Investigation Open·Data Breach

Northwest Retirement Plan Consultants, LLC Data Breach Case

State
SC
Filed
Mar 31, 2025
Data Types
9 types
Records
Not disclosed

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Quick Facts

State Filed
SC
Date Reported to AG
Mar 31, 2025
Date of Breach
Not disclosed
Records Affected
Not disclosed
Status
Investigation Open
Last Updated
Oct 5, 2026
Data Types Exposed
Full NameSocial Security NumberDate of BirthFinancial Account NumberRouting NumberWage and Compensation InformationTax Return InformationDirect Deposit Account DetailsHome Address

Incident Overview

Northwest Retirement Plan Consultants, LLC was the subject of a data breach notification filed with the SC Attorney General. The AG filing was recorded on March 31, 2025.

From the AG filing description

Northwest Retirement Plan Consultants, LLC operates within the specialized financial services and benefits administration sector, serving as a critical intermediary between employers, financial institutions, and individual participants. The company designs, administers, and manages complex retirement vehicles such as 401(k) plans, pension funds, and profit-sharing arrangements. In this capacity, Northwest Retirement Plan Consultants, LLC acts as a centralized repository for vast amounts of highly sensitive personal and financial data. To effectively execute plan administration, compliance testing, and asset distribution, the firm routinely collects, processes, and stores comprehensive records for thousands of plan participants, beneficiaries, and corporate clients across the nation. In 2025, Northwest Retirement Plan Consultants, LLC formally reported a significant cybersecurity incident to the South Carolina Attorney General. While the full forensic scope continues to be evaluated, security incidents affecting retirement and financial administration entities typically involve sophisticated cyberattacks such as unauthorized network intrusion, ransomware deployment, or third-party vendor compromise. Because these organizations maintain interconnected systems for asset management, compliance reporting, and participant communication, a breach often exposes vulnerabilities in legacy databases or administrative portals, allowing malicious actors to infiltrate internal networks and exfiltrate confidential files containing sensitive consumer information. The exposure resulting from this security failure puts affected individuals at severe and ongoing risk of identity theft, financial fraud, and targeted scams. The compromised data categories—which routinely include full legal names, Social Security numbers, dates of birth, financial account details, and employment compensation histories—provide cybercriminals with the exact combination of data points needed to execute account takeovers and open fraudulent lines of credit. For participants in retirement plans, the compromise of financial and tax-related information is particularly insidious, as it threatens their life savings, pension funds, and long-term financial security, requiring years of vigilant monitoring and defensive credit freezing. As a financial services and benefits administrator handling nonpublic personal information, Northwest Retirement Plan Consultants, LLC was bound by strict legal obligations to safeguard this sensitive data. Under the Gramm-Leach-Bliley Act (GLBA) and applicable state data protection statutes, financial institutions and retirement plan administrators are legally mandated to implement comprehensive administrative, technical, and physical safeguards to protect customer records against foreseeable threats and unauthorized access. The occurrence of a data breach of this magnitude serves as prima facie evidence of a potential failure in these statutory duties, suggesting that the company may have lacked adequate network segmentation, encryption protocols, intrusion detection mechanisms, or vendor risk management procedures. Receiving an official data breach notification letter from Northwest Retirement Plan Consultants, LLC is a formal admission that your confidential information was compromised due to inadequate security measures, and it establishes the legal standing necessary to participate in a class action lawsuit. Under prevailing legal standards, impacted individuals do not need to demonstrate that they have already suffered actual financial loss or identity theft to pursue legal recourse; the increased risk of future harm and the mandatory steps required to mitigate it are sufficient grounds for compensation. Our firm is actively investigating this breach on a contingency fee basis, meaning affected individuals pay absolutely nothing out of pocket, and we only recover fees if we successfully secure a financial recovery on your behalf.

Who Was Impacted?

Under the South Carolina data breach notification law, you may have a legal claim against Northwest Retirement Plan Consultants, LLC if any of the following apply:

  • You received a written data breach notification letter from Northwest Retirement Plan Consultants, LLC
  • You are or were a customer, patient, or employee of Northwest Retirement Plan Consultants, LLC
  • Your information was held by Northwest Retirement Plan Consultants, LLC in SC
  • Your bank or payment card data was potentially exposed

Exposed Data — What's at Risk

Based on the data types reported in this filing:

Identity Theftcritical risk

Your SSN is the master key to your identity. Once exposed, criminals can open new lines of credit, take out loans, or file taxes in your name.

Identity Verification Bypassmedium risk

Combined with a name and other leaked data, date of birth helps criminals pass identity verification questions at banks and government agencies.

Rights Under the Law

Common categories of compensation in data breach class actions

Time & Inconvenience

Courts recognize that the time spent monitoring accounts, placing credit freezes, and dealing with the aftermath of a breach has real economic value. This category of damages is recoverable even without direct financial loss.

Credit Monitoring & Identity Restoration

Professional credit monitoring services cost $10–$40 per month. Identity theft restoration services, if needed, can cost hundreds of hours and thousands of dollars. Courts have awarded these costs as direct damages in SSN breach cases.

Financial Losses & Fraudulent Charges

Direct financial losses resulting from the breach — unauthorized charges, fraudulent transfers, or fees incurred through fraud — are recoverable as compensatory damages. Banks may reverse some charges; a class action recovers the remainder and associated costs.

Statutory Minimum Damages

Several state data breach laws provide for statutory minimum damages — fixed amounts recoverable per affected individual regardless of actual loss. These provisions exist specifically to make legal action viable for victims who have not yet experienced direct harm.

Note: an attorney general breach filing does not by itself establish a settlement fund, a payment amount, or a claim deadline. If an official settlement notice is later issued, rely on that notice for payment details and deadlines.

Frequently Asked Questions

Do I need proof that my data was misused to file a claim against Northwest Retirement Plan Consultants, LLC?

No. Under South Carolina data breach notification law and federal law, the unauthorized exposure of your personal data — regardless of whether it has been actively misused — can be sufficient grounds for a claim. The breach itself is the injury.

How much does filing a claim cost?

Nothing. The Law Office of David S. Harris handles data breach cases on contingency — you pay zero upfront and owe nothing unless compensation is recovered.

My Social Security Number was exposed. What should I do right now?

Immediately place a free credit freeze at all three bureaus (Equifax, Experian, TransUnion). A freeze blocks new accounts from being opened in your name. Then file a complaint with the FTC at IdentityTheft.gov and contact our office — SSN exposure is one of the most serious breach types.

My financial account data was exposed. Can the bank recover my losses?

Banks may reverse fraudulent charges, but they are not obligated to compensate you for time lost, stress, or indirect damages. A class action claim against the breached company can recover those additional categories of harm.

Is it too late to file a claim?

Statutes of limitations for data breach claims vary by state but typically run 2–4 years. Depending on when you learned of the breach, you may still have time. Contact our office for a free eligibility review — there is no cost to find out.

What if Northwest Retirement Plan Consultants, LLC offered me free credit monitoring after the breach?

Accepting free credit monitoring from Northwest Retirement Plan Consultants, LLC does not waive your right to pursue legal action unless you signed a specific release waiving claims. In most cases, victims who accepted monitoring can still file.

Do I need to have received a notice letter to be eligible?

Not necessarily. Many data breach victims are never notified directly. If your personal information was held by Northwest Retirement Plan Consultants, LLC during the relevant period, you may still qualify even without receiving a letter. A free eligibility review can confirm your status.

Applicable State Law

This breach was reported under the South Carolina data breach notification law, which mandates notification and establishes your right to seek damages.

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