Department of Labor filing

Dow Services,

DOW SERVICES PROFIT SHARING 401(K) PLAN · For the plan year ended Dec 31, 2025

Legal plan sponsor: DOW SERVICES, INC.

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Latest public filing 2025 · received May 7, 2026Current benefit source dated Dec 31, 2025

At a glance

The details employees usually care about

Bottom line: The employer match is one of the plan's stronger features. You own the match immediately. Reported employer money is near the middle of its peer group.

82Benefit score
from reviewed terms

44Plan health
from public filings

7/7Key terms
we could verify

See what drives the plan health score

Employer contributions versus peers27/10030% of the full model

Lower reported administrative cost9/10020% of the full model

Active-participant trend50/10010% of the full model

Net-asset trend50/10010% of the full model

Reported compliance signals100/10010% of the full model

Filing completeness100/10010% of the full model

Published only when at least four measures and half of the model weight are available. Missing information is excluded rather than scored as zero.

See what drives the benefit quality score

Maximum employer match85/10025% of the full model

Vesting100/10015% of the full model

Employee fee evidence60/10015% of the full model

Investment choices75/10015% of the full model

Eligibility timing55/10010% of the full model

Automatic enrollment100/10010% of the full model

Roth 401(k) access100/10010% of the full model

This separate score uses reviewed current terms only. It requires the employer contribution plus at least three other documented benefit measures. Missing terms are excluded, not treated as poor benefits.

Employer matchUp to 5%Strong

Dow matches 100% of the first 4% an employee contributes and 50% of the next 2%.

Check the source ↓

Value at $100,000 of pay$5,000 a year

Assumes you contribute enough to earn the full match (6% of pay). Eligibility and annual limits can change the amount.

When the money is yoursImmediately

Employee contributions, Dow contributions, and investment earnings are immediately vested.

Fees paid by employeesSee how costs are paid

The plan pays trustee administrative expenses, and investment expenses reduce fund returns.

Investment menuTarget-date funds included

Participants can choose among the plan's investment options.

When you can joinA waiting period applies

Newly hired eligible employees can enroll under the plan's enrollment process.

Automatic enrollment6% default rate

New eligible employees who do not enroll or opt out are automatically enrolled at 6% of pay.

Roth 401(k)Offered

Available. Employees may make pre-tax or Roth contributions.

Employer money vs. similar plans27th percentile

Up 0.0% over the filing history shown.

Plan health44/100

Participation up 0.0% · assets up 0.0%

How this is calculated →

What to check first: the match, vesting, waiting period and fees. Use the filing history to see how the plan has changed over time.

One limitation: public filings do not show your personal investment returns. A blank means we could not verify the answer; it does not count against the plan. Source documents for the current terms are linked below.

Personalized estimate

What could Dow Services,'s contribution mean for you?

This uses the reviewed employer formula shown on this profile—not the plan-wide Form 5500 contribution average.

Eligible annual pay

Your contribution

Estimated employer money$4,250/year

Your annual contribution: $5,100
Possible maximum: $4,250
Potentially unclaimed: $0

Contributing about 6% of eligible pay captures the documented maximum under this simplified estimate.

Vesting: Employee contributions, Dow contributions, and investment earnings are immediately vested.

Compare Dow Services, with another employer →Review the source terms ↓

Estimate only. Compensation limits, eligibility, true-ups, contribution timing, employee groups, and plan amendments can change the result. Confirm the current formula in your plan documents.

Filing comparison · 202522out of 100 among similar-size plans in the same industry when enough peers exist

How this filing compares

Reported employer contributions27th percentileTypical peer $1,300 · based on 11,610 comparable plans

Lower reported administrative expense9th percentileTypical peer $50 · based on 11,019 comparable plans

This comparison uses historical filing figures. It does not compare current match formulas, vesting, investments, or employee fees.

Peer-group method: industry size. The comparison used the most specific peer group with enough valid filings.

The short version

What employees should know

For the year ended Dec 31, 2025, DOW SERVICES, INC. reported $8,964 in employer contributions across this plan, or $472 per active participant. This is the best company-wide filing average available—not a promise of what any one employee receives.

People actively participating19

Up 0.0% across the filing years shown. The filing does not report every employee who was eligible.

Employer money over timeUp 0.0%

Change in employer contributions per active participant.

Plan costs over timeUp 0.0%

Change in reported administrative cost per participant. Fund expenses may be separate.

Peer comparison22/100

Compared with similarly sized plans in the same industry.

Money and scale

Contributions, assets, and expenses

These are plan-wide totals. They are not individual account balances.

Employer contributions: $8,964
Participant contributions: $27,596
Other contributions: Not reported
Employer share of contributions: 24.5%
Active participants: 19
Total participants: 22
Ending assets: $3,053,395
Net-asset change: Up 0.0%
Beginning net assets: $2,684,637
Ending net assets: $3,053,395
Beginning liabilities: $0
Ending liabilities: $0
Total income: $429,101
Total expenses: $60,343
Administrative expenses: $14,531
Participant loans: Not reported

Three-year filing history

How the reported figures changed

Each chart uses the selected public filing for that year. Missing values remain blank rather than becoming zero.

