# Benefits Intelligence Atlas

> Search U.S. employer benefit plans by company name or EIN to answer: is the plan self-funded or fully-insured, how many participants does it cover, and who administers it? Built from the DOL Form 5500 (ERISA) dataset, plan year 2023.

Read this first; it governs everything below:
- This is a **reference catalog of recorded ERISA filings**. It **informs and compares** the public Form 5500 record. It is **not** a rating of plan quality, not legal/benefits advice, and not a substitute for the plan's Summary Plan Description (SPD).
- The **self-funded vs fully-insured label is DERIVED** from the filer's own Form 5500 line-9b boxes and describes the **whole filing**, not the health benefit alone. One filing usually bundles health + dental + life + disability, so a **"mixed"** result is common and honest — it means some benefits are insured and others self-funded; the form does not say which. To know how a specific health benefit is funded, read the SPD or Schedule A.
- To verify any record, search the original filing at DOL EFAST: https://www.efast.dol.gov/5500Search/

## Coverage

Every welfare benefit plan in the plan-year 2023 Form 5500 MAIN-form dataset (84,234 filings; the main form is filed by larger plans, generally 100+ participants — the smallest file the separate Short Form 5500-SF, not included here). Derived benefit arrangement:
- Fully-insured: 31,141
- Self-funded: 8,424
- Mixed (bundled benefits): 44,657
- Not stated: 12

Scope: **welfare plans only** (health, dental, vision, life, disability — the plans that carry the self-funded/insured distinction). Retirement/pension plans are out of v1 scope.

## How to use

- **Search:** `GET https://benefits-intelligence-atlas.ryanjhunter.workers.dev/api/search?q=<employer name or EIN>` -> JSON `{ results: [{ sponsor, slug, ein, partcp, cls, state }] }`. EIN lookup and name lookup share the one endpoint.
- **Per-plan page:** `https://benefits-intelligence-atlas.ryanjhunter.workers.dev/plans/<slug>` — leads with the funding answer, participant count, administrator, and the benefit list; routes to the SPD / DOL EFAST.
- **Per-plan structured facts:** `https://benefits-intelligence-atlas.ryanjhunter.workers.dev/plans/<slug>.jsonld` — schema.org Dataset + FAQPage with the interpretation boundary in the answers.

## Data

- Source: DOL Form 5500 Datasets (EBSA), https://www.dol.gov/agencies/ebsa/researchers/data/form-5500-datasets
- [Methodology & sources](https://benefits-intelligence-atlas.ryanjhunter.workers.dev/methodology) · [Sitemap](https://benefits-intelligence-atlas.ryanjhunter.workers.dev/sitemap.xml)