BenefitFlow Data Glossary - BenefitFlow Docs

Employer Object

Policy Object

Broker Object

Broker Office Object

Contact Object

Workers' Comp Object

X-Mod Object

OSHA Object

DOT Object

Retirement Plan Object

Heads up! As you’ll see marked below, certain fields may be sensitive to your filter selections.

Employer Object

Sources: Form 5500, state-level filings, employee review platforms, Proprietary · Updates: Daily

Field Name	Example	Description	Source
Employer Name	Amazon.com Services, Llc	Legal name found on the Form 5500	Form 5500
Employer Website	Amazon.com		Proprietary
Record Type	Employer	Every row in this export represents an employer	System
Employer NAICS Description	Electronic Shopping and Mail-Order Houses		Form 5500
Employer NAICS Code	454110		Form 5500
Employer EIN	0123456789		Form 5500
Employer City	Seattle	Based on HQ location reported on the Form 5500	Form 5500
Employer State	WA		Form 5500
Employer Zip Code	98109		Form 5500
Total Employees	1,000,000	Based on active participants across all health & welfare and retirement filings	Form 5500
Benefit Eligible Employees	950,000	Based on active participants across all health & welfare filings	Form 5500
5500 Signor Name	Brent Jaye	Person who signed the Form 5500 (usually HR leader, CFO, or other fiduciary)	Form 5500
Phone Number	(206) 266-1000	Number listed on Form 5500	Form 5500
Funding	Self-Funded	Implied based on the company’s medical premiums	Form 5500
Entity Type	Single-Employer	Single-Employer is by far the most common type of Plan Sponsor, while Multiemployer and Multiple-Employer sponsors are typically seen among Union plans, PEOs, and other unique situations	Form 5500
Primary Carrier	Blue Cross Blue Shield	Carrier that earned the most premiums	Form 5500
Lines of Business	Health, Dental, Vision	Insurance products that were reported on the most recent health & welfare filings *Field is sensitive to filter selections*	Form 5500
Total Premiums	$15,000,000	Premiums earned across all insurance carriers on the most recent health & welfare filings *Field is sensitive to filter selections*	Form 5500
Renewal Date	April 1st	Renewal date on the majority of the employers insurance policies	Form 5500
Primary Broker	Brown & Brown	Broker that earned the most commissions on the most recent health & welfare filings	Form 5500
Primary Broker Website	https://www.bbinsurance.com/		Proprietary
Primary Broker Commissions	$120,000	Commissions earned by the Primary Broker	Form 5500
Primary Broker Office Name	Brown & Brown - Boston, MA	Office location that most likely serves the plan (based on proprietary logic)	Proprietary
Primary Broker Office City	Boston		Proprietary
Primary Broker Office State	MA		Proprietary
Primary Broker Office Zip Code	123456		Proprietary
Primary Broker Office Address	100 Brown Street		Proprietary
Benefits Rating	4.1	BenefitFlow-calculated score (0–5) reflecting how employees perceive the quality of the employer’s benefits program	Employee review platforms
P&C Broker	Marsh Usa Llc	Broker handling the employer’s Property & Casualty insurance	State-level filings
P&C Carrier	Federal Insurance Company	Carrier providing Property & Casualty coverage	State-level filings
P&C Renewal Date	January 1st	Renewal date for the employer’s Property & Casualty coverage	State-level filings
PEO	DSH Inc	Professional Employer Organization, if the employer uses one	Form 5500
Accounting Firm	Ernst & Young, LLP	Accounting firm listed on the employer’s 5500 filing	Form 5500
Lead Source	BenefitFlow		System
Export Date	2/24/2022		System
Filing Date	3/31/2021	Tax year end of the employer’s most recent Form 5500 filing	Form 5500
BenefitFlow User	Matt@benefit-flow.com	BenefitFlow user who exported the data	System
BenefitFlow Employer URL	https://benefit-flow.com/Employer/820544687	URL of the employer’s profile in BenefitFlow	System

Impact of Filter Selections: The Line of Business Filter and Carrier filter will impact what is shown in the “Line of Business” field and the “Total Premiums” field. For example, filtering on “Dental” and “Delta Dental” will only show premiums earned on dental policies where the carrier is Delta Dental.

