Filter catalog

Every filter, what it does, and when to use it.

Every filter on /plans and /welfare, documented in plain language so you can pick the right cut without guessing. Each selection writes to the URL, so the searches you build here are bookmarkable and shareable.

Retirement filters Welfare filters How they combine

RETIREMENT - 9 GROUPS

Form 5500 retirement filings

Scan 401(k)s, defined-benefit, ESOPs, 403(b)s, and more. Every facet you check narrows the same row set; the count refines as you go.

Open retirement search

Size

Two ranges, segmented to industry-standard tiers. Each opens to a histogram slider when you need finer control.

Filter	What it is	Why use it
Total assets	Total plan assets at end of year, sourced from Schedule H line 1l(b) on large-plan filings or Schedule I line 1l on small-plan filings. Bucket presets: under $5M, $5M to $50M, $50M to $250M, $250M to $1B, over $1B. Custom ranges via the histogram slider.	Segment by AUM tier to match your target market. Mid-market and mega plans pay materially different fees and run different sales cycles - a $50M 401(k) isn't shopped the same way as a $5B megaplan.
Total participants	Headcount across active employees, retired beneficiaries, and beneficiaries receiving payments. Bucket presets: under 25, 25 to 100, 100 to 500, 500 to 5K, over 5K.	The 100-participant line is the audit threshold - plans crossing it pick up Schedule H, accountant review, and a different fee structure. Stratify by complexity, not just headcount.

Location

State, city, ZIP. All three match against the sponsor's mailing address on the most recent filing.

Filter	What it is	Why use it
State	Sponsor mailing-address state. 50 states plus DC, multi-select. Within-panel selections OR together (CA + TX = plans in either).	Territory targeting. Pair with state-specific Auto-IRA programs (CalSavers, OregonSaves) or with multi-state employers if you cover a regional book.
City	Free-text contains-match against the sponsor's mailing-address city. Case-insensitive.	Drill into a metro you cover when state is too broad and ZIP is too narrow.
ZIP	Five-digit ZIP exact-match. Three- or four-digit input prefix-matches a region of ZIPs.	Office-radius territory work. Pair with size to surface the prospects worth a same-day visit.

Plan type

Pick by subtype, lifecycle, sponsor structure, and tax class. Subtypes group visually by family (DC, Hybrid, DB) for orientation.

Filter	What it is	Why use it
Subtype	Mart-derived family classification: 401(k), 403(b)(1)/(7), profit sharing, money purchase, target benefit, SEP/SIMPLE, ESOP, stock bonus, traditional DB, cash balance, nonqualified, other DC. Multi-select. The list groups visually by family (DC / Hybrid / DB) for orientation.	Different subtypes need different advisor specialties. ESOPs have valuation and repurchase dynamics, cash-balance plans need actuaries, 401(k)s are open-architecture territory.
Lifecycle	Active, frozen, terminating, or wind-down. Derived from filing indicators (final-filing flag, frozen-plan code) plus a wind-down heuristic against asset trajectory.	Frozen and terminating plans signal successor-plan and rollover opportunities. Wind-down plans need transition support. Use to find time-sensitive sales motions.
Sponsor structure	Form 5500 Line A entity classification: Single-employer, Multiemployer (Taft-Hartley), Multiple-employer, Pooled Employer Plan (PEP), Group of Plans, DFE.	PEPs and MEPs sell to a different buyer (a pooled-plan provider), and multiemployer plans are collectively bargained. Each structure has its own RFP dynamic.
Tax class	403(b) for plans with pension code 2L/2M, For-profit otherwise. Government and church classifications are deferred to a future filter.	The tax-exempt 403(b) market - hospitals, universities, nonprofits - is a distinct sales channel from the 401(k) world.

Plan features

Plan-design booleans drawn from DOL pension feature codes. Selecting multiple features AND-composes (every checked feature must be present).

