Bulk Data Schema Reference

The columns and formatting on this page take effect in the Saturday, September 26, 2026 SFTP snapshot. See SFTP Schema Changes — September 26, 2026 for what’s changing.

Which reference do I need?

You want to	Use
Understand a column you exported from the app	Data Glossary
Know what’s in the SFTP feed and its exact column order	This page (Bulk Data Schema)
Map BenefitFlow fields to your CRM	CRM Field Mapping
Narrow a search (filter by industry, funding, plan type, etc.)	Filtering Guide

What this covers

Every column in the SFTP bulk feed, per dataset, in exact feed order. There are six datasets, listed below. The feed delivers six CSV datasets over SFTP, refreshed weekly.

Dataset	File pattern	One row per
Employer	`EMPLOYER-YYYYMMDD.csv`	Employer
Policy	`POLICY-YYYYMMDD.csv`	Policy per employer
Broker	`BROKER-YYYYMMDD.csv`	Brokerage firm
Broker Office	`BROKER_OFFICE-YYYYMMDD.csv`	Office location
Broker Contact	`BROKER_CONTACT-YYYYMMDD.csv`	Individual at a brokerage
Employer Contact	`EMPLOYER_CONTACT-YYYYMMDD.csv`	Individual at an employer

BenefitFlow aggregates data from multiple public and proprietary sources. See Where does BenefitFlow’s data come from?.

How our exports are formatted

Rule	Detail
Encoding	UTF-8 with a byte-order mark.
EIN	Always `XX-XXXXXXX`.
Dates	ISO `YYYY-MM-DD`. Renewal dates are month and day only (`Sep 1`).
ZIP / NAICS / NPN	Plain digits, no apostrophe or quotes.
Money	Two decimal places, no dollar sign or commas.
Empty vs zero	Blank means unknown; `0` means a real zero.

Entity Relationships

The six datasets connect through shared IDs. Use these keys to join across files.

Join keys

Relationship	From	Join key	To	Join key
Employer → Policies	Employer	`Employer ID`	Policy	`Employer ID`
Employer → Primary Broker	Employer	`Primary Broker ID`	Broker	`Broker ID`
Employer → Primary Broker Office	Employer	`Primary Broker Closest Office ID`	Broker Office	`Broker Office ID`
Policy → Broker	Policy	`Broker ID`	Broker	`Broker ID`
Broker → Offices	Broker	`Broker ID`	Broker Office	`Broker ID`
Broker → Contacts	Broker	`Broker ID`	Broker Contact	`Broker ID`
Broker Office → Contacts	Broker Office	`Broker Office ID`	Broker Contact	`Closest Office ID`
Employer → Employer Contacts	Employer	`Employer ID`	Employer Contact	`Employer ID`

Key relationships

Employer to Policy is one-to-many. One employer can have multiple policies (Health, Dental, Life). The Policy file is the most granular view of coverage.
Employer to Broker shows two ways: the Employer file carries denormalized “Primary Broker” fields (the broker with the most business), while the Policy file shows the specific broker on each policy. These can differ.
Broker to Office to Contact is hierarchical. A broker firm has many offices, and each contact is associated with one office.
Employer to Employer Contact is one-to-many. Employer contacts are people at the employer (HR, benefits, executives), not at the brokerage.

Employer dataset

One row per employer. 147 columns.