Policy Object

Primary source: Form 5500 (U.S. Department of Labor) · Updates: Daily

Field Name	Example	Description	Source
Employer Name	Amazon.com Services, Llc	Legal name found on the Form 5500	Form 5500
Employer Website	Amazon.com		Proprietary
Record Type	Policy	Every row represents an insurance policy reported by an employer	System
Employer NAICS Description	Electronic Shopping and Mail-Order Houses		Form 5500
Employer NAICS Code	454110		Form 5500
Employer EIN	0123456789		Form 5500
Employer City	Seattle	Based on HQ location reported on the Form 5500	Form 5500
Employer State	WA		Form 5500
Employer Zip Code	98109		Form 5500
Total Employees	1,000,000	Based on active participants across all health & welfare and retirement filings	Form 5500
Benefit Eligible Employees	950,000	Based on active participants across all health & welfare filings	Form 5500
5500 Signor Name	Brent Jaye	Person who signed the Form 5500 (usually HR leader, CFO, or other fiduciary)	Form 5500
Phone Number	(206) 266-1000	Number listed on Form 5500	Form 5500
Funding	Self-Funded	Implied based on the company’s medical premiums	Form 5500
Entity Type	Single-Employer	Single-Employer is by far the most common type of Plan Sponsor, while Multiemployer and Multiple-Employer sponsors are typically seen among Union plans, PEOs, and other unique situations	Form 5500
Plan Name	Amazon Health & Welfare Plan	Name of the benefit plan	Form 5500
Policy Number	1	Each row of this export represents a policy	Form 5500
Carrier	Blue Cross Blue Shield	Carrier on this policy	Form 5500
Lines of Business	Health, Dental, Vision, Critical Illness	Insurance products that were reported on this policy	Form 5500
Lines of Business, Detail	Cancer Indemnity	Any additional text info that was included on the filing to describe the benefits offered	Form 5500
Total Premiums	$15,000,000	Premiums earned on this policy	Form 5500
Covered Lives	10,000	Covered lived (employees + dependents)	Form 5500
PEPM Rate	$125.00	Premiums / Covered Lives / 12	Form 5500
Total Commissions	$150,000	Commissions earned on this policy	Form 5500
Renewal Date	April 1st	Renewal date observed across the majority of insurance policies	Form 5500
Primary Broker	Brown & Brown	Broker that earned the most commissions on this policy	Form 5500
Primary Broker Website	https://www.bbinsurance.com/		Proprietary
Primary Broker Commissions	$120,000	Commissions earned by the Primary Broker on this policy	Form 5500
Primary Broker Office Name	Brown & Brown - Boston, MA	Office location that most likely serves the plan (based on proprietary logic)	Proprietary
Primary Broker Office City	Boston		Proprietary
Primary Broker Office State	MA		Proprietary
Primary Broker Office Zip Code	123456		Proprietary
Primary Broker Office Address	100 Brown Street		Proprietary
Lead Source	BenefitFlow		System
Export Date	2/24/2022		System
Filing Date	3/31/2021	Tax year end of the employer’s most recent Form 5500 filing	Form 5500
BenefitFlow User	Matt@benefit-flow.com	BenefitFlow user who exported the data	System
BenefitFlow Employer URL	https://benefit-flow.com/Employer/820544687	URL of the employer’s profile in BenefitFlow	System

Broker Object

Primary source: Form 5500 & Proprietary (BenefitFlow) · Updates: Daily (Form 5500) / Continuous (entity data)

