Marriott Vacations Worldwide Corp.

Orlando, FL Real estateNAICS 531390

Self-funded health planPlan year 2025Renews January
17,028Participants+0% vs. prior year
$40.4MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#1 of 10Real estate in FLBy participants

Overview

Marriott Vacations Worldwide Corp. sponsors a self-funded health plan that covered 17,028 participants in plan year 2025, about the same as the prior year. The plan year starts in January. Alongside medical, its benefits filing reports life insurance, dental, vision, short-term disability, and more.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
17,028 · prior year 17,001
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Mvwc Health & Welfare Benefit Plan (unfunded), plan 501 (17,028 participants)
Stop-loss carrier
Symetra Life Insurance Company
Broker compensation
$110K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilitySeveranceDeath benefits

Insurance carriers

Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.

CarrierCoverageCoveredPremiumBroker comp
Hawaii Medical Service AssociationMedical3,056$30.0M—
Kaiser Foundation Health Plan, Inc.Medical1,801$16.2M—
Metropolitan Life Insurance CompanyShort-term disability, Long-term disability17,222$8.0M$62
Cigna Health and Life Insurance Co.Medical, Dental, Vision349$4.9M—
Metropolitan Life Insurance Co.Life19,833$3.9M$62
Symetra Life Insurance CompanyStop-loss6,635$3.4M—
Vision Service PlanVision8,042$1.4M—
SimnsaMedical, Dental406$1.4M—
Unum Life Insurance Co. of AmericaLong-term disability436$373K$57K
Triple S. Salud, Inc.Medical, Prescription drug, Dental32$258K—
Provident Life and Accident Insurance CompanyLong-term disability114$187K$52K
Provident Life and Casualty Insurance CompanyLong-term disability33$16K$723

Pharmacy benefit estimate

StreamRX estimate for a plan this size. Not based on this plan's claims.

$40.4M/ year

Estimated prescription spend: 17,028 participants × $2,371 national average per member. Usually higher once dependents are counted.

$1.0M–$2.6M/ year

Typical savings opportunity found in independent reviews of plans this size.

Brands with a generic available$307K–$767K
Lower-cost therapeutic alternatives$448K–$937K
Generic pricing vs. actual cost$194K–$581K
PBM contract terms$101K–$303K
The DOL's PBM fee disclosure rule first applies to this plan for the plan year beginning January 2028: semiannual PBM compensation reports and an annual audit right.

Form 5500 filing details

Filing
Form 5500 with Schedule A, plan year 2025
Plan sponsor
Marriott Vacations Worldwide Corp.
Sponsor EIN
45-2598330
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 45-2598330 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Marriott Vacations Worldwide Corp. 401(k)
Type
401(k) plan
Participants
22,339

About this data

Source: Marriott Vacations Worldwide Corp.'s Form 5500 filing for plan year 2025 and its Schedule A insurance reports, published by the U.S. Department of Labor. "Self-funded" means the filing reports benefits paid from employer assets or a trust, with no medical insurance contract or with a stop-loss contract. Pharmacy figures are StreamRX estimates based on national averages. StreamRX is not affiliated with Marriott Vacations Worldwide Corp..

Request a correction · Methodology