Georgia › Transportation and warehousing › 25,000 or more participants
Form 5500 statement · plan year 1 Jan 2025 to 31 Dec 2025
Ryder System, Inc. 401(k) Savings Plan
Sponsored by Ryder System, Inc., Alpharetta, GA
Form 5500 information is as filed by the plan administrator with the Department of Labor and may be amended. Figures reflect the plan year shown, not current balances. Form 5500 contains no individual account balances. Look up the original filing at EFAST2.
Ryder System, Inc. 401(k) Savings Plan is an ESOP with a 401(k) feature sponsored by Ryder System, Inc. of Alpharetta, Georgia. For the plan year ending 31 Dec 2025 it reported 51,723 participants, 44,689 of them active, and net assets of $2.66B.
Net assets came to $45,341 per participant in plan year 2024, well below the $62,774 median for defined contribution plans with 25,000 or more participants and well above the $32,883 median for defined contribution plans in transportation and warehousing. The figure is an average across everyone in the plan, including former employees with small balances; Form 5500 holds no individual account data.
The employer contributed $46.1M during the year, or $1,031 per active participant against a same-size median of $2,417; participants contributed $108M and $18.8M arrived as rollovers and other contributions. Benefits paid out totalled $261M.
Schedule C lists 1 service provider organisation paid $5,000 or more, with reported compensation of $1.2M: $23.80 per participant, well below the same-size median of $36.41. Administrative expenses charged to the plan were $1.3M. Schedule C does not capture every cost: fees netted from fund returns and fees the employer pays directly are outside it.
Across the filings on record, net assets went from $709M in 2009 to $2.66B in 2025 (up 275%), and participants from 29,038 to 51,723 (up 78%).
The independent accountant's opinion on the financial statements was unmodified (unqualified).
Compared with similar plans
| Measure, plan year 2024 | This plan | Same size | Same industry | All US DC plans |
|---|---|---|---|---|
| Net assets per participant | $45,341 | $62,774 | $32,883 | $53,102 |
| Employer contributions per active participant | $974 | $2,417 | $1,396 | $2,175 |
| Schedule C compensation per participant | $25.04 | $36.41 | $113 | $123 |
| Schedule C compensation, share of net assets | 0.06% | 0.07% | 0.33% | 0.26% |
| Administrative expenses per participant | $33.54 | $38.81 | $97.79 | $116 |
Peer columns are medians for plan year 2024 across defined contribution plans with 100 or more participants: 25,000 or more participants (608 plans), transportation and warehousing (1,909) and all US plans (63,460). Fee medians cover plans that report an amount.
Trend by plan year
| Plan year | Participants | Net assets | Per participant | Employer contributions | Participant contributions | Schedule C compensation |
|---|---|---|---|---|---|---|
| 2025 | 51,723 | $2.66B | $51,353 | $46.1M | $108M | $1.2M |
| 2024 | 51,211 | $2.32B | $45,341 | $42.9M | $101M | $1.3M |
| 2023 | 48,698 | $1.94B | $39,863 | $43.3M | $95.7M | $1.2M |
| 2022 | 49,723 | $1.60B | $32,162 | $40.4M | $88.6M | $1.3M |
| 2021 | 43,935 | $1.98B | $44,962 | $37.6M | $77.6M | $980K |
| 2020 | 40,065 | $1.74B | $43,398 | $32.4M | $66.1M | $1.0M |
| 2019 | 39,869 | $1.47B | $36,810 | $33.3M | $62.2M | $984K |
| 2018 | 39,615 | $1.20B | $30,188 | $32.6M | $55.5M | $1.0M |
| 2017 | 36,082 | $1.31B | $36,170 | $31.7M | $49.6M | $1.1M |
| 2016 | 34,271 | $1.11B | $32,321 | $31.2M | $47.5M | $1.1M |
| 2015 | 33,113 | $1.05B | $31,641 | $30.9M | $46.2M | $797K |
| 2014 | 25,306 | $1.09B | $43,192 | $28.4M | $42.2M | $783K |
| 2013 | 29,908 | $1.03B | $34,308 | $26.7M | $38.9M | $761K |
| 2012 | 30,686 | $854M | $27,841 | $25.7M | $38.0M | $728K |
| 2011 | 30,689 | $784M | $25,536 | $23.5M | $36.9M | $714K |
| 2010 | 28,267 | $784M | $27,727 | $20.3M | $33.5M | $695K |
| 2009 | 29,038 | $709M | $24,417 | $20.4M | $33.4M | $273K |
Years in which the plan filed the full Form 5500 with 100 or more participants, from 2009. Plan year is the year in which the plan year began.
Statement for the year
- Net assets, beginning of year$2,321,956,417
- Employer contributions$46,075,876
- Participant contributions$108,466,927
- Rollovers and other contributions$18,848,947
- Total contributions$173,391,750
- Total income, including investment results$596,928,875
- Benefits paid$261,323,266
- Administrative expenses$1,275,937
- Total expenses$262,748,906
- Net income$334,179,969
- Net transfers$0
- Net assets, end of year$2,656,136,386
Participants
- Active participants44,689
- Retired or separated, receiving benefits394
- Retired or separated, entitled to future benefits6,413
- Participants with account balances28,201
- Total participants, end of year51,723
Fees and service providers
| Organisation | Services reported | Direct | Indirect |
|---|---|---|---|
| Fidelity Investments Institutional | Participant loan processing; Trustee (directed) | $1,231,011 | $0 |
Schedule C, Part I line 2: providers that received $5,000 or more, with the form's own service codes. Individuals named on Schedule C (plan employees, individual trustees) are never shown and their compensation is excluded. Eligible indirect compensation disclosed by formula carries no dollar amount. See how to read Schedule C fees.
