| Dataset | Source | Update Frequency |
|---|---|---|
| Employee Benefits | Form 5500 — U.S. Department of Labor | Daily |
| Contacts | Public profiles, third-party data partners | Every 2 weeks |
| Producer Licensing | State Departments of Insurance (DOI) | Monthly |
| Employer Sentiment | Employee review platforms | Weekly |
| Retirement Plans | Form 5500 — U.S. Department of Labor | Daily |
| Workers’ Compensation | State WC databases, NCCI, carrier filings | Quarterly |
| P&C Broker & Carrier | State-level filings and industry databases | Quarterly |
| Experience Modification (X-Mod) | NCCI, state insurance regulators | Regularly |
| OSHA | U.S. Department of Labor | Weekly |
| DOT | FMCSA (Federal Motor Carrier Safety Administration) | Weekly |
| Broker & Carrier Entities | Proprietary (BenefitFlow) | Continuous |
Form 5500
An annual report that every employer in the U.S. is required to file with the Department of Labor. This filing includes several valuable data points, including:- The various benefits offered by employers
- The benefits brokers that employers partner with
- The insurance carriers that employers pay premiums to
Who is exempt from filing a Form 5500?
Contacts
We have a proprietary 3-step process to generate the contact info in BenefitFlow:Our web crawlers comb public web profiles and company websites on a bi-weekly basis to maintain a list of the Benefits Producers, Account Managers, and Vendor Specialists that are currently employed at each brokerage.
We partner with leading contact data vendors to enrich that list with emails and phone numbers for those individuals.
Workers’ Compensation
BenefitFlow pulls workers’ compensation coverage data — including carrier, broker, policy term, and renewal dates — from state-level WC databases, NCCI (National Council on Compensation Insurance), and carrier filings. This data is refreshed quarterly as new filings and rate updates are published.Experience Modification (X-Mod)
Experience modification (X-Mod) scores, which measure an employer’s safety record relative to industry peers, are sourced from NCCI and state insurance regulators. X-Mod data is updated regularly as new scores are published.OSHA
Workplace safety data — including inspections, violations, and penalties — is sourced directly from the U.S. Department of Labor’s OSHA records. BenefitFlow surfaces a rolling 12-month history so you can quickly assess an employer’s safety profile. OSHA data is refreshed weekly.DOT
For employers with commercial fleets, BenefitFlow pulls inspection, violation, crash, and fleet-size data from the FMCSA (Federal Motor Carrier Safety Administration). DOT data is refreshed weekly.Producer Licensing
BenefitFlow enriches broker contacts with licensing and carrier appointment data from State Departments of Insurance (DOI) across 40 states. This powers the VerifyPro feature and includes:- License types (Health, Life, Property, Casualty)
- National Producer Number (NPN)
- Carrier appointments — which carriers a producer is authorized to place