DaVita Retirement Savings Plan
DaVita Inc. · Denver, CO · EIN 510354549 · Plan 001 · Form 5500 for plan year 2024
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. That is the whole employer side, matching money, profit sharing, non-elective and safe-harbor contributions and reallocated forfeitures together, because the Form 5500 reports them on one line, so it is not the match rate.
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 Inc. 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 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: Form 5500 filing for the plan year ended December 31, 2024, received by the DOL July 9, 2025 · 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 on its own for plan year 2025: the section 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 the plan cost, per participant
$97.53
The plan paid $97.53 per participant in plan-paid administrative expenses in plan year 2024, more expensive than 82% of plans with 5,000+ participants. The middle plan of that size paid $54.84.
Why a plan this big pays less per person before anything else
Bigger plans pay less per head by construction, because the same negotiated bill divides across more people. That is why this ranking sits inside the plan's own size cohort and is never taken across all plans.
Schedule H reports only what came out of plan assets. Fees the sponsor pays directly, and fees taken inside fund expense ratios, never appear here, so this is a floor and not the all-in cost.
401(k) Monitor Score
36 out of 100
Where this plan stands against plans of its size and industry on two amounts its Form 5500 reports: employer money in per active person, and plan-paid cost per person. It reads no match formula, no vesting schedule and no fund lineup, because a Form 5500 states none of them.
- What the employer put in, per active participant: $1,404. Lower than 57% of plans with 5,000+ participants in healthcare.
- What the plan cost, per participant: $97.53. Cheaper than 18% of plans with 5,000+ participants.
On this page: the match and vesting terms · what to check next · every figure on the filing · fees itemised · the plans this one is ranked against · service providers
The match and vesting terms, from a Form 11-K
The match formula and the vesting schedule are stated in a Form 11-K, which is filed only by employers whose plan holds company stock. A Form 5500 reports neither.
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.
The match, vesting and eligibility terms above are read from the Form 11-K filed by DaVita Inc., whose page states the full formula, the vesting schedule and the sentence behind each one.
Matched to this employer by sponsor name, not by an identifier stated in the filing. That Form 11-K covers DaVita Retirement Savings Plan.
What to check next
Collecting the whole match
DaVita’s Form 11-K pays the whole match at 6% of pay, which is $1,485 a year at a $49,500 salary and scales with your own. Your payslip and your recordkeeper account both show the rate you set. A rate below 6% collects less than the whole match.
That Form 11-K covers plan year 2025. The plan’s Summary Plan Description states the terms in force, and the plan administrator must provide it to participants on request.
What to ask about the fees
This plan paid $97.53 per participant out of plan assets, more than 82% of plans with 5,000+ participants, where the middle plan paid $54.84. The filing does not say what the difference buys. Two questions put that to a benefits or HR team: what the recordkeeping and administration contract costs, and how much of it comes out of participant accounts rather than being paid by DaVita. The lines this total is made of are further down.
Your own numbers are not on this page
Every figure here is the whole plan for plan year 2024, taken from one filing and divided by headcounts. Your own contribution rate, your balance and the fees taken from your account are on your recordkeeper’s site. What you may put in during a year is set by the IRS and not by the plan: this year’s limits ↗.
Key figures
| Total plan assets, end of year | $3,814,125,580 |
|---|---|
| Net assets | $3,814,125,580 |
| Participants, beginning of year | 78,900 |
| Of which active | 56,918 |
| Plan type | Single employer |
| Size cohortThe peer group we rank fees against. | 5,000+ participants |
| Employer share of the money that went in, plan year 2024The rest came from employees, who put in $316,588,069. The share falls when employees save more, so a plan whose staff contribute heavily reads lower here through no act of the employer. It is printed as a fact and it is not part of the score. | 20% |
Plan-paid administrative expenses
The plan paid $7,695,127 in administrative expenses in plan year 2024, across 78,900 participants: $97.53 per participant.
| Contract administrator fees | $77,523 |
|---|---|
| Professional fees | not reported in filing |
| Investment management fees | $3,707,176 |
| Other administrative fees | $911,509 |
These are plan-paid expenses from Schedule H only. Fees the sponsor pays directly, and fees embedded in fund expense ratios, never appear here. This figure is a floor, not the all-in cost, and a low number is not “free”.
The plans this one is ranked against
Fees on this page are ranked against the 5,000+ participant cohort, where the median plan pays $54.84 per participant. The sponsor files from Colorado, one of 1,036 plans on file there, at a median of $123.54 per participant. Its business code places the plan in healthcare, one of 6,908 on file, which run to a median of $95.79.
Plans of a similar size in Colorado
| Plan | Participants | Cost per participant |
|---|---|---|
| JBS 401(k) Savings PlanJBS USA Food Company Holdings | 51,870 | $20.73 |
| Pilgrim's Pride Retirement Savings PlanPilgrim's Pride Corporation | 42,223 | $13.68 |
| Global Medical Response, Inc. 401(k) PlanGlobal Medical Response, Inc. | 39,954 | $56.27 |
| Vail Resorts 401(k) Retirement PlanThe Vail Corporation Dba Vail Associates, Inc. A Colorado Corporation | 32,694 | $27.20 |
Service providers (Schedule C)
| Provider | Service codes | Direct comp. ($) | Indirect comp. ($) |
|---|---|---|---|
| Voya Institutional Plan Services | 65, 49, 37 | 3,866,328 | 0 |
| Voya Retirement Advisors, LLC | 26 | 3,608,188 | not reported |
| Aon | 16 | 98,988 | not reported |
| Moss Adams | 14 | 44,100 | not reported |
Useful links
- Find a 401(k) you left at an old job ↗
The DOL's Retirement Savings Lost & Found. Free and official.
- Look up this plan's full Form 5500 ↗
The DOL's own filing search. Search by plan or sponsor name.
- Download this plan's data (CSV) ↗
Every field on this page, one row, ready for a spreadsheet.
Source
| Dataset | DOL EFAST2 Form 5500 bulk data (FOIA) |
|---|---|
| Form year | 2024 |
| Filing ACK_ID | 20250709125721NAL0005706369001 |
| Dataset last refreshed | July 28, 2026 |
Bulk dataset at askebsa.dol.gov ↗ · Look up the filing on EFAST2 ↗
Filings lag by design: a plan can file up to 9½ months after its year ends, so this is the newest data on file. Why filings lag
Cite this page
401(k) Monitor, "DaVita Retirement Savings Plan: Form 5500 facts", from DOL EFAST2 filing 20250709125721NAL0005706369001, plan year ended December 31, 2024. 401(k) Monitor Score 36 out of 100 (exact value 35.73).