Form 5500 · Employee benefit plan · MINNEAPOLIS, MN
CARGILL, INCORPORATED
The filing calls this plan CARGILL, INCORPORATED WELFARE BENEFIT PLAN.
CARGILL, INCORPORATED of MINNEAPOLIS, MN files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is AMERICAN BEN & COMP SYSTEMS INC. Coverage is written through PRUDENTIAL INSURANCE COMPANY OF AMERICA and 7 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 41-0177680 · plan 565 · plan year 2025, filed Aug 5, 2026
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1,865 other employer plans in Minnesota 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
Both, as reported
The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
Health: the largest of the 4 insured health contracts, with KAISER FOUNDATION HEALTH PLAN, INC., covers 176 of 41,268 participants (0.4%) on Schedule A.
Dental: CIGNA HEALTH AND LIFE INSURANCE COMPANY covers 115 of 41,268 participants (0.3%) on Schedule A.
Also declared: severance, death benefits, other welfare.
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, dental, vision, life and disability; the largest, with PRUDENTIAL INSURANCE COMPANY OF AMERICA, covers 61,907 people.
Reported premium across the insured contracts is $29,846,219, with $743,899 in disclosed broker commissions — about 2.5% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in May. The plan is on a split renewal cycle.
AMERICAN BEN & COMP SYSTEMS INC is the broker of record on 1 of the 11 contracts; the rest name a different broker or none.
8 carriers appear on the filing, including PRUDENTIAL INSURANCE COMPANY OF AMERICA, VISION SERVICE PLAN, RELIASTAR LIFE INSURANCE COMPANY and HARTFORD LIFE AND ACCIDENT. PRUDENTIAL INSURANCE COMPANY OF AMERICA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| PRUDENTIAL INSURANCE COMPANY OF AMERICA | Life | 61,907 | Jan 1, 2026 | $16,825,199 | $457,342 |
| RELIASTAR LIFE INSURANCE COMPANY | — | 13,280 | Jan 1, 2026 | $2,633,750 | $263,375 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental, Vision | 115 | Jan 1, 2026 | $1,159,080 | $23,182 |
| VISION SERVICE PLAN | Vision | 24,482 | Jan 1, 2026 | $4,071,704 | $0 |
| HARTFORD LIFE AND ACCIDENT | Disability | 16,511 | Jan 1, 2026 | $2,238,301 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 176 | Jan 1, 2026 | $1,565,833 | $0 |
| ACE AMERICAN INSURANCE COMPANY | — | 37,448 | Jun 1, 2025 | $896,726 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 26 | Jan 1, 2026 | $263,798 | $0 |
| ACE AMERICAN INSURANCE COMPANY | — | 26,652 | Jul 1, 2025 | $160,568 | $0 |
| HAWAII MEDICAL SERCIVE ASSOCIATION | Health | 4 | Jan 1, 2026 | $31,260 | $0 |
| ACE AMERICAN INSURANCE COMPANY | — | 37,448 | Jul 1, 2025 | — | $0 |
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. We publish company names only.
Reported to OSHA
Reported to OSHA for 2025: 2,827 employees, 94 recordable cases, 837 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
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