Field Name	Example	Description	Source
Record Type	Broker	Every row in this export represents a benefits brokerage	System
Broker Name	Brown & Brown	Name of the brokerage; scrubbed by BenefitFlow	Proprietary
Broker Website	https://www.bbinsurance.com/		Proprietary
Broker HQ City	Daytona Beach		Proprietary
Broker HQ State	FL		Proprietary
Total Office Locations	123	Count of the total number of offices that BenefitFlow has identified for the brokerage *Field is sensitive to filter selections*	Proprietary
Total Clients	1,498	Count of the total number of clients that BenefitFlow has identified for the brokerage *Field is sensitive to filter selections*	Form 5500
Total Contacts	300	Count of the total number of contacts that BenefitFlow has been able to identify for the brokerage	Proprietary
Total Employees	10,000,000	Sum of the total number of employees across all clients that are tied to the brokerage *Field is sensitive to filter selections*	Form 5500
Total Commissions	$129,000	Sum of the total $ of commissions that the brokerage earned across it’s clients *Field is sensitive to filter selections*	Form 5500
Total Carrier Premiums	$5,000,000	Sum of the total $ of premiums that the brokerage placed across it’s clients *Field is sensitive to filter selections*	Form 5500
Lead Source	BenefitFlow		System
Export Date	2/24/2022		System
BenefitFlow User	Matt@benefit-flow.com		System
BenefitFlow Broker URL	https://benefit-flow.com/Broker?brokerId=ffff99aaccf53c9e994353538884d62e&brokerName=BROWN%20%26%20BROWN		System

Impact of Filter Selections: where noted above, filter selections will pass through to the book of business for each brokerage. For example, filtering to >1,000 employees and location of MI will focus in on brokers that have exposure to clients that fit that criteria. In turn, metrics such as Total Office Locations, Total Clients, Total Employees, Total Commissions, and Total Carrier Premiums will reflect clients that are in that target market.

Broker Office Object

Primary source: Form 5500 & Proprietary (BenefitFlow) · Updates: Daily (Form 5500) / Continuous (entity data)

Field Name	Example	Description	Source
Record Type	Broker Office	Every row in this export represents a brokerage office	System
Broker Name	Brown & Brown	Name of the brokerage; scrubbed by BenefitFlow	Proprietary
Broker Website	https://www.bbinsurance.com/		Proprietary
Broker Office Name	Brown & Brown - Boston, MA		Proprietary
Broker Office Address	100 Brown Street		Proprietary
Broker Office City	Boston		Proprietary
Broker Office State	MA		Proprietary
Broker Office Zip Code	123456		Proprietary
Total Clients	1,498	Count of the total number of clients that BenefitFlow has identified for the brokerage *Field is sensitive to filter selections*	Form 5500
Total Contacts	20	Count of the total number of contacts that BenefitFlow has been able to identify for the brokerage	Proprietary
Total Employees	10,000,000	Sum of the total number of employees across all clients that are tied to the brokerage *Field is sensitive to filter selections*	Form 5500
Total Commissions	$129,000	Sum of the total $ of commissions that the brokerage earned across it’s clients *Field is sensitive to filter selections*	Form 5500
Total Carrier Premiums	$5,000,000	Sum of the total $ of premiums that the brokerage placed across it’s clients *Field is sensitive to filter selections*	Form 5500
Lead Source	BenefitFlow		System
Export Date	2/24/2022		System
BenefitFlow User	Matt@benefit-flow.com		System
BenefitFlow Broker URL	https://benefit-flow.com/Broker?brokerId=ffff99aaccf53c9e994353538884d62e&brokerName=BROWN%20%26%20BROWN		System

Contact Object

Primary source: Public profiles, third-party data partners, State Departments of Insurance · Updates: Every 2 weeks (contacts), Monthly (licensing)

Contacts appear as both Broker Contacts and Employer Contacts in platform exports. Personal and professional fields below apply to both types — the Record Type field distinguishes them. Each contact record also carries the full set of account fields for its associated organization: Broker Contacts include firm-level Broker fields (Headquarters, Total Office Locations, Total Clients, etc.) and Employer Contacts include Employer fields (NAICS, EIN, employee counts, funding, primary broker, etc.). For the full field-level schema of each type, see the Bulk Data Schema Reference.