Employer money per active participant

2025

$472

Administrative cost per participant

2025

$661

Active participants

2025

Total plan assets

2025

$3,053,395

Participant loans as a share of assets

2025

Not reported

Detailed filing history
Plan year	Employer money per active participant	Active participants	Plan assets
2025	$472	19	3.1M

Changes in plan assets are not the same as investment performance.

Plan health

Operational signals worth checking

Participant loans as a share of plan assets: Not reported
Independent accountant’s opinion: Not stated in the filing
Late participant contributions reported: Not reportedA “yes” needs context and is not, by itself, proof of wrongdoing.
Loan defaults reported: Not reported
Lease defaults reported: Not reportedOnly a small number of filings report these events.
Nonexempt transactions reported: Not reported
Public plan identifier: 450400136-001

Reported plan details

Identity and filing status

Plan type: Retirement plan
Employer arrangement: 1
Plan effective date: Jan 1, 1994
Industry: Administrative and support services
Amended filing: No
Final filing for this plan: No
Short plan year: No
401(k) feature reported: Yes
Show DOL characteristic codes
2A2E3D2G2J2K2F2T

Company filings

Retirement-plan details in SEC filings

These are relevant passages from company filings. Open the filing for context; a passage only becomes a current plan term after we check its wording and date.

10-K · report period Dec 31, 2025QUANTA SERVICES, INC. — 10-K filed 2026-02-19 ↗

Primary source · awaiting review

Employer contributions

le U.S. employees who are not provided retirement benefits through a collective bargaining agreement may make contributions through payroll deductions and to which we make certain matching contributions. Ethics and Compliance All of our employees are subject to Quanta’s Code of Conduct, which addresses compliance with applicable laws and Quanta’s policies concerning, among other things, general business ethics, competition, anti-corruption and bribery, environmental protection, conflicts of interest, harassment and discrimination, data security and privacy, and insider trading. Quanta’s Code of Conduct also informs employees and third parties (such as suppliers, subcontractors and members of the public) about the resources and confidential reporting mechanisms available to detect, prevent

Vesting

law. Quanta may also make discretionary employer contributions to such plan. Matching contributions vest immediately, and discretionary employer contributions may be subject to a vesting schedule determined at the time of the contribution, provided that vesting accelerates upon a change in control or the participant’s death or retirement. All matching and discretionary employer contributions, whether vested or not, are forfeited upon a participant’s termination of employment for cause or upon the participant engaging in competition with Quanta or any of its affiliates. As of December 31, 2025 and 2024, the liability related to deferred cash compensation under these plans, including amounts contributed by Quanta, was $ 126.1 million and $ 110.2 million, the majority of which was included i

Fees

2 20.1 % Gross profit 4,275,081 15.0 3,510,761 14.8 764,320 21.8 % Equity in earnings of integral unconsolidated affiliates 55,635 0.2 50,484 0.2 5,151 10.2 % Selling, general and administrative expenses (2,189,209) (7.7) (1,824,754) (7.7) (364,455) 20.0 % Amortization of intangible assets (498,795) (1.7) (382,959) (1.6) (115,836) 30.2 % Increase in fair value of contingent consideration liabilities (31,203) (0.1) (7,064) — (24,139) 341.7 % Operating income 1,611,509 5.7 1,346,468 5.7 265,041 19.7 % Interest and other financing expenses (261,445) (1.0) (202,687) (0.9) (58,758) 29.0 % Interest income 15,702 0.1 32,404 0.1 (16,702) (51.5) % Other income, net 23,739 0.1 35,845 0.2 (12,106) (33.8) % Income before income taxes 1,389,505 4.9 1,212,030 5.1 177,475 14.6 % Provision for income taxe

Verified plan terms

What dated primary sources say

Only details supported by the reviewed source appear here. We do not turn missing information into an answer.

Employer contribution: Dow matches 100% of the first 4% an employee contributes and 50% of the next 2%. Contributing 6% earns the maximum match equal to 5% of eligible pay. Eligible U.S. employees also receive an automatic company contribution equal to 4% of pay.
Eligibility: Newly hired eligible employees can enroll under the plan's enrollment process. The filing does not state one universal waiting period.
Vesting: Employee contributions, Dow contributions, and investment earnings are immediately vested.
Investment information: Participants can choose among the plan's investment options. Employees who do not choose an investment default into the BlackRock LifePath target-date fund aligned with their birth year.
Automatic enrollment: New eligible employees who do not enroll or opt out are automatically enrolled at 6% of pay. The rate increases by 1 percentage point each year until it reaches 15% unless changed.
Roth contributions: Available. Employees may make pre-tax or Roth contributions.
Participant fees: The plan pays trustee administrative expenses, and investment expenses reduce fund returns. The filing does not state one flat employee fee.

Source: Dow Employees' Savings Plan — 2025 Form 11-K ↗ · dated Dec 31, 2025

Filing evidence

Open the selected public records

We use the latest valid received filing for each year after resolving amendments and duplicate records. Open the source to check the original filing.

Filing ACK_ID20260507093511NAL0004755058001

Data sourceDOL Form 5500 bulk data ↗

Filing searchEFAST2 ↗