Gold Creek Foods Benefits Guide - Admin

BENEFITS GUIDE Gold Creek Foods - Admin

W E L C O M E This booklet and plan summaries do not constitute a contract of employment. If there is a discrepancy between these summaries and the written legal plan documents, the plan documents shall prevail. For the 2026 plan year, Gold Creek Foods has worked hard to build a competitive total rewards package that includes a variety of plans to help address your health needs and create peace of mind for you and your family. This benefits guide is a summary description of your New Hire benefits plan options. Intended to help inform you about the benefits offered, plan premiums, and how and when to enroll, we encourage you to take time to understand all of your options before completing your enrollment. Be sure to save this guide as a benefits resource you can refer to throughout the year.

This benefits guide is a summary description of your 2026 benefit plans options. It is intended to help you will learn about the benefits offered, plan premiums, and how and when to enroll. Be sure to save this guide as a benefits resource you can refer to throughout the year. If there is a discrepancy between these summaries and the written legal plan documents, the plan documents shall prevail. This booklet and plan summaries do not constitute a contract of employment. Y O U R N E W H I R E B E N E F I T S E N R O L L M E N T Welcome! Your benefit elections will take effect on your first day of employment. You will not be able to change your benefits without experiencing a qualifying change in status event or until the next Open Enrollment period. If you have questions regarding benefits or open enrollment, please contact Hadasha Morris- Scott at benefits@goldcreekfoods .com or call 678-928-6970 ext. 1028. HOW TO ENROLL You will enroll using ADP with your employee credentials and follow the prompts to make your desired changes. It's important to review your options and ensure your selections align with your current needs. 1. Login with your credentials 2. Start Enrollment to select your benefits 3. Review the benefits you selected on the enrollment summary page 4. Click Sign & Agree to complete your enrollment CLICK HERE TO ENROLL AT ADP!

E L I G I B I L I T Y E M P L O Y E E S Q U A L I F Y I N G E V E N T S S P O U S E & L E G A L D E P E N D E N T S 1 All employees working 30 hours per week, or more are eligible for the benefits program. You may insure yourself and eligible family members under the program. Your benefits will begin your first day of employment. Your children are eligible for medical, dental, and vision to age 26. Your children of any age are also eligible if you support them, and they are incapable of self-support due to disability. As required by our insurance contracts, you may be required to provide proof of eligibility for your dependents. If your dependent becomes ineligible for coverage during the year, you must contact your plan administrator within 30 days. You may make a change to your benefits if you have a qualified status change such as marriage, divorce, birth/adoption, death, changes in spouse’s benefits or eligibility, and more. You must contact your HR Department within 30 days of the qualifying event to make appropriate changes.

S P O U S A L C O V E R A G E 1 I f y o u r s p o u s e i s • Eligible for coverage at his/her own employer • Offered monies to buy medical coverage outside of their employer • Eligible for/seeking • Secondary/Gap coverage • Social Security or Disability plans They may participate as a member under the Gold Creek Foods plan(s) for an additional $150 per month. This surcharge is in addition to the employee's monthly spouse or family rates.

M E D I C A L B E N E F I T S OVERVIEW Health insurance is an important component of Gold Creek Foods ’ benefits program. A quality health insurance plan provides you with protection against the financial uncertainty that can come with treating a major illness or injury. HOW IT WORKS Meritain medical plan options includes a High-Deductible Health Plan as well as the choice of a traditional copay plan. Each plan offers 100% coverage for preventive care. Plan designs on next slide. FIND A PROVIDER • Visit www.Aetna.com • Click on “Find A Provider” • You will need to know your plan, which can be found on the first page of your medical benefit summary. VISIT MERITAIN FIND A PROVIDER KRISTEN JONES Group Delta Dental PPO

COPAY PLAN HDHP W/ HSA Employer HSA Contributions N/A +$1,000 Annual Contribution Deductible (Single/Family) $2,500/ $5,000 $4,000 / $8,000 Coinsurance 20% 0% Out-of-Pocket Max (Single/Family) $6,350 / $12,700 $4,000 / $8,000 Physician/Specialist Visits $50 / $75 Copay 0% After Deductible Preventive Care 100% Coverage 100% Coverage Hospital/Out-Patient 20% After Deductible 0% After Deductible Emergency Room $500 Copay 0% After Deductible Urgent Care Centers $75 Copay 0% After Deductible MEDICAL PLAN OPTIONS

COPAY PLAN HDHP W/ HSA Retail Prescriptions: Generic $10 Deductible Retail Prescriptions: Preferred $50 Deductible Retail Prescriptions: Non-Preferred $90 Deductible Retail Prescriptions: Specialty 25% Deductible MEDICAL PLAN OPTIONS - PHARMACY

