State · sponsors with a Arkansas filing address
Retirement plans in Arkansas
Form 5500 filings for plan years 2009 to 2025; medians for plan year 2024.
Form 5500 information is as filed by the plan administrator with the Department of Labor and may be amended. Figures reflect the plan year shown, not current balances. A plan is counted in the state of its sponsor's address, not where its participants live.
377 retirement plans based in Arkansas with 100 or more participants filed Form 5500 for plan year 2024 (369 defined contribution, 8 defined benefit). All Form 5500 pension filers in the group reported 2,566,933 participant records and $77.8B in net assets.
The median defined contribution plan held $39,267 per participant, well below the national median of $53,031, and its employer put in $1,795 per active participant (national: $2,174). Among plans reporting Schedule C compensation the median was $123 per participant against $123 nationally.
Employers contributed $2.69B and participants $3.77B during the year, and the plans paid out $7.09B in benefits.
In 2009 the same group numbered 470 plans with $22.9B; by 2024 it was 377 plans (down 20%) and $77.8B (up 240%). From plan year 2023 the 100-participant line counts participants with account balances, which moved many plans to the short form.
Beyond the full-form filers, 3,462 small plans based in Arkansas filed the short Form 5500-SF for 2024, with 101,613 participants and $5.64B in net assets. Small plans are counted here and nowhere else on this site.
Medians compared with all US plans
| Median plan, plan year 2024 | AR: DC | US: DC | AR: DB | US: DB |
|---|---|---|---|---|
| Net assets per participant | $39,267 | $53,031 | $84,913 | $86,234 |
| Employer contributions per active participant | $1,795 | $2,174 | $14,286 | $10,244 |
| Schedule C compensation per participant | $123 | $123 | $360 | $344 |
| Schedule C compensation, share of net assets | 0.34% | 0.26% | 0.65% | 0.42% |
| Administrative expenses per participant | $119 | $116 | $905 | $527 |
Medians across plans with 100 or more participants (350 DC and 8 DB plans with a Schedule H here). Fee medians cover plans reporting an amount. DC: defined contribution, such as 401(k) and 403(b). DB: defined benefit pension.
Distribution of DC plans
| Measure | 25th percentile | Median | 75th percentile | Plans |
|---|---|---|---|---|
| Net assets per participant | $22,169 | $39,267 | $73,372 | 350 |
| Employer contributions per active participant | $924 | $1,795 | $3,069 | 337 |
| Schedule C compensation per participant | $56.60 | $123 | $216 | 319 |
| Administrative expenses per participant | $50.40 | $119 | $223 | 336 |
Trend by plan year
| Plan year | Plans 100+ | Participants | Net assets | Employer contributions | Participant contributions | Median DC assets / participant | Median DC Sch. C / participant |
|---|---|---|---|---|---|---|---|
| 2025partial | 53 | 96,360 | $4.16B | $107M | $230M | $43,823 | $174 |
| 2024 | 377 | 2,566,933 | $77.8B | $2.69B | $3.77B | $39,267 | $123 |
| 2023 | 382 | 2,516,211 | $66.4B | $2.34B | $3.38B | $33,475 | $104 |
| 2022 | 462 | 2,476,141 | $58.6B | $2.25B | $3.17B | $26,130 | $94.11 |
| 2021 | 447 | 2,506,583 | $62.7B | $2.14B | $2.97B | $31,981 | $97.25 |
| 2020 | 448 | 2,409,895 | $56.0B | $1.98B | $2.62B | $29,810 | $77.72 |
| 2019 | 451 | 2,261,713 | $52.2B | $1.80B | $2.42B | $24,850 | $71.86 |
| 2018 | 452 | 2,235,824 | $46.1B | $1.75B | $2.30B | $22,376 | $72.72 |
| 2017 | 457 | 2,222,128 | $49.2B | $1.73B | $2.27B | $24,254 | $69.81 |
| 2016 | 447 | 2,235,936 | $41.8B | $1.63B | $2.21B | $21,462 | $62.31 |
| 2015 | 468 | 2,217,015 | $38.1B | $1.50B | $2.05B | $20,021 | $58.68 |
| 2014 | 459 | 2,046,838 | $38.6B | $1.39B | $1.76B | $23,387 | $53.89 |
| 2013 | 459 | 1,729,895 | $36.4B | $1.39B | $1.70B | $22,173 | $50.37 |
| 2012 | 454 | 1,748,533 | $31.9B | $1.32B | $1.62B | $18,091 | $42.64 |
| 2011 | 449 | 1,760,047 | $27.7B | $1.32B | $1.47B | $16,852 | $41.56 |
| 2010 | 460 | 1,770,001 | $26.6B | $1.58B | $1.20B | $16,195 | $39.28 |
| 2009 | 470 | 1,810,424 | $22.9B | $1.53B | $1.13B | $14,098 | $38.28 |
Plan year is the year in which the plan year began. The drop in large plans from 2023 follows a rule change: the 100-participant line now counts participants with account balances, so many plans moved to the short form.
