Howard Ternes Packaging Co 401(k) Plan: Login, Facts & Contact Information

Howard Ternes Packaging Co 401(k) Plan Facts

Plan name
HOWARD TERNES PACKAGING COMPANY UNION 401(K) PLAN
Plan type
401(k) with employer contributions and profit sharing
Plan sponsor
HOWARD TERNES PACKAGING COMPANY
Participants
106 (86 active employees)
Plan assets
$1,417,971 at Dec 31, 2024
Average account balance
$14,926 across 95 accounts
Employer contributions
$22,864 in plan year 2024 (11% of all contributions)
Plan year
Jan 1, 2024 – Dec 31, 2024
Plan established
Mar 1, 2009
✓ 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-SF for plan year 2024 (Jan 1, 2024 – Dec 31, 2024), filed Oct 14, 2025. Public filing with the U.S. Department of Labor.

Money in and out in plan year 2024

  • $211,000 went into the plan in contributions, $22,864 of it from the employer (11%).
  • $103,401 was paid out to participants.
  • Investment and other income added $127,000.

How the Howard Ternes Packaging Co 401(k) changed, 2019–2024

Plan yearParticipantsPlan assetsEmployer contributionsBenefits paid
2019101$880,927$19,686$91,133
202091$1.06 million$22,159$90,832
202197$1.13 million$26,064$235,345
2022106$1.02 million$24,284$117,411
2023105$1.19 million$22,886$207,827
2024106$1.42 million$22,864$103,401

Howard Ternes Packaging Co 401(k) Contact Information

Phone
734-793-4130
Mailing address
35275 INDUSTRIAL RD., LIVONIA MI 48150
Plan sponsor
HOWARD TERNES PACKAGING COMPANY
Employer identification number (EIN)
59-2736671
Plan number
002

Questions about the Howard Ternes Packaging Co 401(k)

Does Howard Ternes Packaging Co contribute to the 401(k)?

Yes. The plan reports an employer contribution arrangement. In plan year 2024 the employer contributed $22,864, 11% of all contributions.

Does the Howard Ternes Packaging Co 401(k) have automatic enrollment?

Yes. The plan reports automatic enrollment of eligible employees.

How many people are in the Howard Ternes Packaging Co 401(k) plan?

106 participants at the start of plan year 2024, 86 of them active employees.

What is the average 401(k) balance at Howard Ternes Packaging Co?

About $14,926 per account: $1.42 million in plan assets across 95 accounts with a balance at the end of plan year 2024.

Who manages the Howard Ternes Packaging Co 401(k) accounts?

Empower is the plan's recordkeeper, which is where participants log in to see their balance.

I no longer work at Howard Ternes Packaging Co. How do I access my 401(k)?

Your account stays with Empower 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.

Related Companies
Headquarter: 755 WACO DRIVE, SANDERSVILLE, GA, 31082
Headquarter: 2475 GEORGE URBAN BLVD SUITE 120, DEPEW, NY, 14043
Headquarter: SUITE 700 100 FIRST STAMFORD PLACE, STAMFORD, CT, 069029200
Headquarter: 630 PLAZA DRIVE SUITE 200, HIGHLANDS RANCH, CO, 801292379
Headquarter: 911 PANORAMA TRAIL SOUTH, ROCHESTER, NY, 14625