Form 5500 Prospect Radar: Benefits Broker Leads by Renewal Date

Form 5500 Prospect Radar turns the public US Department of Labor EFAST2 Form 5500 filings into two benefits prospecting reports, ordered by renewal month from the insurance policy renewal date each plan filed. It is a one-off purchase: no subscription and no annual commitment.

What you get, and what it really costs

There are two reports:

• Territory renewal report, $49 base fee. Every Form 5500 plan whose sponsor sits in your states, narrowed by participant count, plan type, carrier, NAICS or renewal month, and ordered by the renewal month on the filed policy.
• Broker book report, $39 base fee. Every plan that names a given broker or advisor in Schedule A Part 1, with the plan detail and the commission that broker was paid.

Both include the first 200 matching rows in the base fee, then $0.05 per row after that. Starting a run costs nothing.

A multi-state territory runs past 200 rows easily, so the base fee is rarely the whole price: the six-state demo below matched 1,348 plans. Run with dryRun on and the Actor returns the exact matching count, the total price for that count, and up to 5 sample rows, free and before you are charged anything (capped at 10 dry runs per account per day). The count and the price reflect every filter you set; the sample rows are drawn from the state-level match, so they will not all match your narrower filters. On that demo pull the price is the $49 base fee plus 1,148 overflow rows at $0.05, so $106.40.

What the renewal date actually is

The date is Schedule A INS_POLICY_TO_DATE, carried through as filed, not a live feed and not a modeled estimate. Most plans file more than one policy, and when those policies end in different months the report keeps the earliest, because that is the first date in the year the account comes up. On the demo below, 24 plans filed policies ending in more than one month, and every one of them lands in the October block (15 of its 40 rows) or the November block (9 of 22). Reading the last date instead would push 22 of them into a later month. A plan whose filing carries no dated policy falls back to its plan year end (165 of the 1,348 demo rows, 164 of those with carriers empty); the other 1,183 rows take their date from a filed policy. On the full 2024 EFAST2 files INS_POLICY_TO_DATE is populated on 99.8% of Schedule A policy rows (our own count over the complete year file), so a plan that carries insurance almost always carries its own filed renewal date.

Renewals bunch at year end, so this list is December-heavy. The working value is in the off-cycle months, plus the carrier, premium and carrier-reported commission columns, which show who already holds the account and what the plan pays for it.

Output

Both reports share one flat row shape:

sponsorName, ein, planNumber, planName, sponsorStreet, sponsorCity, sponsorState, sponsorZip, sponsorPhone, policyRenewalDate, renewalMonth, planYearEnd, activeParticipants, totalParticipants, assetsEoy, businessCode, carriers[{carrierName, premium, commission, policyStart, policyEnd}], brokerName, brokerCity, brokerState, brokerCommission, ackId, filingYear, snapshotDate, billing, source

The two reports fill different columns:

• Territory renewal report fills the sponsor, plan, participant, renewal-date and carriers columns. Each carrier entry carries the premium and the commission that carrier reported. The four broker columns (brokerName, brokerCity, brokerState, brokerCommission) are null on every territory row.
• Broker book report fills the broker columns, including the commission that named broker was paid, alongside the sponsor, plan and renewal-date columns. It leaves carriers empty and assetsEoy and filingYear null.

If you want the broker of record attached to a territory, that is the broker book report, run once per broker name, not the territory report.

You can download either dataset in JSON, HTML, CSV or Excel.

Worked example

This input produced the public demo dataset below: welfare plans in the six New England states with at least 250 participants, renewing in October, November or December. dryRun is false here, which is the setting that charges you; set it to true and the same filters return the count and the price for free.

{
  "mode": "territory-report",
  "states": ["CT", "MA", "ME", "NH", "RI", "VT"],
  "participantMin": 250,
  "planType": "welfare",
  "renewalMonths": [10, 11, 12],
  "dryRun": false
}

One of the 1,348 rows it returned, verbatim from that public dataset:

{
  "rowType": "territory-report",
  "sponsorName": "NEFCO HOLDING COMPANY I INC GHP",
  "ein": "061035230",
  "planNumber": "505",
  "planName": "NEFCO HOLDING COMPANY I INC GHP",
  "sponsorStreet": "411 BURNHAM STREET",
  "sponsorCity": "EAST HARTFORD",
  "sponsorState": "CT",
  "sponsorZip": "06108",
  "sponsorPhone": "8602909044",
  "policyRenewalDate": "2022-10-31",
  "renewalMonth": 10,
  "planYearEnd": "2022-10-31",
  "activeParticipants": 518,
  "totalParticipants": null,
  "assetsEoy": null,
  "businessCode": "423990",
  "carriers": [
    {
      "carrierName": "EQUITABLE FINANCIAL LIFE INSURANCE COMPANY",
      "premium": 38066,
      "commission": 2883,
      "policyStart": "2021-11-01",
      "policyEnd": "2022-10-31"
    }
  ],
  "brokerName": null,
  "brokerCity": null,
  "brokerState": null,
  "brokerCommission": null,
  "ackId": "20250604121333NAL0008397683001",
  "filingYear": 2024,
  "snapshotDate": "2026-08-09",
  "billing": "included",
  "source": "US DOL EFAST2 Form 5500 bulk data (Schedule A), askebsa.dol.gov"
}

The broker columns are null because this is a territory row. assetsEoy is null on every row version 1 produces: that figure lives on Schedule H/I, which version 1 does not read. totalParticipants is null too, so the 250 floor was applied to activeParticipants, which is 518.

