2025 Shanty Creek Benefit Guide : simplebooklet.com

Open EnrollmentGetting startedThis year is an ACTIVE ENROLLMENT which means that you must log into ADP toconfirm medical, dental, vision, and voluntary life/AD&D benefits for 2025. Log into ADP to confirm your medical, dental, vision, andvoluntary life/AD&D benefits for an exciting year ahead!Medical Benefits:Lower Premiums: You’ll see a slight decrease in your medical contributions for 2025!HDHP-HSA Plan: The deductible is only up—from $3,200 to $3,300 for individuals. Company HSA Match: In a continued effort to encourage employees to sign up for theHDHP-HAS Plan we will continue to invest in YOU. Get up to $750 for single coverageand $1,500 for family coverage to support your healthcare costs!Wellness Discount: Earn a $30 monthly discount on premiums by completing your annualphysical (11/1/2023 - 10/31/2024).Wellness Rewards: Enroll in UMR’s Wellness Program to earn up to $100 in rewards foryou and your spouse!OPEN ENROLLMENT FOR 2025 IS HERE!Dental, Vision, and Life/AD&D:New Provider: Starting January 1, 2025, benefits move to MetLife with lower dental &vision premiums!Expanded Networks: MetLife offers a larger dental provider network (PDP Plus) andmultiple vision options (VSP and Davis).Life/AD&D Special Enrollment:New Provider: Starting January 1, 2025, benefits move to MetLife for life insurance!Exclusive Opportunity: Enroll in voluntary life/AD&D coverage up to guaranteedamounts—$100,000 for employees, $25,000 for spouses, and $10,000 for children—without health questions!Enhanced Coverage Options: Coverage above guaranteed amounts requires submittingan EOI by November 16, 2024.Act Now to lock in these exciting benefits and secure ahealthy, happy 2025!

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You must request a change to yourbenefits within 30 days of your life event(60 days for changes involving Medicaideligibility). Documentation may be required.Enroll nowYour benefits begin on the date of hire.Be sure to submit your selections withinyour first 30 days of benefits eligibility. Your benefit selections will be in effectthrough December 31. Open Enrollment is your one chance eachyear to review your coverage options andmake changes to your benefits.Your choices are in effect from January –December of the following year unlessyou have a qualifying life event. Qualifying life events allow you tochange your coverage during the yearoutside of Open Enrollment. Theseinclude:marriage or divorce, birth or adoption, death of a covered dependent, and a change in eligibility throughMedicare, Medicaid, or a spouse orparent's coverage.Your benefit plans are in effect January 1 –December 31 each year. In general, thereare three times you can make benefitselections:Making benefit selectionsGetting startedEligibility Enrolling in coverageFor youYou are eligible for benefits as a full-timeemployee working at least 30 hours perweek.Your Spouse When you're first eligible At Open Enrollment If you have a qualifying life eventYou may also cover your eligibledependents when you elect coverage foryourself.Covering your familyDependent children are eligible:Medical, dental and vision: until age26 regardless of student or marital statusYou may cover your legal spouse.Your children

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Balance billingWhen you use an out-of-network medical or dentalprovider, they may bill you thedifference between what theycharge and the amount yourinsurance pays.Medical: balance billing is inaddition to – and does not counttowards – your out-of-pocketmaximum.CoinsuranceAfter you’ve met yourdeductible, you’re sometimesresponsible for a percentage ofthe cost of the medical care,dental care, or prescriptionmedication you received. Thispercentage is coinsurance.CopayA flat fee you pay each time youreceive a copay-eligible medical,dental, or vision service orprescription medication. DeductibleThe amount you’re responsiblefor paying in care expensesbefore the medical or dental planstarts paying deductible-eligibleexpenses.In-networkIn-network care is always yourlowest-cost option. Networks aregroups of medical, dental, andvision providers, pharmacies,and facilities that agree todiscount the cost of their care orservice.Out-of-pocket maximumThe most you’ll pay for coveredin-network medical care in ayear. This includes yourdeductible, any coinsurance orcopays, and prescription drugs. The out-of-pocket maximumdoes not include your premium(the amount you pay forcoverage), non-covered expenses,or out-of-network care that’sbeen balance billed.Primary care physicianA primary care physician (PCP) isyour main medical doctor –usually a general practitioner(GP), family doctor, internist,OB/GYN, or pediatrician (forchildren).Referral/pre-authorizationSome specialty medical providersand services require a referralfrom a primary doctor. These mayinclude - but are not limited to -cardiology, psychiatry,orthopedic surgeons,rheumatology, surgery, andimaging (CT or MRI).Have questions? Your advocate is here to help youwith all things benefits. See theircontact information on the nextpage.How to handlemedical bills (4:46)Annual NoticesWe’re required to tell you aboutcertain rights and responsibilities youhave as an employee of Shanty CreekResort. You can request a paper copy at nocharge from Brian Coon.231.533.3000 ext 3700bcoon@shantycreek.comDownload nowHelpful terms & resourcesGetting startedWe've removed as much jargon as possible.But you’ll probably still encounter some terms as you enroll in and use your benefits, and wewant you to be prepared!

