401(k) for Zoro

How you and Grainger build your financial future

If you are a team member of Zoro, Grainger offers you the opportunity to save for retirement through the W.W. Grainger, Inc. 401(k) Plan.

How It Works

  • As soon as you become eligible, a Retirement Savings Plan account is automatically opened for you at Vanguard.
  • Grainger contributes 6% of your pay to your account each pay period, tax-free.
  • You can contribute your own money, too, through pretax or after-tax payroll deductions.
  • You can choose to invest your account in a range of professionally managed investment funds.

401(k) Plan Snapshot 

Who is eligible?

Regular full-time and part-time team members, age 18 years or older

What is it?

A convenient, tax-smart way to save and invest your own money for retirement

Why participate?

To build financial wellbeing for your future self while paying less in income taxes today

Grainger’s contributions

  • 6% of eligible pay each pay period
  • Eligible pay includes your base salary, overtime, commission and bonuses
  • Always 100% vested
  • Tax-free until you take it out

Your contributions

Getting started

  • New team members are auto-enrolled at 3% pretax contribution level but can opt out within 30 days.
  • You can elect to contribute up to 75% of your pay, up to annual IRS limits, through payroll deductions, and your contributions are always 100% vested. Choose pre-tax contributions, after-tax Roth contributions or both.
  • Change your contributions anytime through the Vanguard website or by phone.
  • 2022 IRS annual limit: $20,500, plus another $6,500 in catch-up contributions if you are age 50 or older; this limit applies to all your contributions combined.


Your contribution level will automatically increase 1% every April, unless you opt out.

What to do

Access your 401(k) Plan account

Visit Vanguard’s website by logging in to the Total Rewards portal with your Grainger username (XAXB123) and computer password. Or call Vanguard at 1-800-523-1188. To register for new account access, use plan number 099028.

Roll over your distribution from a previous employer’s plan

A direct rollover into the 401(k) Plan lets you defer taxes on the distribution and take advantage of Grainger’s investment options. Contact Vanguard for more information.

Take advantage of Vanguard tools and resources

Check out Vanguard’s tips:


When Coverage Ends

If You and Your Spouse or Domestic Partner Are Both Grainger Team Members

Special Savings Offers


Profit Savings Plan

Retirement Benefit Questions (65+/Medicare-eligible [including disabled early Medicare eligible] and pre-65 eligible retirees/dependents)

Medicare Plan Options Questions (65+ or early Medicare retirees with or without Grainger Retiree Health)


Connect with a Benefit Pro

Access the Provider Search Tool

Keep in Mind

Enroll Now

2022: Your Cost for Coverage

When Coverage Ends

If You and Your Spouse or Domestic Partner Are Both Grainger Team Members

Special Savings Offers


Profit Savings Plan

Profit Sharing Plan Historical Plan Information Pre-2021

Dear Team Member,

The last 18 months have pulled us in all sorts of directions and presented several new challenges. Many of you have had to adapt to an ever-changing lifestyle that includes homeschooling kids, working overtime, taking care of loved ones, and worrying about finances. At Grainger, we recognize the toll these changes take on your personal wellbeing. And while I’m proud to say you’ve continued to provide exceptional customer service despite these challenges, it’s just as important to put the same attention on yourself.

We want you to be your best, not only at work but at home. That’s why we’ve made some enhancements to our benefits programs to better support your emotional, financial, physical, and social wellbeing. These new programs will provide access to short-term cash, one-on-one financial coaching, or stress management support. Over the last year, we built a strong foundation of wellbeing resources to ensure you have more choice and flexibility with your benefits.

This Annual Enrollment Decision Guide will help you navigate the robust benefits that Grainger offers and support you in making your elections for 2022. Annual Enrollment will run from October 11 to 29, 2021. Now is the time for you to take action for you and your family’s wellbeing. We have more plans underway to continue to enhance our wellbeing offerings and we’re excited to share these with you soon.
As always, thank you for all you continue to do for each other, our organization, and our customers.

Stay well,
Kathleen Carroll
SVP & Chief Human Resources Officer

LinkedIn: Kathleen Carroll
Instagram: @KathleenSCarroll
Firstup: @kathleen.carroll8