Form 5500 · Employee benefit plan · MINNEAPOLIS, MN
RYAN COMPANIES US, INC.
The filing calls this plan RYAN COMPANIES US, INC. BENEFIT PLAN.
RYAN COMPANIES US, INC. of MINNEAPOLIS, MN spreads its employee benefits across 3 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is RYAN FINANCIAL GROUP LLC. Coverage is written through UNITED OF OMAHA LIFE INSURANCE COMPANY and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 41-0882483 · plan 504 · plan year 2025, filed Jul 10, 2026
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1,865 other employer plans in Minnesota 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
Funding not settled by the filing
The filing does not report enough to settle how this plan pays for benefits.
Benefits declared on this filing
Also declared: 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 7 insured contracts covering vision, life and disability.
The filing declares vision, life, disability, health and dental. Health and dental appear with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.
Reported premium across the insured contracts is $887,562, with $100,391 in disclosed broker commissions — about 11% 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.
RYAN FINANCIAL GROUP LLC is the broker of record on all 7 contracts.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life | 349 | Jan 1, 2026 | $221,485 | $33,223 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life | 1,499 | Jan 1, 2026 | $111,964 | $16,795 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 576 | Jan 1, 2026 | $104,725 | $15,709 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 1,660 | Jan 1, 2026 | $78,961 | $11,844 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 2,876 | Jan 1, 2026 | $71,497 | $10,725 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 1,492 | Jan 1, 2026 | $186,587 | $9,329 |
| VISION SERVICE PLAN | Vision | 1,294 | Jan 1, 2026 | $112,343 | $2,766 |
Premium and claims on this contract
VISION SERVICE PLAN, contract 12106954. For the contract year on this filing, the carrier reported $112,343 in premium earned and $86,415 in claims incurred. Dividing one by the other gives 77%.
- VISION SERVICE PLAN, contract 12106954 reported $28,605 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.
Reported to OSHA
Reported to OSHA for 2025: 1,816 employees, 16 recordable cases, 0 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
How this plan compares
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Renewal calendar
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