Filter	What it is	Why use it
QDIA (default investment) — 2T	Plan has a qualified default investment alternative under DOL safe-harbor 404(c)(5). Detected via DOL pension code 2T.	Plans without QDIA may be open to target-date-fund or managed-account conversations. QDIA adoption is a fiduciary checkpoint.
ERISA 404(c) plan — 2F	Participant-directed plan that has elected the ERISA 404(c) fiduciary safe harbor. DOL pension code 2F.	404(c) compliance is the fiduciary baseline for participant-directed plans. Plans without it carry a fiduciary review opportunity.
Partial participant-directed — 2H	Plan has both participant-directed and trustee-directed assets. DOL pension code 2H.	Hybrid governance is fertile ground for design-redo conversations - usually the result of a stale plan document.
Participant-directed brokerage — 2R	Plan offers a self-directed brokerage account window. DOL pension code 2R.	Brokerage windows attract sophisticated participants. Pitch advanced advisory or model-portfolio offerings.
Controlled group — 3H	Plan covers controlled-group members under IRC 414(b)/(c)/(m). DOL pension code 3H.	Multi-entity plans need controlled-group consulting and Section 415 aggregation. A specialized engagement.
Employer securities required — 3I	Plan documents require holding employer securities (typical of ESOPs and KSOPs). DOL pension code 3I.	ESOP / KSOP universe identifier when paired with the ESOP subtype.
Covered by PBGC — 1G (DB only)	Defined-benefit plan covered by Pension Benefit Guaranty Corporation insurance. DOL pension code 1G. Almost exclusive to traditional DB and cash balance plans.	PBGC premium burden plus complex actuarial environment make these distinct sales targets - DB-specialist territory.

Plan policy

Six advisor-screening booleans plus auditor opinion. Use these to short-list plans for compliance and design conversations.

Filter	What it is	Why use it
Safe harbor 401(k)	Plan is a safe-harbor 401(k) under IRC 401(k)(12) or (13) - matching or non-elective contribution structure that auto-passes ADP/ACP testing. Backed by Schedule R PEN_401K_DESIGN_BASED_SAFE_IND.	Different design philosophy: lower compliance burden, higher employer cost. Helpful for benchmarking against non-safe-harbor peers.
SECURE 2.0 mandated	Plan effective date is 2022-12-29 or later, putting it under SECURE 2.0's automatic-enrollment mandate (3% to 10% with 1% annual escalation through 15%).	Newer plans must support these auto-enrollment features. Surface for compliance review or upgrade conversations.
In an Auto-IRA state	Sponsor's mailing address is in a state with an active or enacted state-run Auto-IRA program (CA, OR, IL, CT, MD, plus several enacted-not-yet-active).	Sponsors in these states must offer either a private plan or join the state program. Competitive pressure on private 401(k) lapse and conversions.
Holds employer securities	Plan reports employer-stock or employer-real-property holdings at end of year on Schedule H Part I-A line 1d. Mart column holds_employer_securities.	Concentrated employer-stock holdings are a fiduciary review opportunity under ERISA 404(a)(1)(C) - especially relevant after Enron-era case law.
Has top hat statement	Sponsor's EIN has at least one Top Hat Plan Statement on file with DOL. Top Hat statements register non-qualified deferred compensation arrangements for select management or highly compensated employees.	Indicates the sponsor uses non-qualified deferred comp. Specialized advisory market - typically larger, more complex employers.
Auditor opinion	Schedule H Part 3 accountant's report opinion type. Multi-select: Unqualified, Qualified, Disclaimer, Adverse.	Qualified, Disclaimer, or Adverse opinions are compliance red flags worth a conversation. Pair with audit-firm filter to map a competitor's book.

Industry

One control: NAICS sector. The 20-sector grouping mirrors the NAICS hierarchy with code-folding for sectors that span multiple 2-digit codes.

Filter	What it is	Why use it
NAICS sector	Twenty 2-digit NAICS sectors. Manufacturing folds 31 / 32 / 33, Retail folds 44 / 45, Transportation folds 48 / 49 - the UI shows one checkbox and the WHERE clause auto-expands to all underlying codes.	Industry vertical targeting. Pair with size to define your ICP precisely (e.g. mid-market manufacturing, large-firm professional services).

Prospect flags

Sixteen flags plus an 'Any tripped' master toggle. Six are DOL-reported (always trustworthy when set); ten are threshold-driven (computed against peer cohort cutoffs in the prospect-flag mart). Each flag is a single named cutoff so a hit is auditable from the column alone.

