your temporary 401(k) PIN from American Funds. Instructions for logging into your account and using the voice response system are given in the PIN letter. Following are step-by-step instructions for logging into your personal account:

  1. On the Internet, access www.myretirement.americanfunds.com, American’s Retirement Planning Center.
  2. Select “Log in” under the Access my account tab on the left side of the page OR select “Access my account” under the My Account tab at the top of the page. Either selection will take you to the Account login page.
  3. Enter your Social Security Number in the first box and the temporary PIN that American Funds mailed to your home address in the second box.
  4. You will be taken to the Welcome and Enroll page.
  5. To change the deferral percentage, select “Update deferral” under the Update your account heading. Determine whether you want a percentage amount or a fixed dollar amount to be deferred pre-tax from your bi-weekly check and enter the number in the “Before tax” box. Enter 0% if you do not want any of your pre-tax income to be deferred to your 401(k) account. Remember, you can logon and change this number at any time, and it will be effective within the next two pay periods. At the top of the page is a tab entitled “Calculators & Learning Tools”. These may prove to be very useful in deciding how much you would like to contribute to your retirement plan.
  6. 3% of your pre-tax income will automatically be deferred into the American Balanced Fund unless you change the investment selection. To change the investment, select “Direct Future Contributions” from Update your account . Choose “Select my own Investment Options” to choose the individual funds independently from one another, or choose one of the “Asset Allocation Models”. You will also see links in these sections to additional information for both of these choices. You may select any number of the individual funds in our plan or you may select one asset allocation model.
  7. The site gives you access to a great deal of information such as fund details, prospectuses, fund returns, retirement planning, etc. Utilize this information and these tools as you determine or re-evaluate your investment strategy and goals. Also, you have access to a financial advisor, Will Chitwood with Captrust. His telephone number is 919-278-9656 or contact him by email at william.chitwood@captrust.com .
  8. And last, complete the Beneficiary Designation form on the very last page of your enrollment book and mail it to Human Resources (8200 Brownleigh Drive, Raleigh, NC 27617)

We hope you find these instructions helpful. Please let us know if you need any assistance with the website.

Plan Information

With around-the-clock account access We’ve made it easier for you to keep track of your account, make changes to your investments and more via a toll-free, voice response system (VRS) and the plan’s website, www.myretirement.americanfunds.com. You can also speak with American Funds Retirement Plan Specialists who are available to assist you 9 a.m. to 8 p.m. EST, Monday through Friday at (800) 204-3731.

You will receive a booklet and enrollment form from American Funds in the mail within 14 (fourteen) days of your date of eligibility. It is complete with investment basics, plan features, and highlights of your investment options.

American Funds Retirement Plan Forms

Enrollments, allocation and deferral changes, and distributions are completed online at www.myretirement.americanfunds.com or via the Voice Response System (VRS) at 1-800-204-3731.

College Savings Plan

College Savings Plan

It’s never too early to start saving for college. Now there’s an easy, tax-free way!

Section 529 College Savings Programs are tax-advantaged college investment programs that offer many advantages over other taxable college savings accounts.

Benefits of using a College 529 Plan:

  • Investments grow free from federal tax.
  • You control the account and decide when withdrawals are made.
  • Withdrawals are qualified higher education expenses and are free from federal tax.
  • You can open accounts for anyone, including children, grandchildren or yourself.
  • You can use your assets to pay for college, graduate school or even technical training.

For more information and to better understand 529 plans, click:

Click one of the links below to be directed to information on your state’s plan as well as other 529 plans:

For enrollment information, please contact American Funds directly at 1-800-421-4225.

Please note that residents are NOT limited to investing in their own State’s plan. Another state may offer a plan that performs better and has lower fees. If there is no tax break offered for in-state investors… shop around! The plan selected does not affect the student’s ability to enroll and use funds in other states. For example, an investor can live in NY, invest in a plan from NV and send a student to college in FL. Choose your plan based on its performance & resident tax rules, not college location. Use the link below to compare:

CollegeAmerica SM 529 Savings Plan Forms

For enrollment information, please contact American Funds directly at 1 800 421 4225.