Transcend Employee Benefits

About

RAM Benefits

Since 1979, RAM Benefits has worked with employers to build and maintain the best Employee Benefits plans for your company and the employees to meet their goals and objectives. RAM stands for Risk Analysis and Management (RAM), and our purpose is to create value.

Our client relationships fund and fuel our mission to assist in protecting and maximizing assets, resources and opportunities. As the insurance industry evolves and technology advances, our firm’s business strategy remains the same:

RAM Benefits is committed to helping our clients feel secure and supported in their aspirations for the future.

Team

Scott S. Haskins

President

scott@rambenefits.com

(952) 908-2690

Mr. Haskins has over 28 years of Employee Benefits Consulting, Business Insurance Consulting, Risk Management and Loss-Control Experience.

David Liske

Vice President

dave@rambenefits.com

(952) 908-2685

Dave has worked as an Employee Benefits Consultant for over seven years and has over twenty years of consulting experience within the financial services industry.

Angela M. Lendway

Account Manager

angela@rambenefits.com

(952) 908-2686

Since joining RAM Benefits about 6 years ago as an account manager and a licensed insurance agent (life and health lines) Angela has built loyal lasting relationships with our medium and large business customers.

Kristie Spalding

Account Manager

kristie@rambenefits.com

(952) 908-2695

Ms. Spalding has over 16 years of experience in the insurance industry and is a licensed insurance agent. She works with small, medium and large clients to implement and administer their employee benefit programs.

Tricia Schultz

Account Manager

tricia@rambenefits.com

(952) 908-2688

Ms. Schultz joined RAM Benefits March of 2020, is a licensed insurance agent and has over 15 years of experience in the insurance industry.

Sadie Koltes

Employee Benefits Advisor

sadie@rambenefits.com

(952) 908 – 2691

After receiving her Business Management and Data Analytics degree at the University of St. Thomas, Sadie joined RAM Benefits in April. As a licensed insurance agent, she believes in the equal importance of maintaining and creating relationships.

Our Services

Our Purpose is to Create Value

Our client relationships fund and fuel our mission to assist in protecting and maximizing assets, resources and opportunities. As the insurance industry evolves and technology advances, our firm’s business strategy remains the same: RAM Benefits is committed to helping our clients feel secure and supported in their aspirations for the future.

Strategy & Program Design

Health plans designed based on data.

Health Plan Data Analytics

Proactively identify risks.

Financial Underwriting

Identify plan performance to make financial changes.

Pharmacy & PBM Analysis

Our expertise saves clients millions of dollars annually.

Employee Communication

Ensure your employees understand and appreciate the total compensation package.

Vendor Management

Our relationships with carriers allows us to negotiate through buying power.

Compliance

Timely updates, insights, and reminders.

Benefits Admin Technology

An extension of your HR through onboarding, OE, and beyond.

Population Health & Wellness

Analyze population health trends to help companies make an impact on employer cost and health.

Strategy & Program Design

Health plans designed based on data.

Health Plan Data Analytics

Proactively identify risks.

Financial Underwriting

Identify plan performance to make financial changes.

Pharmacy & PBM Analysis

Our expertise saves clients millions of dollars annually.

Employee Communication

Ensure your employees understand and appreciate the total compensation package.

Vendor Management

Our relationships with carriers allows us to negotiate through buying power.

Compliance

Timely updates, insights, and reminders.

Benefits Admin Technology

An extension of your HR through onboarding, OE, and beyond.

Population Health & Wellness

Analyze population health trends to help companies make an impact on employer cost and health.

Our Blog

Insight and News

The Pay or Play Percentage Increase for 2025 Thumbnail

The Pay or Play Percentage Increase for 2025

The Affordable Care Act (ACA) requires large employers to offer affordable health insurance coverage to their full-time employees or face a penalty known as the “Pay or Play” tax. This tax is based on the employer’s average monthly wage (AMW) and the number of full-time employees.  The affordability rate for employer-sponsored health coverage will increase from 8.39% to […]

Read more about “The Pay or Play Percentage Increase for 2025”
Compliance Recap | Sept. 2024 Thumbnail

Compliance Recap | Sept. 2024

SUMMARY ANNUAL REPORT DUE The Summary Annual Report (SAR) is a disclosure requirement under ERISA. The SAR acts as a narrative of the Form 5500 for employee benefit plans. It includes financial statements, funding requirements, and participants’ rights. The SAR must be provided to participants and enrolled beneficiaries within nine months after the end of the plan […]

Read more about “Compliance Recap | Sept. 2024”
Bridging the Generational Divide: Leveraging Technology for Effective Communication Thumbnail

Bridging the Generational Divide: Leveraging Technology for Effective Communication

In today’s diverse workplaces, effective communication across generations is essential for fostering collaboration, productivity, and a positive work environment. Understanding the unique communication preferences of each generation can help bridge the gap and create a more inclusive and harmonious workplace. Technology can play a crucial role in bridging the generational gap and facilitating seamless communication. […]

Read more about “Bridging the Generational Divide: Leveraging Technology for Effective Communication”

Our Contact

Get In Touch

At RAM Benefits, we love what we do! Choosing RAM Benefits as your insurance partner results in better service at a lower cost. Contact us today to learn more about how we can help your company succeed.