Dow Chemical 401(k) and pension plans

The Dow Chemical Company, Midland, MI. EIN 38-1285128. Annual reports 2009–2025. Also filed as Dow Corning Corporation.

The Dow Chemical Company has 3 active retirement plans on file. The largest is the The Dow Chemical Company Employees' Savings Plan, with 31,053 participants and $11.5 billion in assets in 2025. Fidelity has been its recordkeeper since 2009.

Active plans: 3
Participants: 74,471
Plan assets: $22.6 billion
401(k) recordkeeper: Fidelity
Plans on file: 6
Industry: Manufacturing

All 6 plans

Active plans first

The Dow Chemical Company Employees' Savings Plan

401(k) with ESOPActive

Active. The plan filed its annual report for the 2025 plan year.

Plan number: 002Employer EIN 38-1285128
Participants (2025): 31,053
Net assets (2025): $11.5 billion
Recordkeeper: Fidelity2009–2025
Plan administrator: The Dow Chemical Company
Dow North America Benefits, 2211 H.H. Dow Way
Midland, MI 48674
(989) 636-3762As filed for 2025
In effect since: June 1, 1953

Year by year, 2009 to 2025

Plan year	Participants	Net assets	Recordkeeper
2025	31,053	$11.5 billion	Fidelity
2024	33,050	$10.7 billion	Fidelity
2023	33,287	$10.1 billion	Fidelity
2022	34,861	$9.3 billion	Fidelity
2021	34,607	$11.8 billion	Fidelity
2020	35,803	$11.5 billion	Fidelity
2019	37,977	$10.9 billion	Fidelity
2018	40,934	$10.8 billion	Fidelity
2017	41,761	$12.4 billion	Fidelity
2016	41,584	$11.1 billion	Fidelity
2015	37,508	$9.6 billion	Fidelity
2014	39,260	$9.7 billion	Fidelity
2013	39,611	$9.6 billion	Fidelity
2012	39,560	$8.4 billion	Fidelity
2011	40,655	$7.8 billion	Fidelity
2010	39,994	$8.3 billion	Fidelity
2009	41,250	$7.5 billion	Fidelity

Dow Employees' Pension Plan

Cash balance pensionActive

Active. The plan filed its annual report for the 2024 plan year.

Plan number: 001Employer EIN 38-1285128
Participants (2024): 31,955
Net assets (2024): $10.7 billion
Administered by: Mcube Investment TechnologiesEarlier: WTW (2015–2021), Kroll Ontrack (2014)
Plan administrator: The Dow Chemical Company
Dow North America Benefits, 2211 H.H. Dow Way
Midland, MI 48674
(989) 638-7140As filed for 2024
In effect since: June 1, 1947

Plans merged into this one: Dow Corning Corporation Employees' Retirement Plan (2016); Rohm and Haas Company Retirement Plan (2014).

Year by year, 2009 to 2024

Plan year	Participants	Net assets	Recordkeeper
2024	31,955	$10.7 billion	Mcube Investment Technologies
2023	32,244	$11.4 billion	Mcube Investment Technologies
2022	47,861	$12.9 billion	not listed
2021	52,535	$16.5 billion	WTW
2020	52,946	$15.4 billion	WTW
2019	60,342	$14.5 billion	WTW
2018	61,089	$13.0 billion	WTW
2017	61,151	$13.5 billion	WTW
2016	61,223	$12.1 billion	WTW
2015	53,099	$10.5 billion	WTW
2014	48,670	$9.5 billion	Kroll Ontrack
2013	48,586	$8.8 billion	not listed
2012	48,490	$8.0 billion	not listed
2011	47,517	$7.3 billion	not listed
2010	47,201	$7.1 billion	not listed
2009	47,223	$6.2 billion	not listed

Dow Employees' Pension Plan (Personal Pension Account)

Cash balance pensionActive

Active. The plan filed its annual report for the 2024 plan year.

Plan number: 005Employer EIN 38-1285128
Participants (2024): 11,463
Net assets (2024): $401 million
Plan administrator: The Dow Chemical Company
Dow North America Benefits, 2211 H.H Dow Way
Midland, MI 48674
(989) 638-7140As filed for 2024
In effect since: January 1, 2024

Dow Corning Corporation Employees' Retirement Plan

Pension (defined benefit)Merged

Merged. In 2016 its assets moved to the Dow Employees' Pension Plan, sponsored by The Dow Chemical Company (EIN 38-1285128, plan 001). Accounts moved with them, so that plan is the one to contact.

