Form 5500 · Employee benefit plan · ST. PAUL, MN
LAND O'LAKES, INC.
The filing calls this plan LAND O'LAKES, INC. MEMBER COOPERATIVE HEALTH PLAN.
LAND O'LAKES, INC. of ST. PAUL, MN is a 5,850-participant agriculture employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is WILLIS TOWERS WATSON US LLC. Coverage is written through BCBSMN, INC, D.B.A. BLUE CROSS AND BLUE SHIELD OF MINNESOTA and 4 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 41-0365145 · plan 601 · plan year 2025, filed Jul 15, 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
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.
The filing says this plan is subject to the Form M-1 requirement for multiple-employer welfare arrangements.
Benefits declared on this filing
Also declared: 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 7 insured contracts covering health, dental, vision, life and disability; the largest, with BCBSMN, INC, D.B.A. BLUE CROSS AND BLUE SHIELD OF MINNESOTA, covers 4,037 people.
Reported premium across the insured contracts is $75,984,441, with $461,760 in disclosed broker commissions — about 0.6% 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 US LLC is the broker of record on 2 of the 7 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including BCBSMN, INC, D.B.A. BLUE CROSS AND BLUE SHIELD OF MINNESOTA, DELTA DENTAL OF MINNESOTA, UNUM LIFE INSURANCE COMPANY OF AMERICA and VISION SERVICE PLAN. BCBSMN, INC, D.B.A. BLUE CROSS AND BLUE SHIELD OF MINNESOTA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 6,499 | Jan 1, 2026 | $2,794,838 | $152,343 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life | 1,693 | Jan 1, 2026 | $1,058,505 | $114,909 |
| DELTA DENTAL OF MINNESOTA | Dental | 3,710 | Jan 1, 2026 | $2,841,037 | $113,374 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | — | 1,849 | Jan 1, 2026 | $377,926 | $58,338 |
| UNUM INSURANCE COMPANY | — | 762 | Jan 1, 2026 | $236,134 | $22,796 |
| BCBSMN, INC, D.B.A. BLUE CROSS AND BLUE SHIELD OF MINNESOTA | Health | 4,037 | Jan 1, 2026 | $68,235,391 | $0 |
| VISION SERVICE PLAN | Vision | 3,426 | Jan 1, 2026 | $440,610 | $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. The service providers are named on Schedule C of this filing. We publish company names only.
Reported to OSHA
Reported to OSHA for 2025: 6,743 employees, 86 recordable cases, 1,784 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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