Plan Ledger DOL Form 5500 · updated monthly

Ryder System, Inc.401(k)

RYDER SYSTEM, INC. 401(K) SAVINGS PLAN · ALPHARETTA, GA · plan year 2025

Reported admin expense ratio · 2025
0.05%

Peer grade: C · admin costs + employer contributions vs same-size plans · how grading works

Ryder System, Inc. reported $1,275,937 in plan administrative expenses for 2025: 0.05% of average plan assets, above the peer median. Employer contributions averaged $1,031 per active participant. This ratio covers administrative expenses reported on the plan's Schedule H only; fund-level expense ratios are not included in public structured data — see methodology.

Across the 3 years on file its reported administrative ratio fell from 0.10% to 0.05%. The plan sits in the over $1B size bracket, benchmarked here against 141 comparable plans and shown alongside other transportation & warehousing employers. By assets it is the 17th-largest of 2,160 plans among Georgia employers on file, and the 11th of 2,677 in transportation & warehousing. In 2025, employees put in $2.35 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$2,656,136,386
Participants with balances28,201
Active participants44,689
Employer contributions$46,075,876
Employee contributions$108,466,927
Employer contribution per active participant$1,031
Average account balance$94,186
Benefits paid to participants$261,323,266
Plan auditUnmodified (clean) audit opinion
Plan history4
Yearassets · accounts · employer contribution
2025$2.7B · 28,201 accts · $46.1M emplr
2024$2.3B · 28,028 accts · $42.9M emplr
2023$1.9B · 28,973 accts · $43.3M emplr
2022$1.6B · 28,704 accts · $40.4M emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$1,181,011
Trustee / custodial$50,000
Total administrative$1,275,937
The Ryder System, Inc. 401(k) match · 2025
Employer contribution per active participant$1,031
Median for plans this size$5,084
2025$1,031 per active participant
2024$974 per active participant
2023$1,097 per active participant
2022$987 per active participant

Ryder System, Inc.'s 2025 employer contribution ran below the $5,084 median for plans its size, in the bottom quarter of its peers. Filings report dollars actually contributed, not the match formula; the formula itself (for example, 50% of the first 6% of pay) lives in the plan's summary plan description from HR.

What these fees cost you

Annual cost at the plan's reported 2025 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20251
FIDELITY INVESTMENTS INSTITUTIONAL · Loan processing · Trustee (directed)$1,231,011

Compensation shown is direct payments from plan assets reported on Schedule C. Providers paid through fund revenue-sharing appear as indirect.

Administrative cost history4
2025$1,275,937 · 0.05%
2024$1,717,513 · 0.08%
2023$1,771,799 · 0.10%
2022$1,853,847 · 0.10%
Same employer
Similar plansTransportation & Warehousing · Georgia
Delta Air Lines, Inc. GA$19.0B · 0.07%
Saia Motor Freight Line, LLC GA$669.8M · 0.07%
Colonial Pipeline Company GA$359.1M · 0.01%
Americold Logistics LLC GA$319.7M · 0.30%
Endeavor Air, Inc. GA$282.6M · 0.05%

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Source: U.S. Department of Labor, Form 5500 series, EIN 590739250 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.