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Sterling Administration is a woman and minority-owned administrator offering HSAs, HRAs, FSAs, POPs, and COBRA. Additionally, Sterling Administration offers expert compliance services for ERISA Wrap, Form 5500 Filing, Non-Discrimination Testing, and requirements under the Patient Protection Affordable Care Act.  We have a user-friendly online platform and mobile app for our account holders to perform common tasks for their HSAs, FSAs, and HRAs, very easily and quickly. We also offer an online benefits enrollment platform in English and Spanish.

Our headquarters are in Oakland, California, a racially diverse urban community. We embrace diversity and celebrate with team monthly lunches featuring ethnic food from as many cultures we can. We are best known for our top-notch service and our in-depth product knowledge. Sterling Administration has been offering HSAs since their inception; we are genuinely industry experts.

We seek contracts for Health Savings Accounts (HSAs), Flexible Spending Accounts (FSA) and COBRA Administration in We serve clients nationwide.

Sterling believes in giving back to the community and regularly donates to local area food banks.

Core Competencies

  • Health Savings Accounts
  • Health Reimbursement Arrangements
  • Flexible Spending Accounts and Commuter Benefits
  • Premium Only Plans
  • Compliance Services for ERISA Wrap, Form 5500 Filing, Non-Discrimination Testing and requirements under ACA
  • Online Benefits Enrollment Platform in English and Spanish 


Employee benefits as a whole, like many industries, have historically been very paper-driven. Sterling is a true innovator offering an online paperless platform for our brokers, employers and our accountholders. We have a free mobile app for Apple and Android where our accountholders can perform frequent tasks for their accounts with their smartphones.

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Named a Top Woman-Owned Business in the San Francisco Bay Area in 2018 by the San Francisco Business Times

Named a Top Woman-Owned Business in the East Bay in 2018 by the San Francisco Business Times.