Material fixed to bearing steel (E*=115.4 GPa, nu=0.3). Contact angle a=0 (deep-groove ball bearing); race conformity (groove curvature) is not modelled.
Outer race, inner race and ball cross section / red dot = outer-race contact (higher stress), orange = inner-race contact / D_p = pitch diameter, D_b = ball diameter
In a radially loaded ball bearing the total load is not shared equally among the balls. Stribeck's analysis shows that the stress is concentrated on the single most heavily loaded ball.
Maximum load per ball (alpha is the contact angle, alpha = 0 for a deep-groove bearing):
$$F_\text{max} = \frac{5\,F_\text{radial}}{Z\,\cos\alpha}$$Equivalent radius of curvature for the concave inner-race contact and the convex outer-race contact:
$$\frac{1}{R_{eq,i}} = \frac{1}{r_b} - \frac{1}{R_i},\qquad \frac{1}{R_{eq,o}} = \frac{1}{r_b} + \frac{1}{R_o}$$Peak Hertz pressure for a sphere-on-plane contact (E* is the equivalent modulus):
$$p_\text{max} = \frac{1}{\pi}\left(\frac{6\,F_\text{max}\,E^{*2}}{R_{eq}^{\,2}}\right)^{1/3}$$Contact radius:
$$a = \left(\frac{3\,F_\text{max}\,R_{eq}}{4\,E^*}\right)^{1/3}$$The outer race has the smaller equivalent radius of curvature, so its contact patch is smaller and its peak contact pressure is higher than the inner race.