Caterpillar Inc.
Overview
Caterpillar Inc. sponsors a self-funded health plan that covered 44,961 participants in plan year 2025, down 4% 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
- 44,961 · prior year 46,686
- Plan year
- Begins January 1 · next renewal January 2027
- Health plans filed
- Caterpillar Inc. Employee Assistance Program, plan 535 (44,961 participants); Caterpillar Inc. Employee Health, Life and Disability Benefit Program, plan 541 (44,786 participants)
- Broker compensation
- $1.4M 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 |
|---|---|---|---|---|
| Metropolitan Life Insurance Company | Life, Short-term disability | 52,291 | $116.1M | — |
| Reliastar Life Insurance Company | Accident, Critical Illness and Hospital | 25,038 | $3.5M | $1.2M |
| Cigna Health and Life Insurance Company | Medical, Dental, Vision | 430 | $2.7M | — |
| Arag Insurance Company | Legal | 12,776 | $2.2M | $265K |
| National Union Fire Ins. Co. of Pittsburgh,pa | Accidental Death and Dismemberment | 30,021 | $248K | — |
Pharmacy benefit estimate
StreamRX estimate for a plan this size. Not based on this plan's claims.
Estimated prescription spend: 44,961 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
- Caterpillar Inc.
- Sponsor EIN
- 37-0602744
- Plan numbers
- 535, 541
- Filed with
- U.S. Department of Labor (EBSA) via EFAST2
Verify this filing: search EIN 37-0602744 in the Department of Labor's EFAST2 Form 5500 search.
Retirement plan
- Plan
- Caterpillar 401(k) Savings Plan
- Type
- 401(k) plan
- Participants
- 60,484
About this data
Source: Caterpillar Inc.'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 Caterpillar Inc..