A bacon and egg sandwich on a biscuit, from the Hormel Purpose panel.

2027 EDITION

Your benefits,
clearly labeled.

A guide to what Hormel Foods offers you — organized around what you do, not how it was filed.

Benefit Facts

One book · you and your family · read time: less than your first coffee break

Plan year beginsJanuary 1, 2027

Written forPlanters Suffolk employees at Hormel Foods

Benefit sections6

Source pages read15

People you can call22 contacts

What governsOfficial plan documents

Official plan documents govern. This guide is informational. Contact the Horizon Solution Center with questions.

Know more. Stress less.

This book summarizes a machine reading of Hormel's printed 2027 Open Enrollment guide for Planters Suffolk employees, with the corrections Hormel's benefits team made in writing. No person has checked it line by line. The printed guide and the official plan documents govern.

source Hormel 2027 OE guide · Suffolk · printed guide governsYour Benefits · DRAFT v0.2.0

Start

What is yours to choose, when you can change it, and who counts as family.

What do I have to do, and by when?3
How do I enroll in Oracle?4
Who can I cover?5
What papers do I need for my dependents?6

4 pages · 3–6 Fueling Real Life

What do I have to do, and by when?3 / 19

Open Enrollment · 2027 benefits

November 2–16, 2026

In Oracle. Closes at 5 p.m.^† Central on November 16, 2026^†.

Most of your choices roll into 2027 on their own. One doesn't.

1

Open Oracle

Check what is rolling into 2027. Change anything you want to.

2

Type your FSA or HSA amount again

Your 2026 elections carry into 2027, except this one.

3

Save your confirmation

Print it or screenshot it. Nothing will be mailed.

November 16 2026^†

Last day to enroll or change. Closes at 5 p.m.^† Central.

December 16 2026^†

Papers due for anyone you add

January 1 2027^†

2027 coverage starts

February 28 2027^†

Last day for 2026 FSA claims

If this is you

Money left in your health care FSASign up for an FSA again, at least $52^† for the year, and up to $680^† carries into 2027.

Adding a spouse, papers not readyAdd them now anyway. Send the papers by December 16, 2026^†.

Your spouse also works at HormelSwitching who carries the coverage? Tell the Horizon Solution Center.

Life changes during 2027Marriage, divorce, birth or adoption: make the change in Oracle within 60 days^†.

Questions? Horizon Solution Center · (866) 449-7712^†SUF · Planters Suffolk · version 2026-09-24

How do I enroll in Oracle?4 / 19

Open Enrollment · in Oracle

Six steps, start to finish.

1

Log in

On the web: yoursource.hormel.com, then Oracle Cloud. On your phone: the Oracle HCM Cloud app. The first time, it asks for ekkh.fa.us2.oraclecloud.com.

2

Go to Benefits

From the home screen.

3

Select Enroll Now

4

Choose your path

Discovery walks you through every benefit, one at a time. Express shows what you have now: change only what you want, or submit it as it is.

5

Add dependents or beneficiaries

Check your contacts and add anyone new.

6

Enroll, confirm, submit

Select Edit, then Enroll under each benefit you want. Review, confirm and submit. Then save, screenshot or print the confirmation page.

Logging in

Your usernameYour nine-digit employee ID. Your password is the one you created.

Forgot your passwordCall your local HR office or the Horizon Solution Center at (866) 449-7712^†. They can add your email so a link to set a password can be sent to you.

Questions? Horizon Solution Center · (866) 449-7712^†SUF · Planters Suffolk · version 2026-09-24

Who can I cover?5 / 19

Dependents

You, your spouse or domestic partner, and your children up to age 26^†.

Who counts

ChildrenUp to age 26^†, married or not, in school or not: your children, stepchildren, adopted or placed-for-adoption children, legal wards, and children covered by a court order (QMCSO).

Your partner’s childrenOnly if your domestic partner is on your coverage.

Disabled childrenHealth care coverage, if they meet the requirements in the Summary Plan Descriptions.

Domestic partnerRegistered or civil union partners qualify. Otherwise, all of these: both 18 or older; neither married, legally separated nor with another partner; together 12 months or more, exclusive and meant to be permanent; jointly responsible for welfare and finances; same home; not related by blood; each mentally competent. Approved only after you complete a Declaration of Domestic Partnership in Oracle and send its documents.

A child turning 26Covered through the end of the month they turn 26^†. That counts as a life event, so they can join their own plan.

Do this

Add them in Oracle during Open Enrollment, then upload their papers by December 16, 2026^†.

