Retirement plan

DOW EMPLOYEES' PENSION PLAN

Name: THE DOW CHEMICAL COMPANY - DOW EMPLOYEES' PENSION PLAN (2020) Form 5500
Creator: THE DOW CHEMICAL COMPANY
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, DOW EMPLOYEES' PENSION PLAN, THE DOW CHEMICAL COMPANY

THE DOW CHEMICAL COMPANYEIN 38-1285128Plan #001PY 2020

2211 H.H. DOW WAY - MIDLAND, MI 48674989-638-7140

Other plans on this EIN

1 filing

#002Retirement-$11.52B assets

Prospect flagsHigh retiree %

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.

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Total assets (EOY)

$15426M

+6.2% from 2019

Total participants

52,946

-12.3% from 2019

Average account balance

No prior year

Annual return

12.94%

-5.46 pp from 2019

Benchmarks

See 212 peers

Peer group

Industryany (size+type match)

Plan typeDefined benefit

Participants>=10,000

Cohort212 peers

Snapshot2020

Free accounts unlock saves, downloads, and 3-year history.

Analytics

Total assets (EOY)

Plan-year ending balance

$10.93B

Not enough data

1 years with asset history on file

Average account balance

Total assets / participants with a balance (line 6g)

$342K

Not enough data

1 years with per-participant data

Participants with account balance

Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.

25,541

Not enough data

1 years with headcount on file

Eligible Participants and Participation

Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.

0.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

Not enough data

0 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

Not enough data

0 years with per-participant contribution data

Asset flow

BOY + contributions + return - distributions = EOY

Year

Annual return

Diverging bars; negative years highlighted

+0.56%

Not enough data

1 years with return on file

Admin fee / account holder

Total admin expenses / participants with a balance (line 6g)

Not enough data

1 years with admin cost on file

Asset composition

Cash / stocks / bonds / mutual funds / real estate / loans over time

Not enough data

1 years with F_SCH_H allocation on file

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Service providers

Top 10 of 18 by compensation

Provider	Service type	Compensation
WILLIS TOWERS WATSON US LLC6+ years Filed as: WILLIS TOWERS WATSON Service code 11 · EIN 53-0181291	Actuarial	$5,966,393
NORTHERN TRUST COMPANY6+ years Service code 21 · EIN 36-1561860	Bank Trustee	$951,218
T ROWE PRICE RPS INC3 years Filed as: T ROWE PRICE ASST MGMT INC. Service code 27 · EIN 52-0556948	Advisory (Plan)	$317,481
BLOOMBERG FINANCE LP6+ years Filed as: BLOOMBERG FINANCE L.P. Service code 50 · EIN 13-3417984	Direct Payment	$262,009
GOLDMAN SACHS5 years Filed as: GOLDMAN SACHS ASSET MANAGEMENT, LP Service code 28 · EIN 13-3575636	Investment Management	$190,833
BDO USA, LLP2 years Service code 10 · EIN 13-5381590	Accounting	$189,993
CALYPSO TECHNOLOGY, INC6+ years Service code 16 · EIN 94-3277822	Consulting	$177,431
COVINGTON & BURLING LLP6+ years Service code 29 · EIN 53-0188411	Legal	$167,443
MCUBE INVESTMENT TECHNOLOGIES LLC1 year Service code 15 · EIN 37-1439558	Recordkeeping	$164,539
THE BANK OF NEW YORK MELLON2 years Filed as: BANK OF NEW YORK Service code 21 · EIN 13-5160382	Bank Trustee	$97,812

Enrolled actuary

1 attachment

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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

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

$50.3M

$3529 / participant

Investment mgmt$569K1.1%
Other / not subdivided$50M98.9%

% of EOY assets

0.326%

all-in expense ratio

Categories reported

1 / 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, LLP
Auditor EIN: 135381590
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$91,826-100.0%

Participation rate

0.0%

0.0%0pp

4.7%-4.7pp

0.0%0pp

Annual return

12.94%

13.80%-0.9pp

793.01%-780.1pp

13.80%-0.9pp

Employer contribution / active EE

$31,898

$10,386+207.1%

$27,004+18.1%

$10,386+207.1%

Participant deferral / active EE

$448-100.0%

$154-100.0%

$448-100.0%

Admin fee / account holder

$4,239-100.0%

Provider

Service type

Compensation

WILLIS TOWERS WATSON US LLC6+ years

Filed as: WILLIS TOWERS WATSON

Service code 11 · EIN 53-0181291

Actuarial

$5,966,393

NORTHERN TRUST COMPANY6+ years

Service code 21 · EIN 36-1561860

Bank Trustee

$951,218

T ROWE PRICE RPS INC3 years

Filed as: T ROWE PRICE ASST MGMT INC.

Service code 27 · EIN 52-0556948

Advisory (Plan)

$317,481

BLOOMBERG FINANCE LP6+ years

Filed as: BLOOMBERG FINANCE L.P.

Service code 50 · EIN 13-3417984

Direct Payment

$262,009

GOLDMAN SACHS5 years

Filed as: GOLDMAN SACHS ASSET MANAGEMENT, LP

Service code 28 · EIN 13-3575636

Investment Management

$190,833

BDO USA, LLP2 years

Service code 10 · EIN 13-5381590

Accounting

$189,993

CALYPSO TECHNOLOGY, INC6+ years

Service code 16 · EIN 94-3277822

Consulting

$177,431

COVINGTON & BURLING LLP6+ years

Service code 29 · EIN 53-0188411

Legal

$167,443

MCUBE INVESTMENT TECHNOLOGIES LLC1 year

Service code 15 · EIN 37-1439558

Recordkeeping

$164,539

THE BANK OF NEW YORK MELLON2 years

Filed as: BANK OF NEW YORK

Service code 21 · EIN 13-5160382

Bank Trustee

$97,812

DOW EMPLOYEES' PENSION PLAN

Top hat statement on fileNQDC

Summary metrics

Benchmarksi

Analytics

Service providersi

Enrolled actuary

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

DOW EMPLOYEES' PENSION PLAN

Top hat statement on fileNQDC

Summary metrics

Benchmarksi

Analytics

Service providersi

Enrolled actuary

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion