Howard Ternes Packaging 401(k) match, vesting and fees
What Howard Ternes Packaging's 401(k) plan says about matching contributions
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Recordkeeper | Empower Annuity Insurance Company O | Schedule C ↗ |
| Independent auditor | Doeren Mayhew Assurance (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2024 medians for 1,836 defined-contribution plans in transportation and warehousing with 100 to 499 participants.
| Howard Ternes Packaging: employer contribution per participant | $1,535 | |
| Peer median | $1,076 |
| Howard Ternes Packaging: average balance | $115,469 | |
| Peer median | $31,804 |
| Howard Ternes Packaging: admin expenses ÷ assets | 0.14% | |
| Peer median | 0.46% |
Admin expenses are the plan's reported administrative expenses divided by its assets; they do not include fund expense ratios.
Plan history
Plan assets went from $15.7M at the end of plan year 2021 to $18.5M at the end of plan year 2024.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2024 | 160 | $18.5M | $246K | $1,535 | 0.14% | Not published | Form 5500 ↗ |
| 2023 | 234 | $17.2M | $237K | $1,311 | 0.12% | Not published | Form 5500 ↗ |
| 2022 | 164 | $15M | $216K | $1,320 | 0.20% | Not published | Form 5500 ↗ |
| 2021 | 133 | $15.7M | $52K | $403 | 0.19% | Not published | 5500-SF ↗ |
Other Howard Ternes Packaging plans (3)
Each plan files its own Form 5500. Figures are from each plan's latest filing.
Howard Ternes Packaging Company Union 401(k) Plan
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
Ternes Packaging - Indiana, Inc. 401(k) Profit Sharing Plan
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Plan type and status | 401(k) · Terminated (final filing) | Form 5500 ↗ |
Pontiac Hourly 401(k) Plan
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Plan type and status | 401(k) · Terminated (final filing) | Form 5500 ↗ |
Common questions
Does Howard Ternes Packaging match 401(k) contributions?
The match terms for the Howard Ternes Packaging Company Profit Sharing 401(k) Plan have not been published from its filing yet. The plan year 2024 filing reports $246K in employer contributions, about $1,535 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Howard Ternes Packaging 401(k) match vested?
The vesting schedule for the Howard Ternes Packaging Company Profit Sharing 401(k) Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Howard Ternes Packaging 401(k)?
The recordkeeper listed on Schedule C of the plan year 2024 filing is Empower Annuity Insurance Company O. The plan administrator is Howard Ternes Packaging Company.
I left Howard Ternes Packaging. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Howard Ternes Packaging Company, (313) 531-5867) or the recordkeeper, Empower Annuity Insurance Company O. The Howard Ternes Packaging old 401(k) page lists the contacts from every plan filing. Find an old Howard Ternes Packaging 401(k)
Data from the public Form 5500 annual reports Howard Ternes Packaging filed with the U.S. Department of Labor (plan years 2021 and 2022 and 2023 and 2024 and 2025) and, where noted, the attached independent auditor's report. Plan terms may have changed since the filing; check your current Summary Plan Description. PlanFacts is not affiliated with Howard Ternes Packaging. Not financial advice. Report a correction · Methodology