Little Rock, Arkansas employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
88 employers in Little Rock, Arkansas filed health plans with 100 or more participants for plan year 2024, covering 82,776 participants. They reported $75M in insurance premiums and $14M in broker commissions and fees. The median broker rate on commission-paying, fully insured medical plans was 5.0% of premium, against 3.7% across Arkansas and 3.8% nationally. Against 2023, premiums were down 13.9% and broker pay fell 9.3%.
Funding: 32 fully insured · 35 self-funded · 21 mixed. 56 of 88 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Little Rock
Little Rock employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| McLarty Automotive Group | $8,105,321 | $472,990 | 1,520 | Sunstar Insurance Group |
| Westrock Coffee Company | $7,997,038 | $319,085 | 364 | Gallagher |
| Windstream Services, LLC | $4,605,388 | $789,821 | 9,673 | Mercer |
| Arkansas Farm Bureau Federation | $3,994,628 | — | 414 | — |
| Sca Pharmaceuticals LLC | $3,443,219 | $86,763 | 592 | Marsh McLennan Agency |
| Encore Bank | $2,783,922 | $65,967 | 311 | JTS Financial Services |
| Winrock Institute for Agricultural Development | $2,747,252 | $275,007 | 251 | Lockton |
| Arkansas Federal Credit Union | $2,658,454 | $65,409 | 417 | Stephens Insurance LLC |
| Southern Bancorp | $2,499,154 | $41,921 | 561 | Simmons First Insurance Services TN |
| Arkansas Children's Hospital | $2,363,551 | $60,590 | 3,698 | Benefit Communications Inc. (bci) |
| Redstone Construction Group | $2,314,400 | $218,385 | 189 | The Hatcher Agency |
| Bank Ozk | $1,758,747 | $719,928 | 2,703 | Gallagher |
| Arkansas Cardiology, P.A. | $1,700,122 | $90,626 | 156 | Cadence Insurance, Inc. |
| Fairway Lawns, LLC | $1,549,251 | $38,078 | 1,352 | Gallagher |
| Apptegy, Inc. | $1,346,372 | $29,368 | 285 | HUB International |
| Colliers Arkansas, Inc dba Colliers International | $1,317,488 | $87,468 | 119 | Stephens Insurance, LLC |
| Friday, Eldredge & Clark, LLP | $1,245,075 | — | 123 | — |
| Big Orange Development Ii, LLC | $1,121,846 | $6,133 | 173 | Stephens Insurance, LLC |
| Mangan Holcomb Rainwater Culpepper Inc. dba Mangan Holcomb Partners | $1,071,320 | $89,214 | 137 | Acrisure |
| First National Title Company, Inc. | $1,064,183 | $59,664 | 138 | Stephens Insurance LLC |
| Youth Home, Inc. | $1,034,088 | $64,380 | 149 | Acrisure |
| Metacycle LLC 3000 | $1,028,555 | $67,133 | 140 | HUB International |
| Maverick USA, Inc | $1,011,918 | $511,768 | 2,072 | Aon |
| Cromwell Architects Engineers, Inc. | $993,239 | $93,888 | 143 | Stephens Insurance, LLC |
| Replacement Parts Inc | $987,416 | $215,570 | 545 | Marsh McLennan Agency |
Source: DOL Form 5500 Schedule A, plan year 2024; employers are grouped by the sponsor's mailing city as filed. Self-funded employers show only stop-loss and ancillary premium.
Who gets paid
Commissions and fees reported by Little Rock employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Stephens Insurance LLC | $2,158,296 | 19 |
| Gallagher | $2,110,787 | 14 |
| Lockton | $1,178,095 | 6 |
| Acrisure | $1,041,023 | 21 |
| Benefit Communications Inc | $626,830 | 2 |
| Mercer | $615,163 | 2 |
| Bcinsourcing, LLC | $537,340 | 1 |
| Aon | $513,152 | 3 |
| The Hatcher Agency | $509,228 | 13 |
| HUB International | $504,599 | 5 |
Largest medical carriers
Medical premium written for these employers.
Little Rock against Arkansas and the U.S.
Medians over the same definitions on every BenefitsLedger page: commission rate on commission-paying, fully insured medical plans; broker pay per employer that disclosed any; medical premium per covered person.
| Little Rock | Arkansas | United States | |
|---|---|---|---|
| Employer plans | 88 | 371 | 58,547 |
| Median commission rate | 5.0% (12 plans) | 3.7% | 3.8% |
| Middle half of rates | 2.5% – 5.3% | 2.5% – 5.1% | 2.7% – 5.0% |
| Median broker pay per employer | $81,663 | $64,301 | $72,628 |
| Medical premium per covered person | $5,145 | $5,286 | $7,274 |
| Plans reporting no commission | 10 | 56 | 933 |
Year over year. In plan year 2023, 83 Little Rock employers reported $87M in premiums and $15M in broker pay for 82,573 participants; in 2024 it was $75M and $14M for 82,776 participants (premiums −13.9%, broker pay −9.3%).
Source: DOL Form 5500 and Schedule A, plan years 2024 and 2023, employer health plans with 100 or more participants; built October 24, 2026. Medians need at least 10 rated plans to be shown for a city. Methodology.
How much do Little Rock employers pay health insurance brokers?
88 Little Rock employers reported $13,565,631 in broker commissions and fees on their 2024 Form 5500 filings, 81 of them disclosing at least some compensation. Among 12 commission-paying, fully insured medical plans, the median broker rate was 5.0% of premium, 1.3 points above the Arkansas median of 3.7% and 1.2 points above the U.S. median of 3.8%. In dollars, the median Little Rock employer that disclosed broker pay reported $81,663.
Which Little Rock employers have the largest health plans?
By insurance premium reported for 2024, McLarty Automotive Group ($8.1M), Westrock Coffee Company ($8.0M), Windstream Services, LLC ($4.6M) lead. 25 Little Rock employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Little Rock?
By compensation reported by Little Rock employers, the largest brokers are Stephens Insurance LLC ($2.2M, 19 plans), Gallagher ($2.1M, 14 plans), Lockton ($1.2M, 6 plans). By medical premium, the largest carriers are Arkansas Blue Cross and Blue Shield, Cigna Health and Life Insurance Company, Blue Cross Blue Shield.
Are Little Rock employer health plans self-funded or fully insured?
Of 88 Little Rock employer plans, 32 are fully insured, 35 are self-funded and 21 mix insured and self-funded coverage. Self-funded plans report only stop-loss and ancillary contracts on Schedule A, so their premium and broker pay understate total spend.
Other cities in Arkansas
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