#	Column	Meaning
1	Record Type	Row type identifier for the file.
2	Employer Name	Company name.
3	Employer Website	Primary domain.
4	Employer NAICS Description	Industry description.
5	Employer NAICS Code	NAICS code.
6	Employer EIN	Federal EIN, XX-XXXXXXX.
7	Employer Address	Street address.
8	Employer City	City.
9	Employer State	Two-letter state.
10	Employer Zip Code	ZIP.
11	Employer ID	BenefitFlow unique ID for the employer.
12	Total Employees	Total employee count.
13	Employer Estimated Revenue	Revenue band.
14	Benefit Eligible Employees	Benefits-eligible count.
15	Benefits Rating	Glassdoor average rating, 0 to 5.
16	5500 Signor Name	Person who signed the Form 5500.
17	Phone Number	Employer phone.
18	Funding	Fully-Insured or Self-Funded.
19	Entity Type	Single-, Multi-, or Multiple-Employer.
20	Primary Carrier	Carrier with the largest premium share.
21	Line of Business	Benefit lines offered, comma-separated.
22	Total Premiums	Total annual premiums.
23	Benefits Renewal Date	Benefits renewal month and day, no year.
24	Primary Broker	Broker with the largest share of the business.
25	Primary Broker Website	Primary broker domain.
26	Commissions	Commissions to the primary broker.
27	Primary Broker Office Name	Closest primary-broker office, display name.
28	Primary Broker Closest Office City	City of the geographically closest office.
29	Primary Broker Closest Office State	State of the closest office.
30	Primary Broker Closest Office Zip	ZIP of the closest office.
31	Primary Broker Closest Office Address	Full address of the closest office.
32	Primary Broker Reported Office City	Reported office city.
33	Primary Broker Reported Office State	Reported office state.
34	P&C Renewal Date	P&C renewal month and day, no year.
35	P&C Broker	Broker handling P&C.
36	P&C Carrier	P&C carrier.
37	Primary Broker ID	BenefitFlow ID for the primary broker.
38	Primary Broker Closest Office ID	BenefitFlow ID for the closest office.
39	PEO	Professional Employer Organization, if any.
40	Accounting Firm	Accountant on the 5500 filing.
41	Lead Source	Always BenefitFlow.
42	Export Date	Date the file was generated.
43	Filing Date	Most recent Form 5500 filing date.
44	BenefitFlow User	Email of the user who ran the export.
45	BenefitFlow Employer URL	Direct link to the employer profile.
46	Firmographic: Employer LinkedIn URL	Company LinkedIn page.
47	Firmographic: Company Description	Company summary.
48	Firmographic: DBA / Aliases	Other names the company files or trades under, semicolon-separated.
49	Firmographic: Parent Company	Ultimate parent if a subsidiary; blank if top of its tree.
50	Firmographic: Parent Company ID	BenefitFlow ID for the parent.
51	Firmographic: Headcount Growth YoY %	Year-over-year change in employee count, percent.
52	Firmographic: Number of Locations	Physical locations.
53	Firmographic: Founded Year	Year founded.
54	Firmographic: Company Type	Public, Private, Nonprofit, and so on.
55	Firmographic: IPO Date	Date of IPO, if public.
56	Funding: Total Raised	Total capital raised to date.
57	Funding: Last Round	Most recent funding round type.
58	Funding: Last Round Date	Date of the most recent round.
59	Funding: Investors	Named investors, comma-separated.
60	Firmographic: Number of Available Contacts	Contacts BenefitFlow has for this employer.
61	Benefits: Total Commissions	Total broker commissions across all brokers.
62	Benefits: Primary Broker Tenure	Years the primary broker has served this employer.
63	Benefits: Primary Broker Reported Office Name	Broker office named on the 5500 filing.
64	Benefits: TPA	Third-party administrator for health and welfare.
65	Benefits: Actuary Firm	Actuarial firm.
66	Retirement: Financial Advisor	Retirement plan financial advisor.
67	Retirement: Recordkeeper	Retirement plan recordkeeper.
68	Retirement: Plan Name	Name of the largest retirement plan.
69	Retirement: Plan Type	For example 401(k), Defined Benefit.
70	Retirement: Plan Features	Plan features, comma-separated.
71	Retirement: Plan Assets	Total plan assets.
72	Retirement: Total Participants	Total plan participants.
73	Retirement: Active Participants	Active plan participants.
74	Retirement: Employer Contribution	Employer contribution amount.
75	Retirement: Total Contributions	Employer plus participant contributions.
76	Retirement: Avg Account Balance	Assets divided by participants.
77	Retirement: Participation Rate %	Participants with a balance, percent of total.
78	Retirement: Loans Outstanding	Participant loans outstanding.
79	Retirement: Fidelity Bond	Fidelity bond amount.
80	Retirement: Plan Year End	Retirement plan year-end date.
