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Employee Retirement Account (ERA)

Visit Vanguard

For eligible employees, Cargill funds this portable retirement account, which provides an annual contribution of 2.5–7% of your eligible pay, depending on your age and years of service. You are immediately eligible for the ERA and are vested after three years of service. You control where the money is invested from a selection of funds. If you do not make an election, Cargill’s contribution will automatically be invested in the Vanguard Target Retirement Fund that most closely matches the year in which you will reach age 65. 

You will receive an ERA kit upon receiving your first contribution in the plan. See chart below:

Era contribution schedule

Disclaimer: If there are any differences/discrepancies between the information on this website (www.cargill.com/myhealth and all related pages) and the information in the plan documents and/or summary plan descriptions (SPDs), the information in the plan documents/SPDs will overrule. Employees will receive information on how to access SPDs based on their benefits eligibility.

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