Royal Caribbean Cruises 401(k) and retirement plans

Royal Caribbean Cruises Ltd., Miami, FL. EIN 98-0081645. Annual reports 2009–2025. Also filed as Royal Caribbean Cruises Ltd.

Royal Caribbean Cruises Ltd. has one active retirement plan on file, the Royal Caribbean Cruises Ltd. Ret. Savings Plan, with 6,449 participants and $926 million in assets in 2025. Milliman has been its recordkeeper since 2015. No traditional pension plan appears in Royal Caribbean Cruises's filings since 2009.

Active plans: 1
Participants: 6,449
Plan assets: $926 million
401(k) recordkeeper: Milliman
Plans on file: 2
Industry: Transportation and warehousing

All 2 plans

Active plans first

Royal Caribbean Cruises Ltd. Ret. Savings Plan

401(k)Active

Active. The plan filed its annual report for the 2025 plan year.

Plan number: 003Employer EIN 98-0081645
Participants (2025): 6,449
Net assets (2025): $926 million
Recordkeeper: Milliman2015–2025
Plan administrator: Royal Caribbean Cruises Ltd.
1050 Caribbean Way
Miami, FL 33132
(305) 982-2945As filed for 2025
In effect since: April 1, 1991

Plans merged into this one: Royal Caribbean Cruises Ltd Et Al Retirement Plan (2015).

Earlier plan names: Royal Caribbean Cruises Ltd. 401K Plan; Royal Caribbean Cruises Ltd. 401(k) Plan; Royal Caribbean Cruises Ltd 401(k) Plan.

Year by year, 2009 to 2025

Plan year	Participants	Net assets	Recordkeeper
2025	6,449	$926 million	Milliman
2024	6,350	$787 million	Milliman
2023	6,230	$678 million	Milliman
2022	6,377	$573 million	Milliman
2021	6,815	$660 million	Milliman
2020	6,696	$569 million	Milliman
2019	7,469	$518 million	Milliman
2018	6,668	$418 million	Milliman
2017	6,232	$432 million	Milliman
2016	5,847	$374 million	Milliman
2015	5,403	$339 million	Milliman
2014	4,478	$92.7 million	not listed
2013	4,333	$86.2 million	not listed
2012	4,358	$71.2 million	not listed
2011	4,224	$61.4 million	not listed
2010	4,301	$58.1 million	not listed
2009	4,012	$49.2 million	not listed

Royal Caribbean Cruises Ltd Et Al Retirement Plan

Profit-sharing planMerged

Merged. In 2015 its assets moved to the Royal Caribbean Cruises Ltd. 401(k) Plan, sponsored by Royal Caribbean Cruises Ltd. (EIN 98-0081645, plan 003). Accounts moved with them, so that plan is the one to contact.

Plan number: 001Employer EIN 98-0081645
Participants (2014): 5,113
Net assets (2014): $245 million
Recordkeeper: Milliman2015
Plan administrator: Royal Caribbean Cruises Ltd
1050 Caribbean Way
Miami, FL 33132
(305) 982-4845As filed for 2015
In effect since: December 1, 1971

Earlier plan names: Royal Caribbean Cruises Ltd. Et Al Retirement Plan.

Year by year, 2009 to 2015

Plan year	Participants	Net assets	Recordkeeper
2015	0	$0	Milliman
2014	5,113	$245 million	not listed
2013	5,223	$231 million	not listed
2012	4,798	$198 million	not listed
2011	5,024	$173 million	not listed
2010	4,440	$169 million	not listed
2009	4,374	$141 million	not listed

If you had money in one of these plans

Call Milliman, which runs the Royal Caribbean Cruises Ltd. Ret. Savings Plan. With your Social Security number and the plan name, it can tell you whether you still have a balance and, if not, where it went.
Or call the plan administrator listed on the plan below ((305) 982-2945). That number was filed for 2025; ask for the benefits or retirement plan office.
If your plan was merged, your account moved with it. Follow the link on the plan to the plan it went into, and contact that one.
Still stuck? The Department of Labor's benefits advisers help for free: askebsa.dol.gov or 1-866-444-3272. Never pay anyone to find your own money.

What these numbers are

They come from the Form 5500 annual reports each plan files with the Department of Labor, as the plan filed them. A plan year is usually a calendar year.
Participants counts everyone in the plan at year end: current employees, former employees who still have a balance or a pension coming, and retirees or beneficiaries being paid.
The recordkeeper is the service provider whose Schedule C entry says it keeps the plan's records. Small plans do not file Schedule C, so some plans show none.
We cannot see anyone's account. Only the plan or its recordkeeper can tell you your balance.

Sources: U.S. Department of Labor, Form 5500 datasets and PBGC trusteed plans. How we read them.

All 2 plans

Royal Caribbean Cruises Ltd. Ret. Savings Plan

Royal Caribbean Cruises Ltd Et Al Retirement Plan

If you had money in one of these plans

What these numbers are

Other transportation and warehousing employers in FL