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Original filing (PDF)20251009123325NAL0016075234001
THE DOW CHEMICAL COMPANY
Form 5500
FILING_RECEIVED
DOW EMPLOYEES' PENSION PLAN (PERSONAL PENSION ACCOUNT)
Defined-benefit pension plan
Signals · 3
97% in single holdingNo recordkeeper disclosed6 service providers
Active participants
7,925
Accounts w/ balance
—
Plan assets (EOY)
$401.5M
Net assets (EOY)
$401.0M
How this plan invests
This plan
2 pooled trusts
Schedule D
2 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
84
/ 100
Grade B
Above-average plan
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
75
Total plan cost
65
Vendor stack
80
Participation health
100
Knocking points off
- Top holding "DOW ATTRIBUTION SECURITY" is 97% of plan.
- 74 bps in Schedule C fees — 636% above peer band of 10 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for THE DOW CHEMICAL COMPANY.
Plan sponsor
Name
THE DOW CHEMICAL COMPANY
EIN
38-1285128
Address
2211 H.H DOW WAY · MIDLAND, MI · 48674
Phone
(989) 638-5773
Industry
Manufacturingsee all
Plan administrator
Name
THE DOW CHEMICAL COMPANY
EIN
38-1285128
City
MIDLAND, MI
Phone
(989) 638-7140
Plan characteristics
Plan number
005
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-09
Pension benefit codes
1A · Pay-related DB formula
1B · Flat-dollar DB formula
1C · Cash balance or similar hybrid DB
1E · Section 401(h) arrangement
3F · Sponsor used leased employees
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
BDO USA, P.C.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
6 rowsCustodian
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| THE NORTHERN TRUST COMPANY | 36-1561860 | — | CUSTODIAN | $11K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| THE DOW CHEMICAL COMPANY | 38-1285128 | — | PLAN ADMINISTRATOR | $34K | — |
Other
4| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| WILLIS TOWERS WATSON | 53-0181291 | — | NONE KNOWN | $2.8M | — |
| COVINGTON & BURLING LLP | 53-0188411 | — | NONE KNOWN | $82K | — |
| ADENZA, INC. | 94-3277822 | — | NONE KNOWN | $27K | — |
| BLOOMBERG FINANCE L.P. | 13-3417984 | — | NONE KNOWN | $14K | — |
Investments
1 direct security · 2 pooled funds· $792.3M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Click one to drill into its own Schedule of Assets — where the individual funds, shares, and CUSIPs live.
Uncategorized
$390.8M
1 holding
Master Trust
$390.8M
1 holding
Common Collective Trust
$10.7M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| DOW ATTRIBUTION SECURITY | — | 0.02 | $374.2M | $390.8M | 97.3% | |
| DRGT SHORT DURATION FIXED INCOME THE DOW CHEMICAL COMPANY · EIN 38-1285128 / PN 040 | Master Trust | — | — | $390.8M | 97.3% | |
| NT COLLECTIVE SHORT TERM INVT FD NORTHERN TRUST INVESTMENTS, INC. · EIN 45-6138589 / PN 084 | Common Collective Trust | 0.02 | $10.7M | $10.7M | 2.7% |