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Medical insuranceUMRGroup: 76-4157251.800.826.9781www.umr.comHealth Savings Account (HSA)FidelityGroup: 0395F800.603.4015www.netbenefits.comPharmacyOptumRx/RxBenefits1-800-334-8134www.optumrx.comNEW CARRIER: Dental insuranceMetLife1.800.638.5433www.metlife.comNEW CARRIER: Vision insuranceMetLife1.800.638.5433www.metlife.comNEW CARRIER: Life and AD&D insuranceMetLife1.800.638.5433www.metlife.comBrian CoonHuman Resources231.533.3000 ext 3700bcoon@shantycreek.comTracey CooperHuman Resources231.533.3000 ext. 3699tcooper@shantycreek.comJeremy LeachPeople Services & Payroll Analyst231.533.3000 ext. 7588jleach@shantycreek.comContact informationGetting startedHUMAN RESOURCESCARRIER CONTACTS

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In-network carePPO planHDHP planNetwork name:National PPONational PPOAnnual Deductible (DED)Out-of-pocket maximum$1,000 per person $2,000 family max$6,000 per person $12,000 family max$3,300 per person$5,600 family max$5,600 per person $11,200 family maxPreventive carePrimary care visitSpecialist visitVirtual visit100% covered$35 copay$50 copay$50 copay100% covered 80% covered after DED80% covered after DED80% covered after DEDUrgent careEmergency roomInpatient hospital care$50 copay$200 copay80% covered DED after copay80% covered after DED80% covered after DED80% covered after DEDPrescription drugsGeneric Preferred brand Non-preferred brand(30 days | 90 days)$10 copay | $25 copay$45 copay | $112.50 copay$90 copay | $225 copay(30 days | 90 days)$10 copay | $25 copay$45 copay | $112.50 copay$90 copay | $225 copayOut-of-network careAnnual deductible Out-of-pocket maximum Balance billing applies$2,000 / $4,000 $11,000 / $22,000Balance billing applies$4,000 / $8,000$6,000 / $12,000See plan detailsSee plan detailsMedical InsuranceThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Finalrates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.See your plan documents for out-of-network benefits.Both plans cover in-network preventive care at 100%, prescriptiondrugs, and include an annual limit on your expenses. The differencesare: what you pay for the plan, what you pay when you get care, how out-of-network care is covered, andyour annual maximum cost for care (out-of-pocket maximum).Select from two medical options through UMR.If more than one person in a family is covered under the policy, the individual deductible and out-of-pocket stated aboveapplies, the entire family deductible would not have to be met before the coinsurance applies. PREVENTIVE DRUG LIST

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Medical InsuranceThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Finalrates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.2025 PPO PLANWellness PremiumNon-Wellness PremiumYour cost for coverageEmployee onlyEmployee + SpouseEmployee + Child(ren)Employee + FamilyPer paycheck$117.92$341.67$264.14$488.62Per paycheck$132.92$356.67$279.14$503.622025 HDHP PLAN Wellness PremiumNon-Wellness PremiumYour cost for coverageEmployee onlyEmployee + SpouseEmployee + Child(ren)Employee + FamilyPer paycheck$36.26$164.41$120.33$249.84Per paycheck$51.26$179.41$135.33$264.84Medical Rates: Semi-Monthly2024 PPO PLANWellness PremiumNon-Wellness PremiumYour cost for coverageEmployee onlyEmployee + SpouseEmployee + Child(ren)Employee + FamilyPer paycheck$121.34$350.84$271.31$501.57Per paycheck$136.34$365.84$286.31$516.572024 HDHP PLAN Wellness PremiumNon-Wellness PremiumYour cost for coverageEmployee onlyEmployee + SpouseEmployee + Child(ren)Employee + FamilyPer paycheck$36.47$165.16$120.89$250.94Per paycheck$51.47$180.16$135.89$265.94Slight decrease in premiums for 2025!2024 Premiums2025 Premiums*Shanty Creek employees have 26 pay periods, however, due to some months requiring three paychecks, benefits are only paid based on 24 pay periods

