Vertiv Holdings Co 401(k) match: 3% max
Vertiv Group Corporation Employee Retirement Savings Plan · VRT · CIK 1674101
Maximum employer match, as a share of pay
3%
Vertiv Holdings Co 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 Vertiv puts in, and what the plan costs
What Vertiv put into the plan, per active participant
$2,491
Vertiv Holdings Co put $2,491 into this plan for each of its 4,421 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.
Vertiv put in less per active participant than 68% of plans with 5,000+ participants in industrial and materials manufacturing. The middle plan in that group of 178 reported $3,585. Industrial and materials manufacturing comes from business code 335900, which Vertiv 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.
What this figure cannot separate: how much Vertiv 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 813496944, plan 001 · DOL EFAST2 ↗
The $2,491 above is the Form 5500 figure for plan year 2024, and it counts every employer dollar on one line. Vertiv Holdings Co 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, and the same filing states employer contributions made outside the match. 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 Vertiv puts in
$1,485
a year, at a $49,500 salary.
The match paragraph, word for word
“Basic matching contributions are funded on a quarterly basis utilizing Vertiv Stock, cash, or a combination. Additional basic profit sharing contributions may be contributed at the discretion of the Retirement Committee. No basic profit sharing contributions were made during the year ended December 31, 2025 and 2024. Employees must be employed on the last day of the calendar quarter for which the contribution is made to receive the match (exceptions are made in the case of death, termination of employment on or after reaching the Plan's normal retirement age, or disability during the calendar quarter). Participants not employed on the last day of the calendar quarter as a result of retirement, death or disability will receive an employer matching contribution, to the extent otherwise owed under the formula for the calendar quarter. All contributions are subject to certain limitations of the Code. Eligible employees can elect to enroll in the Plan. If enrolled, the Company matches 50% of the first 6% of compensation that a participant contributes to the Plan. The employer matching contributions may be made in cash or in Vertiv securities at the election of the Company and will be made to participants employed by the Company on the last day of the calendar quarter.”
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
57.14 out of 100
How fast the employer’s money becomes yours. Higher than 4% 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%, 0%, 0%, 100%, 100%, 100%, 100%. The score is the average of those 7 readings.
Vesting, word for word
“For employees hired prior to November 1, 2020, employer matching and basic contributions vest at a predetermined percentage for each full year of service in the Plan, at a rate of 33% per year, with 100% vesting at the end of three years of service (whether or not consecutive). For employees hired on or after November 1, 2020 employer contributions will not vest before 3 years of service. Upon 3 years of service, the contributions will be fully vested. All amounts fully vest upon retirement, or due to death, total and permanent disability, or termination of the Plan. Participants are immediately vested in their contributions plus actual earnings thereon.”
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
95th percentile
$158.75 per participant in plan-paid administrative cost, more expensive than 95% of plans with 5,000+ participants.
What is Vertiv's 401(k) match formula?
Vertiv's 401(k) employer match tops out at 3% of pay. The match is deposited quarterly. 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 | Quarterly |
| Conditions | Employee must be employed on the last day of the calendar quarter for which the contribution is made, with exceptions for death, termination on or after normal retirement age, or disability during the quarter. |
| Other employer contribution | Discretionary basic profit sharing contributions may be made by the Retirement Committee; none were made for 2025 or 2024 |
At a $60,000 salary, contributing 6% ($3,600) earns the full employer match of $1,800 for the year.
What the filing says, word for word
“Basic matching contributions are funded on a quarterly basis utilizing Vertiv Stock, cash, or a combination. Additional basic profit sharing contributions may be contributed at the discretion of the Retirement Committee. No basic profit sharing contributions were made during the year ended December 31, 2025 and 2024. Employees must be employed on the last day of the calendar quarter for which the contribution is made to receive the match (exceptions are made in the case of death, termination of employment on or after reaching the Plan's normal retirement age, or disability during the calendar quarter). Participants not employed on the last day of the calendar quarter as a result of retirement, death or disability will receive an employer matching contribution, to the extent otherwise owed under the formula for the calendar quarter. All contributions are subject to certain limitations of the Code. Eligible employees can elect to enroll in the Plan. If enrolled, the Company matches 50% of the first 6% of compensation that a participant contributes to the Plan. The employer matching contributions may be made in cash or in Vertiv securities at the election of the Company and will be made to participants employed by the Company on the last day of the calendar quarter.”
