DaVita Inc. 401(k) match: 3% max
DaVita Retirement Savings Plan · DVA · CIK 927066
Maximum employer match, as a share of pay
3%
DaVita Inc. matches 50% of the first 6% of pay.
From the Form 11-K filed June 17, 2026 ↗, covering the plan year ended December 31, 2025. Page data last updated July 28, 2026, when the Form 5500 bulk data was last refreshed. Why filings lag
On this page: what the employer actually paid in · the formula, word for word · when the money becomes yours · who can join · what the plan reports to the DOL · how it compares · what to do next
What DaVita puts in, and what the plan costs
What DaVita put into the plan, per active participant
$1,404
DaVita Inc. put $1,404 into this plan for each of its 56,918 active participants in plan year 2024. This is the whole employer side of the plan: matching money, profit sharing, non-elective and safe-harbor contributions, and reallocated forfeitures. The Form 5500 does not separate them, so this is what the employer put in and not the match.
DaVita put in less per active participant than 57% of plans with 5,000+ participants in healthcare. The middle plan in that group of 265 reported $1,784. Healthcare comes from business code 621492, which DaVita entered on its own Form 5500. Sponsors pick that code themselves, so a code that does not describe what the employer does ranks the plan against the wrong companies.
Matched to this employer by sponsor name, not by an identifier stated in the filing. This record could cover another plan of the same employer.
What this figure cannot separate: how much DaVita pays, and how much it puts in
This is dollars, not a rate. A Form 5500 carries no payroll, so the figure reflects both how much the employer puts in and how much the employer pays: two plans running the same formula report different amounts when one pays better. Crossing the peer group with industry holds most of that difference still, and none of it disappears.
This is one plan year, not an average. A true-up, a plan merger or a one-off contribution moves a single year on its own.
Source: DOL Form 5500 for the plan year ended December 31, 2024, EIN 510354549, plan 001 · DOL EFAST2 ↗
The $1,404 above is the Form 5500 figure for plan year 2024, and it counts every employer dollar on one line. DaVita Inc. also files a Form 11-K, which states the match formula for plan year 2025: the card below reads $1,485 a year at a $49,500 salary. That second figure is what the formula pays one worker on that salary, and not an amount either filing reports. The two figures cover different plan years and measure different things, so neither one is the other one corrected.
What DaVita puts in
$1,485
a year, at a $49,500 salary.
The match paragraph, word for word
“The Company has elected to make a discretionary matching contribution to the Plan for each eligible Participant in an amount equal to 50% of the Participant’s contributions, up to six percent of Compensation per each pay period. However, if the Participant had a minimum base salary of $120 and was in a position of director or above as of December 31 of the prior Plan Year, the maximum match in the current Plan Year for that Participant is $3.6. The matching contribution is calculated on a payroll by payroll basis, funded annually the following January and is only allocated to Participants who are employed on the last day of the Plan Year (unless the Participant died, became Totally and Permanently Disabled, or terminated on or after Normal Retirement Age). The Company’s discretionary matching contributions are invested in accordance with the Participant’s investment elections for Participant contributions.”
What you contribute to collect all of it
Contribute at least 6% of your pay to collect the full match.
That is $2,970 a year at a $49,500 salary, and it scales with your own.
Vesting score
64.29 out of 100
How fast the employer’s money becomes yours. Higher than 30% of the 253 schedules we have scored.
It measures vesting speed and nothing else. It says nothing about the size of the match, what the plan charges, or the funds inside it.
Share of the employer's money that is the worker's at hire and at each of the first 6 anniversaries: 0%, 25%, 50%, 75%, 100%, 100%, 100%. The score is the average of those 7 readings.
Vesting, word for word
“Participants in the Plan will always be 100% vested in their section 401(k) contributions, including their Roth contributions, and their rollover contributions and earnings thereon. Participants in the Plan prior to January 1, 2018 are 100% vested in employer matching contributions immediately, while Participants joining the Plan on or after January 1, 2018 vest in employer matching contributions 25% per year over a four-year period. Employees become fully vested upon death, Total and Permanent Disability or Normal Retirement Age.”
