Marriott International, Inc. 401(k) for employees in Puerto Rico: Alight, match 2.8% max
Marriott International, Inc. Puerto Rico Retirement Plan · MAR · CIK 1048286
Alight is the recordkeeper named on the Form 5500 filed for this plan, the company that keeps the account records. Where to log in, and what the filing says.
Maximum employer match, as a share of pay
2.8%
The Marriott International Puerto Rico plan matches 40% of the first 7% of pay.
The match, vesting and enrollment terms below are for employees in Puerto Rico: they are read from the Marriott International, Inc. Puerto Rico Retirement Plan. Marriott International filed two Form 11-K reports for plan year 2025, of which one has been read. The other report has not, so this page cannot say what the plan it covers pays.
From the Form 11-K filed June 16, 2026 ↗, covering the plan year ended December 31, 2025. Page data last updated July 28, 2026, when the Form 5500 bulk data was last refreshed. Why filings lag
On this page: what the employer actually paid in · the formula, word for word · when the money becomes yours · who can join · who holds your account · what the plan reports to the DOL · how it compares · what to do next
What the Marriott International Puerto Rico plan puts in, and what the plan costs
What Marriott International put into the plan, per active participant
$323
Marriott International, Inc. put $323 into this plan for each of its 2,061 active participants in plan year 2024. This is the whole employer side of the plan: matching money, profit sharing, non-elective and safe-harbor contributions, and reallocated forfeitures. The Form 5500 does not separate them, so this is what the employer put in and not the match.
Marriott International put in more per active participant than 50% of plans with 1,000–4,999 participants at hotels and restaurants. The middle plan in that group of 271 reported $323. Hotels and restaurants comes from business code 721110, which Marriott International entered on its own Form 5500. Sponsors pick that code themselves, so a code that does not describe what the employer does ranks the plan against the wrong companies.
Both filings are for the Marriott International, Inc. Puerto Rico Retirement Plan, which covers employees in Puerto Rico, so this figure and the terms above describe the same group.
What this figure cannot separate: how much Marriott International pays, and how much it puts in
This is dollars, not a rate. A Form 5500 carries no payroll, so the figure reflects both how much the employer puts in and how much the employer pays: two plans running the same formula report different amounts when one pays better. Crossing the peer group with industry holds most of that difference still, and none of it disappears.
This is one plan year, not an average. A true-up, a plan merger or a one-off contribution moves a single year on its own.
Source: DOL Form 5500 for the plan year ended December 31, 2024, EIN 743052234, plan 001 · DOL EFAST2 ↗
The $323 above is the Form 5500 figure for plan year 2024, and it counts every employer dollar on one line. Marriott International, Inc. also files a Form 11-K, which states the match formula for plan year 2025: the card below reads $1,386 a year at a $49,500 salary. That second figure is what the formula pays one worker on that salary, and not an amount either filing reports. The two figures cover different plan years and measure different things, so neither one is the other one corrected.
What the Marriott International Puerto Rico plan puts in
$1,386
a year, at a $49,500 salary.
The match paragraph, word for word
“Contributions to the Plan come from employee salary reduction contributions and employer matching contributions. If an employee elects to participate in the Plan, contributions may be made through salary deferrals between 1% and 80% of eligible earnings in any plan year, subject to certain limitations. The Company makes matching contributions after the participant completes a one-year waiting period equal to 40% of the first 7% of the eligible earnings contributed to the Plan by participants, on a payroll period basis.”
What you contribute to collect all of it
Contribute at least 7% of your pay to collect the full match.
That is $3,465 a year at a $49,500 salary, and it scales with your own.
Vesting score
71.43 out of 100
How fast the employer’s money becomes yours. Higher than 32% of the 369 schedules we have scored.
It measures vesting speed and nothing else. It says nothing about the size of the match, what the plan charges, or the funds inside it.
Share of the employer's money that is the worker's at hire and at each of the first 6 anniversaries: 0%, 0%, 100%, 100%, 100%, 100%, 100%. The score is the average of those 7 readings.
Vesting, word for word
“Participants are immediately vested in their own contributions and the investment earnings thereon. Participants are 100% vested after completing two years of service with respect to matching contributions made by the Company and related earnings.”