Flag	What it signals	Source
Recently terminated plan	Plan reported a termination on its latest filing.	DOL-reported
Insufficient fidelity bond	Filed bond is below the ERISA section 412 minimum (10% of plan assets up to $500K, $1M if employer securities).	DOL-reported
Failed to transmit contributions	Sponsor reported failing to transmit participant contributions on time (Sch H/I line 4a).	DOL-reported
Failed to provide benefit	Sponsor reported failing to provide a promised benefit (Sch H/I line 4f).	DOL-reported
Corrective distributions	Plan made corrective distributions to fix a nondiscrimination test failure (Sch H/I line 4j).	DOL-reported
Loss from fraud or dishonesty	Plan discovered a loss from fraud or dishonesty (Sch H/I line 4l).	DOL-reported
High retiree share (>=25%)	Retirees and beneficiaries make up >=25% of total participants — signals a maturing or frozen plan.	Threshold-driven
Low return (bottom quintile)	Investment return ranks in the bottom 20% of the size + plan-type peer cohort for the year.	Threshold-driven
High admin fee per participant	Admin expenses per participant rank in the top 20% of the size peer cohort.	Threshold-driven
High cash allocation (>10%)	More than 10% of plan assets sit in cash or cash equivalents — drag on long-term returns.	Threshold-driven
Low participation rate (<70%)	Fewer than 70% of eligible employees have a balance in the plan.	Threshold-driven
Low assets per participant	Average balance per participant is in the bottom 20% of the peer cohort — under-saving signal.	Threshold-driven
Very high assets per participant	Average balance per participant is in the top 5% — concentrated wealth or executive plan.	Threshold-driven
Low employer contribution	Employer contribution per participant ranks in the bottom 20% of the peer cohort.	Threshold-driven
Low participant contribution	Participant deferrals per participant rank in the bottom 20% of the peer cohort.	Threshold-driven
Crossed 100 balance-holders	Plan crossed the 100-participant audit threshold in the latest year — small-plan filing privilege ends.	Threshold-driven

Why use these: Each flag is a prospect signal - a defensible reason to put the plan on a call list. The 'Any prospect flag tripped' shortcut matches when at least one fires; useful for breadth, less for depth. For a specific narrative (high admin fee, low participation, audit-flagged) check the individual flag instead.

Performance

Three bucketed ranges. Cutoffs anchor to advisor-meaningful lines: the 1.00% high-fee mark, the 0% growth pivot, and the 70% participation auto-flag threshold.

Filter	What it is	Why use it
Admin fees % of assets	Total administrative expenses (Sch H line 2i) divided by total_assets_eoy. Bucket presets: under 0.25%, 0.25 to 0.50%, 0.50 to 1.00%, over 1.00%.	Plans over 1% are fee-review candidates - the most common fee-compression conversation. Plans under 0.25% may already be on a low-cost recordkeeper, less ripe for displacement.
YoY asset growth	Signed % change in total_assets_eoy versus the prior plan-year filing. Bucket presets: shrinking, flat (0 to 5%), growing (5 to 15%), strong (over 15%).	Shrinking plans = retention conversation; assets are leaving. Strong-growth plans = participant-acquisition narrative or ESOP-style equity story.
Participation rate	Active participants with a balance divided by eligible employees. Stored 0 to 1; surfaced 0 to 100. Bucket presets: under 50%, 50 to 70%, 70 to 85%, over 85%.	Below 70% is the auto-enrollment / engagement opportunity threshold. Above 85% means use the plan as a benchmark.

Providers

One control: provider type-ahead. Filters return plans where any selected provider appears on the latest filing.

Filter	What it is	Why use it
Provider type-ahead	Multi-select against ~19,000 canonical providers from the dim_provider table - recordkeepers, advisors, TPAs, auditors. Resolves through the provider mart's EXISTS join (no full-table scan).	Surface plans served by a specific competitor or partner. Use for displacement plays, referral pitches, or to map a partner's book.

Live retirement filter rail on /plans showing all nine groups.

Live rail

This is what shows up on /plans

The collapsed rail on the left of /plans renders the same nine groups documented above. Open any group to expand its rows; the count badge next to the group label tracks the active filter count for that group.

