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 ready to work benefits prospecting reports, organized by the filed insurance policy renewal date. It is a one off purchase. There is no subscription, no annual commitment, and no demo call.

What you get, and what it really costs

Run the free dry run first. It prints the exact count of plans that match your filter and the true total price for that pull before you are charged a cent. A real territory is usually more than 200 rows, so the price is more than the base fee, and the dry run shows you the real number up front.

Worked example (the demo pull): a Connecticut welfare territory report for plans renewing in October, November or December, with at least 100 participants, matches 568 plans. The first 200 rows are included in the base fee and the remaining 368 rows price at 0.05 each, so the true total is 67.40, not 49. The dry run prints exactly this before you run it for real.

Two reports are sold:

• Territory renewal report, base fee 49.00. Every Form 5500 plan whose sponsor is in your states, filtered by participant count, plan type, carrier, NAICS and renewal month, sorted by the filed policy renewal date.
• Broker book report, base fee 39.00. Every plan that names a given broker or advisor in Schedule A Part 1, joined to the plan and the commission that broker was paid.

Both include the first 200 matching rows in the base fee, then 0.05 per additional row. Starting a run costs 0.00, and the dry run preview is free (up to 10 previews per account per day).

The renewal signal, named honestly

The organizing value is which plans in your territory renew when. This report ships the actual filed renewal date, the Schedule A INS_POLICY_TO_DATE, exactly as filed. It is the last filed policy renewal date from each plan's most recent Form 5500, not a live feed and not a projected x date. On the real 2024 file the policy renewal date is populated on 99.8 percent of 330,263 Schedule A policy rows and joins to the main form at 100 percent by filing id, so whenever a plan carries an insurance policy you get its real renewal date rather than a proxy.

About 70 percent of policies renew on 12/31 or 1/1, so the December list is the majority. The prospecting discrimination lives in the roughly 25 to 30 percent that renew off cycle, plus the carrier, broker and commission columns that tell you who already holds the account and what it is worth.

Output

Each row is flat and documented:

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

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

Demo dataset

The public demo dataset is at https://api.apify.com/v2/datasets/xRJgGTQpC9YgQacvG/items?format=json&clean=true. It was generated by a live territory-report run and contains 209 Form 5500 prospect rows. Each row shows the filed sponsor, plan, participant count, carrier, policy renewal date, broker fields when filed, billing tier, filing year, snapshot date and EFAST2 source attribution. Use it to inspect the exact row shape before running your own territory pull.

Measured field population (real 2024 files)

Field	Populated	Note
Filed policy renewal date (INS_POLICY_TO_DATE)	99.8 percent of Schedule A policy rows	The renewal signal, as filed
Sponsor phone	99.2 percent of 221,777 plans	Sponsor contact line, as filed
Carrier name	100 percent of policy rows	Who holds the account
Broker name (Schedule A Part 1)	99.7 percent of 445,032 rows	Broker of record
Broker commission paid (Part 1)	present on 89.1 percent, nonzero on 79.6 percent	What the account is worth
Schedule A commission total	nonzero on 69.9 percent	Carrier side commission

Assets at end of year are shown as filed. Welfare only plans commonly omit them, so that field is often null, which is expected.

Two year merge and snapshot semantics

The report merges the two most recent filing years and keeps the single latest filing per plan (latest date received, ties broken by the highest filing id), so an off calendar filer that only appears in the newer year is not silently missed. Every row carries a snapshotDate. EFAST2 data lags the plan year by 7 to 9.5 months (the 7 month filing deadline plus a 2.5 month extension), so the report reflects each plan's most recently filed year and its last filed policy renewal date. A few late arriving filings can shift near 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. Leave dryRun on to preview the count and the true total price for free, then turn it off to run the report.

If your run's max charge cannot cover 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 marker naming the remainder. Re running the same filter within 31 days resumes where it left off and does not charge the base fee again.

Limitations

• Version 1 covers Schedule A (group insurance and welfare plans). Schedule C service provider depth is a planned follow up.
• Plans with fewer than 100 participants are largely exempt from full filing, so the default floor is 100.
• The data is the raw filing, as filed. There are no appended emails, no premium modeling and no enrichment. If you want an enriched single state seat with verified contacts, incumbents such as Judy Diamond, MiEdge and BenefitsPRO sell that.
• EFAST2 lag is structural, so 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.