81	P&C: X-Mod Factor	Workers’ comp experience modification factor.
82	P&C: Last X-Mod Date	Effective date of the most recent X-Mod.
83	P&C: L12M OSHA Inspections	OSHA inspections, last 12 months.
84	P&C: L12M OSHA Violations	OSHA violations, last 12 months.
85	P&C: L12M OSHA Total Accidents	Recorded accidents, last 12 months.
86	P&C: L12M OSHA Total Penalties	OSHA penalty dollars, last 12 months.
87	P&C: Miles Driven	Fleet miles driven (DOT MCS-150).
88	P&C: Vehicles	Fleet vehicle count.
89	P&C: Drivers	Fleet driver count.
90	P&C: L12M DOT Inspections	DOT inspections, last 12 months.
91	P&C: L12M DOT Violations	DOT violations, last 12 months.
92	P&C: L12M DOT Out of Service Total	Out-of-service events, last 12 months.
93	P&C: L12M DOT Crashes	Crashes, last 12 months.
94	P&C: L12M DOT Fatalities	Fatalities, last 12 months.
95	P&C: Broker ID	BenefitFlow ID for the P&C broker.
96	P&C: Broker Reported Office City	P&C broker office city per filing.
97	P&C: Broker Reported Office State	P&C broker office state per filing.
98	P&C: Broker Reported Office Zip	P&C broker office ZIP per filing.
99	P&C: Broker Reported Office Address	P&C broker office address per filing.
100	Modeled Premium: Medical	Modeled Medical premium.
101	Modeled Premium: Dental	Modeled Dental premium.
102	Modeled Premium: Life	Modeled Life premium.
103	Modeled Premium: Temporary Disability	Modeled Temporary Disability premium.
104	Modeled Premium: Long Term Disability	Modeled Long Term Disability premium.
105	Modeled Premium: Vision	Modeled Vision premium.
106	Modeled Premium: Critical Illness	Modeled Critical Illness premium.
107	Modeled Premium: Accident	Modeled Accident premium.
108	Modeled Premium: AD&D	Modeled AD&D premium.
109	Modeled Premium: Stop Loss	Modeled Stop Loss premium.
110	Modeled Premium: Indemnity	Modeled Indemnity premium.
111	Modeled Premium: Prescription Drug	Modeled Prescription Drug premium.
112	Modeled Commissions: Medical	Modeled commission for the Medical line.
113	Modeled Commissions: Dental	Modeled commission for the Dental line.
114	Modeled Commissions: Life	Modeled commission for the Life line.
115	Modeled Commissions: Temporary Disability	Modeled commission for the Temporary Disability line.
116	Modeled Commissions: Long Term Disability	Modeled commission for the Long Term Disability line.
117	Modeled Commissions: Vision	Modeled commission for the Vision line.
118	Modeled Commissions: Critical Illness	Modeled commission for the Critical Illness line.
119	Modeled Commissions: Accident	Modeled commission for the Accident line.
120	Modeled Commissions: AD&D	Modeled commission for the AD&D line.
121	Modeled Commissions: Stop Loss	Modeled commission for the Stop Loss line.
122	Modeled Commissions: Indemnity	Modeled commission for the Indemnity line.
123	Modeled Commissions: Prescription Drug	Modeled commission for the Prescription Drug line.
124	Primary Carrier: Medical	Primary carrier for the Medical line.
125	Primary Carrier: Dental	Primary carrier for the Dental line.
126	Primary Carrier: Life	Primary carrier for the Life line.
127	Primary Carrier: Temporary Disability	Primary carrier for the Temporary Disability line.
128	Primary Carrier: Long Term Disability	Primary carrier for the Long Term Disability line.
129	Primary Carrier: Vision	Primary carrier for the Vision line.
130	Primary Carrier: Critical Illness	Primary carrier for the Critical Illness line.
131	Primary Carrier: Accident	Primary carrier for the Accident line.
132	Primary Carrier: AD&D	Primary carrier for the AD&D line.
133	Primary Carrier: Stop Loss	Primary carrier for the Stop Loss line.
134	Primary Carrier: Indemnity	Primary carrier for the Indemnity line.
135	Primary Carrier: Prescription Drug	Primary carrier for the Prescription Drug line.
136	Primary Broker: Medical	Primary broker for the Medical line.
137	Primary Broker: Dental	Primary broker for the Dental line.
138	Primary Broker: Life	Primary broker for the Life line.
139	Primary Broker: Temporary Disability	Primary broker for the Temporary Disability line.
140	Primary Broker: Long Term Disability	Primary broker for the Long Term Disability line.
141	Primary Broker: Vision	Primary broker for the Vision line.
142	Primary Broker: Critical Illness	Primary broker for the Critical Illness line.
143	Primary Broker: Accident	Primary broker for the Accident line.
144	Primary Broker: AD&D	Primary broker for the AD&D line.
145	Primary Broker: Stop Loss	Primary broker for the Stop Loss line.
146	Primary Broker: Indemnity	Primary broker for the Indemnity line.
147	Primary Broker: Prescription Drug	Primary broker for the Prescription Drug line.

