YOUR RETIREMENT SAVINGS PLAN
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1 Benefits to Smile About Invest in Your Future We are pleased to present you with information about Marriott s 401(k) program to help you save for your retirement. The Retirement Savings Plan1 a 401(k) plan sponsored by Marriott International, Inc. ( Marriott ) is a key to help you reach your retirement goals. By taking the right steps now, your Retirement Savings Plan savings can grow over time and help give you peace of mind for your financial future. 1 The legal name of the Plan is the Marriott International, Inc. Employees Profit Sharing, Retirement and Savings Plan and Trust. YOUR RETIREMENT SAVINGS PLAN H
2 HELPING YOU SAVE At Marriott, taking care of our associates is as important as taking care of our guests. The Retirement Savings Plan is one way we help you take care of your future. You save and Marriott may contribute a match to help you reach your financial goals faster. Review the Summary Plan Description (SPD) on the myhr website to learn more. ENROLL ONLINE AT You can use the myhr website ( to enroll, access fund detail information, request a prospectus, track the performance of your investments, and learn more about your account s overall return. You will need your Enterprise ID (EID) and EID Password to enroll online. ENTERPRISE ID (EID) If you do not know your Marriott Enterprise ID (EID), contact the Marriott Service Desk at EID PASSWORD You re given a temporary EID Password when you re first hired that uses the first letter of your last name and your six-digit birthday (mmddyy). If you don t have computer access, you can also enroll by phone by calling the myhr Service Center at myHR ( ) between 9:00 a.m. and 8:00 p.m. Eastern time, Monday through Friday. The first time you call the myhr Service Center, you ll be asked to set up a myhr Service Center PIN (which is different than your EID Password). If you re calling from outside the United States, call
3 Eligibility Associates with at least 90 days of service at Marriott can start saving in the Plan. HOW MUCH YOU CAN SAVE You decide when to start saving and how much to save. You can enroll in the Plan, change your contribution rate, or cancel your enrollment at any time. SAVE A PERCENTAGE OR DOLLARS You can save a percentage or a fixed dollar amount of your weekly pay. You can save from 1% to 80% of your weekly pay. Or you can save a whole dollar amount from $3 to $999 for each type of contribution (as long as the total of all types of savings does not exceed 80% of your weekly pay). IRS LIMITS IRS rules let you save up to $18,000 of your combined before-tax and Roth 401(k) contributions in You can save an additional $6,000 per year in combined before-tax and Roth 401(k) contributions if you will be age 50 or older by the end of the year. SAVE BEFORE-TAX, ROTH 401(K), OR AFTER-TAX You have the choice on what type of contributions you make. Before-Tax Contributions Roth 401(k) Contributions After-Tax Contributions Taxes on contributions No taxes when you contribute; pay taxes when you withdraw. Pay taxes when you contribute. Pay taxes when you contribute. Taxes on earnings Pay taxes when you withdraw. No taxes if eligible withdrawal*. Pay taxes when you withdraw. Restrictions Penalties and restrictions if you withdraw before age 59½. Penalties and restrictions if you withdraw before age 59½. You can withdraw your prior year money at any time. *Account must be held for at least five years, and you must be at least age 59½, deceased, or disabled. This information refers to federal income taxes only. You are a Highly Compensated Employee (HCE) in 2017 if you made more than $120,000 in 2016 at Marriott. HCEs are limited to a 7% maximum (subject to change) in combined before-tax and/or Roth contributions and also cannot make after-tax contributions. 1
4 Company Match TAKE ADVANTAGE OF THE COMPANY MATCH AND LET YOUR MONEY WORK FOR YOU. Marriott offers a discretionary match up to the first 6% you save. The match is 100% vested which means you immediately own the company match. The best way to maximize your share of the discretionary company match is to contribute at least 6% of your pay every year. To be eligible to share in the company match, you must: Be at least age 21; Have at least one year of service and have completed at least 1,000 hours of service in an anniversary year; and Be employed on the last Friday of the year. The chart below shows an example of what your savings could look like if you save at least 6%. Annual Income: $47,000 Matching Contribution Amount * : 75% on first 3% saved; 25% on next 3% saved You Save 6% First 3%: 3% x $47,000 = $1,410 Next 3%: 3% x $47,000 = $1,410 Company Matching Contribution First 3%: 75% x $1,410 = $1, Next 3%: 25% x $1,410 = $ Your Total Contribution: $2,820 Total Matching Contribution: $1,410 Total Amount Deposited: $4,230 *Matching contribution amount is a discretionary match and varies by year. It is determined at the end of a plan year. This is an illustration. 2
