Welfare broker

JOHN R. RYAN JR.

Mailing address (most recent filing)

302 E. HOWARD STREET #2

HIBBING, MN 55746

Total comp: $24K
Commissions: $24K
Fees: $0
Filings: 3
Sponsors: 3

Carrier mix

Where JOHN R. RYAN JR. places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA66.7%
CONNECTICUT GENERAL LIFE INSURANCE COMPANY33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	2	$353K	66.7%
CONNECTICUT GENERAL LIFE INSURANCE COMPANY	1	$0	33.3%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
MN	3	$353K	0.1%	50.15x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of JOHN R. RYAN JR.'s plans by broker comp / premium ratio. Median 6.98% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of JOHN R. RYAN JR.'s book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-3 of 3 sponsors where JOHN R. RYAN JR. is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
IRACORE INTERNATIONAL, LLC IRACORE INTERNATIONAL, LLC HEALTH AND WELFARE PLAN	MN	$176K	$13K	GUARDIAN
IRACORE INTERNATIONAL, LLC IRACORE INTERNATIONAL, LLC LIFE PLAN	MN	$177K	$12K	GUARDIAN
RYAN COMPANIES US, INC. RYAN COMPANIES US, INC. RETIREMENT PLAN	MN	$0	$0	CONNECTICUT GENERAL LIFE INSURANCE

Carrier

Plans

Premium

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

$353K

66.7%

CONNECTICUT GENERAL LIFE INSURANCE COMPANY

33.3%

State

Plans

Premium

State share

Index

$353K

0.1%

50.15x

Sponsor

Loc

Premium

Comp

Carrier

IRACORE INTERNATIONAL, LLC

IRACORE INTERNATIONAL, LLC HEALTH AND WELFARE PLAN

$176K

$13K

GUARDIAN

IRACORE INTERNATIONAL, LLC

IRACORE INTERNATIONAL, LLC LIFE PLAN

$177K

$12K

GUARDIAN

RYAN COMPANIES US, INC.

RYAN COMPANIES US, INC. RETIREMENT PLAN

CONNECTICUT GENERAL LIFE INSURANCE