Protecting you and those who depend on you

Eligible employees have the choice between two medical plan designs because we know that your health and the health of your family is not a one-size-fits all proposition. Bremer offers the option to enroll as employee only, employee +1, family, or to waive coverage. Eligible employees can also choose between a national network option or a narrow network option that may reduce your medical premium costs. All plans include in-network preventative care covered at 100% and no additional cost.


Bremer offers a traditional health insurance plan through Medica. The traditional plans have a lower out-of-pocket and deductible level, including office co-pays offered at competitive employee premium rates.


Bremer's high deductible medical plan through Medica offers lower monthly employee premiums and higher deductibles and out-of-pocket maximums. Employees who enroll in the high deductible plan are eligible to receive a contribution from Bremer to a health savings account (HSA).


Eligible employees can also choose between a national network option or plans that may reduce your medical premium costs by participating in one of our six narrow networks/accountable care organizations.

Medical Plan


Medica Choice Passport

Medica’s largest network with providers throughout the United


Medica Elect

Greater Twin Cities Metro and northeastern Minnesota

Made up of several care systems

Employee must select a care system and enroll in a primary care clinic (PCC) (each family member can select a different care system and PCC)

A referral is required to seek specialty care outside of the care system

Altru & You with Medica

Northeastern North Dakota and northwestern Minnesota

Essentia Choice Care with Medica

Northern Minnesota, southeastern North Dakota and northern


Medica CompleteHealth

Southern Minnesota and western Wisconsin

Includes Mayo Clinic Health System

VantagePlus with Medica

Twin Cities Metro

Includes some providers at M Health Fairview, HealthEast, North Memorial Health and many others

Park Nicollet and

HealthPartners Medical Group First with Medica

Twin Cities Metro

Includes Park Nicollet and HealthPartners clinics

Bremer offers a dental plan with the option to enroll as employee only, employee +1 or family. Under the plan, coverage is provided for routine cleanings, preventative care; major care and orthodontia for dependents 18 or younger.

Bremer offers two voluntary vision plans with the option to enroll as employee only, employee +1, family or to waive coverage. Under these options, you can choose a plan that includes an exam and materials, or a plan with coverage for materials only.


When an employee enrolls in the high deductible healthcare plan, Bremer also contributes to the employee’s health savings account (HSA) to help cover eligible health care expenses. For example, in 2023, Bremer contributes up to $1,000 for employee-only coverage; and up to $2,000 for employee +1 or family coverage. These are pro-rated based on hire date.


The Limited FSA available to employees who enroll in the High Deductible Plan, is designed to help specifically with vision and dental expenses by allowing employees to save on a pre-tax basis for these types of expenses.


Bremer's Health Care FSA allows employees to set aside money on a pre-tax basis through payroll deduction to help pay for eligible healthcare-related expenses.


Bremer's Dependent Care FSA allows employees to set aside money on a pre-tax basis through payroll deduction to help pay for eligible childcare expenses.

Bremer automatically provides basic life coverage for eligible employees in the amount equal to your annual base salary, up to a maximum of $500,000. This coverage includes accidental death and dismemberment coverages (AD&D).

Employees have the option to purchase additional life and AD&D insurance up to four times their eligible annual salary or a maximum of $500,000. Employees may also elect to purchase additional life insurance for spouses and children.

Bremer employees have the option to purchase additional insurance through our partnership with Unum, including any or all of the following: Critical Illness with Cancer Insurance, Accident Insurance, Hospital Indemnity Insurance and Whole Life with a Longer Term Care Rider. These benefits are offered to new hires and to all employees annually during open enrollment.

Investing in you and your future

We know how important it is to get started on the right foot with a new company. Bremer provides comprehensive new employee orientation and onboarding for every new member of the Bremer team.


One of the most unique benefits at Bremer is that every position is covered by one of our annual incentive plans. Our annual bonus plan rewards based on how well goals are met at the individual, regional/departmental and company levels. Eligibility and targeted percentage of salary are based on position.

401(K) PLAN

Bremer offers employees the option to save for retirement with tax-deferred money through the company’s 401(k) plan. Employees may contribute from 0% to 75% of their base pay in any whole percentage up to the regulatory contribution level defined for that year.

Bremer matches up to 100% of the first 5% of employee contributions. Bremer’s matching contribution is calculated and deposited each pay period, based on corresponding employee contributions during that same period. Employee contributions are always 100% vested. Bremer’s contribution is vested gradually over five years of eligible service as defined by the plan.


Bremer’s ESOP Plan provides employees the opportunity to own Bremer Stock. Employees who meet requirements become eligible on the first day of the quarter after reaching age 21 and completing 30 days of service. Employees become vested in the ESOP Plan gradually over five years of eligible service as defined by the plan.


Our company-sponsored pension plan provides employees a pension benefit in retirement. Employees automatically become plan participants on either January 1 or July 1 after meeting the eligibility requirements. Employees do not need to enroll in the plan or make contributions. To receive the pension benefit, employees must be vested in the plan, which occurs after five years of service as defined by the plan.


Bremer’s Education Assistance Program provides employees the opportunity to pursue degree programs to expand knowledge and skills for both current and future roles. The program is available to all full and part-time, benefit-eligible employees who have completed 90 days of continuous service if full-time or 180 days if part-time.


Bremer offers several internal opportunities via classroom, online and seminar-based learning in the areas of leadership at all levels - personal, team and enterprise leadership.


