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Sponsor portfolioWelfare / HealthEIN 41-1655119
STEARNS FINANCIAL SERVICES, INC.
4191 2ND ST. S · SAINT CLOUD, MN 56301
3202584829
- Plans filed
- 5
- Years active
- 2015–2025
- Industry
- NAICS 52
- Latest filing
- 2025
Total premiums (latest)
$8.5M
No prior year
Persons covered
986
No prior year
Total participants
483
No prior year
Plans filed
5
No prior year
Plans under this sponsor
5 plans
Plan #511$8.5M
STEARNS FINANCIAL SERVICES, INC. HEALTH & WELFARE BENEFIT PLAN
Mixed986 covered·3 carriers
Primary: MEDICA INSURANCE COMPANY
Plan #501$5.8M
STEARNS BANK NA HEALTH PLAN
Fully insured1,027 covered·2 carriers
Primary: MEDICA INSURANCE COMPANY
Plan #503$97K
STEARNS FINANCIAL SERVICES, INC.
Mixed556 covered·1 carrier
Primary: UNITED OF OMAHA LIFE INSURANCE COMPANY
Plan #504$0
STEARNS FINANCIAL SERVICES, INC. DENTAL PLAN
Self-funded0 covered·0 carriers
Plan #510$0
STEARNS FINANCIAL SERVICES, INC. HEALTH FSA
Self-funded0 covered·0 carriers
Coverage overview
Aggregate, latest year
| Benefit type | Premium | Share | Distribution |
|---|---|---|---|
| Health | $8.1M | 87.2% | |
| Other | $337K | 3.6% | |
| Vision | $285K | 3.1% | |
| Life | $285K | 3.1% | |
| Long-term disability | $285K | 3.1% |
Carrier overview
3 carriers · all plans
| Carrier | Coverage | Total premium | Share | Plans | Contracts | Covered |
|---|---|---|---|---|---|---|
EIN 411490988 | H | $8.1M | 96.0% | 1 | 1 | 986 |
EIN 470322111 | VLLTDOth | $285K | 3.4% | 1 | 1 | 469 |
EIN 451542956 | Oth | $53K | 0.6% | 1 | 1 | 464 |
Broker overview
2 brokers · all plans
| Broker | Loc | Carriers | Commissions | Fees | Total comp | Share | Plans |
|---|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC | MINNEAPOLIS, MN | FIRST STOP HEALTH, UNITED OF OMAHA LIFE INSURANCE COMPANY, MEDICA INSURANCE COMPANY | $206K | $19K | $225K | 94.1% | 1 |
| BENEUSA LLC | EXCELSIOR, MN | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $14K | $14K | 5.9% | 1 |
History & trajectory
11 years · all plans
Total premiums
Summed across all plans for this sponsor.
Persons covered
EOY headcount summed across all plans.
Carrier mix
Premium by top carriers, summed across plans.
Broker compensation
Comp by top brokers, summed across plans.
Policy details
Latest year, by plan