Example row: Walmart

Column	Value
Employer Name	Walmart
Employer EIN	71-0415188
Employer City	Bentonville
Employer State	AR
Funding	Self-Funded
Primary Carrier	Kaiser Permanente
Total Premiums	1077048873.00
Primary Broker	Mercer
Commissions	160019.00
Retirement: Plan Assets	50790179678.00
P&C: L12M OSHA Inspections	202
Modeled Premium: Medical	12486372920.40

Columns without data are left blank. Modeled Premium is BenefitFlow’s estimate of full annual premium by product, so it is not comparable to Total Premiums (the reported, filed figure) and runs much higher for a self-funded employer like Walmart.

Employer Contact dataset

One row per contact. 163 columns.

#	Column	Meaning
1	Record Type	Row type identifier for the file.
2	Contact Full Name	Contact full name.
3	Contact First Name	First name.
4	Contact Last Name	Last name.
5	Contact LinkedIn URL	LinkedIn profile.
6	Contact Email	Work email.
7	Contact Mobile Phone 1	Mobile, E.164 format.
8	Contact Professional Phone 1	Office phone, E.164 format.
9	Contact City	Contact city.
10	Contact State	Contact state.
11	Contact Job Role	Categorized role.
12	Contact Job Title	Full job title.
13	Contact Yrs. In Role	Years in the current role.
14	Contact Yrs. At Company	Years at the company.
15	Employer Name	Company name.
16	Employer ID	BenefitFlow unique ID for the employer.
17	Employer Website	Primary domain.
18	Employer NAICS Description	Industry description.
19	Employer NAICS Code	NAICS code.
20	Employer EIN	Federal EIN, XX-XXXXXXX.
21	Employer City	City.
22	Employer State	Two-letter state.
23	Employer Zip Code	ZIP.
24	Total Employees	Total employee count.
25	Benefit Eligible Employees	Benefits-eligible count.
26	Funding	Fully-Insured or Self-Funded.
27	Entity Type	Single-, Multi-, or Multiple-Employer.
28	Line of Business	Benefit lines offered, comma-separated.
29	Primary Carrier	Carrier with the largest premium share.
30	Benefits Renewal Date	Benefits renewal month and day, no year.
31	Primary Broker	Broker with the largest share of the business.
32	Primary Broker Closest Office City	City of the geographically closest office.
33	Primary Broker Closest Office State	State of the closest office.
34	Primary Broker Closest Office Zip	ZIP of the closest office.
35	P&C Broker	Broker handling P&C.
36	P&C Carrier	P&C carrier.
37	P&C Renewal Date	P&C renewal month and day, no year.
38	PEO	Professional Employer Organization, if any.
39	Accounting Firm	Accountant on the 5500 filing.
40	Benefits Rating	Glassdoor average rating, 0 to 5.
41	BenefitFlow Employer URL	Direct link to the employer profile.
42	Primary Broker Reported Office Name	Broker office named on the 5500 filing.
43	Primary Broker Reported Office Address	Reported office address.
44	Primary Broker Reported Office City	Reported office city.
45	Primary Broker Reported Office State	Reported office state.
46	Primary Broker Reported Office Zip	Reported office ZIP.
47	Lead Source	Always BenefitFlow.
48	Export Date	Date the file was generated.
49	Data Last Updated	Date the record was last refreshed.
50	BenefitFlow User	Email of the user who ran the export.
51	Firmographic: Employer LinkedIn URL	Company LinkedIn page.
52	Firmographic: Company Description	Company summary.
53	Firmographic: DBA / Aliases	Other names the company files or trades under, semicolon-separated.
54	Firmographic: Parent Company	Ultimate parent if a subsidiary; blank if top of its tree.
55	Firmographic: Parent Company ID	BenefitFlow ID for the parent.
56	Firmographic: Employer Address	Street address.
57	Firmographic: Phone Number	Employer phone.
58	Firmographic: Headcount Growth YoY %	Year-over-year change in employee count, percent.
59	Firmographic: Number of Locations	Physical locations.
60	Firmographic: Employer Estimated Revenue	Revenue band.
61	Firmographic: Founded Year	Year founded.
62	Firmographic: Company Type	Public, Private, Nonprofit, and so on.
63	Firmographic: IPO Date	Date of IPO, if public.
64	Funding: Total Raised	Total capital raised to date.
65	Funding: Last Round	Most recent funding round type.
66	Funding: Last Round Date	Date of the most recent round.
67	Funding: Investors	Named investors, comma-separated.
68	Firmographic: Number of Available Contacts	Contacts BenefitFlow has for this employer.
69	Benefits: 5500 Signor Name	Person who signed the Form 5500.
70	Benefits: Filing Date	Most recent Form 5500 filing date.
71	Benefits: Total Premiums	Total annual premiums.
72	Benefits: Total Commissions	Total broker commissions across all brokers.
73	Benefits: Primary Broker Website	Primary broker domain.
74	Benefits: Primary Broker Tenure	Years the primary broker has served this employer.
75	Benefits: Primary Broker Commissions	Commissions to the primary broker.
76	Benefits: Primary Broker Closest Office Name	Closest primary-broker office, display name.
77	Benefits: Primary Broker Closest Office Address	Full address of the closest office.
78	Benefits: Primary Broker ID	BenefitFlow ID for the primary broker.
79	Benefits: Primary Broker Closest Office ID	BenefitFlow ID for the closest office.
80	Benefits: TPA	Third-party administrator for health and welfare.
81	Benefits: Actuary Firm	Actuarial firm.
82	Retirement: Financial Advisor	Retirement plan financial advisor.
83	Retirement: Recordkeeper	Retirement plan recordkeeper.
84	Retirement: Plan Name	Name of the largest retirement plan.
