Form 5500 · Employee benefit plan · FRUITLAND, ID
WOODGRAIN INC.
The filing calls this plan WOODGRAIN MILLWORK, INC. EMPLOYEE BENEFIT PLAN.
WOODGRAIN INC. of FRUITLAND, ID files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is GBS BENEFITS INC.. Coverage is written through BLUE CROSS OF IDAHO and 6 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 93-0563778 · plan 503 · plan year 2025, filed Jun 24, 2026
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354 other employer plans in Idaho have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 11 insured contracts covering health, vision, life and disability.
Reported premium across the insured contracts is $6,907,180, with $401,972 in disclosed broker commissions — about 5.8% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
GBS BENEFITS INC. is the broker of record on 4 of the 11 contracts; the rest name a different broker or none.
7 carriers appear on the filing, including BLUE CROSS OF IDAHO, LIFE INSURANCE COMPANY OF NORTH AMERICA, VISION SERVICE PLAN and METROPOLITAN LIFE INSURANCE COMPANY. BLUE CROSS OF IDAHO writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Life | — | Jan 1, 2026 | $1,148,150 | $151,446 |
| BLUE CROSS OF IDAHO | Health | 682 | Jan 1, 2026 | $4,014,803 | $80,285 |
| METROPOLITAN LIFE INSURANCE COMPANY | Health | 2,009 | Jan 1, 2026 | $292,359 | $59,418 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | — | Jan 1, 2026 | $711,048 | $49,773 |
| METROPOLITAN LIFE INSURANCE COMPANY | Health | 2,490 | Jan 1, 2026 | $187,816 | $38,013 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Life | — | Jan 1, 2026 | $141,695 | $14,169 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | — | Jan 1, 2026 | $22,865 | $4,573 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | — | Jan 1, 2026 | $20,664 | $4,133 |
| NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | Life | — | Jan 1, 2026 | $1,623 | $162 |
| VISION SERVICE PLAN | Vision | 2,684 | Jan 1, 2026 | $366,157 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 21 | Jan 1, 2026 | — | $0 |
Premium and claims on this contract
BLUE CROSS OF IDAHO, contract 10040398. For the contract year on this filing, the carrier reported $4,014,803 in premium earned and $2,692,973 in claims incurred. Dividing one by the other gives 67%.
- BLUE CROSS OF IDAHO, contract 10040398 reported $421,554 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. The service providers are named on Schedule C of this filing. We publish company names only.
Reported to OSHA
Reported to OSHA for 2025: 2,570 employees, 75 recordable cases, 1,342 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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