Royal Caribbean Cruises Ltd. 401(k) Plan: Login, Facts & Contact Information
Royal Caribbean Cruises Ltd. 401(k) Login
1,696 former Royal Caribbean Cruises Ltd. employees still have money in this plan.
Retirement plan providers can change. This information is from the plan's 2024 filing.
Royal Caribbean Cruises Ltd. 401(k) Plan Facts
Source: Form 5500 for plan year 2024 (Jan 1, 2024 – Dec 31, 2024), filed Sep 10, 2025. Public filing with the U.S. Department of Labor.
Money in and out in plan year 2024
- $58.8 million went into the plan in contributions, $22.9 million of it from the employer (39%).
- $43.4 million was paid out to participants.
- Investment and other income added $94.0 million.
- Administrative expenses were $588,697, about $95 per account.
How the Royal Caribbean Cruises Ltd. 401(k) changed, 2019–2024
| Plan year | Participants | Plan assets | Employer contributions | Benefits paid |
|---|---|---|---|---|
| 2019 | 6,668 | $517.8 million | $20.1 million | $25.7 million |
| 2020 | 7,469 | $568.8 million | $18.6 million | $62.6 million |
| 2021 | 6,696 | $660.1 million | $18.1 million | $44.6 million |
| 2022 | 6,815 | $573.0 million | $19.6 million | $31.4 million |
| 2023 | 6,377 | $678.6 million | $21.4 million | $39.9 million |
| 2024 | 6,231 | $787.2 million | $22.9 million | $43.4 million |
Royal Caribbean Cruises Ltd. 401(k) Contact Information
Questions about the Royal Caribbean Cruises Ltd. 401(k)
Does Royal Caribbean Cruises Ltd contribute to the 401(k)?
Yes. The plan reports an employer contribution arrangement. In plan year 2024 the employer contributed $22.9 million, 39% of all contributions.
Does the Royal Caribbean Cruises Ltd 401(k) have automatic enrollment?
No. The plan does not report automatic enrollment; employees enroll themselves.
How many people are in the Royal Caribbean Cruises Ltd 401(k) plan?
6,231 participants at the start of plan year 2024, 4,275 of them active employees, and 1,696 former employees who still had money in the plan.
What is the average 401(k) balance at Royal Caribbean Cruises Ltd?
About $126,623 per account: $787.2 million in plan assets across 6,217 accounts with a balance at the end of plan year 2024.
Who manages the Royal Caribbean Cruises Ltd 401(k) accounts?
Milliman (listed on the filing as MILLIMAN, INC.) is the plan's recordkeeper, which is where participants log in to see their balance.
I no longer work at Royal Caribbean Cruises Ltd. How do I access my 401(k)?
Your account stays with Milliman after you leave, so you can log in with the same credentials. If your balance was small, the plan may have rolled it into an IRA in your name. If you can't find it, Beagle can locate it for you.