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Retirement plan

DOW EMPLOYEES' PENSION PLAN

THE DOW CHEMICAL COMPANYEIN 38-1285128Plan #001PY 2019
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2211 H.H. DOW WAY - MIDLAND, MI 48674989-638-7140
Other plans on this EIN
1 filing
#002Retirement-$10.94B assets
Prospect flagsHigh retiree %Low participant contribution

Filing contacts

From the Form 5500, federal record
Plan sponsor signer
(name not on filing)
(989) 638-7140
Plan administrator signer
BRYAN JENDRETZKE
Signed 10/12/2020
Plan administrator entity
THE DOW CHEMICAL COMPANY
EIN 381285128
DOW NORTH AMERICA BENEFITS, 2211 H.H. DOW WAY · MIDLAND, MI 48674
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Summary metrics

Total assets (EOY)
$14518.6M
-11.6% from 2016
Total participants
60,342
-13.3% from 2016
Average account balance
$0
No prior year
Annual return
18.40%
-3.03 pp from 2016

Benchmarks

See 222 peers
Peer group
Industryany (size+type match)
Plan typeDefined benefit
Participants>=10,000
Cohort222 peers
Snapshot2019
Participant deferral / active EE
$283
median $57
Employer contribution / active EE
$0
median $5,966
Participation rate
0.0%
median 0.0%
Avg account balance
$0
median $894,319,009
Admin fee / account holder
$0
median $2,968,729
Annual return
18.40%
median 16.59%
Overall peer rank
36th percentileavg across 6 metrics

Analytics

2015 - 2024
Total assets (EOY)
Plan-year ending balance
$10.93B
Average account balance
Total assets / participants with a balance (line 6g)
$342K
Participants with account balance
Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.
25,541
Eligible Participants and Participation
Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.
0.0%
Contributions (total)
Employer and participant dollars contributed each year
$455.00M
Contributions per participant
Average employer and participant contribution per enrolled participant
$32K
Asset flow
BOY + contributions + return - distributions = EOY
Year
Annual return
Diverging bars; negative years highlighted
+0.56%
Admin fee / account holder
Total admin expenses / participants with a balance (line 6g)
$0
Asset composition
Cash / stocks / bonds / mutual funds / real estate / loans over time
  • Mutual / pooled
  • Stocks
  • Bonds
  • Cash
  • Real estate
  • Loans

Service providers

Top 10 of 24 by compensation
ProviderService typeCompensation
WILLIS TOWERS WATSON5+ years
Service code 11 · EIN 53-0181291
Actuarial
$8,132,625
CALYPSO TECHNOLOGY, INC5+ years
Service code 16 · EIN 94-3277822
Consulting
$436,513
COVINGTON & BURLING LLP5+ years
Service code 29 · EIN 53-0188411
Legal
$395,471
EVERCORE1 year
Service code 27 · EIN 20-4748747
Advisory (Plan)
$395,276
BLOOMBERG FINANCE L.P.5+ years
Service code 50 · EIN 13-3417984
Direct Payment
$316,234
NORTHERN TRUST COMPANY5+ years
Service code 21 · EIN 36-1561860
Bank Trustee
$285,073
BDO USA, LLP1 year
Service code 10 · EIN 13-5381590
Accounting
$165,229
GOLDMAN SACHS ASSET MANAGEMENT, LP4 years
Service code 28 · EIN 13-3575636
Investment Management
$152,083
BANK OF NEW YORK1 year
Service code 21 · EIN 13-5160382
Bank Trustee
$113,784
PLANTE & MORAN PLLC5+ years
Service code 16 · EIN 38-1357951
Consulting
$84,895

Enrolled actuary

1 attachment
SB

ANDREA L. FLESER

WILLIS TOWERS WATSON US LLC
Enrollment #2006842
26555 EVERGREEN RD., SUITE 1600
SOUTHFIELD, MI 48076
(248) 936-7700
Signed 2020-10-05

Top hat statement on fileNQDC

Filed July 10, 2007 (most recent of 7 filings on file)

This is a legacy paper filing. Plan administrator and contact details are recorded in the original filing, which has not been digitised into structured fields.

Open the filing PDF

Plan features & details

Pension benefit codes1A1B1C1E3F3H
Plan features
  • 1A
    Benefits are primarily pay related
    Benefits under the plan are primarily determined with reference to a participant's pay (e.g. final-average-pay formula).
  • 1B
    Benefits are primarily flat dollar
    Benefits are primarily a flat dollar amount (including a dollar amount per year of service).
  • 1C
    Cash balance or similar plan
    A cash balance formula in a defined benefit plan that expresses the accrued benefit in terms more common to a defined contribution plan such as a hypothetical account balance or single sum amount (includes personal account plan pension equity plan life cycle plan and cash account plan).
  • 1E
    Section 401(h) arrangement
    Plan contains separate accounts under Code section 401(h) to provide employee health benefits.
  • 3F
    Leased employees
    Plan sponsor(s) received services of leased employees as defined in Code section 414(n) during the plan year.
  • 3H
    Controlled group member
    Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b) (c) or (m)).

Opportunity flags

2 tripped
  • OpportunityLow participant contribution

    Participant contribution per participant is in the bottom quintile of the peer cohort.

  • InformationalHigh retiree %

    Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.

Expense breakdown

Schedule H Part II
Admin total
$48.7M
$3395 / participant
  • Investment mgmt$259K0.5%
  • Other / not subdivided$48M99.5%
% of EOY assets
0.336%
all-in expense ratio
Categories reported
1 / 9
subdivided buckets used

Audit opinion

Schedule H Part III
Disclaimer opinion

Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.

Auditor firm
BDO USA, LLP
Auditor EIN
135381590
Audit fees
(not subdivided)
Opinion code
Disclaimer