Retirement plan

THE DOW CHEMICAL COMPANY EMPLOYEES' SAVINGS PLAN

Name: THE DOW CHEMICAL COMPANY - THE DOW CHEMICAL COMPANY EMPLOYEES' SAVINGS PLAN (2020) 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 2020

2211 H.H. DOW WAY - MIDLAND, MI 48674989-636-3762

Other plans on this EIN

1 filing

#001Retirement-$15.43B assets

Prospect flagsHigh assets / participantLow employer contributionCorrective 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)

$11517.2M

+5.3% from 2019

Total participants

35,803

-5.7% from 2019

Average account balance

$322,062

+11.5% from 2019

Annual return

12.97%

-1.86 pp from 2019

Benchmarks

See 50 peers

Peer group

Industry32 - Manufacturing

Plan typeDefined contribution

Participants>=10,000

Cohort50 peers

Snapshot2020

See peer percentile detail. $4.99 for your first month.

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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 INSTITUTIONAL3 years Filed as: FIDELITY INVESTMENTS INST. OP. CO. Service code 16 · EIN 04-2647786	Consulting	$1,386,940
THE BANK OF NEW YORK MELLON6+ years Filed as: BNY MELLON Service code 19 ONE WALL STREET · NEW YORK, NY 10286	Securities Custodian	$109,261
WITHUMSMITH+BROWN, PC3 years Filed as: MAYER BROWN LLP Service code 29 · EIN 36-1447220	Legal	$89,935
BDO USA, LLP2 years Filed as: BDO Service code 10 · EIN 13-5391590	Accounting	$69,579
WARNER NORCROSS & JUDD LLP1 year Filed as: WARNER, NORCROSS & JUDD Service code 29 · EIN 38-1422646	Legal	$57,090
COVINGTON & BURLING LLP6+ years Filed as: COVINGTON & BURLING Service code 29 · EIN 53-0188411	Legal	$15,805
FIDELITY INVESTMENTS INSTITUTIONAL6+ years Filed as: FIDELITY INV INST OPER CO., INC. Service code 60	Sub-TA Fees	$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

3 tripped

OpportunityLow employer contribution
Employer contribution per participant is in the bottom quintile of the peer cohort.
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

$3.2M

$190 / participant

Investment mgmt$1M40.9%
Other / not subdivided$2M59.1%

% of EOY assets

0.028%

all-in expense ratio

Categories reported

1 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

The auditor signed off without reservation. This is the cleanest opinion.

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

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Metric

This plan

Peer set

Industry

Size

Avg account balance

$322,062

$430,560-25.2%

$98,907+225.6%

$106,222+203.2%

Participation rate

99.8%

86.2%+13.6pp

76.0%+23.7pp

70.8%+28.9pp

Annual return

12.97%

17.89%-4.9pp

196.43%-183.5pp

21.69%-8.7pp

Employer contribution / active EE

$153

$6,804-97.7%

$2,689-94.3%

$2,723-94.4%

Participant deferral / active EE

$12,781

$9,623+32.8%

$4,244+201.1%

$4,600+177.9%

Admin fee / account holder

$90

$220-59.3%

$6,642-98.7%

$78+14.3%

Provider

Service type

Compensation

FIDELITY INVESTMENTS INSTITUTIONAL3 years

Filed as: FIDELITY INVESTMENTS INST. OP. CO.

Service code 16 · EIN 04-2647786

Consulting

$1,386,940

THE BANK OF NEW YORK MELLON6+ years

Filed as: BNY MELLON

Service code 19

ONE WALL STREET · NEW YORK, NY 10286

Securities Custodian

$109,261

WITHUMSMITH+BROWN, PC3 years

Filed as: MAYER BROWN LLP

Service code 29 · EIN 36-1447220

Legal

$89,935

BDO USA, LLP2 years

Filed as: BDO

Service code 10 · EIN 13-5391590

Accounting

$69,579

WARNER NORCROSS & JUDD LLP1 year

Filed as: WARNER, NORCROSS & JUDD

Service code 29 · EIN 38-1422646

Legal

$57,090

COVINGTON & BURLING LLP6+ years

Filed as: COVINGTON & BURLING

Service code 29 · EIN 53-0188411

Legal

$15,805

FIDELITY INVESTMENTS INSTITUTIONAL6+ years

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

Service code 60

Sub-TA Fees

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