Noise vs. signal
Most raw "signals" are reporting artifacts, not distress. An asset drop can be a spin-off, not flight.
Plan Vector ranks $50M+ mid- and large-market 401(k) and 403(b) plans by a multi-year switch-readiness signal, cleansed of reporting artifacts — so your team spends billable hours on plans with real intent, not accounting noise.
Form 5500 Every figure traces to a public DOL Form 5500 filing line. Benchmarks, not quotes. No pay-to-rank. Read the disclosure →
Large plans re-bid infrequently — a narrow window at high stakes. The mid-market ($50M–$100M) is a far larger, more frequently-moving, more cost-sensitive universe. Both are buried in the same public 5500 noise, where a spin-off, a netting change, or a reporting shift reads like distress — and non-billable hours get spent on plans with no intent to move.
Most raw "signals" are reporting artifacts, not distress. An asset drop can be a spin-off, not flight.
Large plans move in rare, high-stakes windows; the mid-market moves more often and at far higher volume. Either way you need the signal to catch them in motion.
Commodity 5500 tools surface generic red-flag lists with no materiality gate, and leave the analyst to interpret charts.
Two indicators frame every plan — one a multi-year trajectory, one present-state — each computed uniformly from public filing data and cited to the underlying Form 5500 line.
Who is in motion and winnable this cycle — a multi-year trajectory across 2009–2024, cleansed of reporting artifacts. The prioritization lens: it ranks where cited distress is converging, so your team works the strongest-cased plans first.
Current cost and compliance pressure versus size peers — the standing case for a conversation. The present-state lens.
The differentiator versus commodity 5500 tools: it isolates accounting artifacts from real distress, gates flags for materiality, surfaces the incumbent and its tenure, and delivers a plain-English, line-cited pre-RFP playbook where why it's moving and how to win it tell one story.
Isolates spin-offs, netting, and reporting-basis changes from genuine plan distress, so a trajectory reads true.
Every threshold is calibrated to where a plan sits in its size-peer distribution — not an arbitrary cutoff.
Compliance flags are gated for materiality, cutting the administrative noise that clutters raw red-flag lists.
Provider identity and tenure, plus a pre-RFP playbook whose counter-measure is built from the same signals that drive switch-readiness.
Each driver is drawn from a public Form 5500 line and gated for materiality before it counts.
Two ways to buy — a single target or the full ranked list. Every figure is fixed by the platform and applied uniformly; no pay-to-rank. Pricing is shared through a brief conversation.
One real plan's full record — figures with provenance chips, drivers, and a multi-year trajectory — plus its pre-RFP playbook. Best when you already have a target.
The full sortable, filterable ranked switch-readiness list — the targeting engine — plus unlimited firm unlocks and playbooks.
The same switch-readiness data serves providers and consultants alike — one dataset, applied uniformly.
Institutional sales, RFP & pricing teams.
Placing target-date, stable-value, and CIT arrays.
Group-annuity and stable-value competition.
Plan-consulting and advisory practices.
A subscription analytics product that ranks $50M+ mid- and large-market 401(k) and 403(b) plans by a multi-year switch-readiness signal, built entirely from public Form 5500 filings, with every figure cited to a filing line.
Exclusively from public U.S. Department of Labor Form 5500 filings — the same filings every large plan files each year.
No. Rankings and scores are produced algorithmically and applied uniformly to every plan. No subscriber can pay to change its own score, alter a competitor's, suppress a plan, or influence rankings.
As a per-firm unlock (one plan's full record plus its pre-RFP playbook) or an annual platform subscription (the full ranked switch-readiness list plus unlimited unlocks). Pricing is shared through a brief conversation — contact hello@thinknirvana.org.
Verify your work email to explore the universe and see the synthetic worked example — then unlock a specific plan for its full record + pre-RFP playbook. For the full ranked list, talk to us.