A worker hired today collects no match for 1 year. This is a filed term, and it does not move the score above.
Eligibility, word for word
“All employees are eligible to participate in the Plan. Effective 10/1/2024, there are no age or service requirements to participate. Prior to 10/1/2024, employees were eligible to participate upon completion of at least 1,000 hours of service within one twelve month period of service.”
The wait before the match starts and the year-end true-up appear above when the filing states them. Neither is part of the score, and a filing that is silent on one of them is not a plan without it.
What the plan costs, against plans of its size
27th percentile
$48.37 per participant in plan-paid administrative cost, cheaper than 74% of plans with 1,000–4,999 participants.
What is the Marriott International Puerto Rico plan's 401(k) match formula?
The Marriott International Puerto Rico plan's 401(k) employer match tops out at 2.8% of pay. The match is deposited each payroll. One rate up to one limit is the commonest of the four shapes a match formula takes.
| Match formula | 40% of the first 7% of pay |
|---|---|
| Maximum employer match | 2.8% of compensation |
| Deposited | Each payroll |
| Conditions | Matching contributions begin after the participant completes a one-year waiting period |
At a $75,000 salary, contributing 7% ($5,250) earns the full employer match of $2,100 for the year.
What the filing says, word for word
“Contributions to the Plan come from employee salary reduction contributions and employer matching contributions. If an employee elects to participate in the Plan, contributions may be made through salary deferrals between 1% and 80% of eligible earnings in any plan year, subject to certain limitations. The Company makes matching contributions after the participant completes a one-year waiting period equal to 40% of the first 7% of the eligible earnings contributed to the Plan by participants, on a payroll period basis.”
Source: Form 11-K filed June 16, 2026, SEC EDGAR, corroborated by the filing's inline-XBRL facts · SEC ↗
What is the Marriott International Puerto Rico plan's 401(k) vesting schedule?
The Marriott International Puerto Rico plan vests the employer match on a cliff schedule: nothing is yours until two years of service, then 100% at once. Leave a day early and the employer money goes back to the plan, the edge a two-year cliff creates.
| Employer match vesting | Cliff: 100% vested after 2 years of service |
|---|---|
| Your own contributions | Immediate: always 100% yours |
Vesting, word for word
“Participants are immediately vested in their own contributions and the investment earnings thereon. Participants are 100% vested after completing two years of service with respect to matching contributions made by the Company and related earnings.”
Source: Form 11-K filed June 16, 2026, SEC EDGAR · SEC ↗
Who can join the Marriott International Puerto Rico plan's 401(k), and is enrollment automatic?
The Marriott International Puerto Rico plan's filing does not mention automatic enrollment, which is not the same as the plan having none.
| Plan entry | All employees are eligible to participate; effective October 1, 2024 there are no age or service requirements (previously, completion of at least 1,000 hours of service within one twelve-month period was required) |
|---|---|
| Match eligibility | One-year waiting period before the Company makes matching contributions |
| Automatic enrollment | Not mentioned in the filing (not proof of absence) |
Eligibility, word for word
“All employees are eligible to participate in the Plan. Effective 10/1/2024, there are no age or service requirements to participate. Prior to 10/1/2024, employees were eligible to participate upon completion of at least 1,000 hours of service within one twelve month period of service.”
Source: Form 11-K filed June 16, 2026, SEC EDGAR · SEC ↗
Who holds your account
Schedule C of the Form 5500 filed for plan year 2024 reports Alight, filed as “ALIGHT SOLUTIONS LLC”. That is the company paid to keep the account records: what is in an account, what went into it, and usually the site a participant signs in to. The trustee that holds the plan’s assets can be a different company, and this filing does not name it.
46 plans on file name Alight as their recordkeeper. Of those, the 46 with a computable fee have a median plan-paid cost of $87.90 per participant.
Participants log in at Alight, find your HR website ↗. Alight runs a separate site for each employer, so that page asks which employer you work for first. 401(k) Monitor is not affiliated with Alight or with any other recordkeeper, and takes nothing for this link. It is here because that is where the account is.
| Recordkeeper | Alight |
|---|---|
| Recordkeeper EIN | 821061233 |
What does the Marriott International plan report on Form 5500?