CONTRIBUTION LIMITS For the 2026 calendar year, the IRS allows you to contribute up to following amounts into your Health Savings Account: • Single coverage: $4,400 • Any tier of Family coverage: $8,750 • Additional catch-up contribution: Age 55+: $1,000 Gold Creek Generously contributes $1,000 per year into your HSA if you are enrolled I n the HDHP ! IRS limits include combined employer and employee contributions H E A LT H S A V I N G S A C C O U N T HSA Introduction Only for those enrolling in the High Deductible Health Plan (HDHP), are eligible to set up a Health Saving Account (HSA). Health Savings Accounts allow you to set aside pre-tax money to help cover your deductible and pay for other out-of-pocket healthcare expenses for you and your dependents. Pre-tax payroll deductions Tax-free withdrawals for eligible expenses Tax-free growth from interest or investment returns  You can start, stop, or change your contribution amount during the year.  You can use funds for yourself, your spouse, and/or eligible tax dependents — whether they are on your medical plan or not.  You cannot contribute to an HSA once you’ve enrolled in Medicare, but you can use any existing HSA dollars on health expenses, including Medicare premiums. HSA TRIPLE TAX SAVINGS HOW TO USE A HEALTH SAVINGS ACCOUNT View Qualified Expenses

You can use your HSA funds to pay the bill from your doctor. If you pay out of pocket, you can reimburse yourself from your HSA. H D H P A N D H S A C O N S U M E R E X P E R I E N C E Visit your healthcare provider and the office will submit the claim to your health plan. As the administrator of our health plan, Meritain processes your claim(s) and will share the amount you owe with your doctor. Providers in the Aetna POS II network will cost you less than non contracted providers. Meritain sends you the Explanation of Benefits (EOB), which includes the amount you owe the doctor. Your doctor will then send you a bill, which should match the amount due on the Explanation of Benefits. D O C T O R V I S I T E O B B I L L R E C E I V E D A M O U N T O W E D 1 2 3 4 P A Y W I T H H S A 5

M E R I TA I N H E A LT H MANAGE YOUR CLAIMS With Meritain, you can submit and track your claims online. COMPARE CARE & COSTS Our digital tools can help you find doctors in your plan’s network and compare care costs up front. DOWNLOAD YOUR ID CARD Your digital ID card is always there when you need it. FPO Did you know you can find a variety of health care tools and resources at www.meritain.com ?

A D D I T I O N A L W A Y S T O S A V E SAVE MONEY - USE NETWORK PROVIDERS The Aetna POS II network gives you the freedom to choose any doctor, but you get more from your benefits when you use network providers: you pay less out of pocket for when rendering services and the plan pays more of the cost of your services. To find a network doctor, provider, or facility, visit www.meritain.com under “Important Links”. PREVENTIVE CARE IS FREE TO YOU Covered preventive care is paid in full by any of the medical plans you choose – no deductible, no copay. Click the link for a list of covered preventive services, along with age recommendations. FAMILY DEDUCTIBLES AND OUT-OF-POCKET MAXIMUMS ARE EMBEDDED The deductible and out-of-pocket maximum for each person in the family is capped at the individual amount. In other words, once an individual has reached the individual deductible amount, the plan will start paying benefits for that person. And, once the combined expenses of all family members reaches the family amount, the deductible or out-of- pocket maximum will be considered met for all family members (even if they haven’t met the individual amount). This is a great benefit. PREVENTIVE CARE SERVICES MERITAIN REGISTRATION

H E A LT H J O Y Using Benefits is Complicated. HealthJoy Makes it Simple. HealthJoy is here to help you and your family anytime, anywhere. HealthJoy is the first stop for all your healthcare and employee benefits needs. This service is provided for free by your employer and personalized for you. • You have FREE access to Telemedicine. • You have instant access to your benefits wallet with all your benefits cards. • Our healthcare concierge and online doctors are available LIVE. • You can have an expert review and negotiate your confusing medical bills. BENEFIT WALLET MEDICAL BILL REVIEW APPOINTMENT BOOKING ONLINE DOCTOR CONSULTATIONS HEALTHCARE CONCIERGE PROVIDER RECOMMENDATIONS RX SAVINGS REVIEW HSA/FSA SUPPORT

Virtual Care at no cost to you – 24/7 CLICK FOR MORE INFORMATION CLICK FOR MORE INFORMATION

