Cargill, Incorporated
Overview
Cargill, Incorporated sponsors a self-funded health plan that covered 1,773 participants in plan year 2025, down 6% from 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
- 1,773 · prior year 1,883
- Plan year
- Begins January 1 · next renewal January 2027
- Health plans filed
- Cargill Retiree Health Reimbursement Arrangement, plan 566 (1,773 participants)
- Broker compensation
- $946K across insured contracts
Insurance carriers
Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.
| Carrier | Coverage | Covered | Premium | Broker comp |
|---|---|---|---|---|
| Prudential Insurance Company of America | Life | 61,907 | $16.8M | $466K |
| Vision Service Plan | Vision | 24,482 | $4.1M | — |
| Reliastar Life Insurance Company | Accident Voluntary Employee, Critical Il | 13,280 | $2.6M | $369K |
| Hartford Life and Accident | Long-term disability | 16,511 | $2.2M | $61K |
| Kaiser Foundation Health Plan, Inc. | Medical, HMO | 176 | $1.8M | — |
| Cigna Health and Life Insurance Co. | Medical, Dental, Vision | 115 | $1.2M | $23K |
| Ace American Insurance Company | AD&D, Kidnap & Extortion Benefits, Out-O, Occupational Accidental Death and Dismem | 37,448 | $1.1M | $27K |
Pharmacy benefit estimate
StreamRX estimate for a plan this size. Not based on this plan's claims.
Estimated prescription spend: 1,773 participants × $2,371 national average per member. Usually higher once dependents are counted.
Typical savings opportunity found in independent reviews of plans this size.
Form 5500 filing details
- Filing
- Form 5500 with Schedule A, plan year 2025
- Plan sponsor
- Cargill, Incorporated
- Sponsor EIN
- 41-0177680
- Plan number
- 566
- Filed with
- U.S. Department of Labor (EBSA) via EFAST2
Verify this filing: search EIN 41-0177680 in the Department of Labor's EFAST2 Form 5500 search.
Retirement plan
- Plan
- The Cargill Partnership Plan
- Type
- 401(k) plan
- Participants
- 43,508
About this data
Source: Cargill, Incorporated'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 Cargill, Incorporated.