Form 5500 · Employee benefit plan · BENTONVILLE, AR
WALMART INC.
The filing calls this plan WALMART INC. ASSOCIATES' HEALTH AND WELFARE PLAN.
WALMART INC. of BENTONVILLE, AR is a 1,655,413-participant retail employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Its broker of record is MERCER HEALTH AND BENEFITS, LLC. Coverage is written through PRUDENTIAL INSURANCE COMPANY OF AMERICA and 16 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 71-0415188 · plan 501 · plan year 2025, filed Sep 11, 2026
Get an email when this employer files a new Form 5500, and again about four months before its plan renews.
355 other employer plans in Arkansas have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Fully insured as reported
The plan's own financial statement reports paying insurance carriers about what the insurance contracts report in premium.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
Health: the largest of the 11 insured health contracts, with KAISER FOUNDATION HEALTH PLAN, INC. (CALIFORNIA), covers 20,867 of 1,655,413 participants (1.3%) on Schedule A.
2 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
Also declared: other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 17 insured contracts covering health, vision, life, disability and stop-loss; the largest, with PRUDENTIAL INSURANCE COMPANY OF AMERICA, covers 1,083,762 people.
The filing declares health, vision, life, disability and dental. Dental appears with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on one of the 2 contracts here that do not say what they cover.
The filing lists a stop-loss contract. On its own that does not settle whether the plan pays its own claims.
Reported premium across the insured contracts is $1,075,749,514, with $20,100 in disclosed broker commissions — about 0% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| FOUR EVER LIFE INS CO. | Health | 1,676,677 | Jan 1, 2026 | $1,067,529 | $14,682 |
| ZURICH AMERICAN INSURANCE COMPANY | — | 332,154 | Jan 1, 2026 | $36,118 | $5,418 |
| PRUDENTIAL INSURANCE COMPANY OF AMERICA | Life | 1,083,762 | Jan 1, 2026 | $244,853,078 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. (CALIFORNIA) | Health | 20,867 | Jan 1, 2026 | $225,365,782 | $0 |
| AETNA LIFE INSURANCE COMPANY | Health | 10,873 | Jan 1, 2026 | $127,982,836 | $0 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 320,907 | Jan 1, 2026 | $122,863,243 | $0 |
| AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | 435,949 | Jan 1, 2026 | $74,886,238 | $0 |
| VISION SERVICE PLAN | Vision | 654,947 | Jan 1, 2026 | $68,933,435 | $0 |
| KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | Health | 6,830 | Jan 1, 2026 | $46,380,404 | $0 |
| HEALTH NET | Health | 4,111 | Jan 1, 2026 | $44,512,946 | $0 |
| KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | Health | 5,553 | Jan 1, 2026 | $39,109,345 | $0 |
| KAISER FOUNDATION HEALTH PLAN OF COLORADO | Health | 4,084 | Jan 1, 2026 | $31,627,504 | $0 |
| HMSA BLUE CROSS BLUE SHIELD OF HAWAII | Health | 2,384 | Jan 1, 2026 | $20,703,561 | $0 |
| KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | Health | 1,332 | Jan 1, 2026 | $9,632,765 | $0 |
| KAISER FOUNDATION HEALTH PLAN OF HAWAII | Health | 1,164 | Jan 1, 2026 | $8,909,007 | $0 |
| KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | Health | 1,161 | Jan 1, 2026 | $7,532,375 | $0 |
| MCS LIFE INSURANCE COMPANY | Stop-loss | 6,626 | Jan 1, 2026 | $1,353,348 | $0 |
Premium and claims on these contracts
PRUDENTIAL INSURANCE COMPANY OF AMERICA, contract 43939. For the contract year on this filing, the carrier reported $405,373 in premium earned and $229,810 in claims incurred. Dividing one by the other gives 57%.
AETNA LIFE INSURANCE COMPANY, contract 0895530. For the contract year on this filing, the carrier reported $127,982,836 in premium earned and $120,101,102 in claims incurred. Dividing one by the other gives 94%.
- PRUDENTIAL INSURANCE COMPANY OF AMERICA, contract 43939 reported $38,667 in retention.
- AETNA LIFE INSURANCE COMPANY, contract 0895530 reported $7,339,952 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
Named on Schedule C of this filing. We publish company names only.
Reported to OSHA
Reported to OSHA for 2025: 527,810 employees, 22,016 recordable cases, 122,289 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
3 establishments filed under this EIN are left out of these figures: the hours and employees they reported could not both be right.
Money the plan held and paid out
Sourced from U.S. DOL EFAST2 Form 5500 · Schedule H
These are the plan's own figures from Schedule H, the financial statement it files. They are not the premium on Schedule A.
Other plans filed by this employer
How this plan compares
Subscribers see how this compares with similar plans in Arkansas. A subscription also adds this plan's filing history and the renewal calendar for its state. See plans and prices
Without an account you can open 10 employer, broker and carrier pages a day, including through an AI assistant, and 50 a day with a free account. Paid plans are what keep these records free to read.
Renewal calendar
355 other employer plans in Arkansas are January 1 renewals (policy year ends December).
Their policy years end in December, like this plan’s, so most renew January 1. The calendar lists every insured group by renewal date and state, with broker of record, carrier and disclosed commission. You can preview the five largest in each month for free.
Claude & ChatGPT
Look up records from Claude or ChatGPT
Add Form5500Lookup to Claude or ChatGPT and ask about any employer, broker or carrier in plain English. Lookups are free. Renewal lists, full books of business and exports are included with a subscription.
Building a list or a tool from these records? Match a list you already have from $29 per 1,000 records, or license the whole dataset as a weekly file for $499 a month. See both
More employer plans in Arkansas — largest plans, brokers, carriers and renewal months.