Ryder System, Inc. 401(k) Review & Grade
Ryder System, Inc. 401(k) Savings Plan
Alpharetta, GATransportation & Warehousing41,790 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,027Employer $ per active participant
$2,414Employee $ saved per active participant
0.08%Direct admin cost, % of plan assets
$2.3BNet plan assets, end of year
$82,844Average balance per account
Score breakdown
- Employer generosity18.9 / 5038th percentile for employer $ per participant
- Low cost13.3 / 2553th percentile for low admin cost vs. same-size plans
- Employee saving5.0 / 1533th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score37 / 100 · Grade D
This plan vs. peers
Peers: Transportation & Warehousing plans with 10,000+ active participants (46 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 38th |
| Lower admin cost | 53th |
| Employee saving | 33th |
| Peers that auto-enroll | 30% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Ryder System put in about $1,027 per active participant, below the typical peer ($1,415). Any match is still an instant return, so contribute enough to get all of it.
- The filing shows total dollars, not the match formula. Ask HR for the Summary Plan Description so you know the exact match and vesting schedule.
- Fund expense ratios aren't in the filing. Look them up in your 404(a)(5) fee disclosure and favor low-cost index or target-date funds.
- Changing jobs? You can usually leave the money in the plan, move it to your new employer's plan, or roll it into an IRA. Don't cash out: you'd owe taxes and possibly a 10% penalty.
The raw numbers from the filing
| Employer contributions | $42,922,889 |
| Participant (employee) contributions | $100,880,324 |
| Other contributions (incl. rollovers in) | $21,638,555 |
| Administrative expenses paid from the plan | $1,717,513 |
| Investment advisory & management fees | $395,736 |
| Other admin expenses | $39,311 |
| Benefits paid out | $249,231,317 |
| Net assets, start / end of year | $1.9B / $2.3B |
| Active participants, start / end of year | 39,511 / 44,069 |
| Participants with account balances | 28,028 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Bdo USA P.C. |
| Employer stock held by plan | $141,579,013 |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $1,282,466 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250731171158NAL0005561537001, received 2025-07-31, EIN 59-0739250, plan #005, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.