Provider share
Service provider organisations named most often on the Schedule C of the 377 plans on this page's list, by number of plans. A plan usually names several providers.
Largest plans
The 60 largest by participants of 377 plans with a page on this site.
| Plan | Sponsor | Type | Participants | Net assets | Per participant | Employer / active | Sch. C / participant |
|---|---|---|---|---|---|---|---|
| Walmart 401(k) Plan | Walmart Inc. | DC | 1,970,230 | $50.7B | $25,757 | $1,092 | $20.94 |
| Tyson Foods, Inc. Retirement Savings Plan | Tyson Foods, Inc. | DC | 128,426 | $3.73B | $29,038 | $973 | $17.65 |
| Dillard's, Inc. Investment & Employee Stock Ownership Plan | Dillard's, Inc. | DC | 44,726 | $3.00B | $67,163 | $850 | $52.97 |
| J.B. Hunt Transport Services, Inc. Employee Retirement Plan | J.B. Hunt Transport Services, Inc. | DC | 37,454 | $1.58B | $42,242 | $1,097 | $51.12 |
| Murphy USA Inc. Savings Plan | Murphy USA Inc. | DC | 17,395 | $358M | $20,597 | $1,367 | $2.57 |
| Baptist Health 401(a) Plan | Baptist Health | DC | 17,366 | $658M | $37,907 | $3,300 | — |
| Baptist Health 403(b) Plan | Baptist Health | DC | 17,366 | $537M | $30,898 | — | — |
| Walmart Puerto Rico 401(k) Plan | Walmart Inc. | DC | 12,657 | $180M | $14,193 | $807 | $18.12 |
| Windstream 401(k) Plan | Windstream Services LLC | DC | 12,119 | $1.29B | $106,422 | $2,742 | $49.78 |
| Mountaire Corporation & Subsidiaries Retirement Plan | Mountaire Corporation | DC | 10,619 | $440M | $41,424 | $3,788 | $81.19 |
| Simmons Foods, Inc. 401(k) Retirement and Trust Plan | Simmons Foods, Inc. | DC | 9,622 | $187M | $19,423 | $935 | $35.53 |
| George's, Inc. 401(k) Profit Sharing Plan | George's, Inc. | DC | 8,530 | $136M | $15,924 | $911 | $42.53 |
| Arvest Bank 401(k) & Profit Sharing Retirement Plan | Arvest Bank | DC | 8,139 | $926M | $113,743 | $7,287 | $35.24 |
| Arkansas Children's Retirement Plan | Arkansas Children's, Inc. | DC | 6,496 | $446M | $68,610 | $1,689 | $47.83 |
| Arcbest 401(k) and DC Retirement Plan | Arcbest Corporation | DC | 6,154 | $778M | $126,485 | $4,057 | $74.37 |
| My HR Pros 401(k) Plan | My HR Pros | DC | 5,485 | $79.6M | $14,517 | $524 | $67.71 |
| The 401(k) Plan Sponsored by Aegis Therapies | Aegis Therapies, Inc. | DC | 5,477 | $123M | $22,542 | $0 | $76.79 |
| Central Arkansas Nursing Centers, Inc. 401(k) Plan and Trust | Central Arkansas Nursing Centers, Inc. | DC | 5,464 | $12.5M | $2,287 | $28 | $30.05 |
| Harps Food Stores, Inc. 401(k) Plan | Harps Food Stores, Inc. | DC | 5,377 | $44.2M | $8,215 | — | $10.02 |
| Washington Regional 401(k) Plan | Washington Regional Medical System | DC | 4,494 | $240M | $53,511 | $1,703 | $75.40 |
| Arkansas Children's Defined Contribution Retirement Plan | Arkansas Children's | DC | 4,464 | $99.3M | $22,245 | $845 | $32.64 |
| Windstream Pension Plan | Windstream Services, LLC | DB | 4,448 | $433M | $97,258 | $54,922 | $407 |
| Simmons First National Corporation 401(k) Plan | Simmons First National Corporation | DC | 4,362 | $285M | $65,415 | $4,573 | $83.92 |
