Retirement Plan

Employee Retirement Account This is a portable retirement account completely funded by Cargill. You are immediately eligible for the annual discretionary contribution, which is 2.5 to 7% of your eligible pay. A schedule that uses your age and years of service determines the percentage of pay contributed to your Employee Retirement Account each year by Cargill. (Contributions are made in March, and you must have been an active Cargill employee on Dec. 31 of the previous year to receive a contribution.) You choose how to invest those contributions by selecting from the investment options offered. You are vested after three years of service.