Demo dataset

A public demo of a real territory report is at https://api.apify.com/v2/datasets/HEtRPxMJI6guTTnMG/items?format=json&clean=true. No account or run is needed to read it.

It is one six-state New England pull: sponsors in CT, MA, ME, NH, RI and VT, welfare plans with at least 250 participants, renewing in October, November or December. It returned 1,348 plans, split MA 659, CT 341, NH 104, ME 89, RI 81 and VT 74, priced at the $106.40 derived above.

The cheapest self-serve welfare-side comparable we found is Judy Diamond's American Directory of Group Insurance, which sells per state on a 12-month commitment at a published $300 to $780 per state-year (their order page, read 2026-07-06). Six states at that published range works out to $1,800 to $4,680 a year, though we have not checked which tier each of these six states falls in.

Field population measured on the demo's own 1,348 rows: every row carries a renewal date (1,183 from a filed policy date, 165 from the plan-year-end fallback above), 1,184 rows carry at least one carrier entry, and all 5,473 carrier entries carry a carrier name. Active participants are present on 1,347 rows and a sponsor phone on 1,341. The four broker columns are null on all 1,348, as they are on every territory row, and assetsEoy is null on all 1,348 as well.

Measured across the full 2024 files rather than the demo: filed policy renewal date 99.8% of 330,263 Schedule A policy rows, sponsor phone 99.2% of 221,777 plans, carrier name 100% of policy rows, Schedule A commission total nonzero on 69.9%. Broker-book coverage, measured on the 445,032 Schedule A Part 1 rows: broker name 99.7%, broker commission present on 89.1% and nonzero on 79.6%.

How to read the sort order

Rows sort by renewal month, not by calendar date, because a producer works the anniversary: an account whose policy ran to October 31 is an October account every year. So the October block comes first, and the filed years inside it vary. In this demo the filed renewal dates land in 2025 (686 rows) and 2024 (654 rows), with 8 rows carrying an older date.

December dominates at 1,286 of the 1,348 rows, against 40 in October and 22 in November. That skew is what makes the other two blocks worth having: October and November are the short, workable lists.

Every row carries the snapshotDate it was built from. This demo was generated on 2026-08-09 from the DOL bulk files as published 2026-07-28.

How the snapshot is built

The report merges the two most recent filing years and keeps a single filing per plan, the latest date received with ties broken by the highest filing id, so an off-calendar filer that only shows up in the newer year is not silently dropped. EFAST2 data lags the plan year by 7 to 9.5 months (a 7-month filing deadline plus a 2.5-month extension), so what you get is each plan's most recently filed year and the renewal calendar built from the policies on it, earliest month first as described above. A few late-arriving filings can move across a snapshot boundary.

How to use it

1. Set mode to territory-report or broker-book-report.
2. For a territory report, list your states (up to 10) and optionally narrow by renewalMonths, participantMin/participantMax, planType, carrierName, counties or naicsPrefixes.
3. For a broker book report, set brokerName.
4. Keep dryRun on, which the input form pre-checks, to see the count, the total price and up to 5 sample rows for free, then turn it off to run the report.
5. Set the run's max charge to at least the base fee before the real run.

Check your max charge before you buy. Apify caps a run's max charge at your account's monthly usage limit, so if that cap lands below this Actor's base fee, the run delivers nothing, charges nothing, and logs that the max charge was too low. We measured this on our own account: a run that requested a $200 max charge was recorded at $5, returned 0 rows and charged $0. On a free Apify plan the monthly limit is $5, which is below both base fees, so a free plan cannot complete a paid report here no matter how the filters are set. The dry run charges nothing, so preview first and check the quote against your own limit.

If your max charge covers the base fee but not the full overflow, the report charges the base fee once, delivers the 200 included rows plus as much overflow as your budget allows, and adds one uncharged row saying how many rows were withheld. Re-running the same filter within 31 days picks up where it left off and does not charge the base fee again.

Limitations

• Version 1 covers Schedule A, which is group insurance and welfare plans. Schedule C service-provider detail is not in it yet.
• Plans with fewer than 100 participants are largely exempt from the full filing, so the participant floor defaults to 100.
• You get the filing as filed. Contacts are not appended or verified, and premiums are not modeled. If you need verified, appended contacts, a subscription directory like Judy Diamond's is a different product.
• The EFAST2 lag is structural: this is a renewal calendar built from the most recently filed year, not a real-time feed.

Support

Found a gap or want a custom cut? Use the Issues tab. Custom broker books and multi-year archives are available on request.