D E N TA L B E N E F I T S HOW IT WORKS The Dental Benefit Plan administered by Meritain is designed to provide the dental coverage you need with the features you want — like the freedom to visit the dentist of your choice, in or out of network. MANAGE YOUR BENEFITS Go to meritain.com or click “Manage your Benefits” to access secure information about your Dental benefits including access to an image of your ID Card. Your on-line account will be set up within 30 days after your plan effective date. FIND A DENTIST • Choose a Dental Provider near you. • Show your ID Card to your provider at the time of service. • Your provider will file your claim for you. FILE A MANUAL CLAIM • CLICK HERE to file a manual dental claim . MANAGE YOUR BENEFITS KRISTEN JONES Group Delta Dental PPO

Annual Plan Maximum $1,000 100% Covered 80% Covered 50% Covered Not Covered Deductible (Single / Family) $50 / $150 N/A Orthodontia Lifetime Maximum Preventive Services Exams, Cleanings, Fluoride, X-Rays Basic Services Fillings, Diagnostics Services Major Services Crowns, Extractions, Endodontics, Dentures, In/Outlays, Periodontics Orthodontia Services D E N TA L B E N E F I T S $2,000 100% Covered 80% Covered 50% Covered 50% Covered $50 / $150 $2,000 Lifetime Plan Option $1000 Plan $2000 Plan

HOW IT WORKS The vision plan administered by Guardian offers you and your family a benefit that covers all routine eye care, including eye exams and eyeglasses (lenses & frames) or contacts. MANAGE YOUR BENEFITS Go to www.Guardianlife.com to access secure information about your Guardian benefits including access to an image of your ID Card. Your on-line account will be set up within 30 days after your plan effective date. FIND A PROVIDER • Visit www.guardiananytime.com • You will need to know your network, DAVIS VISION , which can be found on the first page of your vision benefit summary. LINK TO FIND A PROVIDER Exam 1 per 12 Months $20 copay Glasses Lenses (Single / Bifocal/ Trifocal / Lenticular) 1 per 12 Months $20 copay Glasses Frames 1 per 24 Months $120 retail frame allowance + 20% off remaining balance Contact Lenses (Medically Necessary / Elective) 1 per 12 Months $120 retail allowance + 15% off remaining balance V I S I O N B E N E F I T S

C O S T O F C O V E R A G E Annual Employee Spend Copays Deductibles Coinsurance Out of Pocket Expenses Premium Pre-tax Payroll Deductions HOW YOU PAY FOR HEALTH CARE COSTS Remember, your total health care cost for the year is the combination of your out-of- pocket expenses when you access medical care and the premium contributions you make for coverage. Depending on your personal situation, the plan with the lowest deductibles and copays may not be the best plan for you. Be sure to look at the total cost of your expected care before making your plan decisions for the plan year. TOTAL COST OF CARE

DENTAL Weekly Premium VISION Weekly Premium MEDICAL Weekly Premium Co-Pay HDHP Employee Only $46.62 $16.62 Employee + Spouse $149.77 $102.92 Employee + Child(ren) $93.46 $72.46 Family $167.08 $119.31 $1000 Plan $2000 Plan Employee Only $2.85 $5.70 Employee + Spouse $6.21 $12.42 Employee + Child(ren) $7.44 $14.88 Family $10.69 $21.38 Premium Employee Only $0.63 Employee + Spouse $1.06 Employee + Child(ren) $1.08 Family $1.71 C O S T O F C O V E R A G E

All full-time employees are automatically (even if you are not enrolled in medical benefits) provided access to Guardian’s Employee Assistance Program with ComPsych. The EAP is a confidential resource available 24/7/365 to help you deal with a variety of life stages and concerns. Visit guidanceresources.com web ID “Guardian” or call 855-239-0743. GET HELP CLINICAL Confidential assistance for a range of concerns including addictions, depression, anxiety, stress, relationships, and parenting. WELLNESS Telephone based wellness coaching for tobacco cessation, weight loss management, fitness and exercise, stress management, parenting, and relationship support. WORK-LIFE Assistance for daily challenges at home and work including financial, legal, child/elder care, and identity theft. E M P L O Y E E A S S I S TA N C E P R O G R A M Summary of Benefit s

E M P L O Y E R PA I D B E N E F I T S L O N G - T E R M D I S A B I L I T Y This plan provides eligible employees with a Long-Term Disability benefit through Guardian at no cost to you. Long-Term Disability benefits are provided as a source of income, in the event that you become disabled from a non-work-related injury or illness. Benefits begin on the 91st day of disability. Benefit Maximum: 60% of Salary up to $15,000 per month. Guaranteed Issue: Up to $10,000 per month. B A S I C L I F E & A D & D 1 2 The plan provides eligible employees with a Basic Life and Accidental Death & Dismemberment benefit through Guardian at no cost to you. Your employer provides Term Life coverage for all full- time administrative employees. Employee Benefit: $25,000 The Guarantee Issue is the dollar amount that will be issued without submitting proof of insurability, such as answering medical questions on an application or completing a medical exam.