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The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Finalrates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.UMR Resources & ProgramsThe tools and information at umr.com are both practical andpersonalized so you can get the most out of your benefits. Registerat umr.com and connect to current information about your benefitsand healthcare interests. You can: Review eligibility and benefits informationCheck the status and history of your claimFind a physician or hospital Print a temporary ID card or request a replacement cardReview hospital specialties and quality and cost information onhospitals in your area Chat with a registered nurse in real-time Get a personalized Health Assessment that will help you setgoals and change health habits The member website makes managing your personal health andbenefits easy and convenient. Learn about health conditions,treatments, and costs. Also, see how the member website can saveyou time and money by helping you manage your health carecoverage and at the same time make more informed decisionsabout medical treatments and overall wellness. It’s easy to register:Step 1: Visit umr.com and click “Login/Register”Step 2: Enter the requested informationStep 3: Begin using the siteNetwork of Providers/Provider DirectoriesYou receive the best benefits if you see providers who participate in the network. You may godirectly to any network provider at any time and receive the network level of benefits for mostservices. For the most current listing of network providers, go to umr.com or call the customerservice number on the back of your Medical ID card. To be sure you receive the proper level ofbenefits, call the provider before you go to the appointment and verify that they are currently in theUHC Choice Plus network. When you see the provider, show your ID card so they submit yourclaim properly.Plan benefits are based on negotiated rates for services rendered at in-network providers.Avoid Claim Pains - Use Your ID Card!After you enroll, you will receive an ID card. Whenever you go to the physician or any otherprovider, always show your UMR ID card to the provider - and make sure they have your IDnumber. This will always help ensure your expenses are covered properly and your claims arehandled quickly.

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Care CenterWhy would I use this carecenter?What type of carewould they provide?What are the costs &time considerations?Doctor’sOffice You need routine care or treatmentfor a current health issue. Yourprimary doctor knows you and yourhealth history, can access yourmedical records, provide preventiveand routine care, manage yourmedications and refer you to aspecialist, if necessary.Routine checkups ImmunizationsPreventive services Manage your generalhealthOften requires a copaymentand/or coinsurance.Normally requires anappointment. Little waittime with scheduledappointment Convenience Care ClinicYou can’t get to your doctor’s office,but your condition is not urgent oran emergency. Convenience careclinics are often located in malls orretail stores offering services forminor health conditions. Staffed bynurse practitioners and physicianassistances. Common Infections Minor skin conditions Flu shots PhysicalsMinor cuts Ear achesOften requires a copaymentand/or coinsurance. Walk inpatients welcome with noappointments necessary,but wait times can varyUrgent CareCenterYou may need care quickly, but it isnot an emergency, and your primaryphysician may not be available.Urgent care centers offer treatmentfor non-life threatening injuries orillnesses. Staffed by qualifiedphysicians. Strains, sprains Minor broken bones (e.g.finger)Minor infectionsMinor burns X-raysOften requires a copaymentand/or coinsurance usuallyhigher than an office visit.Walk in patients welcome,but waiting periods may belonger as patients with moreurgent needs will be treatedfirstEmergencyRoomYou need immediate treatment of avery serious or critical condition.Treatment of life-threatening or veryserious conditions that requireimmediate attention. If a situationseems life threatening, take action.Call 911 right away.Heavy bleedingLarge open woundsSudden change in visionChest pain Sudden weakness ortrouble talkingMajor burnsSpinal injury Often requires a muchhigher copayment and/orcoinsurance. Open 24/7, butwaiting periods may belonger because patients withlife-threatening emergencieswill be treated firstVirtual VistsYour doctor is not available. Youbecome ill while traveling. You areconsidering the hospital emergencyroom for a non-emergency healthcondition. AllergiesBladder infectionBronchitis Pink eyeSinus problemsVirtual visits are part of yourhealth benefits. You canexpect to pay a portion of thecosts according to yourmedical plan.Where should I go for care?FIND A PROVIDER

