Riley Creek Lumber Company

Coeur D Alene, ID ManufacturingNAICS 321110

Self-funded health planPlan year 2025Renews January
1,157Participants-2% vs. prior year
$2.7MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#4 of 8Manufacturing in IDBy participants

Overview

Riley Creek Lumber Company sponsors a self-funded health plan that covered 1,157 participants in plan year 2025, about the same as the prior year. The plan year starts in January. Alongside medical, its benefits filing reports life insurance, dental, vision, short-term disability, and more.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
1,157 · prior year 1,178
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Riley Creek Lumber Company Health & Welfare Plan, plan 501 (1,157 participants)
Broker compensation
$213K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.

CarrierCoverageCoveredPremiumBroker comp
United of Omaha Life Insurance CompanyLife, Short-term disability, Long-term disability1,283$1.0M$213K
MagellanEmployee Assistance Program1,250$19K—

Pharmacy benefit estimate

StreamRX estimate for a plan this size. Not based on this plan's claims.

$2.7M/ year

Estimated prescription spend: 1,157 participants × $2,371 national average per member. Usually higher once dependents are counted.

$71K–$176K/ year

Typical savings opportunity found in independent reviews of plans this size.

Brands with a generic available$21K–$52K
Lower-cost therapeutic alternatives$30K–$64K
Generic pricing vs. actual cost$13K–$40K
PBM contract terms$7K–$21K
The DOL's PBM fee disclosure rule first applies to this plan for the plan year beginning January 2028: semiannual PBM compensation reports and an annual audit right.

Form 5500 filing details

Filing
Form 5500 with Schedule A, plan year 2025
Plan sponsor
Riley Creek Lumber Company
Sponsor EIN
82-0366771
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 82-0366771 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Idaho Forest Group LLC 401(k) Plan
Type
401(k) plan
Participants
1,632

About this data

Source: Riley Creek Lumber Company's Form 5500 filing for plan year 2025 and its Schedule A insurance reports, published by the U.S. Department of Labor. "Self-funded" means the filing reports benefits paid from employer assets or a trust, with no medical insurance contract or with a stop-loss contract. Pharmacy figures are StreamRX estimates based on national averages. StreamRX is not affiliated with Riley Creek Lumber Company.

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