You could use a filter. You'd just construct a filter with the bits on for all docs that had that term. You could cache these to make future searchers easier. I envision, say, caching one filter for each field and keeping them around so you could re-use them whenever you wanted.
See ConstantScoreQuery, CachingWrapperFilter, Filter, etc.... Note, you'd only have to construct these once and (I believe) that CachingWrapperFilter will keep them around for you, for how long I'm unclear. I was quite surprised by how quickly filters can be constructed..... Hope this helps Erick