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Shanty Creek will continue to offer regular employees Live WellReward$ in which members will be able to complete challengesand activities in order to earn rewards.In addition to the activities and challenges, each employee andenrolled spouse will also be able to complete a Clinical HealthRisk Assessment (CHRA) online, which will result in rewardsmoney.Each employee will be able to earn a total of $100 in rewards ineach calendar year. Don't forget that this rewards money is inaddition to the Premium Discount ($30 monthly difference inmedical premium cost) by completing an AnnualPhysical/Preventive exam with your provider betweenNovember 1 to October 31st.See More DetailsThe benefit plan information shown in this guide is illustrative only. To the extent the benefit plan information summarized herein differs from the underlyingplan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlyinginsurance documents will govern in all cases.Wellness Program Total wellbeing:caring for all of youSupport for your health, finances, and life.Wellness Program: To continue the wellness rate ($30 per monthly discount) in 2025,you must have had an annual physical/preventive exam completed between 11/1/2023and 10/31/2024 (covered under preventive care at 100% in network). Annualphysical/preventive exams are determined by your physician’s coding on the claimsubmitted to UMR. In order to continue to receive the Wellness Rate in 2026, you willneed to have an annual physical/preventive exam between 11/1/2024 and 10/31/2025.Access an added bonus discount program called One Pass Select tofind digital wellness options like gym membership discounts.One Pass Select

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If you coveryourself onlyIf you coverdependentsShanty Creekcontributes up to:$750$1,500You may alsocontribute:$3,400$6,8002025 IRS maximumcontribution $4,300$8,550The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Finalrates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.Health SavingsAccount (HSA)55 or older? You can contribute an extra $1,000 peryear in catch-up contributions.If you open an HSA account, Shanty Creek willmatch your contribution dollar for dollar up to$750 per employee per year ($1,500 per family).This match is not guaranteed each year; futureyears are discretionary. You may also contribute tax-free funds to savefor current and future health expenses:ContributionsHSA funds Using your moneySpend your HSA balance on health careexpenses (medical, prescription, dental, andvision) for you and your tax dependents, ORLet your balance grow for retirement.The money in your HSA is always yours andavailable for qualified health care expenses -even if you change jobs or health plans. Beforeretirement, any funds used for non-healthcareexpenses are subject to tax penalties. Keep yourreceipts!Growing your money + tax savingsHSA dollars go in tax-free, grow tax-free, andcome out tax-free when you use them forqualified health expenses. You may also be ableto invest part of your balance once it meets acertain level.In retirementAt age 65, you can withdraw the funds in yourHSA for any use (not just health care!) withouttax penalties. EligibilityIn order to make – or receive – contributions toa Health Savings Account (HSA), you must:be enrolled in a qualified High DeductibleHealth Plan (HDHP),not be covered under any other non-HDHPhealth coverage, including a full health careFSA through your spouse,not be anyone else’s tax dependent, and not be enrolled in Medicare A or B, Tricare,or VA benefits.An HSA through Fidelity is paired with a HighDeductible Health Plan (HDHP).Save pre-tax money for health care expenses – or retirement!All Shanty Creek employees that elect the HDHPPlan with the HSA account will be using FidelityInvestments as the provider for health savingsaccounts. Each employee will have to completethe required HSA forms through Fidelity. Inorder to receive the company’s contributions,you MUST open an account with FidelityInvestments. Bank for HSA Accounts

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Dental insuranceThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Finalrates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.Stay in-network to avoid balance billing (the difference between what an out-of-network provider charges and theamount your insurance pays). Both plans cover in-network preventive care at 100%. Thedifferences are: what you pay for the plan, what you pay when you get care, the maximum amount MetLife will pay each year for dentalcare (annual maximum benefit), andwhether orthodontic care is covered.Select from two dental options through MetLife.Learn about dental care categoriesIn-network careLow planHigh planNetwork name:National PPONational PPOAnnual Deductible (DED)$75 per person $225 family max$75 per person $225 family maxAnnual maximum benefit$1,250 per person $2,000 per person Preventive care100% covered100% coveredBasic careDED then you pay 20%100% coveredMajor careNot Covered60% covered after DEDOrthodontic careCoverageLifetime maximum benefitNot coveredN/A50% covered (child to age 19)$1,500 lifetime max benefitYour cost for coverageEmployee onlyEmployee + SpouseEmployee + Child(ren)Employee + FamilySemi-Monthly*$8.43$17.84$24.85$38.79Semi-Monthly*$15.48$31.56$34.32$50.54New Carrier!*Slight decrease in premiums*Shanty Creek employees have 26 pay periods, however, due to some months requiring three pay checks, benefits are onlypaid based on 24 pay periodsSee Plan DetailsSee Plan Details

