FPF Defense, Inc.
2 0 26 - 2027 Employee
Benefits
Guide
Benefit plans effective September 1, 2026 through August 31, 2027.
Enrollment
Table of Contents
Enrollment Medical
|6
Dental
| 7
Vision
| 8
Life Insurance
|4
|9
Contact Information
| 12
Annual Notices Available here
2
Enrollment
Benefits Designed to Support You At FPF Defense, we know our dedicated employees —YOU —are key to our overall success. Your benefits are an important part of your total compensation and are designed to support your health, financial security, and overall well -being. Each year we review our benefits package to ensure that we are providing you and your family with quality plan options at an affordable cost.
This Benefits Guide is designed to help you: 1. Better understand the benefits we offer so that you can choose the plans that are right for you and your family. 2. Know what to expect when you use your benefits (i.e., what your plan covers, how much you will pay, etc.).
Please take the time to carefully review your plan options and be sure to share this guide with your family members if they are or will be covered by any of the plans.
Eligibility You are eligible to enroll in the FPF Defense benefits if you are a full -time employee working at least 30 hours per week. Your benefits are effective the first day of the month following your date of hire.
Covering Your Family Members Many of the plans offer coverage for your eligible family members, including: • Your spouse. • Your children to age 26, regardless of student, marital, or tax
-dependent status (including a stepchild, legally -adopted child, a child placed with you for adoption, or a child for whom you are the legal guardian). • Your dependent children of any age who are physically or mentally unable to care for themselves.
Your benefits begin the first day of the month following your date of hire.
3
Enrollment
Enrolling and Making Changes When to Sign Up for Benefits New Employees As a new employee, you must enroll in benefits within 30 days of your date of hire. If you do not enroll within 30 days, you will need to wait until the next open enrollment period to enroll. Current Employees Open enrollment is the only time during the year that you can change your benefits unless you experience a qualifying life event. During the open enrollment period, you can newly -enroll in coverage or make changes to your current elections. Some coverages may require evidence of insurability (EOI) if you are newly enrolling, increasing coverage or electing coverage above the guaranteed issue amount. If you wish to contribute pre -tax dollars to a flexible spending account or health savings account in 2027, you must make a new election during open enrollment. FSA and HSA elections do not carry over from year to year. At FPF Defense, open enrollment is typically held in August. Any changes you make during open enrollment become effective September 1. To complete your enrollment, you will need: • Dates of birth and social security numbers for yourself as well as any family members you are
enrolling. • Proof of eligibility for your spouse and dependent children (e.g., marriage license and birth certificate).
Changing Your Benefits During the Year As stated above, you cannot change your benefits during the year unless you experience a qualifying life event. The most common qualifying life events are: • Marriage, legal separation, or divorce. • Birth of a child (including adoption). • Loss of other coverage (e.g., child turns 26 and loses coverage through parent’s plan).
There are other, less common life events that allow you to change your benefits. Please contact Human Resources for a complete list of qualifying life events. To request a benefits change, notify human resources within 30 days of the qualifying life event. Change requests submitted after 30 days cannot be accepted. Please note: You may need to provide proof of the event, such as a marriage certificate or record of birth.
4
Contribution Rates
Contributions The amounts listed below show what you pay for benefits on a pre from your semi -monthly paycheck.
-tax basis. Deductions are taken
Dental Plan Employee
$0
Employee + S pouse
$20.72
Employee + C hild(ren)
$36.08
Employee + Family
$62.34
Vision Plan Employee
$0
Employee + S pouse
$3.41
Employee + C hild(ren)
$3.55
Employee + Family
$7.85
5
Medical
ICHRA What is an ICHRA? Individual Coverage Health Reimbursement Account
(ICHRA)
ICHRAs are different from traditional health insurance plans because it allows you to choose and purchase the health insurance coverage that fits needs of you, your family, and your budget while FPF Defense reimburses you for a portion of the premiums.
Benefits of an ICHRA • You select a plan that fits the needs of you and your family what’s right for you.
—from deductibles to doctors, you decide
• You select a plan that fits into your budget.
