PlanOptica
Free ERISA searchPricing
Sign inStart for $4.99
  1. Companies/
  2. ROYAL CARIBBEAN CRUISES LTD.
Sponsor portfolioTH

ROYAL CARIBBEAN CRUISES LTD.

EIN 98-0081645-leisure, travel & tourism-Latest filing 2025
Plans
4
Retirement
1
$925.9M assets
Welfare
3
$6.0M premiums
Participants
10,980
1050 CARIBBEAN WAY - MIAMI, FL 33132305-982-2945rclcorporate.comLinkedIn10001+ employeesleisure, travel & tourism
Plans on this EIN
4 filings
#003401k-$925.9M - 6,449 part#501Mixed-$4.9M - 5,517 lives#502Fully Insured-$1.1M - 8,344 lives#503Self Funded-0 lives

Benefits portfolio analytics

3 plans / $6.0M premiums / 13,861 covered lives

Coverage by line

Premium dollars by benefit type (bundled lines overlap)

  • Dental$2.3M
  • Life$1.6M
  • Stop-loss$1.1M
  • Long-term disability$1.1M
  • Other$528K
  • Vision$436K
Total $6.0M6 rows

Carrier market share

Premium dollars by Schedule A carrier

Multi-vendor
38%top
  • DELTA DENTAL OF CALIFORNIA38%
  • PRUDENTIAL INSURANCE COMPANY OF AMERICA27%
  • COMBINED INSURANCE COMPANY OF AMERICA19%
  • VISION SERVICE PLAN7%
  • AFLAC6%
  • +2 more
Total $6.0M7 slices

Broker market share

Schedule A broker compensation

Split broker
99%top
  • WILLIS TOWERS WATSON US LLC99%
  • FRANK ROBERT SOBOCINSKI1%
  • SHAUN T KONIOR0%
Total $140K3 slices

Plan deep-dives

Per-plan teasers. The full analytics (fees vs peers, audit grade, trajectory, counterparties) live on each plan detail page.
Retirement#003

ROYAL CARIBBEAN CRUISES LTD. RET. SAVINGS PLAN

401k

Assets$925.9M
Participants6,449
Inside the deep dive
Fees vs peersAudit gradeAsset trajectoryContributionsSch C providers
Open plan deep dive
Welfare#501

ROYAL CARIBBEAN CRUISES LTD. GROUP HEALTH PLAN

Mixed - DELTA DENTAL INSURANCE COMPANY

Premiums$4.9M
Covered lives5,517
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
Open plan deep dive
Welfare#502

LONG TERM DISABILITY PLAN ROYAL CARIBBEAN CRUISES LTD.

Fully Insured - PRUDENTIAL INSURANCE COMPANY OF AMERICA

Premiums$1.1M
Covered lives8,344
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
Open plan deep dive
Welfare#503

ROYAL CARIBBEAN INTERNATIONAL SHIPBOARD OFFICER MEDICAL PLAN

Self Funded

Premiums$0
Covered lives0
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
Open plan deep dive

Retirement plans1

Plan #NameTypeAssetsParticipantsLatest year
003ROYAL CARIBBEAN CRUISES LTD. RET. SAVINGS PLAN401k$925.9M6,4492025

Welfare plans3

Plan #NameFundingCarrierPremiumsCoveredLatest year
501ROYAL CARIBBEAN CRUISES LTD. GROUP HEALTH PLANMixedDELTA DENTAL INSURANCE COMPANY$4.9M5,5172025
502LONG TERM DISABILITY PLAN ROYAL CARIBBEAN CRUISES LTD.Fully InsuredPRUDENTIAL INSURANCE COMPANY OF AMERICA$1.1M8,3442025
503ROYAL CARIBBEAN INTERNATIONAL SHIPBOARD OFFICER MEDICAL PLANSelf Funded-$002025
Retirement plans
Welfare plans
PlanOptica

Plan research for advisors and brokers. Retirement and welfare filings, peer-ranked and a decade deep, sourced to the line.

Product
  • Retirement plans
  • Welfare plans
  • Providers
  • Pricing
Data
  • Downloads hub
  • Retirement plans CSV
  • Welfare plans CSV
  • Custom analytics
Resources
  • Free ERISA search
  • Free EIN lookup
  • Documentation
  • Filter catalog
  • Glossary
Company
  • About
  • Contact
  • Privacy
  • Terms
© 2026 PlanOptica