WELFARE - 8 GROUPS

Form 5500 welfare filings

Health, dental, vision, disability, life. Schedule A premium and broker compensation, MEWAs, self-funded with stop-loss. Mirrors the retirement rail in shape; diverges only where the underlying data demands.

Open welfare search

Size

Three premium-and-headcount ranges. Premium follows Schedule A; persons covered is the broadest single coverage line per filing (so medical + dental + vision do not double-count).

Filter	What it is	Why use it
Total premiums	Total premium across all Schedule A carriers on the filing. Bucket presets: under $1M, $1M to $10M, $10M to $100M, $100M to $1B, over $1B.	Anchor by premium volume - the welfare equivalent of AUM. Mid-market premium tiers map directly to broker commission scales.
Persons covered	Maximum single-coverage line per plan (no double-counting medical + dental + vision). Bucket presets: under 100, 100 to 1K, 1K to 10K, 10K to 100K, over 100K.	Headcount-by-coverage proxy. Pair with funding type to sort population-funded plans from capitated arrangements.
Total broker compensation	Schedule A line 7 total broker commissions plus fees, summed across all carriers. Bucket presets: under $10K, $10K to $100K, $100K to $1M, over $1M.	Broker comp size approximates sales-cycle worth. High broker comp on a small-premium plan is an outlier worth investigating.

Location

Same as retirement: state, city, ZIP. Match runs on the sponsor mailing address.

Filter	What it is	Why use it
State	Sponsor mailing-address state. 50 states + DC, multi-select with OR semantics.	Territory targeting and regional employer focus.
City	Free-text contains-match against the sponsor's mailing-address city. Case-insensitive.	Drill into a metro you cover when state is too broad.
ZIP	Five-digit ZIP exact-match. Three- to four-digit input prefix-matches a region of ZIPs.	Office-radius territory work.

Funding

Funding type drives most welfare conversations. Sponsor structure and stop-loss attribute live in the same group.

Filter	What it is	Why use it
Funding type	Five values: Fully insured, Self-funded, Mixed, MEWA (Multiple-employer welfare arrangement, ERISA 3(40)), Other (couldn't classify). Derived in the warehouse from Schedule A presence, benefit-code coverage, and TYPE_PLAN_ENTITY_CD.	Funding type drives most welfare conversations. Self-funded plans need stop-loss; fully-insured plans renew differently every year; MEWAs are a specialty market most brokers don't touch.
Sponsor structure	Form 5500 Line A entity classification, scoped to the four codes meaningful for welfare: Single-employer, MEWA, Multi-employer (Taft-Hartley), DFE (master trust / GIA filing).	Structure is independent of funding. Multi-employer welfare = collectively bargained Taft-Hartley fund (different sales motion); DFE = master-trust filing (group insurance arrangement).
Has stop-loss carrier	Plan has at least one Schedule A row coded as a stop-loss contract.	Self-funded plans without stop-loss carry catastrophic-claim risk - flag as stop-loss prospects or as part of a fiduciary review.

Coverage

Schedule A benefit-type booleans. AND-composes within the panel: checking two benefit types narrows to plans that cover both.

Filter	What it is	Why use it
Health / Dental / Vision / Life / STD / LTD / Drug	Schedule A bnft_<code> booleans, one per benefit type. Multi-select within the panel AND-composes - checking Dental + Vision returns plans that cover BOTH.	Build a coverage portfolio match. 'Dental + vision + life + STD' finds plans with a full ancillary suite - typical sweet spot for cross-sell or carve-out conversations.

Industry

Same NAICS sector list as retirement. Code-folding rules are identical.

Filter	What it is	Why use it
NAICS sector	Same 20-sector list as retirement, with the same code-folding (Manufacturing 31/32/33, Retail 44/45, Transportation 48/49 - UI shows one checkbox, query auto-expands).	Vertical targeting. Common pairings: Healthcare and Manufacturing (large self-funded), Construction (Taft-Hartley funds), Professional Services (mid-market fully-insured).

Performance

Year-over-year and unit-economic ranges. Cuts highlight renewal-timing, claims-experience, and broker-compensation outliers.

