The DOW Chemical Company 401(k): best low-cost funds
The DOW Chemical Company Employees' Savings Plan · Plan #002 · Midland, MI
Suggested simple Boglehead mix
The public data doesn't show enough index funds from this plan to suggest a full mix. A typical Boglehead approach: look in your menu for a US total market or S&P 500 index fund, an international index fund, and a US bond index fund, all with expense ratios under about 0.10%. Or use one low-cost target-date index fund. How the 3-fund portfolio works.
Know this plan's fund menu? Submit it and we'll add a fund-by-fund pick list.
Pooled funds named in the filing (Schedule D)
These are collective trusts and similar pooled funds the plan reported holding. Names that look like index funds are tagged index by keyword, so check them yourself. Mutual funds are not listed by name in the free data.
| Fund | Manager | Type | Plan's holding |
|---|---|---|---|
| Equity Index Fund index | Blackrock Institutional Trust Company, NA | Common/collective trust | $2.1B |
| Fidelity Contrafund Commingled Pool | Fidelity Management Trust Company | Common/collective trust | $1.3B |
| Lifepath Index Retirement Fund index | Blackrock Institutional Trust Company, NA | Common/collective trust | $515.1M |
| Extended Equity Market Fund | Blackrock Institutional Trust Company, NA | Common/collective trust | $410.1M |
| Lifepath Index 2030 Fund index | Blackrock Institutional Trust Company, NA | Common/collective trust | $402.8M |
| Lifepath Index 2035 Fund index | Blackrock Institutional Trust Company, NA | Common/collective trust | $392.5M |
| Lifepath Index 2045 Fund index | Blackrock Institutional Trust Company, NA | Common/collective trust | $360.3M |
| Lifepath Index 2040 Fund index | Blackrock Institutional Trust Company, NA | Common/collective trust | $354.3M |
| FH MDT MID CAP Growth Fund | Great Gray Trust Company, LLC | Common/collective trust | $326.3M |
| Lifepath Index 2050 Fund index | Blackrock Institutional Trust Company, NA | Common/collective trust | $315.0M |
| Lifepath Index 2055 Fund index | Blackrock Institutional Trust Company, NA | Common/collective trust | $308.9M |
| Small CAP Index Fund index | Blackrock Institutional Trust Company, NA | Common/collective trust | $298.7M |
| Active Global ACW EQ | Jpmorgan Chase Bank, N.a. | Common/collective trust | $241.0M |
| Invesco Government Liquidity Trust | Invesco Trust Company | Common/collective trust | $156.0M |
| SS Gaceq Exus IDX II | State Street Global Advisors Trust Company | Common/collective trust | $153.9M |
| BBH Core Plus FX INC | Brown Brothers Harriman Institutional Trust Company Of NEW York LLC | Common/collective trust | $144.1M |
| U.s. Debt Index Fund index | Blackrock Institutional Trust Company, NA | Common/collective trust | $131.0M |
| Lifepath Index 2060 Fund index | Blackrock Institutional Trust Company, NA | Common/collective trust | $108.1M |
| SS Ermg Markts IDX II | State Street Global Advisors Trust Company | Common/collective trust | $85.3M |
| MFS Hertiage US Reit | MFS Hertiage Trust Company | Common/collective trust | $54.8M |
| Franklin US Tips | Great Gray Trust Company, LLC | Common/collective trust | $49.5M |
| Lifepath Index 2065 Fund index | Blackrock Institutional Trust Company, NA | Common/collective trust | $32.5M |
| MKS Convertible | SEI Trust Company | Common/collective trust | $28.8M |
| Diverse Commodity | Eaton Vance Trust Company | Common/collective trust | $16.5M |
| Lifepath Index 2070 Fund index | Blackrock Institutional Trust Company, NA | Common/collective trust | $2.0M |
| Putnam Large CAP Value Fund | Putnam Fiduciary Trust Company, LLC (pftc) | Common/collective trust | $70,724 |
| Lifepath Index 2025 Fund index | Blackrock Institutional Trust Company, NA | Common/collective trust | $0 |
| Midcap Growth Equity Fund | Blackrock Institutional Trust Company, NA | Common/collective trust | $0 |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $552.8M | 5.1% |
| Common/collective trusts | $8.4B | 77.8% |
| Employer securities (company stock) | $499.6M | 4.6% |
| Participant loans | $106.3M | 1.0% |
| Other investments | $1.2B | 10.9% |
Fees paid from plan assets
| Contract administrator fees | $23,225 |
| Investment advisory & management fees | $1.1M |
| Other administrative fees | $46,289 |
| Total administrative expenses | $1.5M |
Reported administrative expenses were about 0.014% of average plan assets, or about $46 per participant with a balance. This usually excludes fund expense ratios netted inside mutual funds and trusts.
Source: DOL EFAST2 Form 5500 & Schedules H/D, filing ID 20250613111032NAL0015630275001. EIN 381285128.