Plan number: 333Employer EIN 38-1285128
Participants (2015): 8,918
Net assets (2015): $1.5 billion
Administered by: WTW2016
Plan administrator: North America Retirement Programs Leader
Dow North America Benefits, 715 E Main ST
Midland, MI 48640
(989) 638-7140As filed for 2016
In effect since: April 1, 1970

Earlier sponsor: Dow Corning Corporation (2009–2015).

Year by year, 2009 to 2016

Plan year	Participants	Net assets	Recordkeeper
2016	0	$0	WTW
2015	8,918	$1.5 billion	not listed
2014	8,896	$1.6 billion	not listed
2013	8,949	$1.4 billion	not listed
2012	9,267	$1.4 billion	not listed
2011	9,157	$1.2 billion	not listed
2010	8,520	$1.1 billion	not listed
2009	8,067	$952 million	not listed

Rohm and Haas Company Retirement Plan

Pension (defined benefit)Merged

Merged. In 2014 its assets moved to the Dow Employees' Pension Plan, sponsored by The Dow Chemical Company (EIN 38-1285128, plan 001). Accounts moved with them, so that plan is the one to contact.

Plan number: 003Employer EIN 38-1285128
Participants (2013): 14,409
Net assets (2013): $1.6 billion
Administered by: WTWEarlier: Alight (2009)
Plan administrator: North America Retirement Programs Leader
Dow North America Benefits, Employee Development Center
Midland, MI 48674
(989) 638-7140As filed for 2014
In effect since: December 31, 1943

Plans merged into this one: Morton International, Inc. Pension Plan for Collectively-Bargained Employees (2011).

Year by year, 2009 to 2014

Plan year	Participants	Net assets	Recordkeeper
2014	0	$0	WTW
2013	14,409	$1.6 billion	not listed
2012	15,311	$1.6 billion	not listed
2011	15,984	$1.4 billion	not listed
2010	13,796	$1.2 billion	not listed
2009	14,538	$1.3 billion	Alight

Morton International, Inc. Pension Plan for Collectively-Bargained Employees

Pension (defined benefit), frozenMerged

Merged. In 2011 its assets moved to the Rohm & Haas Company Retirement Plan, sponsored by The Dow Chemical Company (EIN 38-1285128, plan 003). Accounts moved with them, so that plan is the one to contact.

Plan number: 004Employer EIN 38-1285128
Participants (2010): 2,491
Net assets (2010): $132 million
Last listed administrator: Alight2009
Plan administrator: Leader, North America Retirement Plans
Dow North America Benefits, Employee Development Center
Midland, MI 48674
(989) 636-9422As filed for 2011
In effect since: October 1, 1996

Year by year, 2009 to 2011

Plan year	Participants	Net assets	Recordkeeper
2011	0	$0	not listed
2010	2,491	$132 million	not listed
2009	2,556	$126 million	Alight

If you had money in one of these plans

Call Fidelity (fidelity.com), which runs the The Dow Chemical Company Employees' Savings Plan. With your Social Security number and the plan name, it can tell you whether you still have a balance and, if not, where it went.
Or call the plan administrator listed on the plan below ((989) 636-3762). That number was filed for 2025; ask for the benefits or retirement plan office.
If your plan was merged, your account moved with it. Follow the link on the plan to the plan it went into, and contact that one.
Still stuck? The Department of Labor's benefits advisers help for free: askebsa.dol.gov or 1-866-444-3272. Never pay anyone to find your own money.

What these numbers are

They come from the Form 5500 annual reports each plan files with the Department of Labor, as the plan filed them. A plan year is usually a calendar year.
Participants counts everyone in the plan at year end: current employees, former employees who still have a balance or a pension coming, and retirees or beneficiaries being paid.
The recordkeeper is the service provider whose Schedule C entry says it keeps the plan's records. Small plans do not file Schedule C, so some plans show none.
We cannot see anyone's account. Only the plan or its recordkeeper can tell you your balance.

Sources: U.S. Department of Labor, Form 5500 datasets and PBGC trusteed plans. How we read them.