A worker hired today collects no match for 1 year. This is a filed term, and it does not move the score above.
Eligibility, word for word
“Employees become eligible to participate immediately following the later of the date of hire and attaining the age of 18 (however, a Participant must wait until the first of the month after attaining age 18 and completing 12 months of service before being eligible for the discretionary matching contribution). The Plan does not cover certain classes of individuals such as leased employees, independent contractors, nonresident aliens, residents of the Commonwealth of Puerto Rico, employees covered under a collective bargaining agreement or interns.”
The wait before the match starts and the year-end true-up appear above when the filing states them. Neither is part of the score, and a filing that is silent on one of them is not a plan without it.
What the plan costs, against plans of its size
82nd percentile
$97.53 per participant in plan-paid administrative cost, more expensive than 82% of plans with 5,000+ participants.
What is DaVita's 401(k) match formula?
DaVita's 401(k) employer match tops out at 3% of pay. The match is deposited once a year. One rate up to one limit is the commonest of the four shapes a match formula takes.
| Match formula | 50% of the first 6% of pay |
|---|---|
| Maximum employer match | 3% of compensation |
| Deposited | Once a year |
| Paid in company stock | No, paid in cash or per your investment elections |
| Conditions | Match is styled as discretionary ('The Company has elected to make a discretionary matching contribution'). Calculated on a payroll by payroll basis, funded annually the following January, and allocated only to Participants employed on the last day of the Plan Year (unless the Participant died, became Totally and Permanently Disabled, or terminated on or after Normal Retirement Age). Participants with a minimum base salary of $120,000 in a position of director or above as of December 31 of the prior Plan Year are capped at a $3,600 match for the current Plan Year. |
At a $75,000 salary, contributing 6% ($4,500) earns the full employer match of $2,250 for the year.
What the filing says, word for word
“The Company has elected to make a discretionary matching contribution to the Plan for each eligible Participant in an amount equal to 50% of the Participant’s contributions, up to six percent of Compensation per each pay period. However, if the Participant had a minimum base salary of $120 and was in a position of director or above as of December 31 of the prior Plan Year, the maximum match in the current Plan Year for that Participant is $3.6. The matching contribution is calculated on a payroll by payroll basis, funded annually the following January and is only allocated to Participants who are employed on the last day of the Plan Year (unless the Participant died, became Totally and Permanently Disabled, or terminated on or after Normal Retirement Age). The Company’s discretionary matching contributions are invested in accordance with the Participant’s investment elections for Participant contributions.”
Source: Form 11-K filed June 17, 2026, SEC EDGAR, corroborated by the filing's inline-XBRL facts · SEC ↗
What is DaVita's 401(k) vesting schedule?
DaVita vests the employer match on a graded schedule: 25% after one year, rising to 100% after four. Each step is money that leaves with you that year, which is how a graded schedule differs from a cliff.
| Employer match vesting | Graded: 25% at 1 yr, 50% at 2 yr, 75% at 3 yr, 100% at 4 yr |
|---|---|
| Your own contributions | Immediate: always 100% yours |
| Accelerated vesting | Full vesting upon death, Total and Permanent Disability or Normal Retirement Age. Participants in the Plan prior to January 1, 2018 are 100% vested in employer matching contributions immediately. |
Vesting, word for word
“Participants in the Plan will always be 100% vested in their section 401(k) contributions, including their Roth contributions, and their rollover contributions and earnings thereon. Participants in the Plan prior to January 1, 2018 are 100% vested in employer matching contributions immediately, while Participants joining the Plan on or after January 1, 2018 vest in employer matching contributions 25% per year over a four-year period. Employees become fully vested upon death, Total and Permanent Disability or Normal Retirement Age.”
Source: Form 11-K filed June 17, 2026, SEC EDGAR · SEC ↗
Who can join DaVita's 401(k), and is enrollment automatic?