5 Decide How To Invest You have a choice on how to invest your savings in the Retirement Savings Plan. No matter which option you choose, it s a good idea to review your investments from time to time to make sure that your decision is allowing you to reach your goals. If you don t make a selection at the time you enroll, your account will be invested in the Vanguard Target Retirement that s most appropriate for your age (assuming you will retire at age 65). THERE ARE TWO WAYS YOU CAN CHOOSE TO INVEST. YOU PICK ONE WHEN YOU ENROLL: OPTION 1 TARGET RETIREMENT FUNDS Own a portfolio managed by professionals. The Target Retirement s may be a smart choice if you want to take the guesswork out of the equation and let the investment managers take care of the rest. You pick one of six Target Retirement s, choosing the fund closest to the year you expect to retire. As you get closer to the fund s target retirement date, the investment mix will gradually become more conservative. OPTION 2 CORE FUNDS Pick the funds to meet a particular goal. The core funds may be a good choice if you want to choose your own investment mix and regularly monitor your account. You can use the core funds to create your own portfolio based on your long-term savings goals. With the core funds, you decide which funds meet your goals and how much to invest in each fund. The core fund options span a range of asset classes and investment approaches. The enclosed Annual Fee Disclosure Statement includes important information to help you compare the investment options. 3
6 Option 1 Target Retirement s ONE CHOICE, NO GUESSWORK. IT DOESN T GET ANY EASIER THAN THAT. You choose the Target Retirement and leave the investment of the fund to the professionals. The Target Retirement s are managed by Vanguard. You choose the fund that is closest to your retirement goal. If your target retirement date is between the years represented by two funds, you can choose to invest in both funds. As you get closer to retirement, the Target Retirement s mix of stocks, bonds, and cash investments will be adjusted automatically from more aggressive to more conservative Income Years to Retirement About 40 About 30 About 20 About 10 Less Than 5 In Retirement Allocation (as of Stocks: 90% Bonds: 10% 09/30/16) * *Allocation will shift over time. Stocks: 90% Bonds: 10% Stocks: 80% Bonds: 20% Stocks: 65% Bonds: 35% Stocks: 46% Bonds: 54% Stocks: 30% Bonds: 70% Each fund is diversified and has a mix of investments. So when you pick one fund, you re actually investing in multiple funds. Let s look at an example: Vanguard Target Retirement 2035 Percentage of Total Holdings (as of September 30, 2016) Vanguard Total Stock Market Index 48% Vanguard Total International Stock Index 32% Vanguard Total Bond Market II Index 14% Vanguard Total International Bond Index 6% TOTAL 100% Although Target Retirement s can simplify investment selection, keep in mind that all investing is subject to risk. There is always a chance that you may lose money that you invest, including on or after the fund s retirement date. Diversification does not ensure a profit or protect you against a loss in a declining market. 4
7 Option 2 Core Options For those who have a little more time or investing experience, the Plan also offers core fund options. You can choose from a lineup of core funds to create a mix of investments that align with your preferences, comfort with risk, and long-term financial goals. You choose: A mix of investments If you want to invest in more aggressive or conservative funds How much to invest in each core fund Whether to invest in stocks, bonds, or both How to diversify your investments The automatic rebalancing feature helps you to monitor your investments. You can elect to have your investments rebalanced back to your investment mix at the end of every quarter. To sign up, click