Ryan Companies US, Inc.

Minneapolis, MN ConstructionNAICS 236200

Self-funded health planPlan year 2025Renews January
1,754Participants-4% vs. prior year
$4.2MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#6 of 13Construction in MNBy participants

Overview

Ryan Companies US, Inc. sponsors a self-funded health plan that covered 1,754 participants in plan year 2025, down 4% from the prior year. The plan year starts in January. Alongside medical, its benefits filing reports life insurance, dental, vision, long-term disability.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
1,754 · prior year 1,820
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Ryan Companies US, Inc. Benefit Plan, plan 504 (1,754 participants)
Broker compensation
$100K across insured contracts
MedicalLife insuranceDentalVisionLong-term disabilityOther welfare benefits

Insurance carriers

Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.

CarrierCoverageCoveredPremiumBroker comp
United of Omaha Life Insurance CompanyLife, Long-term disability1,499$520K$59K
The Lincoln National Life Insurance CompanyLong-term disability, Life2,876$255K$38K
Vision Service PlanVision1,294$112K$3K

Pharmacy benefit estimate

StreamRX estimate for a plan this size. Not based on this plan's claims.

$4.2M/ year

Estimated prescription spend: 1,754 participants × $2,371 national average per member. Usually higher once dependents are counted.

$108K–$267K/ year

Typical savings opportunity found in independent reviews of plans this size.

Brands with a generic available$32K–$79K
Lower-cost therapeutic alternatives$46K–$96K
Generic pricing vs. actual cost$20K–$60K
PBM contract terms$10K–$31K
The DOL's PBM fee disclosure rule first applies to this plan for the plan year beginning January 2028: semiannual PBM compensation reports and an annual audit right.

Form 5500 filing details

Filing
Form 5500 with Schedule A, plan year 2025
Plan sponsor
Ryan Companies US, Inc.
Sponsor EIN
41-0882483
Plan number
504
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 41-0882483 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Ryan Companies US, Inc. Retirement Plan
Type
401(k) plan
Participants
1,964

About this data

Source: Ryan Companies US, Inc.'s Form 5500 filing for plan year 2025 and its Schedule A insurance reports, published by the U.S. Department of Labor. "Self-funded" means the filing reports benefits paid from employer assets or a trust, with no medical insurance contract or with a stop-loss contract. Pharmacy figures are StreamRX estimates based on national averages. StreamRX is not affiliated with Ryan Companies US, Inc..

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