85	Retirement: Plan Type	For example 401(k), Defined Benefit.
86	Retirement: Plan Features	Plan features, comma-separated.
87	Retirement: Plan Assets	Total plan assets.
88	Retirement: Total Participants	Total plan participants.
89	Retirement: Active Participants	Active plan participants.
90	Retirement: Employer Contribution	Employer contribution amount.
91	Retirement: Total Contributions	Employer plus participant contributions.
92	Retirement: Avg Account Balance	Assets divided by participants.
93	Retirement: Participation Rate %	Participants with a balance, percent of total.
94	Retirement: Loans Outstanding	Participant loans outstanding.
95	Retirement: Fidelity Bond	Fidelity bond amount.
96	Retirement: Plan Year End	Retirement plan year-end date.
97	P&C: X-Mod Factor	Workers’ comp experience modification factor.
98	P&C: Last X-Mod Date	Effective date of the most recent X-Mod.
99	P&C: L12M OSHA Inspections	OSHA inspections, last 12 months.
100	P&C: L12M OSHA Violations	OSHA violations, last 12 months.
101	P&C: L12M OSHA Total Accidents	Recorded accidents, last 12 months.
102	P&C: L12M OSHA Total Penalties	OSHA penalty dollars, last 12 months.
103	P&C: Miles Driven	Fleet miles driven (DOT MCS-150).
104	P&C: Vehicles	Fleet vehicle count.
105	P&C: Drivers	Fleet driver count.
106	P&C: L12M DOT Inspections	DOT inspections, last 12 months.
107	P&C: L12M DOT Violations	DOT violations, last 12 months.
108	P&C: L12M DOT Out of Service Total	Out-of-service events, last 12 months.
109	P&C: L12M DOT Crashes	Crashes, last 12 months.
110	P&C: L12M DOT Fatalities	Fatalities, last 12 months.
111	P&C: Broker ID	BenefitFlow ID for the P&C broker.
112	P&C: Broker Reported Office City	P&C broker office city per filing.
113	P&C: Broker Reported Office State	P&C broker office state per filing.
114	P&C: Broker Reported Office Zip	P&C broker office ZIP per filing.
115	P&C: Broker Reported Office Address	P&C broker office address per filing.
116	Modeled Premium: Medical	Modeled Medical premium.
117	Modeled Premium: Dental	Modeled Dental premium.
118	Modeled Premium: Life	Modeled Life premium.
119	Modeled Premium: Temporary Disability	Modeled Temporary Disability premium.
120	Modeled Premium: Long Term Disability	Modeled Long Term Disability premium.
121	Modeled Premium: Vision	Modeled Vision premium.
122	Modeled Premium: Critical Illness	Modeled Critical Illness premium.
123	Modeled Premium: Accident	Modeled Accident premium.
124	Modeled Premium: AD&D	Modeled AD&D premium.
125	Modeled Premium: Stop Loss	Modeled Stop Loss premium.
126	Modeled Premium: Indemnity	Modeled Indemnity premium.
127	Modeled Premium: Prescription Drug	Modeled Prescription Drug premium.
128	Modeled Commissions: Medical	Modeled commission for the Medical line.
129	Modeled Commissions: Dental	Modeled commission for the Dental line.
130	Modeled Commissions: Life	Modeled commission for the Life line.
131	Modeled Commissions: Temporary Disability	Modeled commission for the Temporary Disability line.
132	Modeled Commissions: Long Term Disability	Modeled commission for the Long Term Disability line.
133	Modeled Commissions: Vision	Modeled commission for the Vision line.
134	Modeled Commissions: Critical Illness	Modeled commission for the Critical Illness line.
135	Modeled Commissions: Accident	Modeled commission for the Accident line.
136	Modeled Commissions: AD&D	Modeled commission for the AD&D line.
137	Modeled Commissions: Stop Loss	Modeled commission for the Stop Loss line.
138	Modeled Commissions: Indemnity	Modeled commission for the Indemnity line.
139	Modeled Commissions: Prescription Drug	Modeled commission for the Prescription Drug line.
140	Primary Carrier: Medical	Primary carrier for the Medical line.
141	Primary Carrier: Dental	Primary carrier for the Dental line.
142	Primary Carrier: Life	Primary carrier for the Life line.
143	Primary Carrier: Temporary Disability	Primary carrier for the Temporary Disability line.
144	Primary Carrier: Long Term Disability	Primary carrier for the Long Term Disability line.
145	Primary Carrier: Vision	Primary carrier for the Vision line.
146	Primary Carrier: Critical Illness	Primary carrier for the Critical Illness line.
147	Primary Carrier: Accident	Primary carrier for the Accident line.
148	Primary Carrier: AD&D	Primary carrier for the AD&D line.
149	Primary Carrier: Stop Loss	Primary carrier for the Stop Loss line.
150	Primary Carrier: Indemnity	Primary carrier for the Indemnity line.
151	Primary Carrier: Prescription Drug	Primary carrier for the Prescription Drug line.
152	Primary Broker: Medical	Primary broker for the Medical line.
153	Primary Broker: Dental	Primary broker for the Dental line.
154	Primary Broker: Life	Primary broker for the Life line.
155	Primary Broker: Temporary Disability	Primary broker for the Temporary Disability line.
156	Primary Broker: Long Term Disability	Primary broker for the Long Term Disability line.
157	Primary Broker: Vision	Primary broker for the Vision line.
158	Primary Broker: Critical Illness	Primary broker for the Critical Illness line.
159	Primary Broker: Accident	Primary broker for the Accident line.
160	Primary Broker: AD&D	Primary broker for the AD&D line.
161	Primary Broker: Stop Loss	Primary broker for the Stop Loss line.
162	Primary Broker: Indemnity	Primary broker for the Indemnity line.
163	Primary Broker: Prescription Drug	Primary broker for the Prescription Drug line.

