Sterling Management, Ltd. 401(k) Plan: Login, Facts & Contact Information

Sterling Management, Ltd. 401(k) Plan Facts

Plan name
STERLING MANAGEMENT, LTD. 401(K) PLAN
Plan type
401(k) with employer contributions and profit sharing
Plan sponsor
STERLING MANAGEMENT, LTD.
Participants
439 (333 active employees)
Former employees with a balance
95
Plan assets
$18,260,573 at Dec 31, 2024
Average account balance
$44,430 across 411 accounts
Employer contributions
$383,056 in plan year 2024 (19% of all contributions)
Recordkeeper
John Hancock Life Insurance Company
Plan year
Jan 1, 2024 – Dec 31, 2024
Plan established
Oct 1, 1985
✓ Employer contributions— Automatic enrollment✓ Default investment for undecided participants✓ Participants choose their own investments— Self-directed brokerage window✓ Profit sharing— Company stock (ESOP)

Source: Form 5500 for plan year 2024 (Jan 1, 2024 – Dec 31, 2024), filed Oct 15, 2025. Public filing with the U.S. Department of Labor.

Money in and out in plan year 2024

  • $2.07 million went into the plan in contributions, $383,056 of it from the employer (19%).
  • $2.63 million was paid out to participants.
  • Investment and other income added $2.85 million.
  • Administrative expenses were $108,677, about $264 per account.

How the Sterling Management, Ltd. 401(k) changed, 2019–2024

Plan yearParticipantsPlan assetsEmployer contributionsBenefits paid
2019289$9.16 million$187,909$688,563
2020329$11.9 million$217,060$461,027
2021332$13.8 million$260,419$1.30 million
2022403$12.1 million$298,724$583,479
2023441$16.1 million$347,967$651,597
2024439$18.3 million$383,056$2.63 million

Sterling Management, Ltd. 401(k) Contact Information

Phone
574-247-3270
Mailing address
3900 EDISON LAKES PARKWAY SUITE 201, MISHAWAKA IN 46545
Plan sponsor
STERLING MANAGEMENT, LTD.
Employer identification number (EIN)
35-1494125
Plan number
001

Questions about the Sterling Management, Ltd. 401(k)

Does Sterling Management, Ltd contribute to the 401(k)?

Yes. The plan reports an employer contribution arrangement. In plan year 2024 the employer contributed $383,056, 19% of all contributions.

Does the Sterling Management, Ltd 401(k) have automatic enrollment?

No. The plan does not report automatic enrollment; employees enroll themselves.

How many people are in the Sterling Management, Ltd 401(k) plan?

439 participants at the start of plan year 2024, 333 of them active employees, and 95 former employees who still had money in the plan.

What is the average 401(k) balance at Sterling Management, Ltd?

About $44,430 per account: $18.3 million in plan assets across 411 accounts with a balance at the end of plan year 2024.

Who manages the Sterling Management, Ltd 401(k) accounts?

John Hancock (listed on the filing as JOHN HANCOCK LIFE INSURANCE COMPANY) is the plan's recordkeeper, which is where participants log in to see their balance.

I no longer work at Sterling Management, Ltd. How do I access my 401(k)?

Your account stays with John Hancock after you leave, so you can log in with the same credentials. If your balance was small, the plan may have rolled it into an IRA in your name. If you can't find it, Beagle can locate it for you.

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