Field Name	Example	Description	Source
Record Type	Broker Contact	Every row in this export represents a contact (`Broker Contact` or `Employer Contact`)	System
Contact Full Name	John Smith		Public profiles & partners
Contact First Name	John		Public profiles & partners
Contact Last Name	Smith		Public profiles & partners
Contact LinkedIn URL	linkedin.com/Johnsmith		Public profiles & partners
Contact Email	john.smith@pacificresources.com		Public profiles & partners
Email Verification Status	Verified	Based on input from a third-party email verification service	Third-party verification
Contact Mobile Phone 1	(921) 404-6756	Best available mobile phone number	Public profiles & partners
Contact Mobile Phone 2			Public profiles & partners
Contact Mobile Phone 3			Public profiles & partners
Contact Professional Phone 1	(921) 876-1549	Best available office phone number	Public profiles & partners
Contact Professional Phone 2			Public profiles & partners
Contact Professional Phone 3			Public profiles & partners
Contact City	Boston	Location of contact (as per social profiles)	Public profiles & partners
Contact State	MA		Public profiles & partners
Contact Job Role	Producer	BenefitFlow defined category (based on proprietary logic)	Proprietary
Contact Job Title	Benefits Consultant	Job title of contact (as per social profiles)	Public profiles & partners
Contact Yrs. In Role	1.0		Public profiles & partners
Contact Yrs. At Company	3.2		Public profiles & partners
License Types	Health, Property, Casualty, Life	Insurance license types held by the contact. Broker contacts only.	State DOI
NPN Number	2852717	National Producer Number — unique insurance license identifier. Broker contacts only.	State DOI
Carrier Appointments	272	Number of active carrier appointments the contact holds. Broker contacts only.	State DOI
Associated organization fields		Broker Contacts carry the full Broker Object field set (Broker Name, Broker Website, Headquarters, Total Office Locations, Total Clients, Total Contacts, Total Commissions, Total Carrier Premiums, BenefitFlow Broker URL) plus the closest broker office. Employer Contacts carry the full Employer Object field set (Employer Name, Employer Website, NAICS, EIN, location, employee counts, funding, entity type, lines of business, primary carrier, benefits renewal date, primary broker, P&C broker/carrier/renewal, PEO, accounting firm, benefits rating, BenefitFlow Employer URL) plus the primary broker reported office.	Proprietary
Closest Broker Office Name	Brown & Brown - Boston, MA	Closest office location (broker contacts)	Proprietary
Closest Broker Office Address	100 Brown Street	Broker contacts	Proprietary
Closest Broker Office City	Boston	Broker contacts	Proprietary
Closest Broker Office State	MA	Broker contacts	Proprietary
Closest Broker Office Zip	02110	Broker contacts	Proprietary
Primary Broker Reported Office Name	Mercer - Wilmington, MA	Broker office as reported on the 5500 (employer contacts)	Form 5500
Primary Broker Reported Office Address	1 Reading Rd	Employer contacts	Form 5500
Primary Broker Reported Office City	Wilmington	Employer contacts	Form 5500
Primary Broker Reported Office State	MA	Employer contacts	Form 5500
Primary Broker Reported Office Zip	01887	Employer contacts	Form 5500
Lead Source	BenefitFlow		System
Export Date	2/24/2022		System
Data Last Updated	12/31/2021		System
BenefitFlow User	Matt@benefit-flow.com		System

Workers’ Compensation Object

Source: State WC databases, NCCI, carrier filings · Updates: QuarterlyP&C fields reflect the current product release. Field availability may vary by subscription tier.

Field Name	Example	Description	Source
WC Carrier	State Fund	Workers’ compensation insurance carrier for the employer	State WC DBs / NCCI
WC Broker	Marsh & McLennan	Broker managing the employer’s workers’ compensation policy	State WC DBs / NCCI
WC Policy Term	01/01/2025 – 01/01/2026	Start and end dates of the current WC policy	State WC DBs / NCCI
WC Renewal Date	January 1st	Upcoming renewal date for the workers’ compensation policy	State WC DBs / NCCI
Multi-State Coverage	CA, TX, NY	States where the employer holds active WC coverage	State WC DBs / NCCI