• You can continue to benefit from the same tax advantages of any other health insurance premium. • ICHRAs have flexibility and portability that other types of health insurance plans do not, since you can keep your coverage even if you change jobs.
FPF Defense has partnered with Thatch to help you choose a plan. Enrolling on Thatch for the first time
When it’s time to enroll on Thatch, you’ll get an email from hello@thatch.com *. Sign up using the link in your invitation email.
Questions about health insurance
Ask Thatch is here to help! Just look for the purple help icon in the lower right corner of your screen:
To schedule time with Thatch’s licensed concierge team:
Help choosing a plan
Option 1) Tell Ask Thatch you want to schedule time with an advisor, or Option 2) Click help & support in the lower left corner of your screen and select I need help choosing between plans .
Managing your benefits on Thatch
Log into your Thatch Member Dashboard to review your enrollment status, check on payments, make changes to your plan, and more.
Other questions and inquiries
Tell Ask Thatch what you need, and a member of the Thatch support team will reach out to you by email. The Thatch team can also be reached at support@thatch.com .
*Please note that this email address is used for outgoing messages only and is not monitored for replies. If you have questions, please reach out to support@thatch.com . 6
Dental + Rates
Dental FPF Defense offers dental insurance through Guardian. This plan includes both in - and out -ofnetwork benefits, so you may visit any dentist you choose. However, you will typically pay less out of pocket when you use a Guardian network dentist. If you visit an out -of-network dentist, you may be responsible for charges that exceed the reasonable and customary (R&C) allowable amount, which is the amount the plan considers typical for a service in your area. To find a Guardian network dentist, visit guardian.com (network name: DentalGuard Preferred ). The table below summarizes the key features of the dental plan. The amounts shown reflect what you pay for covered services. Please refer to the official plan documents here for complete details on coverage, limitations, and exclusions. Type of Service
In Network
Out of Network
Calendar Year Deductible Single Family
$50 $150
$50 $150
Annual Dental Maximum per Person
$1,500
$1,500
Preventive Services Oral exams, cleanings, x -rays
0%
0%
Basic Services Fillings, gum treatment, simple extractions
20%
20%
Major Services Crowns, bridges, dentures
50%
50%
Not Covered
Not Covered
Orthodontia
Dental Plan Employee
$0
Employee + S pouse
$20.72
Employee + C hild(ren)
$36.08
Employee + Family
$62.34
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Vision
Vision FPF Defense offers vision insurance through Guardian. This plan allows you to choose any eye care provider. However, you will maximize the plan benefits when you choose a network provider. Locate a Guardian network provider at guardian.com (network name: VSP ). The table below provides a summary of the key features of the vision plan. The amounts shown reflect what you pay for covered services. Please refer to the official plan documents here for complete details on coverage and exclusions. In Network Vision Benefits
Copay
Well Vision E xam
• One every calendar year
$10
Frame
• $150 allowance + 20% off amount over your allowance • Once every calendar year
$25
• Single vision, lined bifocal, and lined trifocal lenses • Lenticular lenses • Once every calendar year
$25
Lenses
Lens Enhancements
• Standard progressive lenses • Premium progressive lenses • Custom progressive lenses • Average 20 -25% off other lens enhancements
$55 $95 - $105 $150 - $175
Contacts
• Contact lens exam (fitting and evaluation) • $150 allowance for contacts (no copay) • Once every calendar year (in lieu of glasses)
Copay waived
*Dependent children are covered to the end of the month in which they turn age 26.
Vision Plan Employee
$0
Employee + S pouse
$3.41
Employee + C hild(ren)
$3.55
Employee + Family
$7.85
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Life and AD&D Insurance
Basic Life and AD&D Insurance FPF Defense provides you with basic life and AD&D insurance at no cost to you. Life and accidental death and dismemberment (AD&D) insurance provides financial protection for those who depend on you for financial support.
Basic Life and AD&D Insurance Life Insurance
Age Reduction
Benefit Amount
65% at age 65 and to 40% at age 70
$10,000 AD&D Insurance
Benefit Amount
65% at age 65 and to 40% at age 70
$10,000
More plan details can be found
here.
