What documents does the DOL typically request in a health plan investigation?

While every investigation differs, EBSA request letters for group health plans draw from a consistent core list:

• Plan documents, wrap documents, amendments, and the Section 125 cafeteria plan document
• SPDs, summaries of material modifications, and evidence of distribution to participants
• Form 5500 filings and Summary Annual Reports
• Fiduciary committee charters, appointment records, and meeting minutes
• Service provider agreements, broker and consultant compensation disclosures under ERISA Section 408(b)(2)(B), and vendor selection records
• The ERISA fidelity bond
• Claims procedures, denied claims, and appeals files
• CAA compliance evidence: gag clause attestations, RxDC reporting confirmations, machine-readable file postings, and the NQTL comparative analysis

Reading that list is the best argument for maintaining a standing fiduciary file. Every item on it is something the plan should already have — the only question an audit really asks is whether you can find it.