Retirement plan

THE DOW CHEMICAL COMPANY EMPLOYEES' SAVINGS PLAN

Name: THE DOW CHEMICAL COMPANY - THE DOW CHEMICAL COMPANY EMPLOYEES' SAVINGS PLAN (2022) 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 2022

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

Other plans on this EIN

1 filing

#001Retirement-$13.02B assets

Prospect flagsLow returnsHigh assets / participant

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)

$9307.6M

-39.5% from 2021

Total participants

34,861

+0.7% from 2021

Average account balance

$268,154

-40.1% from 2021

Annual return

-35.57%

-78.75 pp from 2021

Benchmarks

See 56 peers

Peer group

Industry32 - Manufacturing

Plan typeDefined contribution

Participants>=10,000

Cohort56 peers

Snapshot2022

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 INSTITUTIONAL5 years Filed as: FIDELITY INVESTMENTS INST. OP. CO. Service code 16 · EIN 04-2647786	Consulting	$1,152,507
WITHUMSMITH+BROWN, PC5 years Filed as: MAYER BROWN LLP Service code 29 · EIN 36-1447220	Legal	$184,149
THE BANK OF NEW YORK MELLON8+ years Filed as: BNY MELLON Service code 19 ONE WALL STREET · NEW YORK, NY 10286	Securities Custodian	$97,461
COVINGTON & BURLING LLP8+ years Filed as: COVINGTON & BURLING Service code 29 · EIN 53-0188411	Legal	$38,877
WARNER NORCROSS & JUDD LLP3 years Filed as: WARNER, NORCROSS & JUDD Service code 29 · EIN 38-1422647	Legal	$18,769
QDRO CONSULTANTS COMPANY, LLC2 years Filed as: QDRO CONSULTANTS CO LLC Service code 16 · EIN 34-1820650	Consulting	$14,400
FIDELITY INVESTMENTS INSTITUTIONAL8+ 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

2 tripped

OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.
InformationalHigh assets / participant
Assets per participant exceed $250,000 - top-decile high-value plan.

Expense breakdown

Schedule H Part II

Admin total

$2.7M

$152 / participant

Investment mgmt$1M45.0%
Other / not subdivided$2M55.0%

% of EOY assets

0.030%

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

$268,154

$185,545+44.5%

$90,749+195.5%

$89,394+200.0%

Participation rate

99.2%

85.0%+14.1pp

75.7%+23.5pp

71.3%+27.9pp

Annual return

-35.57%

-13.56%-22.0pp

-12.16%-23.4pp

-11.89%-23.7pp

Employer contribution / active EE

$5,256

$7,210-27.1%

$2,921+79.9%

$3,022+73.9%

Participant deferral / active EE

$13,902

$9,550+45.6%

$4,564+204.6%

$5,123+171.3%

Admin fee / account holder

$79

$100-21.0%

$8,445-99.1%

$79-0.3%

Provider

Service type

Compensation

FIDELITY INVESTMENTS INSTITUTIONAL5 years

Filed as: FIDELITY INVESTMENTS INST. OP. CO.

Service code 16 · EIN 04-2647786

Consulting

$1,152,507

WITHUMSMITH+BROWN, PC5 years

Filed as: MAYER BROWN LLP

Service code 29 · EIN 36-1447220

Legal

$184,149

THE BANK OF NEW YORK MELLON8+ years

Filed as: BNY MELLON

Service code 19

ONE WALL STREET · NEW YORK, NY 10286

Securities Custodian

$97,461

COVINGTON & BURLING LLP8+ years

Filed as: COVINGTON & BURLING

Service code 29 · EIN 53-0188411

Legal

$38,877

WARNER NORCROSS & JUDD LLP3 years

Filed as: WARNER, NORCROSS & JUDD

Service code 29 · EIN 38-1422647

Legal

$18,769

QDRO CONSULTANTS COMPANY, LLC2 years

Filed as: QDRO CONSULTANTS CO LLC

Service code 16 · EIN 34-1820650

Consulting

$14,400

FIDELITY INVESTMENTS INSTITUTIONAL8+ 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