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Your vision plan provides coverage for either glasses (including lenses and frames) or contact lenses each year.If you choose contact lenses, this will replace your glasses benefit for that year.Vision planNetwork name:Must choose VSP or Davis NetworkIn-networkOut-of-network(reimbursement)Annual eye exam (every 12 months)$10 copay$45 allowanceMaterials copay(lenses & frames)$20 copayN/ALenses (every 12 months)Single: $20 CopayBifocal: $20 CopayTrifocal: $20 CopayLenticular: $20 Copay Single: $30 allowanceBifocal: $50 allowanceTrifocal: $65 allowanceLenticular: $100 allowanceFrames(every 12 months)$120 allowance & 20% off theamount over the allowanceUp to $55Contact lenses(every 12 months)Elective: $120 allowanceMed. nec: 100% coveredElective: Up to $105Med. nec: Up to $210Your cost for coverageEmployee onlyEmployee + SpouseEmployee + Child(ren)Employee + FamilySemi-Monthly*$3.01$5.09$5.09$8.05See Davis plan detailsSee VSP plan detailsVision insuranceThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Finalrates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.You'll get an annual exam with coverage for lenses and frames,or contacts in lieu of glasses.As a reminder, all eligible employees will have the option toselect or waive the vision plan, regardless of their enrollmentstatus in the Medical plan. Your vision coverage is through MetLife.New Carrier!*Slight decrease in premiums*Shanty Creek employees have 26 pay periods, however, due to some months requiring three pay checks, benefits are onlypaid based on 24 pay periods

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Basic lifeBasic AD&DShanty Creek provides$10,000$10,000See plan detailsFor youFor your spouseFor yourchild(ren)Coverageincrements$10,000$5,000Options of $1,000,$2,000, $4,000,$5,000 or $10,000.Coveragemaximum$500,000$100,000 - not toexceed 50% ofemployee’s electedbenefitOptions of $1,000,$2,000, $4,000,$5,000 or $10,000.GuaranteedIssue$250,000$50,000$10,000You may also purchase additional coverage for you, your spouse, andyour eligible child(ren). Additional life and AD&D insuranceLife insurance pays a benefit if you pass away while you'recovered. Accidental Death and Dismemberment (AD&D)insurance offers additional support if you pass away or areseriously injured due to an accident.Financial peace of mind through MetLife.Life and AD&D insuranceWhat's AD&D?Accidental death anddismemberment (AD&D)insurance may pay:your beneficiary if youpass away due to anaccidentyou a partial benefit if youlose specified bodilyfunctions (sight, limbs, etc.)Make sure to designate a beneficiary for your life insurance coverage toensure your family is cared for according to your wishes.Medical question limitWhen you’re first eligible (anew hire), you can purchaseadditional life insurance up tothis limit without any medicalquestions required. Medical questions andapproval will be required forall future increase andpurchase requests.The benefit plan information shown in this guide is illustrative only. To the extent the benefit plan information summarized herein differs from the underlyingplan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlyinginsurance documents will govern in all cases.Basic life and AD&D insuranceShanty Creek provides Life and AD&D insurance at no cost to you.All Eligible Hourly Employees New Carrier!See plan detailsIMPORTANT NOTES! This year, MetLife will offer a Modified Open Enrollment, which will allow all employees,even if you have previously waived the benefit, the ability to elect the benefit at $100,000 for employees, $25,000for spouses, and $10,000 for children!

