Royal Caribbean Cruises LTD.
Updated Filing received by DOL
Royal Caribbean Cruises LTD., a transportation — truck & rail employer in Miami, Florida, reported 3,600 participants in its health and welfare plans for plan year 2025. Its Form 5500 shows 10 insurance contracts with no premium reported and $123,852 in broker commissions and fees. The plan is self-funded (the employer pays claims itself, with stop-loss coverage from Florida Blue). The Department of Labor received the filing on September 24, 2026, within the extension window.
Who was paid on Royal Caribbean Cruises LTD.'s plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Royal Caribbean Cruises LTD. filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Willis Towers Watson · New York, NY | $123,040 | $0 | $123,040 | 5 |
| Frank Robert Sobocinski · Jupiter, FL | $757 | $0 | $757 | 1 |
| Shaun T Konior · Farmingdale, NY | $55 | $0 | $55 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2025, as published in EBSA's 2025 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Vision Service Planvision | 3,303 | — | — | — |
| Prudential Life Insurance Company of Americalife | 4,452 | — | — | — |
| Delta Dental Insurance Companydental | 5,517 | — | — | — |
| Prudential Life Insurance Company of Americalife | 2,911 | — | $16,564 | — |
| Arag Insurance Companycoverage not coded | 1,340 | — | $28,774 | — |
| Florida Bluestop-loss | 3,899 | — | — | — |
| Delta Dental Insurance Companydental | 1,149 | — | — | — |
| National Union Fire Ins. Co. of Pittsburgh, PAcoverage not coded | 4,000 | — | $5,826 | — |
| National Union Fire Ins. Co. of Pittsburgh, PAcoverage not coded | 4,000 | — | $1,596 | — |
| Continental American Insurance Companycoverage not coded | 1,027 | — | $71,092 | — |
Source: DOL Form 5500 Schedule A, plan year 2025. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Royal Caribbean Cruises LTD. compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Not computable: no insured medical premium on the filing.
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 2,710 | 3,600 | +32.8% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $39,349 | $123,852 | +214.8% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2024 and 2025.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| Royal Caribbean Cruises LTD. Group Health Plan#501 · insurance, general assets | December 31, 2025 | September 24, 2026 | within extension | 3,600 |
| Royal Caribbean International Shipboard Officer Medical Plan#503 · general assets | December 31, 2025 | September 24, 2026 | within extension | 121 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did Royal Caribbean Cruises LTD. pay in health insurance broker commissions in 2025?
Royal Caribbean Cruises LTD.'s 2025 Form 5500 reports $123,852 in broker commissions and fees across 10 insurance contracts ($123,852 in commissions, $0 in fees), with Willis Towers Watson receiving the largest share.
Is Royal Caribbean Cruises LTD.'s health plan self-funded or fully insured?
The 2025 filing indicates the plan is self-funded (the employer pays claims itself, with stop-loss coverage from Florida Blue).
How does Royal Caribbean Cruises LTD.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Royal Caribbean Cruises LTD. because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 1,000-4,999 participants that disclosed broker pay reported a median of $168,579.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.