Royal Caribbean Cruises 401(k) match, vesting and fees
What Royal Caribbean Cruises' 401(k) plan says about matching contributions
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Recordkeeper | Milliman, Inc. | Schedule C ↗ |
| Independent auditor | Price Waterhouse Coopers (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2025 medians for 15 defined-contribution plans in transportation and warehousing with 5,000 to 9,999 participants.
| Royal Caribbean Cruises: employer contribution per participant | $3,950 | |
| Peer median | $1,740 |
| Royal Caribbean Cruises: average balance | $146,500 | |
| Peer median | $71,682 |
| Royal Caribbean Cruises: admin expenses ÷ assets | 0.07% | |
| Peer median | 0.14% |
Admin expenses are the plan's reported administrative expenses divided by its assets; they do not include fund expense ratios.
Plan history
Plan assets went from $660M at the end of plan year 2021 to $926M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 6,449 | $926M | $25M | $3,950 | 0.07% | Not published | Form 5500 ↗ |
| 2024 | 6,350 | $787M | $22.9M | $3,690 | 0.08% | Not published | Form 5500 ↗ |
| 2023 | 6,230 | $678M | $21.4M | $3,467 | 0.08% | Not published | Form 5500 ↗ |
| 2022 | 6,377 | $573M | $19.6M | $3,141 | 0.09% | Not published | Form 5500 ↗ |
| 2021 | 6,815 | $660M | $18.1M | $2,725 | 0.10% | Not published | Form 5500 ↗ |
Common questions
Does Royal Caribbean Cruises match 401(k) contributions?
The match terms for the Royal Caribbean Cruises Ltd. Ret. Savings Plan have not been published from its filing yet. The plan year 2025 filing reports $25M in employer contributions, about $3,950 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Royal Caribbean Cruises 401(k) match vested?
The vesting schedule for the Royal Caribbean Cruises Ltd. Ret. Savings Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Royal Caribbean Cruises 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is Milliman, Inc.. The plan administrator is Royal Caribbean Cruises Ltd..
I left Royal Caribbean Cruises. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Royal Caribbean Cruises Ltd., (305) 982-2945) or the recordkeeper, Milliman, Inc.. The Royal Caribbean Cruises old 401(k) page lists the contacts from every plan filing. Find an old Royal Caribbean Cruises 401(k)
Data from the public Form 5500 annual reports Royal Caribbean Cruises filed with the U.S. Department of Labor (plan years 2021 and 2022 and 2023 and 2024 and 2025) and, where noted, the attached independent auditor's report. Plan terms may have changed since the filing; check your current Summary Plan Description. PlanFacts is not affiliated with Royal Caribbean Cruises. Not financial advice. Report a correction · Methodology