Form 5500 · Employee benefit plan · DEERFIELD BEACH, FL
RYAN INCORPORATED SOUTHERN
The filing calls this plan RYAN INCORPORATED SOUTHERN EMPLOYEE BENEFITS PLAN.
RYAN INCORPORATED SOUTHERN of DEERFIELD BEACH, FL insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is AP BENEFIT ADVSIORS LLC. Coverage is written through BLUE CROSS BLUE SHIELD OF FLORIDA and 5 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 20-2087333 · plan 501 · plan year 2025, filed Aug 5, 2026
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2,208 other employer plans in Florida 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
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
Also declared: death benefits, 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 6 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS BLUE SHIELD OF FLORIDA, covers 143 people.
Reported premium across the insured contracts is $1,979,626, with $88,368 in disclosed broker commissions — about 4.5% 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.
AP BENEFIT ADVSIORS LLC is the broker of record on 1 of the 6 contracts; the rest name a different broker or none.
6 carriers appear on the filing, including BLUE CROSS BLUE SHIELD OF FLORIDA, HEALTH OPTIONS, THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA and AFLAC. BLUE CROSS BLUE SHIELD OF FLORIDA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA | Health | 143 | Jan 1, 2026 | $1,495,125 | $51,724 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental, Vision, Disability | 198 | Jan 1, 2026 | $121,960 | $12,595 |
| HEALTH OPTIONS | Health | 21 | Jan 1, 2026 | $221,782 | $7,454 |
| AFLAC | — | 64 | Jan 1, 2026 | $80,872 | $7,003 |
| AMERICAN PUBLIC LIFE INSURANCE COMPANY | — | 74 | Jan 1, 2026 | $36,293 | $6,529 |
| USABLE LIFE | Life | 257 | Jan 1, 2026 | $23,594 | $3,063 |
Premium and claims on these contracts
BLUE CROSS BLUE SHIELD OF FLORIDA, contract A0166. For the contract year on this filing, the carrier reported $1,495,125 in premium earned and $1,191,465 in claims incurred. Dividing one by the other gives 80%.
HEALTH OPTIONS, contract A0166. For the contract year on this filing, the carrier reported $221,782 in premium earned and $177,958 in claims incurred. Dividing one by the other gives 80%.
- BLUE CROSS BLUE SHIELD OF FLORIDA, contract A0166 reported $303,660 in retention.
- HEALTH OPTIONS, contract A0166 reported $43,824 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.
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