Ryder Health Plan Inc

EIN: 660407821 501(c)(3) Health Care

HUMACAO, PR

Total Revenue
$1,196,394
Total Expenses
$1,471,161
Total Assets
$1,697,809
Net Assets
$854,884
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Financial Vulnerability Assessment (Tuckman-Chang)

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Financial Trends

Organization Details

Formation Year
1984
Legal Domicile
PR
Principal Officer
Carmen Colon Melendez
Phone
7878520846
Tax Period
2025-01-01 to 2025-12-31

Ryder Health Plan Inc, founded in 1984, is a community nonprofit in the Health Care sector that reported $1.2M in total revenue in fiscal year 2025. Revenue decreased 7% compared to the prior year. Expenses of $1.5M exceeded revenue, resulting in a 23% operating deficit.

Mission

Providing comprehensive health care services on a prepaid and at a low cost to subscribers

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

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Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $1,022,426
Investment Income $13,216
Other Revenue $160,752
TOTAL REVENUE $1,196,394

Expense Breakdown

Grants Paid $0
Salaries & Benefits $60,140
Fundraising Expenses $0
Program Expenses $736,227
Other Expenses $1,411,021
TOTAL EXPENSES $1,471,161

Year-over-Year Comparison

2025 2024 Change
Revenue $1,196,394 $1,286,319 -0.1%
Expenses $1,471,161 $1,692,697 -0.1%
Net Income $-274,767 $-406,378 -0.3%
Key Indicators
✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required
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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Governance

Voting Members
17
Independent Members
17
Employees
2
Volunteers
N/A

Governance Policies

✗ Conflict of Interest Policy
✗ Whistleblower Policy
✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School
✗ Operated a Hospital
✗ Provided First Class Travel
✗ Reported Conflict of Interest
✗ Reported Asset Diversion
✗ Excess Benefit Transaction
✗ Made Political Expenditures
✗ Engaged in Lobbying
✗ Operated Donor Advised Fund
✗ Maintained Art Collections
✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers
5
$0
Total Directors
17
$0
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
Adelia I Acevedo Director 0.00
Director
$0 $0 $0
Carmen S Albino Director 0.00
Director
$0 $0 $0
Esther Aleman Secretary 0.00
Officer Director
$0 $0 $0
Barbara T Baylor Director 0.00
Director
$0 $0 $0
Benjamin Berrios Director 0.00
Director
$0 $0 $0
Miriam Alicea Calderin Director 0.00
Director
$0 $0 $0
Angel E Cepeda Director 0.00
Director
$0 $0 $0
Pedro J Diaz Treasurer 0.00
Officer Director
$0 $0 $0
Elizabeth Dilley Director 0.00
Director
$0 $0 $0
Carmen Sara Garcia Vice-President 0.00
Officer Director
$0 $0 $0
Jesus Jusino Director 0.00
Director
$0 $0 $0
Carlos A Lopez Director 0.00
Director
$0 $0 $0
Carmen A Nebot Director 0.00
Director
$0 $0 $0
Juan M Menedez Rosa President 0.00
Officer Director
$0 $0 $0
Elda E Rosario Director 0.00
Director
$0 $0 $0
Elba L Santana Rotger Director 0.00
Director
$0 $0 $0
Jesus M Reina Vazquez Director 0.00
Director
$0 $0 $0
Carmen Colon Melendez Executive Director 0.00
Officer
$0 $0 $0
Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year Revenue Expenses Assets Net Income
2025 $1,196,394 $1,471,161 $1,697,809 $-274,767
2024 $1,286,319 $1,692,697 $1,802,702 $-406,378
2023 $1,226,311 $2,103,211 $1,589,723 $-876,900
2022 $1,414,633 $1,836,432 $1,856,498 $-421,799
2021 $1,585,730 $1,604,340 $1,887,221 $-18,610
2020 $1,872,206 $1,662,901 $1,862,026 $209,305
2019 $1,857,216 $1,711,995 $1,674,784 $145,221
2018 $2,032,457 $1,957,535 $1,556,456 $74,922
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