W W Grainger Inc.

Lake Forest, IL Wholesale tradeNAICS 423800

Self-funded health planPlan year 2025Renews January
19,297Participants+2% vs. prior year
$45.8MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#1 of 29Wholesale trade in ILBy participants

Overview

W W Grainger Inc. sponsors a self-funded health plan that covered 19,297 participants in plan year 2025, up 2% from the prior year. The plan year starts in January. Alongside medical, its benefits filing reports dental, vision, short-term disability, long-term disability, and more.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
19,297 · prior year 18,845
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
W W Grainger Inc. Group Benefit Plan II, plan 504 (19,297 participants); W W Grainger Inc. Group Benefit Plan I, plan 501 (355 participants)
Broker compensation
$229K across insured contracts
MedicalDentalVisionShort-term disabilityLong-term disabilitySeveranceDeath benefitsOther welfare benefits

Insurance carriers

Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.

CarrierCoverageCoveredPremiumBroker comp
Metropolitan Life Insurance CompanyLong-term disability7,245$2.9M$92K
Eyemed Vision CareVision13,103$2.2M$73K
Triple S Salud, Inc.Medical, Prescription drug, Dental, PPO101$926K$46K
Cigna Health and Life Insurance CompanyMedical, Dental, MBA Coverage, HMO3,029$814K—
Kaiser Foundation Health Plan, Inc.Medical88$488K$19K

Pharmacy benefit estimate

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

$45.8M/ year

Estimated prescription spend: 19,297 participants × $2,371 national average per member. Usually higher once dependents are counted.

$1.2M–$2.9M/ year

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

Brands with a generic available$348K–$869K
Lower-cost therapeutic alternatives$508K–$1.1M
Generic pricing vs. actual cost$220K–$659K
PBM contract terms$114K–$343K
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
W W Grainger Inc.
Sponsor EIN
36-1150280
Plan numbers
504, 501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 36-1150280 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
W. W. Grainger, Inc. Retirement Savings Plan
Type
401(k) plan
Participants
31,290

About this data

Source: W W Grainger 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 W W Grainger Inc..

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