Example row: a Walmart contact

Column	Value
Contact Full Name	Jordan Ellis
Contact Job Title	Director, Benefits
Employer Name	Walmart
Employer EIN	71-0415188
Primary Carrier	Kaiser Permanente
Retirement: Plan Type	401(k)
P&C: L12M OSHA Inspections	202

Contact details are illustrative; the employer context is real.

Policy dataset

One row per policy or plan. 53 columns.

#	Column	Meaning
1	Record Type	Row type identifier for the file.
2	Employer Name	Company name.
3	Employer NAICS Description	Industry description.
4	Employer NAICS Code	NAICS code.
5	Employer EIN	Federal EIN, XX-XXXXXXX.
6	Employer City	City.
7	Employer State	Two-letter state.
8	Employer Zip Code	ZIP.
9	Employer ID	BenefitFlow unique ID for the employer.
10	Total Employees	Total employee count.
11	Benefit Eligible Employees	Benefits-eligible count.
12	5500 Signor Name	Person who signed the Form 5500.
13	Phone Number	Employer phone.
14	Funding	Fully-Insured or Self-Funded.
15	Entity Type	Single-, Multi-, or Multiple-Employer.
16	Plan Name	Name of the largest retirement plan.
17	Policy Number	Policy or plan sequence number (not unique across employers).
18	Carrier	Carrier for this policy.
19	Line of Business	Benefit lines offered, comma-separated.
20	Line of Business, Detail	Additional line detail when available.
21	Total Premiums	Total annual premiums.
22	Covered Lives	People covered.
23	PEPM Rate	Per-employee-per-month rate.
24	Total Commissions	Total broker commissions across all brokers.
25	Renewal Date	Benefits renewal month and day, no year.
26	Primary Broker	Broker with the largest share of the business.
27	Primary Broker Website	Primary broker domain.
28	Commissions	Commissions to the primary broker.
29	Primary Broker Office Name	Closest broker office, display name.
30	Primary Broker Closest Office City	City of the geographically closest office.
31	Primary Broker Closest Office State	State of the closest office.
32	Primary Broker Office Zip Code	ZIP of the closest office.
33	Primary Broker Office Address	Full address of the closest office.
34	Primary Broker Reported Office City	Reported office city.
35	Primary Broker Reported Office State	Reported office state.
36	Broker ID	BenefitFlow ID for the broker firm.
37	Lead Source	Always BenefitFlow.
38	Export Date	Date the file was generated.
39	Filing Date	Most recent Form 5500 filing date.
40	BenefitFlow User	Email of the user who ran the export.
41	BenefitFlow Employer URL	Direct link to the employer profile.
42	Modeled Premium: Medical	Modeled Medical premium for this policy.
43	Modeled Premium: Dental	Modeled Dental premium for this policy.
44	Modeled Premium: Life	Modeled Life premium for this policy.
45	Modeled Premium: Temporary Disability	Modeled Temporary Disability premium for this policy.
46	Modeled Premium: Long Term Disability	Modeled Long Term Disability premium for this policy.
47	Modeled Premium: Vision	Modeled Vision premium for this policy.
48	Modeled Premium: Critical Illness	Modeled Critical Illness premium for this policy.
49	Modeled Premium: Accident	Modeled Accident premium for this policy.
50	Modeled Premium: AD&D	Modeled AD&D premium for this policy.
51	Modeled Premium: Stop Loss	Modeled Stop Loss premium for this policy.
52	Modeled Premium: Indemnity	Modeled Indemnity premium for this policy.
53	Modeled Premium: Prescription Drug	Modeled Prescription Drug premium for this policy.

