# Royal Caribbean Cruises Ltd. 401(k) Plan
Source: https://planprovider.pro/companies/royal-caribbean-cruises-ltd-401k-plan

> Royal Caribbean Cruises Ltd.'s 401(k) plan: 4,275 participants, plan year 2024 financials, providers, and benchmarks from Form 5500.

Form 5500 filing data for plan year 2024.

## Plan Snapshot

- **Plan Sponsor:** Royal Caribbean Cruises Ltd.

- **Sponsor EIN:** 980081645

- **Sponsor Address:** 1050 CARIBBEAN WAY, MIAMI, FL, 33132

- **Plan Type:** 401(k)

- **Total Participants:** 4,275

- **Total Assets:** $787.2M

## Key Plan Design Features

- **Auto-Enrollment:** Yes

- **Auto-Escalation:** No

- **Allows Roth Contributions:** No

- **Participant Loans:** No

- **Participant-Directed Investments:** Yes

- **ERISA Section 404(c) Fiduciary Safe Harbor:** Yes

## Plan Financials by Year

| Year|Participants|Total Assets|Employer Contrib.|Employee Contrib.|

| 2024|4,275|$787.2M|$22.9M|$30.6M|

| 2023|4,078|$678.6M|$21.4M|$26.6M|

| 2022|4,217|$573.0M|$19.6M|$24.1M|

## Service Providers (Schedule C)

Vendors paid $5,000 or more for services to the plan, ranked by total compensation (direct + indirect fees).

| Provider Name|
Role|
Direct Compensation|
Indirect Compensation|
Total Fees|

| MILLIMAN, INC.|NONE|$577,137|—|$577,137|

| CHARLES SCHWABTRUST BANK|NONE|—|$86,679|$86,679|

| PRICE WATERHOUSE COOPERS|Auditor|—|—|$0|

### Verified Provider Profiles

Direct links to verified profiles of matched retirement plan providers on PlanProvider.Pro:

- [MILLIMAN, INC.](https://planprovider.pro/provider/milliman) — NONE

- [CHARLES SCHWABTRUST BANK](https://planprovider.pro/provider/charles-schwab-and-co-inc) — NONE

## Plan Fees & Expenses

Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.

- **Total Service Provider Fees:** $663,816

- **Estimated Expense Ratio:** 0.084% of plan assets

### Historical Administrative Expenses

Breakdown of administrative expense categories reported on Form 5500 filings.

| Year|
Total Admin Expenses|
Investment Mgmt Fees|
Contract Admin Fees|
IQPA Audit Fees|
Professional Fees|

| 2024|$588,697|—|—|—|—|

| 2023|$520,007|—|—|—|—|

| 2022|$542,510|—|—|—|$542,510|

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[View full interactive plan profile on PlanProvider.Pro](https://planprovider.pro/companies/royal-caribbean-cruises-ltd-401k-plan)

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