Form 5500 · Employee benefit plan · INDEPENDENCE, OH
STERLING INFOSYSTEMS, INC.
The filing calls this plan STERLING INFOSYSTEMS, INC. MEDICAL, DENTAL, VISION, LIFE AND DISABILITY PLAN.
STERLING INFOSYSTEMS, INC. of INDEPENDENCE, OH insures health, dental, vision, life, disability and stop-loss coverage for its employees, per Schedule A of its Form 5500. Its broker of record is MARSH & MCLENNAN AGENCY LLC. Coverage is written through AETNA LIFE INSURANCE COMPANY and 4 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 11-2845313 · plan 501 · plan year 2024, filed Jul 11, 2025
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2,504 other employer plans in Ohio have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
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.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
Also declared: death benefits, other welfare.
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, disability and stop-loss; the largest, with AETNA LIFE INSURANCE COMPANY, covers 634 people.
The filing lists a stop-loss contract. On its own that does not settle whether the plan pays its own claims.
Reported premium across the insured contracts is $2,726,669, with $13,355 in disclosed broker commissions — about 0.5% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
MARSH & MCLENNAN AGENCY LLC is the broker of record on 2 of the 6 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY | Health | 518 | Jan 1, 2025 | $105,756 | $13,355 |
| AETNA LIFE INSURANCE COMPANY | Stop-loss | 634 | Jan 1, 2025 | $1,496,425 | $0 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 862 | Jan 1, 2025 | $587,789 | $0 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental | 633 | Jan 1, 2025 | $447,675 | $0 |
| VISION SERVICE PLAN | Vision | 561 | Jan 1, 2025 | $65,792 | $0 |
| HMSA/BCBS OF HAWAII | Health | 1 | Jan 1, 2025 | $23,232 | $0 |
Premium and claims on this contract
VISION SERVICE PLAN, contract 30025337. For the contract year on this filing, the carrier reported $65,792 in premium earned and $52,768 in claims incurred. Dividing one by the other gives 80%.
- VISION SERVICE PLAN, contract 30025337 reported $11,185 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
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
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