Form 5500 · Employee benefit plan · POPLAR BLUFF, MO
STERLING BANK
The filing calls this plan STERLING BANK GROUP INSURANCE PLAN.
STERLING BANK of POPLAR BLUFF, MO spreads its employee benefits across 3 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is STERLING INSURANCE AGENCY LLC. Coverage is written through HEALTHY ALLIANCE LIFE INSURANCE COMPANY and 2 other carriers. The plan's most recent policy period ended in January.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 20-1513021 · plan 501 · plan year 2025, filed Jul 30, 2026
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How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 6 insured contracts covering health, dental, vision, life and disability; the largest, with HEALTHY ALLIANCE LIFE INSURANCE COMPANY, covers 114 people.
Reported premium across the insured contracts is $1,742,578, with $80,509 in disclosed broker commissions — about 4.6% of premium.
The health contract's policy period ended in January, while at least one ancillary line's policy period ended in March. The plan is on a split renewal cycle.
STERLING INSURANCE AGENCY LLC is the broker of record on all 6 contracts.
3 carriers appear on the filing, including HEALTHY ALLIANCE LIFE INSURANCE COMPANY, HUMANA INSURANCE COMPANY and ANTHEM LIFE INSURANCE COMPANY. HEALTHY ALLIANCE LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HEALTHY ALLIANCE LIFE INSURANCE COMPANY | Health, Dental, Vision | 114 | Feb 1, 2025 | $1,539,254 | $62,756 |
| ANTHEM LIFE INSURANCE COMPANY | Life | 158 | Feb 1, 2025 | $73,807 | $7,190 |
| HUMANA INSURANCE COMPANY | Dental | 158 | Feb 1, 2025 | $77,349 | $3,149 |
| ANTHEM LIFE INSURANCE COMPANY | Disability | 158 | Feb 1, 2025 | $17,999 | $2,838 |
| ANTHEM LIFE INSURANCE COMPANY | Life, Disability | 156 | Apr 1, 2024 | $21,502 | $2,472 |
| ANTHEM LIFE INSURANCE COMPANY | Disability | 158 | Feb 1, 2025 | $12,667 | $2,104 |
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Other plans filed by this employer
How this plan compares
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