The Modeled Premium columns estimate how this policy’s total premium splits across benefit lines. A single-line policy puts its full premium in that line’s column. A multi-line policy is split across its lines, and the split adds up to Total Premiums. The columns are blank when the policy’s lines aren’t among these 12, such as Legal or Wellness/EAP.

Example row: an NEA policy

Column	Value
Employer Name	National Education Association Of The United States
Employer EIN	53-0115260
Plan Name	NEA Welfare Benefit Plan
Line of Business	Health, Prescription Drug, HMO
Total Premiums	276335.00
Covered Lives	14
PEPM Rate	1644.85
Renewal Date	Sep 1

Broker dataset

One row per broker firm. 14 columns.

#	Column	Meaning
1	Record Type	Row type identifier for the file.
2	Broker ID	BenefitFlow ID for the broker firm.
3	Broker Name	Broker firm name.
4	Broker Website	Broker firm domain.
5	Headquarters	Firm headquarters city and state.
6	Total Office Locations	Office locations in BenefitFlow.
7	Total Clients	Employer clients.
8	Total Contacts	Contacts at the firm.
9	Total Commissions	Total broker commissions across all brokers.
10	Total Carrier Premiums	Aggregate premiums placed across clients.
11	Lead Source	Always BenefitFlow.
12	Export Date	Date the file was generated.
13	BenefitFlow User	Email of the user who ran the export.
14	BenefitFlow Broker URL	Direct link to the broker profile.

Example row: Marsh McLennan

Column	Value
Broker Name	Marsh Mclennan
Headquarters	New York, NY
Total Office Locations	146
Total Clients	5869
Total Contacts	5502
Total Commissions	531856862.00
Total Carrier Premiums	9938120509.00

Broker Office dataset

One row per broker office location. 19 columns.

#	Column	Meaning
1	Record Type	Row type identifier for the file.
2	Broker ID	BenefitFlow ID for the broker firm.
3	Broker Name	Broker firm name.
4	Broker Website	Broker firm domain.
5	Broker Office Name	Office display name.
6	Broker Office Address	Full street address.
7	Broker Office City	City.
8	Broker Office State	State.
9	Broker Office Zip Code	ZIP.
10	Total Clients	Clients serviced from this office.
11	Total Contacts	Contacts at this office.
12	Total Employees	Aggregate employees across serviced clients.
13	Total Commissions	Aggregate commissions for this office’s clients.
14	Total Carrier Premiums	Aggregate premiums placed by this office.
15	Lead Source	Always BenefitFlow.
16	Export Date	Date the file was generated.
17	BenefitFlow User	Email of the user who ran the export.
18	BenefitFlow Broker URL	Direct link to the broker profile.
19	Broker Office ID	BenefitFlow unique ID for this office.

Example row: Marsh McLennan, Dallas

Column	Value
Broker Name	Marsh Mclennan
Broker Office Name	Marsh Mclennan - Dallas, TX
Broker Office City	Dallas
Broker Office State	TX
Total Clients	295
Total Contacts	213
Total Commissions	25620318.00

Broker Contact dataset

One row per contact at a broker. 37 columns.

#	Column	Meaning
1	Record Type	Row type identifier for the file.
2	Contact Full Name	Contact full name.
3	Contact First Name	First name.
4	Contact Last Name	Last name.
5	Contact LinkedIn URL	LinkedIn profile.
6	Contact Email	Work email.
7	Contact Mobile Phone 1	Mobile, E.164 format.
8	Contact Professional Phone 1	Office phone, E.164 format.
9	Contact City	City.
10	Contact State	State.
11	Contact Job Role	Categorized role.
12	Contact Job Title	Full job title.
13	Contact Yrs. In Role	Years in the current role.
14	Contact Yrs. At Company	Years at the company.
15	License Types	Insurance license types held, comma-separated.
16	NPN Number	National Producer Number.
17	Carrier Appointments	Count of active carrier appointments.
18	Broker Name	Broker firm name.
19	Broker ID	BenefitFlow ID for the broker firm.
20	Broker Website	Broker firm domain.
21	Headquarters	Firm headquarters city and state.
22	Total Office Locations	Office locations in BenefitFlow.
23	Total Clients	Employer clients.
24	Total Contacts	Contacts at the firm.
25	Total Commissions	Total broker commissions across all brokers.
26	Total Carrier Premiums	Aggregate premiums placed across clients.
27	BenefitFlow Broker URL	Direct link to the broker profile.
28	Closest Office ID	BenefitFlow ID for the closest office.
29	Closest Broker Office Name	Closest office display name.
30	Closest Broker Office Address	Closest office address.
31	Closest Broker Office City	Closest office city.
32	Closest Broker Office State	Closest office state.
33	Closest Broker Office Zip	Closest office ZIP.
34	Lead Source	Always BenefitFlow.
35	Export Date	Date the file was generated.
36	Data Last Updated	Date the record was last refreshed.
37	BenefitFlow User	Email of the user who ran the export.

