Luxury Hotels International of Puerto Rico, Inc. 401(k) Review & Grade
Marriott International, Inc. Puerto Rico Retirement Plan
Carolina, PRAccommodation & Food Services1,784 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$373Employer $ per active participant
$1,166Employee $ saved per active participant
0.35%Direct admin cost, % of plan assets
$25.2MNet plan assets, end of year
$26,205Average balance per account
Score breakdown
- Employer generosity30.6 / 5061th percentile for employer $ per participant
- Low cost8.7 / 2535th percentile for low admin cost vs. same-size plans
- Employee saving10.1 / 1568th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score49 / 100 · Grade C
This plan vs. peers
Peers: Accommodation & Food Services plans with 500–2,499 active participants (458 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 61th |
| Lower admin cost | 35th |
| Employee saving | 68th |
| Peers that auto-enroll | 17% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Luxury Hotels International of Puerto Rico put in about $373 per active participant, more than the typical peer ($266). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- The filing shows total dollars, not the match formula. Ask HR for the Summary Plan Description so you know the exact match and vesting schedule.
- Direct plan expenses (0.35% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- Changing jobs? You can usually leave the money in the plan, move it to your new employer's plan, or roll it into an IRA. Don't cash out: you'd owe taxes and possibly a 10% penalty.
The raw numbers from the filing
| Employer contributions | $664,927 |
| Participant (employee) contributions | $2,078,707 |
| Other contributions (incl. rollovers in) | $20,262 |
| Administrative expenses paid from the plan | $82,189 |
| Investment advisory & management fees | $12,591 |
| Other admin expenses | $4,786 |
| Benefits paid out | $1,976,033 |
| Net assets, start / end of year | $21.2M / $25.2M |
| Active participants, start / end of year | 1,506 / 2,061 |
| Participants with account balances | 962 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cohnreznick LLP |
| Employer stock held by plan | $3,721,339 |
Largest service providers (Schedule C)
| Oriental Bank | $47,286 reported compensation |
| Nepc | $12,591 reported compensation |
| Alight Solutions LLC | $7,101 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013091924NAL0001583888001, received 2025-10-13, EIN 74-3052234, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.