# Land O'Lakes Inc. Retirement Master Investment Trust

Land O'Lakes Inc. Retirement Master Investment Trust is a Pension Fund based in Arden Hills, United States.

## Overview

- **Organization type:** Pension Fund
- **Headquarters:** Arden Hills, United States
- **Region:** North America
- **Address:** Arden Hills, MN, United States
- **Assets under management:** Undisclosed
- **Website:** landolakesinc.com
- **LinkedIn:** https://www.linkedin.com/company/landolakesinc

## Regulatory record

- **Reports private funds:** No

## About

Land O'Lakes Inc. Retirement Master Investment Trust is a private sector pension fund based in Arden Hills, US. It manages $903 million in assets across four funds, primarily focused on North America.

## Questions

### Is the Land O'Lakes defined-benefit plan still open to new employees?

No. Land O'Lakes, like many US corporate sponsors, has closed its defined-benefit pension plan to new entrants. Employees hired after the freeze date participate in a defined-contribution 401(k) plan instead. This frozen status shifts the trust's focus toward liability hedging, liquidity management, and the gradual runoff of the existing participant base.

### How does the cooperative structure affect the pension trust?

Because the sponsor is a private, farmer-owned cooperative and not a publicly traded corporation, the pension trust does not benefit from the same level of public financial disclosure that applies to SEC-registered companies. The cooperative's earnings are distributed to member-farmers as patronage dividends rather than being fully retained on the corporate balance sheet, which can constrain the pace of voluntary pension contributions relative to a comparably sized public corporation. The plan's funded status is therefore linked to both agricultural commodity cycles and the cooperative's annual patronage decisions.

### What asset classes does the trust invest in?

The trust maintains a diversified portfolio spanning public equities, investment-grade and high-yield fixed income, real estate, and private-market alternatives. The allocation is designed to balance long-term return generation with liability-matching against benefit obligations that extend decades into the future.

### Where can I find the trust's most recent financial and actuarial data?

As an ERISA-governed pension plan, the trust files an annual Form 5500 with the US Department of Labor. These public filings contain basic financial statements, participant counts, and funded-status metrics. The cooperative's annual report, published on landolakesinc.com, provides the broader context of sponsor financial health.

## Related profiles

- [Land Bank of Taiwan](https://altss.com/profile/land-bank-of-taiwan)
- [Lander & Associates](https://altss.com/profile/lander-associates)

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Last updated: 2026-06-03T20:00:00.000Z

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