Source: Form 11-K filed June 17, 2026, SEC EDGAR, corroborated by the filing's inline-XBRL facts · SEC ↗
What is Vertiv's 401(k) vesting schedule?
Vertiv vests the employer match on a cliff schedule: nothing is yours until three years of service, then 100% at once. Leave a day early and the employer money goes back to the plan, the edge a three-year cliff creates.
| Employer match vesting | Cliff: 100% vested after 3 years of service |
|---|---|
| Your own contributions | Immediate: always 100% yours |
| Accelerated vesting | All amounts fully vest upon retirement, death, total and permanent disability, or termination of the Plan |
| Other employer contributions | Employees hired prior to November 1, 2020 vest in employer matching and basic contributions at 33% per full year of service, with 100% vesting at the end of three years of service; the 3-year cliff applies to employees hired on or after November 1, 2020 |
Vesting, word for word
“For employees hired prior to November 1, 2020, employer matching and basic contributions vest at a predetermined percentage for each full year of service in the Plan, at a rate of 33% per year, with 100% vesting at the end of three years of service (whether or not consecutive). For employees hired on or after November 1, 2020 employer contributions will not vest before 3 years of service. Upon 3 years of service, the contributions will be fully vested. All amounts fully vest upon retirement, or due to death, total and permanent disability, or termination of the Plan. Participants are immediately vested in their contributions plus actual earnings thereon.”
Source: Form 11-K filed June 17, 2026, SEC EDGAR · SEC ↗
Who can join Vertiv's 401(k), and is enrollment automatic?
Vertiv's filing does not mention automatic enrollment, which is not the same as the plan having none.
| Plan entry | Upon hire and attainment of age 21 |
|---|---|
| Excluded groups | Certain employees covered by a collective bargaining agreement and other employees as defined in the plan document |
| Automatic enrollment | Not mentioned in the filing (not proof of absence) |
Eligibility, word for word
“Employees are eligible to participate in the Plan upon hire and attainment of age 21. Certain employees who are part of a collective bargaining agreement and other employees, as defined in the plan document, are not eligible to participate in the Plan.”
Source: Form 11-K filed June 17, 2026, SEC EDGAR · SEC ↗
What does the Vertiv plan report on Form 5500?
The Vertiv plan reported $1.1B in assets and 5,208 participants for plan year 2024.
| Total plan assets | $1,132,204,976 |
|---|---|
| Participants | 5,208 |
| Recordkeeper | Vanguard |
| Plan-paid admin cost per participant | $158.75 |
How that cost compares
This plan pays $158.75 per participant. The median across plans in industrial and materials manufacturing is $142.19, from the 5,709 of 6,008 whose Form 5500 yields a per-participant cost.
The plan reports Vanguard as its recordkeeper, one of 2,337 plans it runs in the data we publish. Of those, the 2,333 with a computable fee have a median plan-paid cost of $97.87 per participant.
How does Vertiv's 401(k) match compare?
Vertiv Holdings Co'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, three file in industrial and materials manufacturing, two report the same recordkeeper and one vests on the same schedule.
Maximum match 3% of pay. Also in industrial and materials manufacturing.
Maximum match 3.5% of pay. Also in industrial and materials manufacturing.
Maximum match 3% of pay. Also in industrial and materials manufacturing.
Maximum match 3% of pay. Same recordkeeper, Vanguard.
Maximum match 3.5% of pay. Same recordkeeper, Vanguard.
Maximum match 6% of pay. Same 3-year cliff as Vertiv.
What can you do next?
Check your own balance and contribution rate at Vanguard ↗, 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 Vertiv Holdings Co's 401(k) match?
Vertiv Holdings Co matches 50% of employee contributions up to 6% of eligible pay (plan year ended December 31, 2025).
When does the Vertiv Holdings Co 401(k) match vest?
Cliff: 100% vested after 3 years of service.
Does Vertiv Holdings Co's 401(k) plan have automatic enrollment?
Not mentioned in the filing (not proof of absence).
Cite: 401(k) Monitor, “Vertiv Holdings Co 401(k) plan facts”, from SEC Form 11-K accession 0001628280-26-043906, plan year ended 2025-12-31.