Retirement Savings > 401(k) Savings > Investments > Change Investments. Core Objectives Asset Class Short-Term Bond Intermediate Bond Seeks to provide income with minimal fluctuation in principal value. The average duration of the portfolio is generally between one and three years. Seeks to provide income representative of the broad bond market. The average duration of the portfolio is generally between four and seven years. Income (Bond) Income (Bond) Balanced Seeks to provide long-term growth and income for stocks and bonds. Balanced Dodge & Cox Stock Portfolio Northern Trust Collective S&P 500 Index Non- Lending Equity Fidelity Contrafund SM Growth International Equity T. Rowe Price Mid-Cap Growth Portfolio Small-Cap Equity Marriott Company Stock Seeks long-term growth of principal and income by investing primarily in a broadly diversified and carefully selected portfolio that, in Dodge & Cox s opinion, appears to be undervalued by the stock market but has a favorable outlook for long-term growth. Seeks to duplicate (as closely as possible) the performance of the Standard & Poor s 500 Index, an index of 500 large U.S. companies. Seeks to provide long-term capital growth by investing in large capitalization stocks. Seeks to provide long-term capital appreciation by investing primarily in common stocks of companies whose value the manager believes is not fully recognized by the public. Seeks to provide long-term capital appreciation by investing in a widely diversified mix of large companies that the manager believes should deliver stronger than expected earnings growth. Seeks to provide long-term capital growth by investing in equity securities of non-u.s. issuers. Seeks to provide long-term capital growth by investing in medium-sized companies. Seeks to provide long-term growth of principal and income by investing in small capitalization stocks. Seeks to provide long-term capital growth by investing in Marriott International, Inc. common stock. Value Equity Index Core Equity Growth Growth International Equity Mid-Cap Equity Small-Cap Equity Employer Stock For details on fees and trading restrictions, as well as more information on the Marriott Company Stock, see the Summary Plan Description. CONSERVATIVE AGGRESSIVE 5
8 LEGAL INFORMATION The Marriott International, Inc. Employees Profit Sharing, Retirement and Savings Plan and Trust ( Retirement Savings Plan or Plan ) is intended to constitute a plan described in Section 404(c) of the Employee Retirement Income Security Act (ERISA) and Title 29 of the Code of Federal Regulations Section (c)-1. As such, the Plan fiduciaries may be relieved of liability for any losses that directly result from investment instructions given by any Plan participant or beneficiary. This document is not designed to provide you with legal or investment advice. To the extent you need those professional services, please contact an attorney or investment advisor. This document is not intended to act as a Summary Plan Description (SPD) or a Plan Document. For more information on the Marriott International, Inc. Employees Profit Sharing, Retirement and Savings Plan and Trust ( Retirement Savings Plan or Plan ), consult your SPD. In the event of a discrepancy between this document, the SPD, or the Plan Document, the Plan Document will be the final authority. Each investment fund s prospectus or profile contains more details about each fund s objectives, strategy, and risks. Read it carefully before you invest. You may request this information by calling the myhr Service Center at myHR ( ) or by writing to the myhr Service Center, PO Box 64075, The Woodlands, TX If you have any questions about how the Plan works or your rights and obligations under the Plan, or if you would like a copy of the Plan SPD or other Plan Documents, please contact the Plan Administrator at: Tracey Ballow, Plan Administrator Marriott International, Inc Fernwood Rd., Dept. 52/ Bethesda, MD myhr is a registered trademark of Hewitt Associates LLC. Dodge & Cox is a registered trademark of Dodge & Cox. Fidelity Contrafund SM is a service mark of FMR Corp. S&P 500 is a registered trademark of The McGraw-Hill Companies, Inc. T. Rowe Price is a registered trademark of T. Rowe Price Group, Inc. Vanguard is a registered trademark of The Vanguard Group, Inc. NOTA: Para obtener una versión en español de esta información, llame al myHR ( ).
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