DOL Form 5500 Retirement Plan Scraper

Extract comprehensive retirement plan data from the Department of Labor's EFAST2 system. Access Form 5500 filings for 401(k) plans, pensions, profit-sharing, ESOPs, and more.

Features

• Multiple Search Types: Search by company name, EIN, plan name, state, or asset range
• Comprehensive Data: Extract 100+ fields including assets, participants, fees, investments, and service providers
• AI-Powered Summaries: Get plan health assessments, risk analysis, and improvement opportunities
• Filter Options: Filter by plan year, asset size, participant count, and plan type
• Service Provider Details: Extract recordkeepers, trustees, custodians, investment managers, and their fees
• Compliance Flags: Identify discrimination test failures, late contributions, and other compliance issues
• Investment Breakdown: Full investment allocation data from Schedule H/I

Quick Start

{
  "searchType": "companyName",
  "companyName": "Microsoft",
  "planTypes": ["401K"],
  "maxResults": 10
}

Use Cases

• 401(k) Advisors: Prospect for plans needing advisory services based on fees, compliance issues, or service provider changes
• Recordkeepers & TPAs: Identify potential clients by filtering on assets, participants, and current providers
• Compliance Teams: Monitor plan filings and identify compliance red flags
• Financial Researchers: Analyze retirement plan trends, fee structures, and investment patterns
• Due Diligence: Research retirement plans during M&A transactions
• Investment Consultants: Benchmark plan investments and identify optimization opportunities

Input Parameters

Parameter	Type	Description
searchType	string	How to search: companyName, ein, planName, state, or assetRange
companyName	string	Company/sponsor name (partial match supported)
ein	string	9-digit Employer Identification Number (e.g., 12-3456789)
planName	string	Retirement plan name
state	string	Two-letter state code (e.g., CA, NY, TX)
planYearFrom	integer	Start year for filings (2010-2025)
planYearTo	integer	End year for filings
minAssets	integer	Minimum total plan assets ($)
maxAssets	integer	Maximum total plan assets ($)
minParticipants	integer	Minimum participant count
planTypes	array	Filter by type: 401K, PENSION, PROFIT_SHARING, ESOP, 403B, 457, WELFARE, ALL
includeServiceProviders	boolean	Extract Schedule C service provider data
includeInvestments	boolean	Extract Schedule H/I investment data
includeAISummary	boolean	Generate AI-powered plan analysis
maxResults	integer	Maximum plans to retrieve (1-10,000)

Output Data

Basic Information

• Plan name, number, and type
• Sponsor name, EIN, address, phone
• Plan administrator details
• Plan year dates and effective date

Financial Data

• Total assets (beginning and end of year)
• Net assets and liabilities
• Contributions (employer, participant, total)
• Investment income
• Benefits paid
• Administrative expenses
• Net change in assets

Participant Data

• Active participants (BOY and EOY)
• Retired/separated participants
• Participants with account balances
• Total participant count

Service Providers (Schedule C)

• Provider name and EIN
• Service type (trustee, recordkeeper, etc.)
• Direct and indirect compensation
• Termination status

Investments (Schedule H/I)

• Cash and equivalents
• Corporate stocks and bonds
• Government securities
• Employer securities
• Real estate
• Mutual funds and collective trusts
• Participant loans

Compliance Information

• ADP/ACP test results
• Top-heavy status
• Late contribution flags
• Fidelity bond status
• Audit requirements
• Accountant opinion

AI Summary (when enabled)

• Overall health score (0-100)
• Risk factors with severity
• Improvement opportunities
• Benchmark comparisons
• Executive summary

Calculated Metrics

• Asset growth rate
• Assets per participant
• Expense ratio
• Contribution rate
• Distribution rate
• Net cash flow status

Example Output

{
  "planName": "ACME CORPORATION 401(K) PLAN",
  "sponsor": {
    "name": "ACME CORPORATION",
    "ein": "12-3456789",
    "address": {
      "city": "San Francisco",
      "state": "CA"
    }
  },
  "financials": {
    "totalAssets": {
      "endOfYear": 125000000
    },
    "contributions": {
      "employer": 5200000,
      "participant": 8500000
    },
    "administrativeExpenses": 450000
  },
  "participants": {
    "totalEndOfYear": 1250,
    "activeEndOfYear": 1100
  },
  "serviceProviders": [
    {
      "name": "FIDELITY INVESTMENTS",
      "serviceType": "Recordkeeper",
      "compensation": { "total": 312000 }
    }
  ],
  "metrics": {
    "assetsPerParticipant": 100000,
    "expenseRatio": "0.36%",
    "assetGrowthRate": "8.5%"
  },
  "aiSummary": {
    "overallHealth": {
      "score": 85,
      "rating": "GOOD"
    },
    "executiveSummary": "ACME CORPORATION 401(K) PLAN received a health score of 85/100 (GOOD)..."
  },
  "scrapedAt": "2024-12-15T10:30:00.000Z",
  "dataSource": "DOL EFAST2",
  "filingUrl": "https://www.efast.dol.gov/portal/app/disseminate?ackId=..."
}

Example Searches

Search by company name

{
  "searchType": "companyName",
  "companyName": "Google",
  "planTypes": ["401K"],
  "includeServiceProviders": true,
  "includeAISummary": true,
  "maxResults": 5
}

Search by state with asset filter

{
  "searchType": "state",
  "state": "CA",
  "minAssets": 10000000,
  "planTypes": ["401K", "PENSION"],
  "planYearFrom": 2022,
  "maxResults": 100
}

Search by EIN

{
  "searchType": "ein",
  "ein": "12-3456789",
  "includeInvestments": true,
  "includeServiceProviders": true
}

Technical Details

• Runtime: Node.js 20+
• Language: JavaScript with ES modules
• Rate Limiting: 500ms delay between requests (respectful to DOL servers)
• Data Source: DOL EFAST2 system
• Historical Data: Filings from 2010 to present

Data Source

This actor extracts data from the Department of Labor's EFAST2 system, which contains Form 5500 filings for all employee benefit plans in the United States. Form 5500 is required annually for retirement plans with 100+ participants and is publicly available.

Legal Notice

Form 5500 data is public information filed with the Department of Labor. This actor provides programmatic access to publicly available government data.

License

MIT License