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Basic LifeBasic AD&DShanty Creekprovides1.5x annual earnings to amaximum of $50,0001.5x annual earnings to amaximum of $50,000See plan detailsFor youFor your spouseFor your child(ren)Coverageincrements$10,000$5,000 Options of $1,000,$2,000, $4,000, $5,000or $10,000.Coveragemaximum$500,000$100,000 - not to exceed50% of employee’selected benefitOptions of $1,000,$2,000, $4,000, $5,000or $10,000.GuaranteedIssue$250,000$50,000$10,000See plan detailsYou may also purchase additional coverage for you, your spouse,and your eligible child(ren). Additional life and AD&D insuranceLife insurance pays a benefit if you pass away while you'recovered. Accidental Death and Dismemberment (AD&D)insurance offers additional support if you pass away or areseriously injured due to an accident.Financial peace of mind through MetLife.Life and AD&D insuranceWhat's AD&D?Accidental death anddismemberment (AD&D)insurance may pay:your beneficiary if youpass away due to anaccidentyou a partial benefit if youlose specified bodilyfunctions (sight, limbs, etc.)Make sure to designate a beneficiary for your life insurancecoverage to ensure your family is cared for according to your wishes.Medical question limitWhen you’re first eligible (anew hire), you can purchaseadditional life insurance up tothis limit without any medicalquestions required. Medical questions andapproval will be required forall future increase andpurchase requests.The benefit plan information shown in this guide is illustrative only. To the extent the benefit plan information summarized herein differs from the underlyingplan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlyinginsurance documents will govern in all cases.Basic life and AD&D insuranceShanty Creek provides Life and AD&D insurance at no cost to you.Salaried Employees New Carrier!IMPORTANT NOTES! This year, MetLife will offer a Modified Open Enrollment, which will allow all employees,even if you have previously waived the benefit, the ability to elect the benefit at $100,000 for employees,$25,000 for spouses, and $10,000 for children!

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Life and AD&D insuranceAGEEMPLOYEE/SPOUSERATES PER $1,000 Less than 30$0.09830-34$0.09835-39$0.12840-44$0.18845-49$0.28850-54$0.42855-59$0.71860-64$1.17865-69$1.81870+$3.038Child$0.152AGERATES PER $1,000Employee$0.021Spouse$0.021Child$0.051The benefit plan information shown in this guide is illustrative only. To the extent the benefit plan information summarized herein differs from the underlyingplan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlyinginsurance documents will govern in all cases.New Carrier!Life insurance pays a benefit if you pass away while you're covered.Accidental Death and Dismemberment (AD&D) insurance offers additionalsupport if you pass away or are seriously injured due to an accident.Financial peace of mind through MetLife.Voluntary Life RatesCalculating Your Voluntary Employee Life Insurance PremiumTo calculate your optional employee insurance premium for each pay period, follow these steps:Employee $_____________ ⁒ $1,000 X x $_____ = $___________ x 12 ⁒ 24 $__________Spouse $_____________ ⁒ $1,000 X x $_____ = $___________ x 12 ⁒ 24 $__________Children $_____________ ⁒ $1,000 X x $_____ = $___________ x 12 ⁒ 24 $__________Examples: Employee age 37 elects $50,000 in optional Life coverage. $50,000 ⁒ $1,000 = 50 X $.128 =$6.4 per month x 12 ⁒ 24 $3.20Coverage Amount Increment Rate Monthly Cost Semi-Monthly Cost*Please note that spouse premiums are based on the EMPLOYEE'S age*AD&D Rates

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The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Finalrates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.Retirement savings planContribution TypesPre-Tax ROTHEmployer Match100% of the first 3% of pay and 50% of the next2% of payLearn how investing andsaving actually works -and can work for you.Set your future self up for financial stability with a 401(k)through Fidelity.Everyone wants to be financially secure in retirement and peopletoday are realizing that social security alone will not providefinancial security. You have the opportunity to make retirementwhatever you want, but getting there depends on the choices youmake today. Starting to save for retirement now may be thedifference between achieving what you want and settling for less.The Apex Oil Company, Inc Employee Savings Plan (“Plan”) willhelp you save for the future.You are eligible to participate in the plan upon your date of hire ifyou are age 18 or older and are not in an excluded class. You maycontribute 1% to 100% up to the calendar year IRS limit of youreligible compensation through regular payroll deductions in anycombination of pre-tax and Roth 401(k) contributions.Participants turning age 50 or older in 2025 may contribute anadditional amount up to the IRS limit. Apex & Affiliates will makesafe harbor matching contributions of 100% of the first 3% and50% of the next 2% of pay you contribute to the plan on a pre-taxand/or Roth 401(k) basis. You may enroll online by visitingwww.netbenefits.com or by calling 800-835-5097.If you are eligible but not participating in the Plan, you willautomatically be enrolled in the Plan at 3% pretax deferral. If youare currently participating in the Plan, and your deferral is lessthan 3%, you will be automatically advanced to 3% pretaxdeferral. You will be given an opportunity to opt out or changeyour contribution percentage. Eligible employees will be sent anautomatic enrollment notification from Fidelity Investmentsdetailing when they will be automatically enrolled.ContributionsTax SavingsYou can contribute your pre-taxdollars, thus lowering yourtaxable income.Ease of SavingYour contributions come directlyout of your payroll checkTransfer SavingsIf you change jobs, you may beable to roll your retirementsavings into your next employer’splan or your own HRA.Benefit CompoundingBy starting early, yourretirement savings will have thebenefit of time to compoundyour earning potential.401k PlanDescriptions401k SAR

