PlanOptica
Retirement plan

THE DOW CHEMICAL COMPANY EMPLOYEES' SAVINGS PLAN

THE DOW CHEMICAL COMPANYEIN 38-1285128Plan #002PY 2016
Sign in to saveView 5500 PDF
2030 DOW CENTER - MIDLAND, MI 48674989-636-3762
Other plans on this EIN
2 filings
#001Retirement-$12.12B assets#333Retirement--
Prospect flagsHigh assets / participantCorrective distributions

Filing contacts

From the Form 5500, federal record
Plan sponsor signer
BRYAN JENDRETZKE
Signed 10/14/2017
(989) 636-3762
Plan administrator signer
MARIE CURRERI
Signed 10/16/2017
Plan administrator entity
THE DOW CHEMICAL COMPANY NORTH AMERICA RETIREMENT PROGRAMS LEADER
EIN 381285128
U.S. BENEFITS CENTER · MIDLAND, MI 48674
How to read this page

Summary metrics

Total assets (EOY)
$11233.1M
-13.9% from 2016
Total participants
41,584
-9.8% from 2016
Average account balance
$271,838
-4.4% from 2016
Annual return
20.55%
-16.30 pp from 2016

Benchmarks

See 50 peers
Peer group
Industry32 - Manufacturing
Plan typeDefined contribution
Participants>=10,000
Cohort50 peers
Snapshot2016
Participant deferral / active EE
$9,743
median $6,636
Employer contribution / active EE
$6,975
median $4,521
Participation rate
99.0%
median 94.3%
Avg account balance
$271,838
median $162,691
Admin fee / account holder
$73
median $54
Annual return
20.55%
median 8.42%
Overall peer rank
71st percentileavg across 6 metrics

Analytics

2015 - 2024
Total assets (EOY)
Plan-year ending balance
$10.77B
Average account balance
Total assets / participants with a balance (line 6g)
$326K
Participants with account balance
Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.
33,016
Eligible Participants and Participation
Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.
99.8%
Contributions (total)
Employer and participant dollars contributed each year
$494.66M
Contributions per participant
Average employer and participant contribution per enrolled participant
$29K
Asset flow
BOY + contributions + return - distributions = EOY
Year
Annual return
Diverging bars; negative years highlighted
+12.42%
Admin fee / account holder
Total admin expenses / participants with a balance (line 6g)
$46
Asset composition
Cash / stocks / bonds / mutual funds / real estate / loans over time
  • Mutual / pooled
  • Stocks
  • Bonds
  • Cash
  • Real estate
  • Loans

Service providers

Top 7 by compensation
ProviderService typeCompensation
FIDELITY INV INST OPER CO., INC.2+ years
Service code 37 · EIN 04-2647786
Loan Processing
$2,788,749
BNY MELLON2+ years
Service code 19
ONE WALL STREET · NEW YORK, NY 10286
Securities Custodian
$101,190
EVERCORE TRUST COMPANY2+ years
Service code 28 · EIN 26-4691954
Investment Management
$75,000
MAYER BROWN, LLP2+ years
Service code 29 · EIN 36-1447220
Legal
$55,202
PLANTE & MORAN, PLLC2+ years
Service code 10 · EIN 38-1357951
Accounting
$30,250
WARNER NORCROSS & JUDD1 year
Service code 29 · EIN 38-1422647
Legal
$21,960
T. ROWE PRICE TRUST COMPANY2+ years
Service code 21 · EIN 52-1309931
Bank Trustee
$0

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 codes2E2F2H2J2K2O2P2S2T3F3J3H
Plan features
  • 2E
    Profit-sharing
    Profit-sharing plan.
  • 2F
    ERISA section 404(c) plan
    This plan or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1 (shifting investment responsibility to participants).
  • 2H
    Partial participant-directed account plan
    Participants have the opportunity to direct the investment of a portion of the assets allocated to their individual accounts regardless of whether 29 CFR 2550.404c-1 is intended to be met.
  • 2J
    Code section 401(k) feature
    Cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan under which employees may elect to defer part of their compensation or receive these amounts in cash.
  • 2K
    Code section 401(m) arrangement
    Employee contributions are allocated to separate accounts under the plan or employer contributions are based in whole or in part on employee deferrals or contributions to the plan. Not applicable to 401(k) plans with only QNECs and/or QMACs or to 403(b)(1) 403(b)(7) or 408 arrangements.
  • 2O
    ESOP other than a leveraged ESOP
    Employee stock ownership plan that is not leveraged.
  • 2P
    Leveraged ESOP
    Employee stock ownership plan that acquires employer securities with borrowed money or other debt-financing techniques.
  • 2S
    Automatic enrollment
    Plan provides for automatic enrollment in plan that has elective contributions deducted from payroll.
  • 2T
    Default investment account
    Total or partial participant-directed account plan where plan uses a default investment account for participants who fail to direct assets in their account.
  • 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)).
  • 3J
    U.S.-based Puerto Rico dual-qualified plan
    U.S.-based plan that covers residents of Puerto Rico and is qualified under both Code section 401 and section 1165 of the Internal Revenue Code of Puerto Rico.

Opportunity flags

2 tripped
  • ComplianceCorrective distributions

    Plan reported corrective distributions (failed ADP/ACP testing).

  • InformationalHigh assets / participant

    Assets per participant exceed $250,000 - top-decile high-value plan.

Expense breakdown

Schedule H Part II
Admin total
$3.0M
$119 / participant
  • Other / not subdivided$3M100.0%
% of EOY assets
0.027%
all-in expense ratio
Categories reported
0 / 9
subdivided buckets used

Audit opinion

Schedule H Part III
Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm
PLANTE & MORAN, PLLC
Auditor EIN
381357951
Audit fees
(not subdivided)
Opinion code
Unqualified