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Original filing (PDF)20251009085620NAL0006712593001
LAKES AREA COOPERATIVE
Form 5500
FILING_RECEIVED
CO-OP 401(K) PLAN
401(k) retirement plan
Signals · 2
25% in single holdingNo recordkeeper disclosed
Active participants
170
Accounts w/ balance
215
Plan assets (EOY)
$8.3M
Net assets (EOY)
$8.3M
How this plan invests
This plan
1 pooled trust
Schedule D
17 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
95
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
87
Total plan cost
100
Vendor stack
80
Participation health
100
Knocking points off
- Top holding "Vanguard Instl Index Instl PI Mutual fund, dividends/interest reinvested N/A" is 25% of plan.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for LAKES AREA COOPERATIVE.
Plan sponsor
Name
LAKES AREA COOPERATIVE
EIN
41-0474270
Address
P. O. BOX 247 · PERHAM, MN · 56573
Phone
(218) 346-6240
Industry
Agriculture, Forestry, Fishing, Huntingsee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-09
Pension benefit codes
3D · Pre-approved plan (master / prototype / VS)
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2T · Default investment account (QDIA)
Audit & trust (Schedule H)
Auditor
WIDMER ROEL PC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsOther
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MILLIMAN, INC. | 91-0675641 | — | NONE | $31K | — |
Investments
17 direct securities · 1 pooled fund· $8.4M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Click one to drill into its own Schedule of Assets — where the individual funds, shares, and CUSIPs live.
Uncategorized
$8.3M
17 holdings
Common Collective Trust
$37K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Instl Index Instl PI Mutual fund, dividends/interest reinvested N/A | — | — | — | $2.1M | 25.3% | |
| Vanguard Small Cap Ind Inst Plus Mutual fund, dividends/interest reinvested N/A | — | — | — | $990K | 11.9% | |
| Pimco Total Return Fund Instl Class Mutual fund, dividends/interest reinvested N/A | — | — | — | $881K | 10.6% | |
| Co-Op Stable Income Fund-Norwest Stable value fund, income reinvested N/A | — | — | — | $848K | 10.2% | |
| Vanguard Total Intl Stock Index Instl Pls Mutual fund, dividends/interest reinvested N/A | — | — | — | $843K | 10.1% | |
| Vanguard Intl Growth Admiral Class Mutual fund, dividends/interest reinvested N/A | — | — | — | $596K | 7.2% | |
| Vanguard Total Bd Mkt Index Instl Sh Mutual fund, dividends/interest reinvested N/A | — | — | — | $542K | 6.5% | |
| Vanguard Wellington Admiral Shares Mutual fund, dividends/interest reinvested N/A | — | — | — | $451K | 5.4% | |
| T Rowe Price Mid-Cap Growth Fund Mutual fund, dividends/interest reinvested N/A | — | — | — | $347K | 4.2% | |
| Vanguard Windsor II Admiral Shares Mutual fund, dividends/interest reinvested N/A | — | — | — | $317K | 3.8% | |
| Vanguard Infl Protected Secs Fdinst Mutual fund, dividends/interest reinvested N/A | — | — | — | $250K | 3.0% | |
| Participant Loans maturities, secured by vested account balance N/A | — | — | — | $79K | 0.9% | |
| Mainstay Winslow Large Cap Growth R6 Mutual fund, dividends/interest reinvested N/A | — | — | — | $56K | 0.7% | |
| SHORT TERM INVESTMENT A S SEI TRUST COMPANY · EIN 41-6292499 / PN 001 | Common Collective Trust | — | — | $37K | 0.4% | |
| Allspring Special Small Cap Val Instl Mutual fund, dividends/interest reinvested N/A | — | — | — | $6K | <0.1% | |
| Vanguard Explorer Fund Admiral Shares Mutual fund, dividends/interest reinvested N/A | — | — | — | $6K | <0.1% | |
| Dodge & Cox International Stock X Mutual fund, dividends/interest reinvested N/A 375 JPMorgan Mid Cap Value R6 Mutual fund, dividends/interest reinvested N/A | — | — | — | $4K | <0.1% | |
| Artisan International Instl Mutual fund, dividends/interest reinvested N/A | — | — | — | $1K | <0.1% |
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