Questions? Horizon Solution Center · (866) 449-7712^†SUF · Planters Suffolk · version 2026-09-24

What papers do I need for my dependents?6 / 19

Dependents · proof

What to send for each person you add.

Hormel may ask for more.

What to send

SpouseA copy of your registered marriage certificate and your 1040 tax form: the first page, showing filing status, if you have been married more than 2 years. Black out the financial information.

Domestic partnerThe Declaration of Domestic Partnership form (Oracle, Help Desk / My Knowledge) and the documents it lists. Their share of the health cost is taken after tax, and imputed income adds to your taxable income.

Children, stepchildren, partner’s childrenA copy of the registered birth certificate showing the parents’ names.

Legal wardCourt or legal paperwork granting guardianship or custodianship.

1

In Oracle, open Me

2

Quick actions: show more, then Document Records

3

Attach a scan or a photo

One document at a time. The app does not keep the photo on your phone.

Do this

Upload by December 16, 2026^†. Anyone not verified is removed and cannot be added back until the next Open Enrollment.

Questions? Horizon Solution Center · (866) 449-7712^†SUF · Planters Suffolk · version 2026-09-24

Two Hormel colleagues looking over a screen together at the office.

Care

Two medical plans, one network, and what each one asks of your wallet.

Which medical plan should I pick?8
What do I pay when I use care?9

2 pages · 8–9 Fueling Real Life

Which medical plan should I pick?8 / 19

Medical plans

Two plans. Same doctors. Different deductibles.

Both use the Blue Cross Blue Shield network, and in-network preventive care costs you $0^† in either one.

Higher deductible

Healthy Savings Plan

Lower deductible

Traditional Plan

$2,500^†just you$5,000^†family

You pay 100%^† of medical and prescription costs until you reach it.

$5,000^†just you$10,000^†family, or $7,900^† for any one person

Medical and prescriptions together.

A Health Savings Account (HSA) and a Limited Purpose FSA.

$850^†just you$1,700^†family: $850^† each, met by 2 people

Medical only. Prescriptions are separate.

$4,000^†just you$8,000^†family

Medical. Prescriptions have their own limit: $2,500^† just you, $5,000^† family.

A Health Care Flexible Spending Account (FSA).

Deductible

Most you pay in a year

Comes with

Do this

Pick one in Oracle by November 16, 2026^†. The next page shows what care costs under each.

Questions? Horizon Solution Center · (866) 449-7712^†SUF · Planters Suffolk · version 2026-09-24

What do I pay when I use care?9 / 19

Medical plans · using them

After the deductible, you pay 20%^† for care in either plan.

Until you reach your yearly maximum. Preventive care is $0^† from the start.

Healthy Savings Plan

Prescriptions cost the same as care

Traditional Plan

Care and prescriptions differ

20%^†you pay; the plan pays 80%^†

$300^†copay, then 20%^†

20%^†you pay

$300^†copay, then 20%^†

10%^†generic20%^†brand35%^†not on the formulary

Immediate co-insurance, no deductible first. $5^† minimum.

Non-preventive care

Emergency room

Prescriptions

Both plans

Once you reach your maximum

The plan pays for the rest. Out of network may cost more.

100%^†

Do this

Pick one in Oracle by November 16, 2026^†.

Questions? Horizon Solution Center · (866) 449-7712^†SUF · Planters Suffolk · version 2026-09-24

Money

The accounts that pay for care with money the tax man never sees.

How much can I put into each account?11
What happens to money left in my account?12

2 pages · 11–12 Fueling Real Life

How much can I put into each account?11 / 19

Money · pre-tax accounts

Pick your medical plan. Your account comes with it.

These accounts come out of your pay before tax and pay for care.

If you pick the

Healthy Savings Plan

If you pick the

Traditional Plan

Health Savings Account (HSA)

$4,500^†a year, just you$9,000^†a year, with any dependents on your plan

Medical, prescriptions, dental and vision. Age 55 or older: add $1,000^†.

Limited Purpose FSA

$3,400^†a year

Dental and vision only.

Health Care FSA

$3,400^†a year

Medical, prescriptions, dental and vision. Also open to you if you waive medical coverage.

No HSA

The HSA comes only with the Healthy Savings Plan.

Either plan, or none

Dependent Care FSA

Childcare up to age 13, or care for elderly parents.

$5,000^†

Do this

In Oracle by November 16, 2026^†, type the amount you want for 2027. Last year’s amount does not carry over.

Accounts: WEX Health · (866) 451-3399^† · wexinc.comSUF · Planters Suffolk · version 2026-09-24

What happens to money left in my account?12 / 19

Money · end of the year

Up to $680^† rolls over. The rest is lost.

Only if you elect at least $52^† for 2027.

