Form 5500 · Employee benefit plan · STRATFORD, CT
RYDERS HEALTH MANAGEMENT
The filing calls this plan RYDERS HEALTH MANAGEMENT EMPLOYEE BENEFIT PLAN.
RYDERS HEALTH MANAGEMENT of STRATFORD, CT is a 483-participant professional services employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is USI INSURANCE SERVICES, LLC. Coverage is written through UNITEDHEALTHCARE INSURANCE COMPANY and 3 other carriers. The plan's most recent policy period ended in September.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 06-1481366 · plan 502 · plan year 2025, filed Jun 16, 2026
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38 other employer plans in Connecticut have policy years ending in September. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Both, as reported
The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.
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: death benefits.
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.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
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 5 insured contracts covering health, dental, vision, life and disability; the largest, with UNITEDHEALTHCARE INSURANCE COMPANY, covers 203 people.
Reported premium across the insured contracts is $4,005,286, with $289,254 in disclosed broker commissions — about 7.2% of premium.
The health contract's policy period ended in September, while at least one ancillary line's policy period ended in December. The plan is on a split renewal cycle.
USI INSURANCE SERVICES, LLC is the broker of record on 2 of the 5 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including UNITEDHEALTHCARE INSURANCE COMPANY, CONTINENTAL AMERICAN INSURANCE COMPANY, MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY and UNUM LIFE INSURANCE COMPANY OF AMERICA. UNITEDHEALTHCARE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNITEDHEALTHCARE INSURANCE COMPANY | Health, Dental, Vision | 203 | Oct 1, 2025 | $3,498,400 | $194,726 |
| CONTINENTAL AMERICAN INSURANCE COMPANY | Disability | 406 | Jan 1, 2026 | $293,814 | $55,878 |
| MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | Life | 157 | Oct 1, 2025 | $98,167 | $27,126 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Life, Disability | 187 | Oct 1, 2025 | $110,166 | $11,017 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Disability | 4 | Oct 1, 2025 | $4,739 | $507 |
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.
How this plan compares
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Renewal calendar
38 other employer plans in Connecticut are October 1 renewals (policy year ends September).
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