Marriott International, Inc. Puerto Rico Retirement Plan
Luxury Hotels International Of Puerto Rico, Inc. · Carolina, PR · EIN 743052234 · Plan 001 · Form 5500 for plan year 2024
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. That is the whole employer side, matching money, profit sharing, non-elective and safe-harbor contributions and reallocated forfeitures together, because the Form 5500 reports them on one line, so it is not the match rate.
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, Inc. 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.
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: Form 5500 filing for the plan year ended December 31, 2024, received by the DOL October 13, 2025 · 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 on its own for plan year 2025: the section 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 plan cost, per participant
$48.37
The plan paid $48.37 per participant in plan-paid administrative expenses in plan year 2024, cheaper than 74% of plans with 1,000–4,999 participants. The middle plan of that size paid $84.96.
Why a plan this big pays less per person before anything else
Bigger plans pay less per head by construction, because the same negotiated bill divides across more people. That is why this ranking sits inside the plan's own size cohort and is never taken across all plans.
Schedule H reports only what came out of plan assets. Fees the sponsor pays directly, and fees taken inside fund expense ratios, never appear here, so this is a floor and not the all-in cost.
401(k) Monitor Score
57 out of 100
Where this plan stands against plans of its size and industry on two amounts its Form 5500 reports: employer money in per active person, and plan-paid cost per person. It reads no match formula, no vesting schedule and no fund lineup, because a Form 5500 states none of them.
- What the employer put in, per active participant: $323. Higher than 50% of plans with 1,000–4,999 participants at hotels and restaurants.
- What the plan cost, per participant: $48.37. Cheaper than 74% of plans with 1,000–4,999 participants.
On this page: the match and vesting terms · what to check next · every figure on the filing · fees itemised · the plans this one is ranked against · service providers
The match and vesting terms, from a Form 11-K
The match formula and the vesting schedule are stated in a Form 11-K, which is filed only by employers whose plan holds company stock. A Form 5500 reports neither.
What Marriott International 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 253 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.
The match, vesting and eligibility terms above are read from the Form 11-K filed by Marriott International, Inc., whose page states the full formula, the vesting schedule and the sentence behind each one.
What to check next
Collecting the whole match
Marriott International’s Form 11-K pays the whole match at 7% of pay, which is $1,386 a year at a $49,500 salary and scales with your own. Your payslip and your Alight ↗ account both show the rate you set. A rate below 7% collects less than the whole match.
That Form 11-K covers plan year 2025. The plan’s Summary Plan Description states the terms in force, and the plan administrator must provide it to participants on request.
Your own numbers are not on this page
Every figure here is the whole plan for plan year 2024, taken from one filing and divided by headcounts. Your own contribution rate, your balance and the fees taken from your account are on your recordkeeper’s site, which this filing names as Alight ↗. What you may put in during a year is set by the IRS and not by the plan: this year’s limits ↗.
Key figures
| Total plan assets, end of year | $25,237,423 |
|---|---|
| Net assets | $25,209,038 |
| Participants, beginning of year | 1,699 |
| Of which active | 2,061 |
| Plan type | Single employer |
| Size cohortThe peer group we rank fees against. | 1,000–4,999 participants |
| Employer share of the money that went in, plan year 2024The rest came from employees, who put in $2,078,707. The share falls when employees save more, so a plan whose staff contribute heavily reads lower here through no act of the employer. It is printed as a fact and it is not part of the score. | 24% |
Plan-paid administrative expenses
The plan paid $82,189 in administrative expenses in plan year 2024, across 1,699 participants: $48.37 per participant.
| Contract administrator fees | not reported in filing |
|---|---|
| Professional fees | not reported in filing |
| Investment management fees | $12,591 |
| Other administrative fees | $4,786 |
These are plan-paid expenses from Schedule H only. Fees the sponsor pays directly, and fees embedded in fund expense ratios, never appear here. This figure is a floor, not the all-in cost, and a low number is not “free”.
The plans this one is ranked against
Fees on this page are ranked against the 1,000–4,999 participant cohort, where the median plan pays $84.96 per participant. The sponsor files from Puerto Rico, one of 118 plans on file there, at a median of $86.31 per participant. Its business code places the plan at hotels and restaurants, one of 1,305 on file, which run to a median of $54.65.
Plans of a similar size in Puerto Rico
| Plan | Participants | Cost per participant |
|---|---|---|
| Pfizer Savings Plan For Employees Resident In Puerto RicoPbg Puerto Rico LLC | 2,033 | $68.35 |
| Sociedad Espanola De Auxilio Mutuo Y Beneficiencia De Puerto Rico Retirement PlanHospital Espanol Auxilio Mutuo De Puerto Rico Inc. | 1,742 | $130.11 |
| Popular, Inc. USA 401(k) Savings & Investment PlanPopular, Inc. | 1,581 | $251.25 |
| Universal Insurance Company Profit Sharing And Savings PlanUniversal Group | 1,392 | $301.76 |
Service providers (Schedule C)
Recordkeeper: Alight (as filed: “ALIGHT SOLUTIONS LLC”)
46 plans on file name Alight as their recordkeeper, at a median of $87.90 per participant.
| Provider | Service codes | Direct comp. ($) | Indirect comp. ($) |
|---|---|---|---|
| Oriental Bank | 50, 21 | 47,286 | not reported |
| Nepc | 50, 27 | 12,591 | not reported |
| Alight Solutions LLC | 50, 15 | 7,101 | 0 |
| Abarca | 50, 29 | 6,425 | not reported |
Useful links
- Find a 401(k) you left at an old job ↗
The DOL's Retirement Savings Lost & Found. Free and official.
- Look up this plan's full Form 5500 ↗
The DOL's own filing search. Search by plan or sponsor name.
- Download this plan's data (CSV) ↗
Every field on this page, one row, ready for a spreadsheet.
Source
| Dataset | DOL EFAST2 Form 5500 bulk data (FOIA) |
|---|---|
| Form year | 2024 |
| Filing ACK_ID | 20251013091924NAL0001583888001 |
| Dataset last refreshed | July 28, 2026 |
Bulk dataset at askebsa.dol.gov ↗ · Look up the filing on EFAST2 ↗
Filings lag by design: a plan can file up to 9½ months after its year ends, so this is the newest data on file. Why filings lag
Cite this page
401(k) Monitor, "Marriott International, Inc. Puerto Rico Retirement Plan: Form 5500 facts", from DOL EFAST2 filing 20251013091924NAL0001583888001, plan year ended December 31, 2024. 401(k) Monitor Score 57 out of 100 (exact value 57.05).