Frequently asked questions

We ingest Form 5500 bulk releases from the U.S. Department of Labor monthly. Filings have an inherent 7–12 month lag (plans must file by 7 months after plan-year end, with extensions). The most recent year shown in our database is typically 12–18 months old.

Decision-maker data is sourced from third-party B2B providers (primarily Apollo.io). Match rates and accuracy vary — people change roles often, and small or unusually-named sponsors are harder to resolve. We refund your credit automatically if the lookup fails to find a usable email. We always recommend verifying contact details before outreach. See Data Disclaimers for full details.

We compute administrative expenses ÷ end-of-year assets and bucket the result: A (≤0.5%), B (0.5–1.0%), C (1.0–1.5%), D (>1.5%). It's a simplified screening metric, not a comprehensive fee analysis. Read more.

No. Credits never expire and roll over from month to month, even after you cancel a subscription.

Your remaining balance stays in your account. You won't receive new credits after the current billing period ends, but you can still spend what you've already accumulated. You can also re-subscribe at any time and your credits will still be there.

Refunds are automatic. If you spend a credit and the system can't find usable data (no decision-maker match, no phone number found), the credit returns to your balance immediately. You'll see a refund banner on the plan page. You don't need to ask.

From your billing settings click "Manage subscription". You'll go to the Stripe customer portal where you can cancel, update your payment method, or view invoices.

That's your responsibility. Phone outreach is governed by the TCPA. Email is governed by CAN-SPAM. Some states have additional Do-Not-Call lists. Securities professionals also have FINRA and SEC marketing rules. We're a data provider — we don't screen against compliance lists. Make sure your outreach process is compliant for your business.

Plan data: U.S. Department of Labor Form 5500 bulk filings (public record). Decision-maker contacts: Apollo.io (third-party B2B provider). Company-domain inference: Brave Search API. We use Stripe for billing, Supabase for auth, Vercel for hosting.

All packages grant credits immediately the moment your payment clears.
Monthly ($100/mo): 150 credits the moment you subscribe, then 150 more on each monthly renewal. Cancel anytime.
Annual ($1,000/yr): all 1,800 credits delivered upfront on signup. You save $200 vs. monthly, and you can use the full year's credits whenever you want.
Credit packs ($1/credit): one-off purchase, no subscription, instantly added to your balance. Useful if you don't want recurring billing or just need to top up.

One account is intended for one user. Sharing credentials violates our Terms. Multi-seat / team plans are on the roadmap — email info@401khunter.com if interested.

Email support@401khunter.com. For removal of your own contact info from our enrichment cache, we'll process the request within a few business days. For corrections to underlying Form 5500 data, contact the DOL directly — we can't edit public filings.

No. Nothing on the Service is investment advice, legal advice, fiduciary recommendation, tax advice, or a solicitation. The fee grades, scorecards, and insights are simplified analytical signals. You're responsible for your own due diligence.

Over 1 million active U.S. retirement plans (full Form 5500 + Form 5500-SF combined) covering $28T+ in plan assets. Coverage is comprehensive — anything required to file Form 5500 with the DOL is in our database.

Yes. Go to My Plans and click "Export CSV" to download up to 250 unlocked plans per request, including the full scorecard, Schedule H/C disclosures, and any decision-maker contacts you've unlocked. Excel-compatible (UTF-8 with BOM).

Not yet. The product is currently search + UI + CSV export only. If you have a CRM or workflow that would benefit from a JSON API, email info@401khunter.com — we're prioritizing this based on demand.

You can search the full database and see fee grades, plan size, location, and sponsor name without paying — no signup required, just go to Search. The credit-gated parts are decision-maker contact info, full Schedule H financial detail, and CSV export. The $100/mo plan is month-to-month, cancel anytime — that's the closest thing to a trial.

Same underlying public data (Form 5500), but built differently: monthly transparent pricing instead of $5K–25K/yr enterprise contracts, fee-grade-first search (you can sort directly by overpriced plans), self-serve signup, and a credit model that doesn't lock you into seats you don't use. We have detailed comparisons against each one — see Judy Diamond, BrightScope, and Fi360.

Seconds. Filter by state, NAICS industry, asset range, participant count, and fee grade — the entire 1M+ plan database is indexed and searches return in under a second. Most advisors find their first 20–50 fit-prospects within their first session.