PlanOptica
Retirement plan

DOW EMPLOYEES' PENSION PLAN (PERSONAL PENSION ACCOUNT)

THE DOW CHEMICAL COMPANYEIN 38-1285128Plan #005PY 2024
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2211 H.H DOW WAY - MIDLAND, MI 48674989-638-5773
Other plans on this EIN
2 filings
#001Retirement-$10.93B assets#002Retirement-$10.77B assets
Prospect flagsWind-down / frozen

Filing contacts

From the Form 5500, federal record
Plan sponsor signer
(name not on filing)
(989) 638-5773
Plan administrator signer
KELLY REYES
Signed 10/09/2025
Plan administrator entity
THE DOW CHEMICAL COMPANY
EIN 381285128
DOW NORTH AMERICA BENEFITS, 2211 H.H DOW WAY · MIDLAND, MI 48674
(989) 638-7140
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Summary metrics

Total assets (EOY)
$401.5M
No prior year
Total participants
11,463
No prior year
Average account balance
$0
No prior year
Annual return
3.35%
No prior year

Benchmarks

See 186 peers
Peer group
Industryany (size+type match)
Plan typeDefined benefit
Participants5,000-9,999
Cohort186 peers
Snapshot2024
Participant deferral / active EE
$0
median $247
Employer contribution / active EE
$0
median $6,320
Participation rate
0.0%
median 0.0%
Avg account balance
$0
Admin fee / account holder
$0
Annual return
3.35%
median 6.71%
Overall peer rank
33rd percentileavg across 6 metrics

Analytics

Less than 3 years of history available for this plan
We'll show a chart here once at least 3 consecutive filings are on record.

Service providers

Top 6 by compensation
ProviderService typeCompensation
WILLIS TOWERS WATSON1+ years
Service code 11 · EIN 53-0181291
Actuarial
$2,785,298
COVINGTON & BURLING LLP1+ years
Service code 29 · EIN 53-0188411
Legal
$81,871
THE DOW CHEMICAL COMPANY1+ years
Service code 14 · EIN 38-1285128
Plan Administrator
$34,393
ADENZA, INC.1+ years
Service code 16 · EIN 94-3277822
Consulting
$26,570
BLOOMBERG FINANCE L.P.1+ years
Service code 50 · EIN 13-3417984
Direct Payment
$13,927
THE NORTHERN TRUST COMPANY1+ years
Service code 21 · EIN 36-1561860
Bank Trustee
$11,384

Enrolled actuary

1 attachment
SB

KAITLIN KOWALSKI

WILLIS TOWERS WATSON US LLC
Enrollment #2308773
26555 EVERGREEN ROAD, SUITE 1600
SOUTHFIELD, MI 48076
(248) 936-7700
Signed 2025-10-02

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

1 tripped
  • InformationalWind-down / frozen

    Plan appears closed to new enrollment or frozen - balance-holders far exceed active participants, or the plan reports active distributions with no inflows. Exclude from peer benchmarks.

Expense breakdown

Schedule H Part II
Admin total
$4.7M
$590 / participant
  • Trustee / custodial$15K0.3%
  • Actuarial$3M69.0%
  • Valuation$17K0.4%
  • Other / not subdivided$1M30.3%
% of EOY assets
1.165%
all-in expense ratio
Categories reported
3 / 9
subdivided buckets used

Audit opinion

Schedule H Part III
Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm
BDO USA, P.C.
Auditor EIN
135381590
Audit fees
$3,090
Opinion code
Unqualified