Retirement plan

THE DOW CHEMICAL COMPANY EMPLOYEES' SAVINGS PLAN

Name: THE DOW CHEMICAL COMPANY - THE DOW CHEMICAL COMPANY EMPLOYEES' SAVINGS PLAN (2016) Form 5500
Creator: THE DOW CHEMICAL COMPANY
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, THE DOW CHEMICAL COMPANY EMPLOYEES' SAVINGS PLAN, THE DOW CHEMICAL COMPANY

THE DOW CHEMICAL COMPANYEIN 38-1285128Plan #002PY 2016

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

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)

$11233.1M

No prior year

Total participants

41,584

No prior year

Average account balance

$271,838

No prior year

Annual return

20.55%

No prior year

Benchmarks

See 50 peers

Peer group

Industry32 - Manufacturing

Plan typeDefined contribution

Participants>=10,000

Cohort50 peers

Snapshot2016

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

Analytics

Total assets (EOY)

Plan-year ending balance

$11.50B

Not enough data

1 years with asset history on file

Average account balance

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

$371K

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.

30,997

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.

99.7%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$484.02M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$29K

Not enough data

1 years with per-participant contribution data

Asset flow

BOY + contributions + return - distributions = EOY

Year

Annual return

Diverging bars; negative years highlighted

+13.56%

Not enough data

1 years with return on file

Admin fee / account holder

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

$19

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 7 by compensation

Provider	Service type	Compensation
FIDELITY INVESTMENTS INSTITUTIONAL2+ years Filed as: FIDELITY INV INST OPER CO., INC. Service code 37 · EIN 04-2647786	Loan Processing	$2,788,749
THE BANK OF NEW YORK MELLON2+ years Filed as: BNY MELLON 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
WITHUMSMITH+BROWN, PC2+ years Filed as: MAYER BROWN, LLP Service code 29 · EIN 36-1447220	Legal	$55,202
PLANTE & MORAN, PLLC2+ years Service code 10 · EIN 38-1357951	Accounting	$30,250
WARNER NORCROSS & JUDD LLP1+ years Filed as: WARNER NORCROSS & JUDD Service code 29 · EIN 38-1422647	Legal	$21,960
T ROWE PRICE RPS INC2+ years Filed as: T. ROWE PRICE TRUST COMPANY Service code 21 · EIN 52-1309931	Bank Trustee	$0

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

Metric

This plan

Peer set

Industry

Size

Avg account balance

$271,838

$169,122+60.7%

$78,002+248.5%

$329,111-17.4%

Participation rate

99.0%

88.4%+10.6pp

75.5%+23.4pp

67.9%+31.1pp

Annual return

20.55%

11.00%+9.5pp

425.99%-405.4pp

16.35%+4.2pp

Employer contribution / active EE

$6,975

$5,827+19.7%

$2,470+182.4%

$2,303+202.8%

Participant deferral / active EE

$9,743

$8,046+21.1%

$3,497+178.6%

$3,682+164.6%

Admin fee / account holder

$73

$83-12.1%

$5,481-98.7%

$754-90.4%

Provider

Service type

Compensation

FIDELITY INVESTMENTS INSTITUTIONAL2+ years

Filed as: FIDELITY INV INST OPER CO., INC.

Service code 37 · EIN 04-2647786

Loan Processing

$2,788,749

THE BANK OF NEW YORK MELLON2+ years

Filed as: BNY MELLON

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

WITHUMSMITH+BROWN, PC2+ years

Filed as: MAYER BROWN, LLP

Service code 29 · EIN 36-1447220

Legal

$55,202

PLANTE & MORAN, PLLC2+ years

Service code 10 · EIN 38-1357951

Accounting

$30,250

WARNER NORCROSS & JUDD LLP1+ years

Filed as: WARNER NORCROSS & JUDD

Service code 29 · EIN 38-1422647

Legal

$21,960

T ROWE PRICE RPS INC2+ years

Filed as: T. ROWE PRICE TRUST COMPANY

Service code 21 · EIN 52-1309931

Bank Trustee

THE DOW CHEMICAL COMPANY EMPLOYEES' SAVINGS PLAN

Top hat statement on fileNQDC

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

THE DOW CHEMICAL COMPANY EMPLOYEES' SAVINGS PLAN

Top hat statement on fileNQDC

Summary metrics

Benchmarksi

Analytics

Service providersi

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