Example row: a broker contact

Column	Value
Contact Full Name	Alex Rivera
Contact Job Title	Senior Vice President
License Types	Health, Life, Property, Casualty
NPN Number	1234567
Carrier Appointments	42
Broker Name	Marsh Mclennan
Headquarters	New York, NY

Contact details are illustrative; the broker context is real.

Data Delivery Details

Property	Value
Protocol	SFTP over SSH (port 22)
Host	AWS Transfer Family endpoint
Authentication	SSH key-based (no passwords)
File format	CSV with header row, comma-delimited, quoted fields
Character encoding	UTF-8 with byte-order mark (BOM)
Refresh cadence	Weekly, every Saturday
Retention	Latest file for each export at the top level of each folder; older files in `archive/` for 13 weeks
File naming	`TYPE-YYYYMMDD.csv` (e.g. `EMPLOYER-20260405.csv`)
Folder structure	One folder per entity: `broker/`, `brokerContact/`, `brokerOffices/`, `employer/`, `employerContact/`, `policy/`. Each folder has an `archive/` subfolder for older files.
ID mapping files	`BROKER_ID_MAPPING-YYYYMMDD.csv`, `OFFICE_ID_MAPPING-YYYYMMDD.csv`, and `EMPLOYER_ID_MAPPING-YYYYMMDD.csv` in the `broker/`, `brokerOffices/`, and `employer/` folders. See ID Mapping Files.

For connection setup and SFTP client configuration, see the Bulk Data Access Setup Guide.

Implementation Notes

Always use a CSV parser

Many fields contain commas within values (Line of Business, addresses). Use a proper CSV parser; do not split on commas.

Identifier fields: import as text

EIN, NAICS Code, ZIP Code, and NPN ship as plain digits. Import them as text, not numbers, so leading zeros are preserved. EIN is formatted XX-XXXXXXX.

ID formats

All BenefitFlow IDs (Employer ID, Broker ID, Broker Office ID, Closest Office ID, Primary Broker ID, Primary Broker Closest Office ID) are UUIDs (xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx).

IDs can change between releases. Each time you load an Employer, Broker, or Broker Office file, remap your stored IDs with the latest ID mapping file. This also covers IDs stored before June 2026, when Broker and Office IDs changed from 32-character hex hashes to UUIDs. See ID Mapping Files.

Denormalized broker fields

The Policy and Employer files include denormalized broker and office fields for convenience. The Broker and Broker Office files are the canonical source for broker-level data.

Missing-broker values

When no broker is identified, the broker name shows No Broker and the broker ID is left blank. Filter these out when analyzing broker relationships. (In snapshots before the June 2026 ID change, the Broker ID was instead the sentinel ffffffffffffffffffffffffffffffff; treat that legacy value the same as blank.)

Constant fields

Record Type, Lead Source, and BenefitFlow User hold the same value for every row in a file. They exist for system compatibility and can be ignored during analysis.

Closest Office vs. Reported Office

Two broker office locations appear on Employer and Policy records. Closest Office is the BenefitFlow-determined office nearest the employer. Reported Office is the office listed on the Form 5500 filing. These often differ.

Salesforce Integration

HubSpot Integration

Dynamics Integration

Bulk Data (SFTP)

Which reference do I need?

What this covers

How our exports are formatted

Entity Relationships

Join keys

Key relationships

Employer dataset

Example row: Walmart

Employer Contact dataset

Example row: a Walmart contact

Policy dataset

Example row: an NEA policy

Broker dataset

Example row: Marsh McLennan

Broker Office dataset

Example row: Marsh McLennan, Dallas

Broker Contact dataset

Example row: a broker contact

Data Delivery Details

Implementation Notes

​Which reference do I need?

​What this covers

​How our exports are formatted

​Entity Relationships

​Join keys

​Key relationships

​Employer dataset

​Example row: Walmart

​Employer Contact dataset

​Example row: a Walmart contact

​Policy dataset

​Example row: an NEA policy

​Broker dataset

​Example row: Marsh McLennan

​Broker Office dataset

​Example row: Marsh McLennan, Dallas

​Broker Contact dataset

​Example row: a broker contact

​Data Delivery Details

​Implementation Notes

Which reference do I need?

What this covers

How our exports are formatted

Entity Relationships

Join keys

Key relationships

Employer dataset

Example row: Walmart

Employer Contact dataset

Example row: a Walmart contact

Policy dataset

Example row: an NEA policy

Broker dataset

Example row: Marsh McLennan

Broker Office dataset

Example row: Marsh McLennan, Dallas

Broker Contact dataset

Example row: a broker contact

Data Delivery Details

Implementation Notes