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Resort Privileges We welcome all our SCR employees to enjoy our property amenities.Employees are reminded that the Standards of Conduct outlined in theEmployee Handbook always apply when on SCR property. Moreover,employees must always have a “guest-first” and “SCR-first” mindsetto ensure we are exceeding the needs of our guests and deliveringprofit to the bottom line.SCR Employees are eligible to receive ski privileges based on theiremployment type and hours worked.Full Time Employees (30 hours or more)Employee Family Season Pass(es) forEmployee and Immediate Family. Immediatefamily members include Employee spouse,children, and current stepchildren.Discount on Rental equipment for eligiblefamily members; subject to availability.$25 Discount on a Season Pass for extendedfamily and friends.Five (5) complimentary guest passes. Passesmust be obtained in advance at the HumanResources Office. No additional passesbeyond five will be provided.50% Discount on lift tickets for extendedfamily and friends. Lift tickets must beobtained in advance at the HumanResources Office. Employees need not skiwith family but are still responsible forguest/family conduct.Part Time Employees (less than 30 hours/week)One (1) complimentary Employee Seasonpass for use Monday through Friday only.Part-time employees must work a minimumaverage of three (3) shifts per weekthroughout the winter season.Five (5) complimentary guest passes. Passesmust be obtained in advance at the HumanResources Office. No additional passesbeyond five will be provided.At times, the Director of Snow Sports may grant additional privileges or temporarily reduce privileges or access to the mountainon a case-by-case basis and at their sole discretion.Ski Privileges Additional NotesThere will be a $5 fee for replacement of anylist passes.Rental: All Employees will receive ski rental atthe discounted rate of $20 per day.

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Resort Privileges SCR Employees are eligible to receive golf privileges. However,any active Mountain Creek Members hired by SCR must forfeit andcancel existing memberships. Any prepaid presidential golfmembership value will be refunded pro-rata through the end of theexisting agreement term.Full Time Employees (30 hours or more)Complimentary Greens Fees and cart areavailable for Employees and immediatefamily members (spouse, children, andcurrent stepchildren). Employees need notbe present but are responsible for bookingand guest/family conduct.Part Time Employees (less than 30 hours/week)Employee will receive complimentary greenfees and cart.Spouse and immediately family membersmust be playing with the Employee to receivethis privilege.Additional NotesComplimentary Range Balls are available atany practice facility across the resort.Benefits may be temporarily or permanentlysuspended due to behavior contrary to theSCR Standards of Conduct or violations ofthe Benefits policies and procedures.At times, The Director of Golf may grant additional privileges or temporarily reduce privileges or access to courses on a case-by-case basis and at their sole discretion.Golf Privileges Discounted Rates for Family & Friends$25 Summit and Schuss$40 The Legend, Hawk’s Eye, and CedarRiverExtended Family and Friends Discount withuse of a cart (employee must make thereservation).Additional PerksShanty Creek On-Site Fitness Center DiscountShanty Creek Subsidized On-Site DaycareService AwardsMountain Money ProgramsEmployee Referral Bonus LifeMart Discounts Click here to find out more Shanty Creek Snow Tubing DiscountBased on availability, blackout dates applyShanty Creek Retail Discounts:Resort owned retail shops 20% discountNon Resort owned shops on property 10-20% discountShanty Creek Food and Beverage Discounts: 20% Discount at Cedar River Bistro, TheLakeview, Arnie’s, And Ivan’s.Shanty Creek Lodging Discounts: Subject to availability, blackout datesapply

2025 Shanty Creek Benefit Guide

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