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Sponsor portfolioTH

STEARNS FINANCIAL SERVICES, INC.

EIN 41-1655119-Latest filing 2025
Plans
3
Retirement
2
$180.6M assets
Welfare
1
$8.5M premiums
Participants
1,551
4191 2ND ST. S - SAINT CLOUD, MN 56301320-258-4829
Plans on this EIN
3 filings
#001ESOP-$143.5M - 528 part#002401k-$37.2M - 540 part#511Mixed-$8.5M - 986 lives

Retirement portfolio analytics

2 plans aggregated / $180.6M assets / 1,068 participants

Assets by plan

Share of aggregate retirement assets

79%top
  • PLAN AND TRUST (#001)79%
  • PLAN AND TRUST (#002)21%
Total $180.6MClick slice to drill in

Participants by plan

Active + retired + deferred vested

  • PLAN AND TRUST (#002)540
  • PLAN AND TRUST (#001)528
Total 1,068Click row to drill in

Benefits portfolio analytics

1 plan / $8.5M premiums / 986 covered lives

Coverage by line

Premium dollars by benefit type (bundled lines overlap)

  • Health$8.1M
  • Other$337K
  • Vision$285K
  • Life$285K
  • Long-term disability$285K
Total $8.5M5 rows

Carrier market share

Premium dollars by Schedule A carrier

Multi-vendor
96%top
  • MEDICA INSURANCE COMPANY96%
  • UNITED OF OMAHA LIFE INSURANCE COMPANY3%
  • FIRST STOP HEALTH1%
Total $8.5M3 slices

Broker market share

Schedule A broker compensation

Split broker
94%top
  • MARSH & MCLENNAN AGENCY LLC94%
  • BENEUSA LLC6%
Total $239K2 slices

Plan deep-dives

Per-plan teasers. The full analytics (fees vs peers, audit grade, trajectory, counterparties) live on each plan detail page.
Retirement#001

STEARNS FINANCIAL SERVICES, INC. EMPLOYEE STOCK OWNERSHIP PLAN AND TRUST

ESOP

Assets$143.5M
Participants528
Inside the deep dive
Fees vs peersAudit gradeAsset trajectoryContributionsSch C providers
Open plan deep dive
Retirement#002

STEARNS FINANCIAL SERVICES, INC. 401(K) PLAN AND TRUST

401k

Assets$37.2M
Participants540
Inside the deep dive
Fees vs peersAudit gradeAsset trajectoryContributionsSch C providers
Open plan deep dive
Welfare#511

STEARNS FINANCIAL SERVICES, INC. HEALTH & WELFARE BENEFIT PLAN

Mixed - MEDICA INSURANCE COMPANY

Premiums$8.5M
Covered lives986
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
Open plan deep dive

Retirement plans2

Plan #NameTypeAssetsParticipantsLatest year
001STEARNS FINANCIAL SERVICES, INC. EMPLOYEE STOCK OWNERSHIP PLAN AND TRUSTESOP$143.5M5282024
002STEARNS FINANCIAL SERVICES, INC. 401(K) PLAN AND TRUST401k$37.2M5402024

Welfare plans1

Plan #NameFundingCarrierPremiumsCoveredLatest year
511STEARNS FINANCIAL SERVICES, INC. HEALTH & WELFARE BENEFIT PLANMixedMEDICA INSURANCE COMPANY$8.5M9862025
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