Experience Modification (X-Mod) Object

Source: NCCI, state insurance regulators · Updates: Quarterly

Field Name	Example	Description	Source
X-Mod Score	0.85	Experience modification rate — below 1.0 indicates a better-than-average safety record; above 1.0 indicates worse	NCCI / State regulators
X-Mod Year	2025	The effective year for the X-Mod score	NCCI / State regulators
Industry Comparison	Below Average	How the employer’s X-Mod compares to industry peers	NCCI / State regulators

OSHA Object

Source: U.S. Department of Labor · Updates: Weekly

Field Name	Example	Description	Source
Total Inspections	3	Number of OSHA inspections in the trailing 12 months	U.S. Dept. of Labor
Total Violations	5	Number of OSHA violations in the trailing 12 months	U.S. Dept. of Labor
Total Penalties	$12,500	Total OSHA penalty amount (USD) in the trailing 12 months	U.S. Dept. of Labor

DOT Object

Source: FMCSA (Federal Motor Carrier Safety Administration) · Updates: Weekly

Field Name	Example	Description	Source
Total Vehicles	150	Number of vehicles in the carrier’s fleet registered with FMCSA	FMCSA
Total Drivers	120	Number of drivers registered with FMCSA	FMCSA
Total Inspections	45	Number of DOT inspections on record	FMCSA
Total Violations	12	Number of DOT violations on record	FMCSA
Total Crashes	2	Number of crashes on record with FMCSA	FMCSA

Retirement Plan Object

Primary source: Form 5500 — Retirement Plan Filings (U.S. Department of Labor) · Updates: Daily

Retirement plan data appears on the Retirement tab of employer profiles. Employers with multiple retirement plans (e.g. a 401(k) and a Defined Benefit plan) display a plan selector — all fields below apply to the selected plan. All fields are sourced from Form 5500 retirement plan filings unless otherwise noted.

Overview

Field Name	Example	Description	Source
Total Assets	$245,000,000	Total net assets of the retirement plan as reported on the most recent filing	Form 5500
Avg Account Balance	$48,000	Total assets divided by participants with an account balance	Form 5500 (calculated)
Total Plan Participants	5,100	Total number of participants in the retirement plan	Form 5500
Participation Rate	89.2%	Percentage of eligible participants who are actively participating in the plan	Form 5500 (calculated)
Total Contributions	$32,000,000	Combined employee and employer contributions for the most recent plan year	Form 5500
Avg Contribution per Participant	$6,300	Total contributions divided by active participants	Form 5500 (calculated)
Accounting Firm	Ernst & Young (8 yrs)	Firm that performed the plan audit, with years of consecutive service	Form 5500
Financial Advisor	Mercer Advisors (5 yrs)	Registered investment advisor to the plan, with years of consecutive service	Form 5500
Recordkeeper	Fidelity Investments (12 yrs)	Plan recordkeeper, with years of consecutive service	Form 5500

Plan Insights

Plan Summary

Field Name	Example	Description	Source
Plan Type	401(k)	Type of retirement plan (e.g. 401(k), Defined Benefit Plan, 403(b))	Form 5500
Plan Inception Date	01/01/1995	Date the plan was originally established	Form 5500
Plan Features	Company Match, Auto-Enrollment, Profit Sharing	Plan design features reported on the filing, shown as tags	Form 5500

Participant Breakdown

Field Name	Example	Description	Source
Total Eligible Participants	5,720	Number of employees eligible to participate in the plan	Form 5500
Participation Rate	89.2%	Percentage of eligible participants who are actively participating	Form 5500 (calculated)
Participants with Account Balance	5,100	Number of participants who have a balance in the plan	Form 5500
Eligible But Not Participating	620	Number of eligible employees who have not enrolled in the plan	Form 5500 (calculated)
Active Participants	4,800	Number of currently employed participants	Form 5500
Retired or Separated Receiving Benefits	300	Number of former employees or retirees currently receiving distributions	Form 5500
Retired/Separated %	5.9%	Percentage of total participants who are retired or separated and receiving benefits	Form 5500 (calculated)

