DAVITA RETIREMENT SAVINGS PLAN Contribution & Employer Match
How DAVITA INC. Supports Your Retirement Savings
DAVITA INC. provides retirement savings benefits through DAVITA RETIREMENT SAVINGS PLAN. Understanding your employer’s contribution structure is essential — it directly affects how quickly your retirement nest egg grows. Below you will find the plan’s average account values and contribution patterns based on publicly filed data.
DAVITA RETIREMENT SAVINGS PLAN Average Participant Retirement Account Value
DAVITA RETIREMENT SAVINGS PLAN Estimated Average Employee Contribution Amount
269,755.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,214.00 in DAVITA RETIREMENT SAVINGS PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in DAVITA RETIREMENT SAVINGS PLAN
An employer match is one of the most valuable benefits in any 401(k) plan — it is essentially free money added to your retirement savings. Your employer contributes additional funds based on a percentage of your own contributions. Missing out on the full match is one of the most common and costly retirement mistakes employees make.
DAVITA RETIREMENT SAVINGS PLAN Total Employer Contribution and Match Rate
DAVITA RETIREMENT SAVINGS PLAN Estimated Average Employer Match
Investing in this additonal $1,012.00 for 20 years would give you extra $64,826.00, assuming a 10% annual return.
* Data are from public filings.
Are You Leaving Dollars on the Table?
If you are not contributing enough to capture the maximum employer match, you are literally turning down part of your compensation. For many plans, this can mean thousands of dollars per year in lost employer contributions — money that would compound over decades.
Use the policy details and calculator below to find out exactly how much you need to contribute to capture every dollar of employer matching.
DAVITA RETIREMENT SAVINGS PLAN Contribution & Match Policy
DAVITA RETIREMENT SAVINGS PLAN Contribution, Match and Other Plan Policies
- Participants may elect to contribute a minimum of one percent and maximum of 75% of their Compensation, subject to the legal limit allowed by the Code, into any of the investment options offered by the Plan.
- All new employees of the Company, except employees from plans transferred 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.
- Participants who have attained the age of 50 before the close of the Plan Year are also eligible to make catch-up contributions in accordance with, and subject to, the legal limitations of the Code.
- 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.
- Participants in the Plan will always be 100% vested in their section 401(k) 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.
2025 IRS 401(k) Contribution Limits
The IRS sets annual limits on how much you and your employer can contribute to a 401(k) plan. Knowing these limits helps you maximize tax-advantaged savings. Here are the current limits:
| 2024 | 2025 | |
|---|---|---|
| Employee elective deferrals (pretax + Roth) | $23,000 | $23,500 |
| Employee + employer contributions combined | $69,000 | $70,000 |
| Catch-up contributions (age 50+) | $7,500 | $7,500 |
| Enhanced catch-up (ages 60–63, SECURE 2.0) | N/A | $11,250 |
The power of maxing out: If you contribute the full $23,500 annually for 20 years at a 10% average annual return, you would accumulate approximately $1,505,256. If you can maximize the combined employee+employer limit of $70,000 per year, that grows to roughly $4,480,385 over the same period — more than triple.
Use the 401(k) Savings Calculator to model your specific contribution scenario and see how your savings can grow over time.
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