Now is a good time to review and update your beneficiary designation!
9
Life and AD&D Insurance
Voluntary Life and AD&D Insurance Depending on your personal situation, basic life and AD&D insurance might not be enough coverage for your needs. FPF Defense provides you the option to purchase voluntary life and AD&D insurance at group rates through Guardian. You can also purchase coverage for your spouse and eligible children. You must purchase additional coverage for yourself in order to purchase coverage for your spouse and/or child(ren).
Life and AD&D Insurance
Employee
Spouse
Benefit Amount
Guaranteed Issue
Age Reduction
$10,000 increments up to $200,000
$100,000
65% at age 65 and to 40% at age 70
$10,000 up to $200,000 in increments of $5,000, not to exceed 100% of the employee coverage amount
$25,000
65% at age 65 and to 40% at age 70
$500
$10,000
N/A
$1,000 to $10,000 in increments of $1,000, not to exceed 100% of the employee coverage amount
$10,000
N/A
Dependent child(ren) Birth to 14 days
14 days to age 19 (or 26 if a full -time student)
If you elect Life and AD&D insurance when you are first eligible , you may choose coverage up to the guaranteed issue amount(s) without completing evidence of insurability (EOI). EOI is the process of providing health information to the insurance carrier for review. You may be asked to complete a health questionnaire and, in some cases, provide additional medical information or complete testing before coverage is approved. If you do not enroll when first eligible and decide to enroll during a future open enrollment period , you will need to complete EOI for any amount of coverage. Coverage will not take effect until approved by Guardian.
10
Life and AD&D Insurance
Voluntary Life and AD&D Pricing Use the rates below to estimate your monthly premium. Rates are shown per $1,000 of coverage. Choose your age band, add the Life and AD&D rates, then multiply the combined rate by your coverage amount divided by $1,000. Find more details and the semi -monthly rates here.
Monthly rate per $1,000 Estimate your cost Age
Life Rate
AD&D Rate
< 30
$0.083
$0.023
30-34
$0.089
$0.023
35-39
$0.115
$0.023
40-44
$0.168
$0.023
45-49
$0.266
$0.023
50 -54
$0.430
$0.023
55-59
$0.675
$0.023
60 -64
$0.939
$0.023
65-69
$1.560
$0.023
70+
$3.166
$0.023
1. Select your desired coverage amount. 2. Divide the coverage amount by $1,000. 3. Add the Life and AD&D rates for your age band. 4. Multiply that combined rate by the result from step 2. 5. Divide the monthly cost by 2 to estimate your cost per semi -monthly paycheck.
Example: 50 -year -old employee $50,000 of Life + AD&D coverage $50,000 ÷ 1,000 = 50 $0.430 + $0.023 = $0.453 $0.453 × 50 = $22.65 $22.65 / 2 = $11.325 $11.325 / per paycheck Estimated employee cost for this example
Child coverage Child
$0.169
per paycheck
$0.023
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Benefits Contact Information
Important Contact Information
Carrier Contact Information
Phone Number
Website
support.thatch.com
Medical —Thatch ICHRA
Dental —Guardian
(888) 482 -7342
guardiananytime.com/ fpapp /search
Vision —Guardian
(888) 482 -7342
guardiananytime.com/ fpapp /vision
Life Insurance —Guardian
(888) 482 -7342
guardianlife.com/life -insurance
FPF Defense, Inc. FPF Defense Human Resources
| 347-463 -4568 | cory@fpfdefense.com
12
FPF Defense, Inc.
Please refer to the official plan documents for more complete descriptions of the benefit plans. In the event of any inconsis or discrepancies between the information provided in this guide and the official plan documents, the official plan documents prevail. FPF Defense reserves the right to amend, suspend or terminate any benefit plan, in whole or in part, at any time wit notice, including making changes to comply with and exercise its options under applicable laws. The authority to make such changes rests with the Plan Administrator. To view the summary plan descriptions and certificates of coverage, contact HR. Yo may request a no -cost printed copy of the summary plan description and other official plan or program documents from Human Resources at 347 -463 -4568.
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