EBSA Monetary Recoveries, Fiscal Year 2025
Total monetary results EBSA obtained for plans, participants, and beneficiaries through civil enforcement and informal resolution.
One or more figures on this page are pending additional source verification and are shown as unconfirmed rather than estimated.
Year-Over-Year
Total recoveries held roughly flat at approximately $1.4 billion; a new No Surprises Act inquiry line recovered a separate $67 million not counted in this total.
What Changed in FY2025
A new No Surprises Act reporting line appeared in the fact sheet alongside otherwise-comparable enforcement volumes, just ahead of the incoming administration’s announced FY2026 shift toward cybersecurity as the top priority, continued mental-health and network-adequacy focus, and removal of ESOPs from the national enforcement project list.
EBSA's annual monetary-recoveries total blends two structurally different recovery channels into one headline figure: civil investigation recoveries, which come from a comparatively small number of larger, often litigated or negotiated matters, and informal complaint-resolution recoveries, which come from a much larger number of individual participant benefit disputes resolved without a formal investigation. Treating the combined total as a single exposure signal obscures which channel is actually driving a given year's number, and the two channels have very different implications for who is exposed and on what timeline.
Duration differs sharply between the two channels: civil investigation recoveries can take years to materialize, tied to the underlying investigation's own timeline, while informal complaint recoveries — typically involving a specific denied or delayed benefit claim — resolve in a matter of weeks once a Benefits Advisor engages with the plan directly. A plan sponsor or fiduciary should expect very different resolution timelines depending on which channel a given dispute falls into, and a recoveries figure that does not separate the two tells you little about which timeline applies to any specific matter.
For insurers and funders, the civil-investigation share of total recoveries is the more relevant figure for fiduciary liability exposure, since it reflects negotiated settlements and enforcement actions tied to identified breaches, while the informal-resolution share reflects routine claims administration friction that rarely rises to the level of an insurable fiduciary-liability event. A year-over-year increase driven primarily by one or two large civil settlements should be read very differently from an increase driven by a broader rise in informal complaint volume across many smaller plans.
Resolution paths for monetary recoveries mirror the channel: civil investigation recoveries are obtained through negotiated settlement agreements, consent orders, or litigated judgments restoring plan losses with interest, while informal recoveries are obtained through direct engagement between EBSA's Benefits Advisors and the plan or insurer, correcting a specific claim decision without any formal enforcement record. Criterica Intelligence frames total recoveries as two distinct populations requiring separate duration and resolution-path treatment, for the plan sponsors, insurers, and funders that need to know which channel is driving a given year's number.
See How EBSA Patterns Inform Duration IntelligenceTotal monetary recoveries: approximately $1.4 billion, per DOL EBSA, FY2025 monetary results (as of 2026-01-30).
Total recoveries held roughly flat at approximately $1.4 billion; a new No Surprises Act inquiry line recovered a separate $67 million not counted in this total.
No individually named, sourced action for FY2025 has been confirmed for this category yet.
A new No Surprises Act reporting line appeared in the fact sheet alongside otherwise-comparable enforcement volumes, just ahead of the incoming administration’s announced FY2026 shift toward cybersecurity as the top priority, continued mental-health and network-adequacy focus, and removal of ESOPs from the national enforcement project list.
Figures on this page are drawn from official agency publications, cited individually below, and reflect the agency’s own reporting as of the date shown for each figure. They are not Criterica Intelligence model outputs, are not predictions, and are not a measure of any party’s legal exposure or liability. Agencies periodically revise prior-year figures; where a revision is known, both figures are shown with their sources. This page does not constitute legal, investment, or compliance advice.