{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://api-evangelist.github.io/voya-financial/json-schema/voya-retirement-account-schema.json",
  "title": "Voya Retirement Account",
  "description": "Schema representing a Voya Financial retirement plan account.",
  "type": "object",
  "properties": {
    "accountId": {
      "type": "string",
      "description": "Unique identifier for the retirement account."
    },
    "planId": {
      "type": "string",
      "description": "Identifier for the employer-sponsored retirement plan."
    },
    "planName": {
      "type": "string",
      "description": "Name of the retirement plan (e.g., 401(k), 403(b), 457)."
    },
    "planType": {
      "type": "string",
      "enum": ["401k", "403b", "457", "IRA", "Roth IRA", "HSA", "pension"],
      "description": "Type of retirement or savings plan."
    },
    "participantId": {
      "type": "string",
      "description": "Unique identifier for the plan participant."
    },
    "accountBalance": {
      "type": "number",
      "description": "Current total account balance in USD."
    },
    "vestedBalance": {
      "type": "number",
      "description": "Vested portion of account balance in USD."
    },
    "contributionYTD": {
      "type": "number",
      "description": "Year-to-date employee contributions in USD."
    },
    "employerMatchYTD": {
      "type": "number",
      "description": "Year-to-date employer matching contributions in USD."
    },
    "deferralRate": {
      "type": "number",
      "minimum": 0,
      "maximum": 100,
      "description": "Employee contribution deferral rate as percentage of salary."
    },
    "investments": {
      "type": "array",
      "description": "Investment allocations within the account.",
      "items": {
        "type": "object",
        "properties": {
          "fundName": {"type": "string"},
          "ticker": {"type": "string"},
          "allocation": {"type": "number", "description": "Percentage allocation."},
          "balance": {"type": "number"},
          "shares": {"type": "number"}
        }
      }
    },
    "enrollmentDate": {
      "type": "string",
      "format": "date",
      "description": "Date the participant enrolled in the plan."
    },
    "lastUpdated": {
      "type": "string",
      "format": "date-time",
      "description": "Timestamp of the last account update."
    }
  }
}