Welfare broker

RYAN FINANCIAL GROUP LLC

Mailing address (most recent filing)

PO BOX 653

HIBBING, MN 557460653

Total comp: $224K
Commissions: $224K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

Where RYAN FINANCIAL GROUP LLC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

THE LINCOLN NATIONAL LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
THE LINCOLN NATIONAL LIFE INSURANCE COMPANY	1	$839K	100.0%

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	1	$839K	0.0%	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 RYAN FINANCIAL GROUP LLC's plans by broker comp / premium ratio. Median 13.46% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of RYAN FINANCIAL GROUP LLC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where RYAN FINANCIAL GROUP LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
RYAN COMPANIES US, INC. RYAN COMPANIES US, INC. BENEFIT PLAN	MN	$839K	$113K	THE LINCOLN NATIONAL LIFE INSURANCE COMPANY