DaVita enrolls new hires automatically at 6% of pay, rising 1% a year to 10% of pay.
| Plan entry | Immediately following the later of the date of hire and attaining the age of 18 |
|---|---|
| Match eligibility | First of the month after attaining age 18 and completing 12 months of service |
| Excluded groups | Leased employees, independent contractors, nonresident aliens, residents of the Commonwealth of Puerto Rico, employees covered under a collective bargaining agreement, and interns |
| Automatic enrollment | Yes: default deferral 6% of pay; auto-escalation +1%/yr to 10%; default investment: JPMorgan SmartRetirement Passive Blend funds, depending upon the age of the Participant |
Eligibility, word for word
“Employees become eligible to participate immediately following the later of the date of hire and attaining the age of 18 (however, a Participant must wait until the first of the month after attaining age 18 and completing 12 months of service before being eligible for the discretionary matching contribution). The Plan does not cover certain classes of individuals such as leased employees, independent contractors, nonresident aliens, residents of the Commonwealth of Puerto Rico, employees covered under a collective bargaining agreement or interns.”
Automatic enrollment, word for word
“All new employees of the Company, except employees from plans merged into the Plan, are automatically enrolled in the Plan at a pre-tax deferral rate of six percent of Compensation upon meeting the eligibility requirements as described above. (c) Automatic Increase Contributions Participants who are deferring at least one percent but no more than nine percent of Compensation per pay period will have their deferral rate increased annually by one percent each January 1st until their deferral rate reaches 10%.”
Source: Form 11-K filed June 17, 2026, SEC EDGAR · SEC ↗
What does the DaVita plan report on Form 5500?
The DaVita plan reported $3.8B in assets and 78,900 participants for plan year 2024.
Matched to this employer by sponsor name, not by an identifier stated in the filing. This record could cover another plan of the same employer.
| Plan named in the DOL record | DaVita Retirement Savings Plan |
|---|---|
| Total plan assets | $3,814,125,580 |
| Participants | 78,900 |
| Recordkeeper | Voya Financial (Trustee And Recordkeeper); State Street Corporation (Custodian Of DaVita Stock Fund Shares) |
| Plan-paid admin cost per participant | $97.53 |
How that cost compares
This plan pays $97.53 per participant. The median across plans in healthcare is $95.79, from the 6,621 of 6,908 whose Form 5500 yields a per-participant cost.
DaVita Retirement Savings Plan on its Form 5500 filing: fees, providers and financials
How does DaVita's 401(k) match compare?
DaVita Inc.'s maximum 401(k) match of 3% of pay compares with a median of 4.5% across the 181 companies in our data with a computable formula.
Employers worth reading next
Of the six employers below, one files in healthcare, four land near DaVita's maximum match and one vests on the same schedule.
Maximum match 5% of pay. Also in healthcare.
Maximum match 3% of pay, level with DaVita.
Maximum match 3% of pay, level with DaVita.
Maximum match 3% of pay, level with DaVita.
Maximum match 3% of pay, level with DaVita.
Maximum match 5% of pay. Also fully vested after 4 years, like DaVita.
What can you do next?
Check your own balance and contribution rate at Voya ↗, the recordkeeper this plan reports.
- Read the Form 11-K on SEC EDGAR ↗
Form 11-K filed June 17, 2026, SEC EDGAR. Every match fact on this page comes from it.
- Changed jobs? Find an old 401(k) ↗
The Department of Labor's Retirement Savings Lost & Found, a free government database.
- This year's IRS contribution limits ↗
The official deferral and catch-up limits every formula operates under.
- Download this data (CSV)
Formula, vesting and source references for this company, one file.
Questions this filing answers
What is DaVita Inc.'s 401(k) match?
DaVita Inc. matches 50% of employee contributions up to 6% of eligible pay (plan year ended December 31, 2025).
When does the DaVita Inc. 401(k) match vest?
Graded: 25% at 1 yr, 50% at 2 yr, 75% at 3 yr, 100% at 4 yr.
Does DaVita Inc.'s 401(k) plan have automatic enrollment?
Yes: default deferral 6% of pay; auto-escalation +1%/yr to 10%; default investment: JPMorgan SmartRetirement Passive Blend funds, depending upon the age of the Participant.
Cite: 401(k) Monitor, “DaVita Inc. 401(k) plan facts”, from SEC Form 11-K accession 0000927066-26-000096, plan year ended 2025-12-31.