The Marriott International plan reported $25.2M in assets and 1,699 participants for plan year 2024.
| Total plan assets | $25,237,423 |
|---|---|
| Participants | 1,699 |
| Plan-paid admin cost per participant | $48.37 |
How that cost compares
This plan pays $48.37 per participant. The median across plans at hotels and restaurants is $54.65, from the 1,246 of 1,305 whose Form 5500 yields a per-participant cost.
Read from the Form 5500 filing of Marriott International, Inc. Puerto Rico Retirement Plan, which has no page of its own here.
How does the Marriott International Puerto Rico plan's 401(k) match compare?
The Marriott International Puerto Rico plan's maximum 401(k) match of 2.8% of pay compares with a median of 4% across the 269 companies in our data with a computable formula.
Employers worth reading next
Of the six employers below, three file at hotels and restaurants, two report the same recordkeeper and one vests on the same schedule.
Maximum match 4% of pay. Also at hotels and restaurants.
Maximum match 4% of pay. Also at hotels and restaurants.
Maximum match 6% of pay. Also at hotels and restaurants.
Maximum match 2% of pay. Same recordkeeper, Alight.
Maximum match 3.5% of pay. Same recordkeeper, Alight.
Maximum match 3.5% of pay. Same 2-year cliff as Marriott International.
Compare Marriott International, Inc. with any company, side by side
What can you do next?
- Read the Form 11-K on SEC EDGAR ↗
Form 11-K filed June 16, 2026, SEC EDGAR. Every match fact on this page comes from it.
- Changed jobs? Find an old 401(k) ↗
The Department of Labor's Retirement Savings Lost & Found, a free government database.
- This year's IRS contribution limits ↗
The official deferral and catch-up limits every formula operates under.
Questions this filing answers
What is Marriott International, Inc.'s 401(k) match for employees in Puerto Rico?
The Marriott International, Inc. Puerto Rico Retirement Plan covers employees in Puerto Rico. Marriott International, Inc. matches 40% of employee contributions up to 7% of eligible pay (plan year ended December 31, 2025).
When does the Marriott International, Inc. 401(k) match vest for employees in Puerto Rico?
Cliff: 100% vested after 2 years of service.
Does Marriott International, Inc.'s 401(k) plan for employees in Puerto Rico have automatic enrollment?
Not mentioned in the filing (not proof of absence).
Who is the recordkeeper for Marriott International, Inc.'s 401(k) for employees in Puerto Rico?
Alight is named as the recordkeeper on the Form 5500 filed for Marriott International, Inc. Puerto Rico Retirement Plan for plan year 2024. That is the company paid to keep the account records: what is in an account, what went into it, and usually the site a participant signs in to.
Source
The match formula, the vesting schedule and the enrollment rules on this page were read from one document: the Form 11-K annual report that Marriott International, Inc. filed with the US Securities and Exchange Commission for the plan year ended December 31, 2025. Each of those fields carries the filing sentence it was read from, expandable where the field appears. Nothing on this page was supplied by the employer to this site.
The plan assets, the participant counts, the plan-paid fees and the recordkeeper come from a different document, the plan’s DOL Form 5500 annual return, and the section that reports them links it. Comparisons with other employers are computed across the filings named in the section they appear in.
Read the filing on SEC EDGAR ↗
| Document | Form 11-K annual report |
|---|---|
| Filed with | US Securities and Exchange Commission (EDGAR) |
| Filed by | Marriott International, Inc. |
| SEC CIK | 1048286 |
| Accession number | 0001048286-26-000023 |
| Plan | Marriott International, Inc. Puerto Rico Retirement Plan |
| Period of report | December 31, 2025 |
| Filed | June 16, 2026 |
401(k) Monitor is not affiliated with Marriott International, Inc., with the Securities and Exchange Commission or with this plan’s recordkeeper, and publishes this page without their involvement. It republishes a public filing and says where it came from.
Cite this page
401(k) Monitor, “Marriott International, Inc. 401(k) plan facts for employees in Puerto Rico”, from SEC Form 11-K accession 0001048286-26-000023, plan year ended December 31, 2025.