Administrative expenses on Schedule H
- Recordkeeping fees$1,181,011
- Trustee and custodial fees$50,000
- Other administrative expenses$44,926
- Total administrative expenses$1,275,937
Investment structure
Assets at year end by Schedule H category. The form shows the kind of vehicle holding the money, not the funds on the menu.
- Common/collective trusts$2.15B · 80.9%
- Employer securities$159M · 6.0%
- Registered investment companies (mutual funds)$152M · 5.7%
- U.S. Government securities$81.6M · 3.1%
- Other investments$48.4M · 1.8%
- Participant loans$46.4M · 1.7%
- Receivables$17.2M · 0.6%
- Cash (interest and non-interest bearing)$2.8M · 0.1%
Audit and compliance answers, as filed
- Accountant's opinionUnmodified (unqualified)
- Audit scope limited under ERISA section 103(a)(3)(C)No
- Accounting firmBDO USA P.C
- Participant contributions reported as transmitted lateNo
- Covered by a fidelity bondYes, $25,000,000
- Blackout period during the yearNo
These are the plan administrator's own answers on Schedule H, Part IV. A reported late transmittal is the filer's disclosure of a timing lapse, usually corrected through the Department of Labor's voluntary program; the amount is the total involved, not a loss.
Plan characteristics
2EProfit-sharing plan2JCode section 401(k) feature2KCode section 401(m) arrangement2FERISA section 404(c) plan2GTotal participant-directed account plan2OESOP other than a leveraged ESOP
Codes entered on Form 5500 line 8a, with the labels from the official instructions. Business code 488990: Other Support Activities for Transportation.
Other plans of Ryder System, Inc.
| Plan | Participants | Net assets |
|---|---|---|
| Ryder System, Inc. Retirement Plan | 12,667 | $1.21B |
Similar plans in Georgia
| Plan | Sponsor | Participants | Net assets | Per participant |
|---|---|---|---|---|
| Delta 401(k) Retirement Plan | Delta Air Lines, Inc. | 112,027 | $19.0B | $169,469 |
| Delta 401(k) Retirement Plan for Pilots | Delta Air Lines, Inc. | 17,776 | $15.9B | $896,057 |
| UPS 401(k) Savings Plan | United Parcel Service of America, Inc. | 134,811 | $14.2B | $105,245 |
| Saia Motor Freight Line, LLC 401(k) Plan | Saia Motor Freight Line, LLC | 16,292 | $670M | $41,112 |
| The Teamster - UPS National 401(k) Tax Deferred Savings Plan | Board of Trustees of the Teamsters - UPS 401(k) National Savings Plan | 478,185 | $19.3B | $40,377 |
| Capstone 401(k) Plan | Capstone Logistics, LLC | 11,992 | $50.3M | $4,191 |
Defined contribution plans in transportation and warehousing closest in size.
Questions and answers
How big is Ryder System, Inc. 401(k) Savings Plan?
51,723 participants at the end of the plan year ending 31 Dec 2025, of whom 44,689 were active employees, with net assets of $2,656,136,386. Among defined contribution plans that places it in the 25,000 or more participants band, which held 608 plans in plan year 2024.
What does Ryder System, Inc. contribute per participant?
The filing reports $46,075,876 in employer contributions for the year, which is $1,031 per active participant; the median for plans of the same type and size was $2,417 in plan year 2024. Form 5500 reports the total only. It does not state the match formula, and the per-participant figure is an average, not any one person's contribution.
What fees does the plan pay and how do they compare?
Schedule C reports $1,231,011 in compensation to service provider organisations, $23.80 per participant or 0.05% of net assets. The same-size median among plans reporting any Schedule C compensation was $36.41 per participant. Administrative expenses on Schedule H were $1,275,937. Investment costs deducted inside mutual funds and other pooled vehicles are not itemised on Form 5500, so these figures are a floor rather than a full cost.
Who runs the plan?
The sponsor is Ryder System, Inc.. Recordkeeping or administration: Fidelity Investments Institutional. Trustee or custodian: Fidelity Investments Institutional. The financial statements were audited by BDO USA P.C. Form 5500 also names the plan administrator's signer and other individuals; this site publishes organisations only.
Was the audit opinion unqualified?
The filing reports an unmodified (unqualified) opinion. Unmodified (formerly "unqualified") is the standard clean opinion.
How current is this, and does it show my balance?
This is the Form 5500 for the plan year 1 Jan 2025 to 31 Dec 2025, received by the Department of Labor on 29 Jun 2026. Filings are due seven months after the plan year ends, or nine and a half with an extension, so the public record always runs a year or more behind. It contains plan-level totals only: no individual balances, contributions or names of participants exist in the data.
Provenance
Source: U.S. Department of Labor, Employee Benefits Security Administration, Form 5500 research files (Form 5500, Schedule H, Schedule C) for plan years 2009 to 2025, public domain, with filings received through 24 Aug 2026. This page shows the latest filing on record for EIN 59-0739250, plan 005, received 29 Jun 2026; an amended filing replaces it at the next build. Medians and percentiles are computed by this site; see the methodology. Report an error through corrections.