V O L U N TA R Y B E N E F I T S S H O R T - T E R M D I S A B I L I T Y E M P L O Y E E P A I D Short-term disability protects your income during a short period of time due to illness, or an accident not related to your job. Benefits begin on the 8 th day after an illness or accident. Benefit Maximum: 60% of your weekly income up to $1,500 for 13 weeks. V O L U N T A R Y L I F E I N S U R A N C E 1 2 Employees have the option to purchase additional life insurance. Guarantee Issue: $100,000 – N EW EN TR AN TS ON LY LATE ENTRANTS WILL SUBMIT EVIDENCE OF INSURABILITY Maximum: $500,000 (may require an EOI) Increments of $10,000 up $500,000. Coverage reductions apply starting at age 65 Spouse Benefit: Increments of $5,000 up to $250,000. (Cannot exceed 50% of employee amount. Coverage reductions apply starting at age 65) Child(ren) Benefit $10,000. (Children age 6 months to 26 years.) The Guarantee Issue is the dollar amount that will be issued without submitting proof of insurability, such as answering medical questions on an application or completing a medical exam.

S U P P L E M E N TA L B E N E F I T S A C C I D E N T C R I T I C A L I L L N E S S 1 3 Employee Benefit: $10,000 or $20,000 depending on incident Spouse Benefit: Up to $20,000 depending on incident Child(ren) Benefit: 50% of Employee’s lump sum benefit Pays you a lump sum for off the job accidents. Hospital Admission: $1,000 See schedule for additional coverage features Retirement 401(k) Save for your retirement by enrolling in Gold Creek’s 401(k) H O S P I T A L I N D E M N I T Y Hospital Indemnity pays a benefit due to hospitalization. Benefits are paid in a lump sum for a covered accident, illness, or childbirth. The benefit is $1,000 twice per year for a covered hospital admission and $100 per day up to 365 days for a hospital stay Spouse & Child(ren) Benefit Available 4 C A N C E R 2 Employee Benefit: Initial Diagnosis, $1,500, other benefits such as ambulance and surgery Radiation or Chemotherapy Benefit: Schedule amount up to $5,000/year Spouse & Child(ren) Benefit Available Click here to learn m ore about your 401k P lan! CLI CK HER E TO LEAR N M OR E ABOUT ALL OF YOUR GUAR DI AN BEN EFI TS

W E L L N E S S B E N E F I T S A C C I D E N T C R I T I C A L I L L N E S S 1 3 Accident insurance includes Wellness Benefits. Examples of covered screenings include: • Routine Annual Physicals • EKG • $100 per covered person, per year IF YOU ARE ENROLLED IN ALL BENEFITS, ALL BENEFITS MAY BE CLAIMED! If you are enrolled in one of the Guardian Voluntary plans, Accident or Critical Illness or Hospital Indemnity , you are eligible for Wellness/Health Screening Benefits – just like those plans, wellness incentive benefits pay cash directly to you. Critical Illness insurance also includes Wellness Benefits. Covered screenings include: • Routine Annual Physicals • Cholesterol • $100 per covered person, per year H O S P I T A L I N D E M N I T Y 4 Hospital Indemnity also includes Wellness Benefits. Covered screenings include: • Colonoscopy • Mammogram • $50 per covered person, per year Click here To file an Accident Critical I llness or W ellness Claim CLI CK HER E TO LEAR N M OR E ABOUT ALL OF YOUR GUAR DI AN BEN EFI TS C A N C E R 2 CANCER Screening Benefit • $125 per covered person, per year

C O N TA C T S Medical: Meritain 800-925-2272 | www.meritain.com Pharmacy: Prime Therapeutics 800-711-4500 | www.primetherapeutics.com Dental: Meritain 800-925-2272 | www.meritain.com Vision, Basic & Voluntary Life, LTD, STD, Critical Illness, Cancer, Hospital Indemnity and Accident: : Guardian 888-600-1600 | www.Guardianlife.com Telemedicine: HealthJoy 877-500-3212 | www.healthjoy.com Employee Assistance Program: Guardian ComPsych 855-239-0743| guidanceresources.com Health Savings Account: Payflex/Inspira 844-729-3539| https://inspirafinancial.com Benefits Team: Hadasha Morris-Scott 678-928-6970 Ext. 1028 | benefits@goldcreekfoods.com