LAND O’LAKES, INC. EMPLOYEE SAVINGS AND SUPPLEMENTAL RETIREMENT PLAN Contribution & Employer Match

How LAND O’LAKES, INC. Supports Your Retirement Savings

LAND O’LAKES, INC. provides retirement savings benefits through LAND O’LAKES, INC. EMPLOYEE SAVINGS AND SUPPLEMENTAL RETIREMENT PLAN. Understanding your employer’s contribution structure is essential — it directly affects how quickly your retirement nest egg grows. Below you will find the plan’s average account values and contribution patterns based on publicly filed data.

LAND O’LAKES, INC. EMPLOYEE SAVINGS AND SUPPLEMENTAL RETIREMENT PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for LAND O’LAKES, INC. EMPLOYEE SAVINGS AND SUPPLEMENTAL RETIREMENT PLAN is $172,577.00

LAND O’LAKES, INC. EMPLOYEE SAVINGS AND SUPPLEMENTAL RETIREMENT PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for LAND O’LAKES, INC. EMPLOYEE SAVINGS AND SUPPLEMENTAL RETIREMENT PLAN is $11,252.00. If you contribute an amount exceeding this, you have saved more than your colleagues. Congratulations! Keep up the good work. Otherwise, you might want to consider contributing more to ensure a better retirement future.
720,174.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 11,252.00 in LAND O’LAKES, INC. EMPLOYEE SAVINGS AND SUPPLEMENTAL RETIREMENT PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in LAND O’LAKES, INC. EMPLOYEE SAVINGS AND SUPPLEMENTAL RETIREMENT PLAN

An employer match is one of the most valuable benefits in any 401(k) plan — it is essentially free money added to your retirement savings. Your employer contributes additional funds based on a percentage of your own contributions. Missing out on the full match is one of the most common and costly retirement mistakes employees make.

LAND O’LAKES, INC. EMPLOYEE SAVINGS AND SUPPLEMENTAL RETIREMENT PLAN Total Employer Contribution and Match Rate

In 2024, LAND O’LAKES, INC. EMPLOYEE SAVINGS AND SUPPLEMENTAL RETIREMENT PLAN allocates $51,919,472.00 to match its employees’ contributions, providing an employer match rate of 78.02% of their contributions

LAND O’LAKES, INC. EMPLOYEE SAVINGS AND SUPPLEMENTAL RETIREMENT PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in LAND O’LAKES, INC. EMPLOYEE SAVINGS AND SUPPLEMENTAL RETIREMENT PLAN is approximately $4,389.00
Investing in this additonal $4,389.00 for 20 years would give you extra $280,954.00, assuming a 10% annual return.

* Data are from public filings.

Are You Leaving Dollars on the Table?

If you are not contributing enough to capture the maximum employer match, you are literally turning down part of your compensation. For many plans, this can mean thousands of dollars per year in lost employer contributions — money that would compound over decades.

Use the policy details and calculator below to find out exactly how much you need to contribute to capture every dollar of employer matching.

LAND O’LAKES, INC. EMPLOYEE SAVINGS AND SUPPLEMENTAL RETIREMENT PLAN Contribution & Match Policy

LAND O’LAKES, INC. EMPLOYEE SAVINGS AND SUPPLEMENTAL RETIREMENT PLAN Plan Policies

LAND O’LAKES, INC. EMPLOYEE SAVINGS AND SUPPLEMENTAL RETIREMENT PLAN Contribution, Match and Other Plan Policies

  • Participants may make before tax, Roth and after tax contributions, dependent upon salary (Employees who meet the Internal Revenue Service (IRS) definition of Non Highly Compensated Employees can contribute up to 50% on a pre-tax and/or Roth basis and up to 10% on an after tax basis; employees meeting the IRS definition of Highly Compensated Employees can contribute up to 16% on a pre-tax and/or Roth basis and up to 5% on an after-tax basis).
  • Participants, who have attained age 50 before the end of the Plan year, are eligible for catch-up contributions.
  • The Company automatically enrolls new hires or newly eligible employees in the Plan at a 6% before tax contribution rate 30 days after becoming eligible to participate.
  • The Plan also implemented an automatic annual 1% increase up to 15% unless the participant makes a contrary election.
  • The Plan has two Employer matching contribution formulas.
  • Beginning with the 2006 Plan year, employees who became eligible for the Plan prior to January 1, 2006 and who chose to remain in the traditional version of the Plan receive Employer matching contributions equal to 50% of the sum of participants’ contributions, but will not be made on any employee contributions that exceed 6% of compensation.
  • Employees who become eligible for the Plan on or after January 1, 2006 or who chose to participate in the Plan receive Employer matching contributions equal to 100% of the first 3% of pay contributed, plus 50% of the next 2% of pay contributed.
  • Vesting schedule: Matching contributions for employees who met eligibility prior to January 1, 2006 are 100% vested when made.
  • Matching contributions for employees who met eligibility on or after January 1, 2006 are subject to a four year graded vesting schedule; 25% vesting is earned for each year of service.
  • The CRC is subject to a four-year graded vesting schedule; 25% vesting is earned for each year of service.

2025 IRS 401(k) Contribution Limits

The IRS sets annual limits on how much you and your employer can contribute to a 401(k) plan. Knowing these limits helps you maximize tax-advantaged savings. Here are the current limits:

 20242025
Employee elective deferrals (pretax + Roth)$23,000$23,500
Employee + employer contributions combined$69,000$70,000
Catch-up contributions (age 50+)$7,500$7,500
Enhanced catch-up (ages 60–63, SECURE 2.0)N/A$11,250

The power of maxing out: If you contribute the full $23,500 annually for 20 years at a 10% average annual return, you would accumulate approximately $1,505,256. If you can maximize the combined employee+employer limit of $70,000 per year, that grows to roughly $4,480,385 over the same period — more than triple.

Use the 401(k) Savings Calculator to model your specific contribution scenario and see how your savings can grow over time.

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