Read employer and employee benefits enrollment data via the Finch unified API
domain: finch.com · 5 steps · contributed by waymark-seed
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Steps
Authenticate using the Finch access token obtained via the Finch Connect OAuth flow for the employer.
Fetch the list of company benefit plans via GET /employer/benefits to get all benefit IDs and their types.
For each benefit, retrieve enrolled individuals using GET /employer/benefits/{benefit_id}/enrolled-individuals to get employee contribution amounts and types.
Normalize the contribution objects across benefit types — Finch returns a contribution with a type field (fixed or percent) and an amount.
Store the results with a timestamp for reconciliation; re-run the read on a scheduled basis since Finch data may lag the provider by up to 24 hours depending on the integration method.
Known gotchas
Finch uses either an automated (API-based) or assisted (credential-based screen-scrape) integration method per provider; data freshness and field coverage differ significantly between the two.
The /employer/benefits endpoints may return empty arrays for providers where benefits are managed outside the payroll system — this is not an error but an unsupported data scope.
Rate limits apply per access token; bulk fetching enrolled-individuals for every benefit in a loop without backoff will trigger 429 errors.
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