Costco Wholesale Corporation

Issaquah, WA RetailNAICS 445110

Self-funded health planPlan year 2025Renews September
13,254Participants+9% vs. prior year
$31.4MEst. pharmacy spend / yrParticipants × national avg.
Sep 2027Next renewalPlan year begins September 1
#1 of 11Retail in WABy participants

Overview

Costco Wholesale Corporation sponsors a self-funded health plan that covered 13,254 participants in plan year 2025, up 9% from the prior year. The plan year starts in September. Alongside medical, its benefits filing reports dental, vision, short-term disability, death benefits.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
13,254 · prior year 12,158
Plan year
Begins September 1 · next renewal September 2027
Health plans filed
Costco Wholesale Corporation Texas Injury Benefit Plan, plan 513 (13,254 participants)
MedicalDentalVisionShort-term disabilityDeath benefitsOther welfare benefits

Pharmacy benefit estimate

StreamRX estimate for a plan this size. Not based on this plan's claims.

$31.4M/ year

Estimated prescription spend: 13,254 participants × $2,371 national average per member. Usually higher once dependents are counted.

$817K–$2.0M/ year

Typical savings opportunity found in independent reviews of plans this size.

Brands with a generic available$239K–$597K
Lower-cost therapeutic alternatives$349K–$729K
Generic pricing vs. actual cost$151K–$453K
PBM contract terms$79K–$236K
The DOL's PBM fee disclosure rule first applies to this plan for the plan year beginning September 2027: semiannual PBM compensation reports and an annual audit right.

Form 5500 filing details

Filing
Form 5500 with Schedule A, plan year 2025
Plan sponsor
Costco Wholesale Corporation
Sponsor EIN
91-1223280
Plan number
513
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 91-1223280 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Costco 401k Retirement Plan
Type
401(k) plan
Participants
279,798

About this data

Source: Costco Wholesale Corporation's Form 5500 filing for plan year 2025 and its Schedule A insurance reports, published by the U.S. Department of Labor. "Self-funded" means the filing reports benefits paid from employer assets or a trust, with no medical insurance contract or with a stop-loss contract. Pharmacy figures are StreamRX estimates based on national averages. StreamRX is not affiliated with Costco Wholesale Corporation.

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