Home Depot U.S.a., Inc.

Atlanta, GA RetailNAICS 444110

Self-funded health planPlan year 2025Renews January
38,859Participants+4% vs. prior year
$92.1MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#1 of 19Retail in GABy participants

Overview

Home Depot U.S.a., Inc. sponsors a self-funded health plan that covered 38,859 participants in plan year 2025, up 4% from the prior year. The plan year starts in January. Alongside medical, its benefits filing reports short-term disability, death benefits.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
38,859 · prior year 37,396
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Home Depot Texas Employee Accident Plan, plan 509 (38,859 participants)
MedicalShort-term disabilityDeath benefitsOther welfare benefits

Pharmacy benefit estimate

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

$92.1M/ year

Estimated prescription spend: 38,859 participants × $2,371 national average per member. Usually higher once dependents are counted.

$2.4M–$5.9M/ year

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

Brands with a generic available$700K–$1.8M
Lower-cost therapeutic alternatives$1.0M–$2.1M
Generic pricing vs. actual cost$442K–$1.3M
PBM contract terms$230K–$691K
The DOL's PBM fee disclosure rule first applies to this plan for the plan year beginning January 2028: semiannual PBM compensation reports and an annual audit right.

Form 5500 filing details

Filing
Form 5500 with Schedule A, plan year 2025
Plan sponsor
Home Depot U.S.a., Inc.
Sponsor EIN
58-1853319
Plan number
509
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 58-1853319 in the Department of Labor's EFAST2 Form 5500 search.

About this data

Source: Home Depot U.S.a., Inc.'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 Home Depot U.S.a., Inc..

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