Contribution Breakdown

Field Name	Example	Description	Source
Employee Contributions (Total)	$18,500,000	Total employee deferrals for the plan year	Form 5500
Employee Contributions (Per Participant)	$3,854	Employee contributions divided by active participants	Form 5500 (calculated)
Employee Contributions (% of Total)	57.8%	Employee contributions as a percentage of total contributions	Form 5500 (calculated)
Employer Contributions (Total)	$13,500,000	Total employer contributions (match, profit sharing, etc.) for the plan year	Form 5500
Employer Contributions (Per Participant)	$2,813	Employer contributions divided by active participants	Form 5500 (calculated)
Employer Contributions (% of Total)	42.2%	Employer contributions as a percentage of total contributions	Form 5500 (calculated)

Compliance Flags

Field Name	Example	Description	Source
Fidelity Bond	$5,000,000 (2.0% of assets)	Dollar amount of the plan’s fidelity bond and its coverage as a percentage of total assets; flagged if below the DOL-required threshold	Form 5500
Corrective Distributions	$45,000	Dollar amount of corrective distributions made during the plan year; flagged if non-zero, which indicates the plan failed nondiscrimination testing (ADP/ACP)	Form 5500
Transmit Failure	$0	Dollar amount of late employee contributions remitted to the plan; flagged if non-zero, which indicates the employer failed to transmit deferrals on time	Form 5500

Admin Expenses

Field Name	Example	Description	Source
Total Admin Expenses	$185,000	Total administrative expenses paid from plan assets for the plan year	Form 5500
Admin Expenses Per Participant	$36	Total admin expenses divided by total plan participants	Form 5500 (calculated)

Loans Outstanding

Field Name	Example	Description	Source
Participant Loans Outstanding	$3,200,000	Total dollar amount of outstanding participant loans against the plan	Form 5500
Loans as % of Total Assets	1.3%	Outstanding loans as a percentage of total plan assets	Form 5500 (calculated)

Service Providers

Field Name	Example	Description	Source
Provider Name	Fidelity Investments	Name of the service provider; links to the provider’s profile in BenefitFlow	Form 5500
Provider Type	Recordkeeper	Role of the provider (e.g. Financial Advisor, Recordkeeper, TPA, Accounting Firm)	Form 5500
Services	Recordkeeping, Participant Communications	List of services the provider performs for the plan	Form 5500
Fees	$125,000	Total fees paid to the provider from plan assets during the plan year	Form 5500

Plan History

Field Name	Example	Description	Source
Total Assets Trend	Bar chart	Year-over-year total plan assets across all available filing years	Form 5500
Contributions Trend	Stacked bar chart	Year-over-year employee and employer contributions shown as a stacked bar chart	Form 5500
Contributions Per Participant Trend	Line chart	Year-over-year employee and employer contributions per participant shown as separate trend lines	Form 5500 (calculated)

Filings

Field Name	Example	Description	Source
Plan Year	2023	Tax year covered by the Form 5500 filing	Form 5500
Sponsor Name	Amazon.com Services, Llc	Legal name of the plan sponsor as reported on the filing	Form 5500
Plan Name	Amazon.com 401(k) Plan	Official name of the retirement plan	Form 5500
EIN	01-2345678	Employer Identification Number of the plan sponsor	Form 5500
Participants	5,100	Total plan participants for that filing year	Form 5500
Document	View PDF	Link to the original Form 5500 filing document	Form 5500

Employer Object

Policy Object

Broker Object

Broker Office Object

Contact Object

Workers' Comp Object

X-Mod Object

OSHA Object

DOT Object

Retirement Plan Object

​Employer Object

​Policy Object

​Broker Object

​Broker Office Object

​Contact Object

​Workers’ Compensation Object

​Experience Modification (X-Mod) Object

​OSHA Object

​DOT Object

​Retirement Plan Object

​Overview

​Plan Insights

Plan Summary

Participant Breakdown

Contribution Breakdown

Compliance Flags

Admin Expenses

Loans Outstanding

​Service Providers

​Plan History

​Filings

Employer Object

Policy Object

Broker Object

Broker Office Object

Contact Object

Workers’ Compensation Object

Experience Modification (X-Mod) Object

OSHA Object

DOT Object

Retirement Plan Object

Overview

Plan Insights

Service Providers

Plan History

Filings