By account

Health Care FSAUp to $680^† rolls into 2027, if you put at least $52^† in an FSA or Limited Purpose FSA for 2027. Anything over that is forfeited.

Limited Purpose FSAThe same: up to $680^†, with at least $52^† elected for 2027. Leftover 2026 health care FSA money can roll into a 2027 Limited Purpose FSA.

Dependent Care FSANothing rolls over. What is left after claims is forfeited.

HSA, starting MedicareStop your contributions 6 months before Medicare begins, to avoid tax consequences. A tax advisor can help.

November 16 2026^†

Elect your 2027 amounts

February 28 2027^†

Last day to file 2026 FSA claims

On the Healthy Savings Plan, the Limited Purpose FSA helps if you put the most allowed into your HSA, or will have health care FSA money left at the end of 2026.

Do this

File your 2026 FSA claims by February 28, 2027^†.

Accounts: WEX Health · (866) 451-3399^† · wexinc.comSUF · Planters Suffolk · version 2026-09-24

Protect

What happens to your income, and to the people who depend on it, when life interrupts.

How much life insurance do I get, and how much can I buy?14

1 page · 14–14 Fueling Real Life

How much life insurance do I get, and how much can I buy?14 / 19

Life insurance

Hormel covers one year’s salary, up to $50,000^†. You can buy up to eight times more.

Free, from Hormel

Basic coverage

You can buy

Optional coverage

$50,000^†life, at most$50,000^†accidental death and dismemberment, at most

Each one times your annual salary.

Not part of basic coverage.

$2,000^†

Age 14 days to 26.

$1,000,000^†at most

Up to 8 times your salary, whichever is less.

$100,000^†at most

$20,000^†at most

No health questions.

You

Your spouse or domestic partner

Each child

One-time, for 2027

Move up one level with no health questions

Already enrolled? Increase by one plan level without a Statement of Health: up to $350,000^† for you, $50,000^† for your spouse or partner. If you waive it now, any increase needs a Statement of Health.

Do this

List your children on the My Contact page in Oracle, so their coverage reaches them.

Life insurance: MetLife · (800) 638-6420^†SUF · Planters Suffolk · version 2026-09-24

Colleagues working out in the Hormel company fitness centre.

Extras

The programs you already have and have probably never used.

What help comes with my benefits?16
What extra coverage can I buy?17

2 pages · 16–17 Fueling Real Life

What help comes with my benefits?16 / 19

Extras · already yours

Three programs you can use now.

Spring Health is for everyone, with or without a medical plan. Hinge Health and Progyny are for members on a Hormel medical plan.

Spring Health · mental health8 free therapy and 8 free coaching sessions, for you and your dependents. Hormel.springhealth.com · work-life code: hormel · (855) 629-0554^†. Crisis support 24/7 (press 2).

Hinge Health · back and joint painFree if you are on a Hormel medical plan: a virtual physical therapist and health coach, including pelvic floor therapy during pregnancy and after. hinge.health/hormel · (855) 902-2777^†.

Progyny · fertilityConsultations, IUI, IVF, genetic testing, donor tissue and fertility medications. One smart cycle is fully covered. (866) 946-0675^†.

Do this

Get started with Spring Health at Hormel.springhealth.com, work-life code: hormel.

Spring Health is provided by Hormel Foods at no cost to you.SUF · Planters Suffolk · version 2026-09-24

What extra coverage can I buy?17 / 19

Extras · you can add

Coverage that pays you, not the doctor.

Voluntary benefits from Voya, MetLife and Nationwide.

Accident insurance · VoyaPays you for covered injuries. Spend it on anything: deductibles, childcare, groceries.

Critical illness · VoyaA lump sum if you are diagnosed with a covered condition. Choose $10,000^†, $20,000^† or $30,000^†. Spouse and children: 50%^† of your amount.

Hospital indemnity · VoyaPays you cash for a covered hospital stay. It works alongside your medical coverage, not instead of it.

Legal plans · MetLifeUnlimited access to network attorneys for covered matters: home, family, elder care.

Pet insurance · NationwideEmployee pricing, any vet. 70%^† or 50%^† reimbursement, $250^† annual deductible. Quote: petinsurance.com/hormelfoods or (877) 738-7874^†.

Every voluntary benefit, in full: HormelFoods.KnowMoreStressLess.com

Do this

Get a free pet insurance quote at petinsurance.com/hormelfoods or (877) 738-7874^†.

Voya · (877) 236-7564 · claims: claimscenter.voya.comSUF · Planters Suffolk · version 2026-09-24

Call

Every phone number, portal and person, gathered into one place.