Marriott International, Inc. 401(k) Review & Grade
Marriott Retirement Savings Plan
Bethesda, MDAccommodation & Food Services107,748 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,316Employer $ per active participant
$3,792Employee $ saved per active participant
0.05%Direct admin cost, % of plan assets
$11.7BNet plan assets, end of year
$91,686Average balance per account
Score breakdown
- Employer generosity46.3 / 5092th percentile for employer $ per participant
- Low cost17.9 / 2572th percentile for low admin cost vs. same-size plans
- Employee saving14.3 / 1595th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score78 / 100 · Grade A
This plan vs. peers
Peers: Accommodation & Food Services plans with 10,000+ active participants (41 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 92th |
| Lower admin cost | 72th |
| Employee saving | 95th |
| Peers that auto-enroll | 24% |
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Red flags from the filing
Corrective distributions: the plan refunded $1,022 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Marriott International put in about $2,316 per active participant, more than the typical peer ($393). 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.
- Fund expense ratios aren't in the filing. Look them up in your 404(a)(5) fee disclosure and favor low-cost index or target-date funds.
- 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 | $249,551,760 |
| Participant (employee) contributions | $408,590,708 |
| Other contributions (incl. rollovers in) | $27,747,269 |
| Administrative expenses paid from the plan | $5,315,670 |
| Contract administrator fees | $800,372 |
| Investment advisory & management fees | $137,518 |
| Other admin expenses | $88,160 |
| Benefits paid out | $869,607,800 |
| Net assets, start / end of year | $10.2B / $11.7B |
| Active participants, start / end of year | 101,417 / 114,079 |
| Participants with account balances | 127,452 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cohnreznick LLP |
| Employer stock held by plan | $1,983,658,937 |
Largest service providers (Schedule C)
| Alight Solutions LLC | $3,895,397 reported compensation |
| Marriott International Inc. | $1,156,533 reported compensation |
| Nepc | $137,518 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009101330NAL0003488915001, received 2025-10-09, EIN 52-2055918, plan #004, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.