| Baxter Regional Medical Center 403(b) Pension Plan | Baxter Regional Medical Center | DC | 4,258 | $87.3M | $20,491 | — | $10.60 |
| Arkansas Blue Cross and Blue Shield 401(k) Savings and Plus Plan | Usable Mutual Insurance Company | DC | 4,099 | $789M | $192,398 | $5,044 | $135 |
| Harps Food Stores, Inc. Employee Stock Ownership Plan | Harps Food Stores | DC | 4,053 | $287M | $70,934 | — | — |
| Bank Ozk 401(k) Retirement Savings Plan | Bank Ozk | DC | 3,750 | $294M | $78,341 | $2,885 | $54.22 |
| Retirement Savings Plan of O. K. Foods, Inc. | O.K. Foods, Inc. | DC | 3,742 | $42.4M | $11,332 | $504 | $59.08 |
| Home Bancshares, Inc. 401(k) and Employee Stock Ownership Plan | Home Bancshares, Inc. | DC | 3,504 | $172M | $49,140 | $1,364 | $41.57 |
| Travel Nurse Across America 401(k) Plan | Travel Nurse Across America, LLC | DC | 3,254 | $32.4M | $9,971 | $537 | $67.40 |
| Arkansas Chapter Neca-Ibew Retirement Plan | Arkansas Chapter Neca-Ibew Retirement Plan | DC | 3,062 | $303M | $98,983 | $6,417 | $348 |
| Unity Health Retirement Plan | Unity Health | DC | 2,880 | $75.3M | $26,137 | $2,651 | $51.75 |
| Baxter Regional Medical Center 401(a) Plan | Baxter Regional Medical Center | DC | 2,818 | $45.8M | $16,269 | $1,371 | $1.52 |
| Conway Regional Medical Center Retirement Income Plan | Conway Regional Medical Center | DC | 2,716 | $104M | $38,365 | $1,833 | $56.04 |
| Lexicon 401(k) Plan | Lexicon Management Group, Inc. | DC | 2,673 | $82.5M | $30,875 | $1,240 | $27.80 |
| America's Car Mart, Inc. 401(k) Plan | Americas Car Mart, Inc. | DC | 2,569 | $24.9M | $9,692 | $497 | $26.42 |
| 401(k) Profit-Sharing Plan for Employees of McLarty Automotive Group, LLC | McLarty Automotive Group, LLC | DC | 2,294 | $67.6M | $29,475 | $729 | — |
| Maverick USA, Inc. 401(k) Retirement Plan | Maverick USA, Inc. | DC | 2,239 | $58.6M | $26,195 | $874 | $70.71 |
| Riceland Foods, Inc. 401(k) Retirement Plan | Riceland Foods, Inc. | DC | 2,178 | $74.4M | $34,155 | $1,700 | $94.12 |
| Jefferson Hospital Association 401(k) Retirement Savings Plan | Jefferson Hospital Association, Inc. | DC | 2,031 | $130M | $64,034 | $2,111 | $188 |
| White River Health System 401(k) Plan | White River Health System, Inc. | DC | 1,861 | $105M | $56,312 | $1,581 | $45.52 |
| Stephens Employees' 401(k) Profit Sharing Plan and Trust | Stephens Shared Services LLC | DC | 1,857 | $409M | $220,435 | $2,990 | $90.24 |
| Garver Retirement Plan | Garver, LLC | DC | 1,821 | $176M | $96,677 | $4,222 | $121 |
| Nab Pension Retirement Plan & Trust | The Nabholz Group, Inc. | DC | 1,819 | $155M | $85,299 | $3,272 | $176 |
| Denali Retirement Plan | Denali Water Solutions LLC | DC | 1,792 | $49.8M | $27,794 | $3,454 | $63.42 |
| Riceland Foods, Inc. Employee Benefit Pension Plan | Riceland Foods, Inc. | DB | 1,785 | $319M | $178,663 | — | $497 |
| Pafford Medical Services 401(k) Plan | Pafford Medical Services, Inc. | DC | 1,681 | $5.7M | $3,366 | $174 | — |
| Arcare Retirement Plan | Arcare | DC | 1,673 | $49.0M | $29,291 | $2,676 | $68.97 |
