Form 5500 · Employee benefit plan · BRIDGEWATER, NJ
RYAN AUTOMOTIVE LLC DBA OPEN ROAD AUTO GROUP
The filing calls this plan RYAN AUTOMOTIVE LLC DBA OPEN ROAD AUTO GROUP EMPLOYEE BENEFITS PLAN.
RYAN AUTOMOTIVE LLC DBA OPEN ROAD AUTO GROUP of BRIDGEWATER, NJ files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is PROFESSIONAL GROUP PLANS, INC.. Coverage is written through THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA and 1 other carrier. The plan's most recent policy period ended in August.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 22-3724696 · plan 501 · plan year 2025, filed Mar 3, 2026
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66 other employer plans in New Jersey have policy years ending in August. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Self-funded as reported
The filing reports a stop-loss contract and no medical premium, which is what a plan that pays its own claims reports.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
Also declared: other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 2 insured contracts covering health, dental, vision, life, disability and stop-loss; the largest, with THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA, covers 925 people.
The medical plan carries stop-loss coverage: the filing reports the plan paying its own health claims, with insured protection against large ones.
Reported premium across the insured contracts is $1,599,810, with $162,175 in disclosed broker commissions — about 10% of premium.
The most recent policy period ended in August, and the plan year ends August 31. Group contracts typically renew on that annual cycle.
PROFESSIONAL GROUP PLANS, INC. is the broker of record on 1 of the 2 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Health, Dental, Vision, Life, Disability | 925 | Sep 1, 2025 | $916,459 | $162,175 |
| HM INSURANCE GROUP | Stop-loss | 506 | Sep 1, 2025 | $683,351 | $0 |
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Other plans filed by this employer
How this plan compares
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Renewal calendar
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