Royal Caribbean Cruises Ltd.
Overview
Royal Caribbean Cruises Ltd. sponsors a self-funded health plan that covered 3,873 participants in plan year 2025, up 31% from the prior year. The plan year starts in January. Alongside medical, its benefits filing reports life insurance, dental, vision, long-term disability, and more.
- Plan type
- ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
- Participants
- 3,873 · prior year 2,963
- Plan year
- Begins January 1 · next renewal January 2027
- Health plans filed
- Royal Caribbean Cruises Ltd. Group Health Plan, plan 501 (3,873 participants); Royal Caribbean International Shipboard Officer Medical Plan, plan 503 (121 participants)
- Stop-loss carrier
- Florida Blue
- Broker compensation
- $140K across insured contracts
Insurance carriers
Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.
| Carrier | Coverage | Covered | Premium | Broker comp |
|---|---|---|---|---|
| Delta Dental Insurance Company | Dental | 5,517 | $2.3M | — |
| Florida Blue | Stop-loss | 3,899 | $1.1M | — |
| Prudential Insurance Company of America | Life, Long-term disability | 8,344 | $1.1M | $17K |
| Prudential Life Insurance Company of America | Life | 4,452 | $519K | $17K |
| Vision Service Plan | Vision | 3,303 | $436K | — |
| Continental American Insurance Company | Critical Illness, Accident, Hospital Ind | 1,027 | $338K | $71K |
| Arag Insurance Company | Legal | 1,340 | $160K | $29K |
| National Union Fire Ins. Co. of Pittsburgh, PA | Accidental Death & Dismemberment | 4,000 | $30K | $7K |
Pharmacy benefit estimate
StreamRX estimate for a plan this size. Not based on this plan's claims.
Estimated prescription spend: 3,873 participants × $2,371 national average per member. Usually higher once dependents are counted.
Typical savings opportunity found in independent reviews of plans this size.
Form 5500 filing details
- Filing
- Form 5500 with Schedule A, plan year 2025
- Plan sponsor
- Royal Caribbean Cruises Ltd.
- Sponsor EIN
- 98-0081645
- Plan numbers
- 501, 503
- Filed with
- U.S. Department of Labor (EBSA) via EFAST2
Verify this filing: search EIN 98-0081645 in the Department of Labor's EFAST2 Form 5500 search.
Retirement plan
- Plan
- Royal Caribbean Cruises Ltd. RET. Savings Plan
- Type
- 401(k) plan
- Participants
- 6,449
About this data
Source: Royal Caribbean Cruises Ltd.'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 Royal Caribbean Cruises Ltd..