Marriott Employee Benefits

Which Marriott Employee Financial Benefits Should You Prioritize?


Working at Marriott comes with a host of benefits. As a valued team member, it’s essential to understand the array of employee benefits that Marriott offers to enhance your financial well-being. In this blog, we’ll explore the key financial perks of a Marriott employee and guide you on prioritizing the benefits that can contribute to your long-term financial success.

What financial benefits do Marriott employees receive?  

1. Marriott 401(k) Plan

In my opinion, this employee benefit should be at the top of your priority list. Marriott provides a generous 401(k) matching program, contributing to your retirement savings as you contribute a portion of your salary.

To be eligible for the Marriott 401(K), you must be a full-time employee, over the age of 18, be paid through the Marrpay payroll system, and have worked at the company for at least 60 continuous days. You can contribute anything from 1% to 80% of your weekly pay. Marriott matches 100% of your 401(k) contributions up to 5% of your weekly pay.

If you do leave Marriott, you can leave the money in the plan, roll it over to your new employer’s 401(k) plan, or cash it out. If you decide to leave your 401(k) money behind, the balance must be at least $5,000. A balance below that may be automatically cashed out or rolled over to an employer-selected IRA.

2. Equity compensation

Marriott provides equity compensation options, allowing you to choose between Non-Qualified Stock Options (NSOs), Incentive Stock Options (ISOs), and Restricted Stock Units (RSUs). NSOs, ISOs, and RSUs are substantial employee benefits.

NSOs allow you to purchase Marriott stocks at a specific price, while ISOs enable you to purchase stock at a discounted price with potential tax breaks on the profit. Stock options encourage you to stay employed at Marriott longer because there is typically a vesting period before you can exercise your stock options.

RSUs are the most common type of equity compensation offered at Marriott. RSUs vest over time, but unlike stock options, you don’t have to purchase them. Once they vest, they are no longer restricted. As a result, RSUs often carry less risk than stock options.

For example, a company might offer you a $100,000 cash salary with $30,000 worth of RSUs that vest over the next four years. If the value of Marriott’s stock stays the same, you can expect to receive $7,500 of company stock each year. This would bring your total cash + stock compensation to $130,000 annually.

If you wanted a higher salary, you could either ask for more cash or more RSUs. Marriott tends to favor stock over cash, motivating employees to stay with the company longer.

(Don’t forget to download the ‘What Issues Should I Consider Regarding My Restricted Stock Units?’  guide if you haven’t already).

It’s important to understand the risks and rewards of balancing stock vs cash compensation. We recommend consulting a fee-only financial advisor to see what the right combination may be for you.

3. Become a shareholder through the Employee Stock Purchase Plan (ESPP)

The ESPP at Marriott offers a unique opportunity to become a shareholder in the company by allowing you to purchase Marriott stocks at a 15% discount. The seamless payroll deductions make contributing to the ESPP convenient and consistent. This discounted rate opens the door for you to invest in the company’s future and share in its potential growth. It’s a unique way to align your financial interests with the success of Marriott.

While the benefits of ESPP are substantial, it’s essential to be aware of the tax implications, especially when selling ESPP shares. The taxation of ESPP shares upon sale may involve a higher tax rate depending on when you sell them. Understanding these tax considerations ensures informed decision-making when it comes to managing your ESPP investments.

Curious if you will have to pay tax on your ESPP? Find out here!

4. Get free healthcare benefits, choose from an array of medical plans, and potentially invest in an HSA

For US-based employees, Marriott offers a choice of medical plans at different price points. There is also the option to enroll in a Health Savings Account (HSA). An HSA allows you to save pre-tax money and withdraw it tax-free, as long as you use it for qualified medical expenses.

Marriott’s employee health benefits extend beyond traditional medical coverage, encompassing preventive care, telemedicine for immediate support, personalized coaching, specialized pregnancy care, and fertility benefits to support your growing family. It’s a holistic approach designed to meet your diverse healthcare needs.

5. Invest in your continued growth with the tuition assistance program

Marriott’s commitment to employee development extends to its Tuition Assistance Program. If you’re looking to advance your career through continued education, this program provides financial support to do this. Investing in your skills and career growth can contribute to future career advancements and potentially lead to a salary increase.

  • Free preventive care:
    • Your health is priceless, and Marriott recognizes this by covering the cost of your annual exam and various preventive health screenings. Proactive measures are key to maintaining good health.

  • Free or low-cost telemedicine:
    • Quick access to medical advice is just a call or click away. Marriott’s telemedicine services allow you to connect with a doctor 24/7 through video, phone, or secure email, providing convenient and cost-effective healthcare solutions from anywhere.

  • Free access to health coaches:
    • Personalized support is at your fingertips. Enjoy one-on-one, confidential guidance tailored to your wellness journey. Health coaches address various aspects, including nutrition, exercise, stress management, and high blood pressure. They can also facilitate connections with health professionals to ensure comprehensive care.

  • Pregnancy care:
    • Marriott’s medical plans include free maternity programs and incentives, offering both savings and access to a dedicated nurse. Feel confident and supported with professional guidance for any pregnancy-related questions as you prepare to welcome your little one.

  • Fertility benefits:
    • Growing your family is a personal and unique journey, and Marriott is here to provide support. The employee fertility benefits cover essential medical services, grant access to fertility specialists, and offer a dedicated care team. Navigating the complexities of this journey becomes more manageable with the assistance and resources provided.

Understanding and utilizing these employee benefits not only contribute to your well-being but can also lead to savings on overall healthcare costs.

6. Save money on your daily travel

Do you know about the Marriott commuter benefit? You can deduct the cost of public transportation, van-pooling, and parking from your paycheck before taxes (up to the IRS limit). Initially, this may not seem like much, but it will save you money over time.

Do Marriott employees get friends and family discounts?

More than 8,500 Marriott hotels worldwide offer generous discounts to Marriott associates and their families. This employee benefit allows you to save on your travels and explore the world at a reduced cost.

Make the most of your Marriott employee benefits in 2024

Your journey with Marriott is about more than the tasks you perform daily; it’s about crafting a fulfilling and secure future. By understanding and prioritizing these financial benefits, you can maximize your financial well-being and make informed choices that align with your aspirations. Take charge of your financial future with Marriott’s exceptional employee benefits.

If you are interested in a comprehensive financial plan as a Marriott employee, schedule a free discovery call with one of our fee-only financial planners today.

Best Financial Planner Washington DC

Alvin Carlos, CFP®, CFA is an investment advisor and fee-only financial planner, in Washington, D.C that works with clients across the country. He has a Master’s degree in International Relations from SAIS-Johns Hopkins. Alvin is a partner of District Capital, a financial planning firm designed to help professionals in their 30s and 40s achieve their financial goals through smart investing, reducing taxes, retirement planning, and maximizing their money. Schedule a free discovery call to learn how we can help elevate your finances.


District Capital is an independent, fee-only financial planning firm. We help professionals and entrepreneurs in their 30s and 40s elevate their finances and maximize their money. We are based in Washington, D.C and we work with people virtually nationwide.

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