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Sponsor portfolioWelfare / HealthEIN 59-2736671
HOWARD TERNES PACKAGING CO.
35275 INDUSTRIAL RD. · LIVONIA, MI 48150
3135315867
- Plans filed
- 3
- Years active
- 2016–2025
- Industry
- NAICS 56
- Latest filing
- 2025
Total premiums (latest)
$475K
No prior year
Persons covered
302
No prior year
Total participants
228
No prior year
Plans filed
3
No prior year
Plans under this sponsor
3 plans
Plan #510$475K
HOWARD TERNES PACKAGING COMPANY EMPLOYEE BENEFIT PLAN
Mixed302 covered·2 carriers
Primary: BLUE CROSS BLUE SHIELD OF MICHIGAN
Plan #509$21K
HOWARD TERNES PACKAGING COMPANY EMPLOYEE BENEFIT PLAN
Mixed83 covered·1 carrier
Primary: THE LINCOLN NATIONAL LIFE INSURANCE COMPANY
Plan #530$17K
LIFE INSURANCE PLAN FOR HOURLY EMPLOYEES
Fully insured97 covered·1 carrier
Primary: LINCOLN NATIONAL LIFE INSURANCE CO
Coverage overview
Aggregate, latest year
| Benefit type | Premium | Share | Distribution |
|---|---|---|---|
| Stop-loss | $333K | 31.9% | |
| Dental | $142K | 13.6% | |
| Vision | $142K | 13.6% | |
| Life | $142K | 13.6% | |
| Long-term disability | $142K | 13.6% | |
| Other | $142K | 13.6% |
Carrier overview
2 carriers · all plans
| Carrier | Coverage | Total premium | Share | Plans | Contracts | Covered |
|---|---|---|---|---|---|---|
EIN 382069753 | SL | $333K | 70.0% | 1 | 1 | 232 |
EIN 420127290 | DVLLTDOth | $142K | 30.0% | 1 | 1 | 302 |
Broker overview
1 broker · all plans
| Broker | Loc | Carriers | Commissions | Fees | Total comp | Share | Plans |
|---|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND | FORT WAYNE, IN | PRINCIPAL LIFE INSURANCE COMPANY | $14K | $6K | $19K | 100.0% | 1 |
History & trajectory
10 years · all plans
Total premiums
Summed across all plans for this sponsor.
Persons covered
EOY headcount summed across all plans.
Carrier mix
Premium by top carriers, summed across plans.
Broker compensation
Comp by top brokers, summed across plans.
Policy details
Latest year, by plan