Form 5500 · Employee benefit plan · ST. PAUL, MN
ECOLAB INC.
The filing calls this plan ECOLAB HEALTH AND WELFARE BENEFITS PLAN.
ECOLAB INC. of ST. PAUL, MN files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is WILLIS TOWERS WATSON INS. Coverage is written through METROPOLITAN LIFE INSURANCE COMPANY and 9 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 41-0231510 · plan 501 · plan year 2024, filed Dec 3, 2025
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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 2 insured health contracts, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 100 of 19,295 participants (0.5%) on Schedule A.
Also declared: prepaid legal, severance, 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 10 insured contracts covering health, dental, vision, life and disability; the largest, with METROPOLITAN LIFE INSURANCE COMPANY, covers 34,835 people.
Reported premium across the insured contracts is $35,616,114, with $314,758 in disclosed broker commissions — about 0.9% 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.
WILLIS TOWERS WATSON INS is the broker of record on 1 of the 10 contracts; the rest name a different broker or none.
10 carriers appear on the filing, including METROPOLITAN LIFE INSURANCE COMPANY, PRUDENTIAL INSURANCE COMPANY OF AMERICA, CONTINENTAL AMERICAN INSURANCE COMPANY and VISION SERVICE PLAN. METROPOLITAN LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| PRUDENTIAL INSURANCE COMPANY OF AMERICA | Life | 21,084 | Jan 1, 2025 | $10,760,215 | $171,837 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental, Vision | 100 | Jan 1, 2025 | $638,666 | $44,883 |
| MCS LIFE INSURANCE COMPANY | Health | 112 | Jan 1, 2025 | $577,414 | $28,582 |
| METLIFE LEGAL PLANS | — | 3,338 | Jan 1, 2025 | $558,628 | $27,663 |
| VISION SERVICE PLAN | Vision | 13,343 | Jan 1, 2025 | $3,038,547 | $22,844 |
| NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | — | 18,688 | Jan 1, 2025 | $62,472 | $12,494 |
| DELTA DENTAL OF PUERTO RICO, INC. | Dental | 113 | Jan 1, 2025 | $64,547 | $6,455 |
| METROPOLITAN LIFE INSURANCE COMPANY | Dental | 34,835 | Jan 1, 2025 | $12,610,940 | $0 |
| CONTINENTAL AMERICAN INSURANCE COMPANY | Disability | 20,276 | Jan 1, 2025 | $7,304,685 | $0 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | — | Jan 1, 2025 | — | $0 |
Premium and claims on these contracts
MCS LIFE INSURANCE COMPANY, contract 79-790462. For the contract year on this filing, the carrier reported $577,414 in premium earned and $484,464 in claims incurred. Dividing one by the other gives 84%.
VISION SERVICE PLAN, contract 12152450. For the contract year on this filing, the carrier reported $3,038,547 in premium earned and $2,644,085 in claims incurred. Dividing one by the other gives 87%.
- MCS LIFE INSURANCE COMPANY, contract 79-790462 reported $86,612 in retention.
- VISION SERVICE PLAN, contract 12152450 reported $425,397 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. We publish company names only.
Reported to OSHA
Reported to OSHA for 2025: 869 employees, 5 recordable cases, 3 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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