Filter	What it is	Why use it
YoY premium %	Signed % change in total_premiums versus the prior plan-year filing. Bucket presets: shrinking (under 0%), flat (0 to 5%), rising (5 to 20%), strong (over 20%).	Premium spikes signal carrier re-rates or population growth. Renewal-conversation timing - rising or strong-growth plans are the natural call list.
Retention rate	(Premium minus claims) divided by premium. Stored 0 to 1; surfaced 0 to 100. Bucket presets: very low (under 20%), low (20 to 50%), moderate (50 to 80%), high (over 80%).	High retention means the carrier kept more of the premium - profitable for them, possibly leaving room for the sponsor to push back. Low retention means high claims - underwriting concern.
Broker comp % of premium	Total broker compensation divided by total premiums, expressed as a percent. Bucket presets: low (under 2%), moderate (2 to 5%), high (5 to 10%), very high (over 10%).	Outlier broker-comp ratios drive two narratives: high (top 10% of cohort) is a fee-benchmarking opportunity; very low or zero suggests a direct-write or RIA-style relationship.

Prospect flags

Eleven welfare-specific signals plus an 'Any tripped' master toggle. All are threshold-driven (computed against peer cohort cutoffs and prior-year filings); welfare doesn't have the deterministic / threshold split that retirement uses.

Flag	What it signals	Source
Premium spike (>20% YoY)	Total premiums grew more than 20% year over year — likely re-rated or covered population grew.	Threshold-driven
Carrier switched YoY	Primary insurance carrier changed from the prior year filing.	Threshold-driven
Broker switched YoY	Primary broker / agent changed from the prior year filing.	Threshold-driven
High broker comp %	Broker compensation is in the top 10% of the size-cohort as a share of premiums.	Threshold-driven
Underbroker / direct-write	Broker compensation is below 1% of premiums or zero — possible direct-write or RIA-style relationship.	Threshold-driven
Carrier concentration	One carrier carries >80% of total premiums — single point of failure for renewal.	Threshold-driven
Premium-per-life outlier	Premium per covered person is in the top or bottom 5% of the size-cohort — possible mis-coding or rich plan.	Threshold-driven
No broker reported	No Schedule A broker/agent compensation reported — direct relationship or unreported.	Threshold-driven
Self-funded, no stop-loss	Self-funded plan with no stop-loss insurance reported — bears full claims risk.	Threshold-driven
Recently terminated	Plan reported a termination on its latest filing.	Threshold-driven
Funding type transition	Funding type changed from the prior year (e.g. fully insured → self-funded).	Threshold-driven

Why use these: Each flag points at a specific renewal, retention, or risk conversation. Premium spikes catch re-rates; carrier or broker switches catch in-flight changes; concentration risk catches single-carrier dependence. The 'Any tripped' shortcut is the broad sweep.

Carriers & brokers

Two type-ahead controls. Both filter on the primary (largest-premium) relationship per filing - secondary carriers and brokers are not searchable from the rail.

Filter	What it is	Why use it
Carriers (type-ahead)	Multi-select against the canonical carrier table. Filters on the primary carrier (largest premium) per filing.	Find plans using a specific carrier - competitive intel, or partnership / co-marketing pitches.
Brokers (type-ahead)	Multi-select against the canonical broker table. Filters on the primary broker per filing.	Map a competitor's book or surface direct-write candidates.

Live welfare filter rail on /welfare showing all eight groups.

Live rail

This is what shows up on /welfare

The eight groups documented above render in the same order in the sidebar. Sponsor structure shows up as a subsection of Funding - it's not a separate top-level group, since most welfare-rail queries begin with a funding-type pick.

COMPOSITION

How filters layer

Three rules, no surprises. Hold these and the rail reads on its own.

Within a panel, OR

Check California and Texas; you get plans in either. Check Manufacturing and Healthcare; you get plans in either. Multi-select is union, never intersection.

Across panels, AND

Check California and Manufacturing; you get California manufacturers. Each new panel narrows the same row set the previous one built.

The URL is the saved search

Every selection writes its state into the address bar. Copy the URL, paste it in an email, bookmark it - the recipient lands on the same rows you did.

Worked example

"MEWAs in California with at least $10 million in premium"

Three filters, three panels: funding=mewa AND state=CA AND premium=10000000:. Each panel layers a new constraint over the same row set; the URL captures all three so the search is shareable.

Open this search

RECIPES