The Dow Chemical Company 401(k) Plan: Login, Facts & Contact Information

The Dow Chemical Company 401(k) Plan Facts

Plan name
THE DOW CHEMICAL COMPANY EMPLOYEES' SAVINGS PLAN
Plan type
401(k) with employer contributions and profit sharing with a company-stock (ESOP) component
Plan sponsor
THE DOW CHEMICAL COMPANY
Participants
33,287 (17,215 active employees)
Former employees with a balance
13,321
Plan assets
$10,768,606,712 at Dec 31, 2024
Average account balance
$326,163 across 33,016 accounts
Employer contributions
$228,803,172 in plan year 2024 (44% of all contributions)
Recordkeeper
Fidelity Investments Inst. Op. Co.
Plan year
Jan 1, 2024 – Dec 31, 2024
Plan established
Jun 1, 1953
✓ Employer contributions✓ Automatic enrollment✓ Default investment for undecided participants✓ Participants choose their own investments— Self-directed brokerage window✓ Profit sharing✓ Company stock (ESOP)

Source: Form 5500 for plan year 2024 (Jan 1, 2024 – Dec 31, 2024), filed Jun 13, 2025. Public filing with the U.S. Department of Labor.

Money in and out in plan year 2024

  • $516.5 million went into the plan in contributions, $228.8 million of it from the employer (44%).
  • $1.06 billion was paid out to participants.
  • Investment and other income added $1.22 billion.
  • Administrative expenses were $1.50 million, about $46 per account.

How the The Dow Chemical Company 401(k) changed, 2019–2024

Plan yearParticipantsPlan assetsEmployer contributionsBenefits paid
201940,934$10.9 billion$4.07 million$1.73 billion
202037,977$11.5 billion$2.58 million$1.06 billion
202135,803$15.4 billion$7.57 million$1.32 billion
202234,607$9.31 billion$95.1 million$958.2 million
202334,861$10.1 billion$122.2 million$1.18 billion
202433,287$10.8 billion$228.8 million$1.06 billion

The Dow Chemical Company 401(k) Contact Information

Phone
989-636-3762
Mailing address
2211 H.H. DOW WAY, MIDLAND MI 48674
Plan sponsor
THE DOW CHEMICAL COMPANY
Employer identification number (EIN)
38-1285128
Plan number
002

Questions about the The Dow Chemical Company 401(k)

Does The Dow Chemical Company contribute to the 401(k)?

Yes. The plan reports an employer contribution arrangement. In plan year 2024 the employer contributed $228.8 million, 44% of all contributions.

Does the The Dow Chemical Company 401(k) have automatic enrollment?

Yes. The plan reports automatic enrollment of eligible employees.

How many people are in the The Dow Chemical Company 401(k) plan?

33,287 participants at the start of plan year 2024, 17,215 of them active employees, and 13,321 former employees who still had money in the plan.

What is the average 401(k) balance at The Dow Chemical Company?

About $326,163 per account: $10.8 billion in plan assets across 33,016 accounts with a balance at the end of plan year 2024.

Who manages the The Dow Chemical Company 401(k) accounts?

Fidelity NetBenefits (listed on the filing as FIDELITY INVESTMENTS INST. OP. CO.) is the plan's recordkeeper, which is where participants log in to see their balance.

I no longer work at The Dow Chemical Company. How do I access my 401(k)?

Your account stays with Fidelity NetBenefits after you leave, so you can log in with the same credentials. If your balance was small, the plan may have rolled it into an IRA in your name. If you can't find it, Beagle can locate it for you.

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