Bremer offers many optional and required learning opportunities in the areas of relationship management, banking, safety and security, compliance, regulatory and policy requirements.

Supporting life beyond work

We know how important taking time off is. Employees earn from 12 to 27 days of paid time off (PTO) per year, depending on job grade and tenure with Bremer, along with 11 floating holidays.

Employees also receive up to 16 hours of paid time off to volunteer during work hours each year. This paid time is intended to support volunteerism above and beyond company sponsored events, including engaging with and developing awareness of other cultures.

Additionally, Bremer provides time off for jury duty and bereavement/funeral leave.


All employees who work at least 80 hours per year, including temporary and part-time employees have access to paid time away from work for certain personal or environmental (weather; public health emergencies) situations.


The Short-Term Disability (STD) benefit offers added salary protection during longer leaves of absence due to an employee's health related absence, providing employees a progressively lower percentage of pay for up to six months.


Bremer offers a Long-Term Disability (LTD) benefit as an additional layer of salary protection when an employee’s extended leave of absence exceeds the STD coverage period. Employees select LTD coverage on an annual basis at the time of open enrollment.

Bremer understands the importance of bonding with new or adopted children. We provide six weeks of paid leave to mothers and fathers.

Bremer’s Employee Dependent Scholarship Program is available to dependent children (up to age 25) of current full and part-time, benefit-eligible employees with a minimum of one year of service upon the application deadline date. The program awards financial assistance ranging from $1,000 to $3,000 for study at an accredited two or four-year college, university, vocational/technical school or graduate school.

Building culture together

Our values - Commitment, Creativity, Collaboration - are not just words, they are the words we live by. The culture of Bremer, long rooted in the vital importance of relationships, is sustained by every person who works at Bremer and is enriched by each new employee who joins.

Employee engagement is valued and taken seriously at Bremer. Each year every employee is invited to complete our annual engagement survey. The executive team, along with leaders across the company, study the results and implement plans based on employee feedback.

Bremer has two active employee resource groups: Women Influencing & Networking (WIN) and Fusion. Both groups are open to all employees and are dedicated to promoting inclusion and diversity.


The Bremer EAP offers education, awareness and assistance to employees on a number of topics related to work and personal life. This Bremer-paid benefit is available to employees and their family members at no-cost for the basic elements of the program.


Bremer is committed to employee and workplace well-being, and offers a variety of programs ranging from healthy eating to workstation ergonomics.


Medica provides a free, online resource for employees who are struggling with stress, depression, sleeplessness, social anxiety or other issues.


Employees who participate in one of Bremer’s medical plans are eligible for a $20 monthly credit on their dues at participating fitness centers.


Employees who participate in one of Bremer's high deductible health plans are eligible to earn up to $75 per month (deposited quarterly into their HSA account) when meeting wellness goals for sleep, activity and healthy habit tracking.


Employees who participate in one of Bremer's traditional plans are eligible to earn up to $220 in rewards annually by completing online well-being activities.


Employees who participate in one of Bremer’s medical plans are eligible for the following two programs:

  • OMADA FOR DIABETES: Personalized coaching and support to help those with diabetes meet their goals, including achievement on target glucose levels and appropriate lifestyle changes.

  • OMADA FOR PREVENTION: Personalized support for at-risk members to lose weight and build strategies to help reduce the risk of Type 2 diabetes and cardiovascular disease.


Medica members have access to a variety of online resources and tools to help with healthy eating habits.

  • Eat Fit Go: Get healthy, discounted ready-to-eat meals delivered straight to your home or office with Eat Fit Go: Made with high-quality, allergy-friendly ingredients, the flavor-packed meals stay fresh for at least 10 days in a refrigerator.

  • Foodsmart by Zipongo: Be empowered to make sustainable changes to your eating behavior and health outcomes. Foodsmart makes healthy eating simple and affordable. Explore recipes, build digital grocery lists and order groceries online.

  • Monj offers a skills-based behavioral curriculum centered on food, key lifestyle factors, and social determinants such as stress, social connections, mindset and movement. The online food and lifestyle program also helps members set goals, learn how to create healthy meals and understand restaurant menus.

  • Virgin Pulse Nutrition Guide: Members can pick their own nutrition profile and the Nutrition Guide will serve up personalized healthy tips, such as what to eat if you have a sweet tooth or easy cooking ideas.


Our Above & Beyond program recognizes up to 24 employees from across the company each year. These leaders are selected for this elite recognition each year based on their extraordinary contributions to Bremer. After receiving the Above & Beyond award, honorees will experience exclusive opportunities, including visits to Bremer communities, interactions with our customers, and meetings with our CEO.

Each quarter, six individuals are honored with one of our 3 Cs awards, for exemplifying the true meaning of these values Bremer’s values of Collaboration, Commitment and Creativity.

We also recognize employees with length-of-service awards. As employees reach significant employment milestones, we like to pause, say thank you and celebrate these important moments.

Managers are empowered to recognize outstanding individual and team efforts with Exceptional Performance Awards, which are paid as a cash bonus.


Everyone in the company is encouraged to celebrate peers and partners for going above and beyond. We make it easy with a system of electronic shout-outs that are posted so that everyone across Bremer can keep up with the great work being done at Bremer.


Our work environment offers something for everyone from customer-facing technology that allows our bankers to meet customers at their location to office space that is open, supports collaboration and offers flexibility for quiet, private space as needed.