Americas Car Mart, Inc.

Rogers, AR RetailNAICS 441120

Self-funded health planPlan year 2024Renews October
2,530ParticipantsFirst year on file
$6.0MEst. pharmacy spend / yrParticipants × national avg.
Oct 2027Next renewalPlan year begins October 1
#3 of 7Retail in ARBy participants

Overview

Americas Car Mart, Inc. sponsors a self-funded health plan that covered 2,530 participants in plan year 2024. The plan year starts in October. Alongside medical, its benefits filing reports life insurance, dental, vision, short-term disability, and more.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
2,530
Plan year
Begins October 1 · next renewal October 2027
Health plans filed
Americas Car Mart, Inc. Welfare Benefits Plan, plan 503 (2,530 participants)
Broker compensation
$214K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
UnitedHealthcare Insurance CompanyDental, Vision, Life, Short-term disability, Long-term disability2,851$1.7M$214K
Employee Network, Inc.Employee Assistance Program2,021$37K—

Pharmacy benefit estimate

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

$6.0M/ year

Estimated prescription spend: 2,530 participants × $2,371 national average per member. Usually higher once dependents are counted.

$156K–$385K/ year

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

Brands with a generic available$46K–$114K
Lower-cost therapeutic alternatives$67K–$139K
Generic pricing vs. actual cost$29K–$86K
PBM contract terms$15K–$45K
The DOL's PBM fee disclosure rule first applies to this plan for the plan year beginning October 2027: semiannual PBM compensation reports and an annual audit right.

Form 5500 filing details

Filing
Form 5500 with Schedule A, plan year 2024
Plan sponsor
Americas Car Mart, Inc.
Sponsor EIN
71-0791606
Plan number
503
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 71-0791606 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
America's Car Mart, Inc. 401(k) Plan
Type
401(k) plan
Participants
2,806

About this data

Source: Americas Car Mart, Inc.'s Form 5500 filing for plan year 2024 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 Americas Car Mart, Inc..

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