| Arkansas Heart Hospital 401(k) Plan | Arkansas Heart Hospital, LLC | DC | 1,641 | $60.1M | $36,614 | $716 | $102 |
| Replacement Parts, Inc. 401(k) Retirement Savings Plan | Replacement Parts, Inc. | DC | 1,620 | $39.3M | $24,289 | $947 | $38.44 |
| Unity Health 403(b) Retirement Plan | Unity Health | DC | 1,609 | $49.8M | $30,959 | — | $65.17 |
| Oaklawn Jockey Club Employees 401(k) Savings Plan | Oaklawn Jockey Club, Inc. | DC | 1,541 | $20.3M | $13,159 | $333 | $6.76 |
| Central States, Inc. Employee Stock Ownership Plan | Central States, Inc. | DC | 1,537 | $311M | $202,111 | $6,360 | — |
| Revolution 401(k) Plan | Revolution Sustainable Solutions LLC | DC | 1,493 | $39.4M | $26,380 | $1,303 | $89.89 |
| Goodwill Industries of Arkansas, Inc. 403(b) Plan | Goodwill Industries of Arkansas, Inc. | DC | 1,478 | $8.1M | $5,450 | $629 | $64.37 |
| Summit Utilities, Inc. 401(k) Plan | Summit Utilities, Inc. | DC | 1,469 | $100M | $68,174 | $4,330 | $202 |
| Pace Industries Savings and Investment Plan | Pace Industries LLC | DC | 1,444 | $56.4M | $39,091 | $1,569 | $182 |
| Carti Tax Sheltered Annuity Plan | Central Arkansas Radiation Therapy Institute | DC | 1,431 | $74.7M | $52,208 | $1,620 | $51.53 |
| Hytrol Conveyor Co., Inc. Employee Stock Ownership Plan | Hytrol Conveyor Co., Inc. | DC | 1,415 | $47.6M | $33,658 | $1,281 | — |
| Kimbel Mechanical Systems, Inc. 401(k) Plan | Kimbel Mechanical Systems, Inc. | DC | 1,384 | $20.8M | $15,052 | $584 | $45.37 |
By plan size
By industry
By plan year
Questions and answers
How many retirement plans are there in Arkansas?
377 plans with 100 or more participants filed Form 5500 for plan year 2024, out of 747 pension plans on the full form. Smaller plans file Form 5500-SF and are counted separately where shown.
What is the typical 401(k) balance in Arkansas?
The median defined contribution plan reported $39,267 in net assets per participant (middle half of plans: $22,169 to $73,372); nationally it was $53,031. This is a plan-level average that includes former employees, not a typical person's balance.
What do employers contribute in Arkansas?
The median defined contribution plan received $1,795 in employer contributions per active participant, against $2,174 nationally. Plans with no employer contribution are included at zero.
What are average 401(k) fees in Arkansas?
Among defined contribution plans that report any Schedule C compensation, the median was $123 per participant and 0.34% of net assets (nationally $123 and 0.26%). Schedule C leaves out fund expense ratios and fees the employer pays, so it understates total cost.
Where does this come from?
Form 5500 annual reports in the EBSA research files, with filings received through 24 Aug 2026. Medians are computed by this site across plans with 100 or more participants.
Provenance
Source: U.S. Department of Labor, Employee Benefits Security Administration, Form 5500 and Form 5500-SF research files, public domain, with filings received through 24 Aug 2026. Totals count every pension plan on the full form; medians and the plan list cover plans with 100 or more participants. See the methodology.