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Sponsor portfolio

HOWARD TERNES PACKAGING COMPANY

EIN 59-2736671-packaging and containers-Latest filing 2025
Plans
4
Retirement
3
$20.1M assets
Welfare
1
$475K premiums
Participants
508
35275 INDUSTRIAL RD. - LIVONIA, MI 48150313-531-5867ternespkg.comLinkedIn501-1000 employeespackaging and containers
Plans on this EIN
4 filings
#001401k-$18.5M - 160 part#002401k-$1.5M - 98 part#004401k-$172K - 22 part#510Mixed-$475K - 302 lives

Retirement portfolio analytics

3 plans aggregated / $20.1M assets / 280 participants

Assets by plan

Share of aggregate retirement assets

92%top
  • PROFIT SHARING 401(K) (#001)92%
  • COMPANY UNION 401(K) (#002)7%
  • PONTIAC HOURLY 401(K) (#004)1%
Total $20.1MClick slice to drill in

Recordkeeper share

DC plan assets by Schedule C recordkeeper

Entrenched
92%top
  • GREAT-WEST LIFE & ANNUITY INSURANCE92%
  • (Not disclosed)8%
Total $20.1MClick slice to drill in

Participants by plan

Active + retired + deferred vested

  • PROFIT SHARING 401(K) (#001)160
  • COMPANY UNION 401(K) (#002)98
  • PONTIAC HOURLY 401(K) (#004)22
Total 280Click row to drill in

Benefits portfolio analytics

1 plan / $475K premiums / 302 covered lives

Coverage by line

Premium dollars by benefit type (bundled lines overlap)

  • Stop-loss$333K
  • Dental$142K
  • Vision$142K
  • Life$142K
  • Long-term disability$142K
  • Other$142K
Total $475K6 rows

Carrier market share

Premium dollars by Schedule A carrier

Multi-vendor
70%top
  • BLUE CROSS OF CALIFORNIA70%
  • PRINCIPAL LIFE INSURANCE COMPANY30%
Total $475K2 slices

Broker market share

Schedule A broker compensation

Single broker
100%top
  • HILB GROUP OF NEW ENGLAND100%
Total $19K1 slice

Plan deep-dives

Per-plan teasers. The full analytics (fees vs peers, audit grade, trajectory, counterparties) live on each plan detail page.
Retirement#001

HOWARD TERNES PACKAGING COMPANY PROFIT SHARING 401(K) PLAN

401k

Assets$18.5M
Participants160
Inside the deep dive
Fees vs peersAudit gradeAsset trajectoryContributionsSch C providers
Open plan deep dive
Retirement#002

HOWARD TERNES PACKAGING COMPANY UNION 401(K) PLAN

401k

Assets$1.5M
Participants98
Inside the deep dive
Fees vs peersAudit gradeAsset trajectoryContributionsSch C providers
Open plan deep dive
Retirement#004

PONTIAC HOURLY 401(K) PLAN

401k

Assets$172K
Participants22
Inside the deep dive
Fees vs peersAudit gradeAsset trajectoryContributionsSch C providers
Open plan deep dive
Welfare#510

HOWARD TERNES PACKAGING COMPANY EMPLOYEE BENEFIT PLAN

Mixed - BLUE CROSS BLUE SHIELD OF MICHIGAN

Premiums$475K
Covered lives302
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
Open plan deep dive

Retirement plans3

Plan #NameTypeAssetsParticipantsLatest year
001HOWARD TERNES PACKAGING COMPANY PROFIT SHARING 401(K) PLAN401k$18.5M1602024
002HOWARD TERNES PACKAGING COMPANY UNION 401(K) PLAN401k$1.5M982025
004PONTIAC HOURLY 401(K) PLAN401k$172K222024

Welfare plans1

Plan #NameFundingCarrierPremiumsCoveredLatest year
510HOWARD TERNES PACKAGING COMPANY EMPLOYEE BENEFIT PLANMixedBLUE CROSS BLUE SHIELD OF MICHIGAN$475K3022025
Retirement plans
Welfare plans
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