Two-Sided-Model Disclosure
Operated by ThinkNirvana LLC · Olney, MD · Last updated July 10, 2026
- Plan Vector is a paid product operated by ThinkNirvana LLC, built only from public Form 5500 filings. Subscribing providers pay for access.
- It is separate from the free Fiduciary Shield (published by ThinkNirvana Foundation) and has no access to Shield users' data.
- No pay-to-rank — no one can pay to change a score or the rankings.
- It is information, not advice, and not a quote.
Product: Plan Vector (the "Service").
Effective date: July 10, 2026 · Contact: legal@thinknirvana.org · ThinkNirvana LLC, Olney, MD
*Displayed conspicuously on the Plan Vector site (e.g., landing page + footer on every page), and presented at first sign-in.*
Plan Vector is a commercial product. Please read how it is funded.
Plan Vector is a subscription analytics service operated by ThinkNirvana LLC, a for-profit company. It is built entirely from public U.S. Department of Labor Form 5500 filings and ranks single-employer retirement plans over $100M by benchmarked cost, compliance, and multi-year "switch-readiness" indicators, with a citation to the underlying filing line behind every figure.
Subscribing providers pay for access. Our subscribers are asset managers, recordkeepers, insurers, and retirement-plan advisory firms. The Service is a paid product, and that is how it is funded.
This is separate from Fiduciary Shield. Fiduciary Shield is a *free* benchmark for plan sponsors, published by ThinkNirvana Foundation as a disinterested resource; it is not funded by the retirement industry. Plan Vector is different and separate: it is a commercial product operated by ThinkNirvana LLC, and providers pay for it. The two run on separate systems. Plan Vector has no access to Shield users' entered data — their inputs, queries, or session parameters — and is built solely from public filings. Information a plan sponsor provides to Fiduciary Shield is never used in, or shared with, Plan Vector.
No pay-to-rank. Rankings, scores, and indicators are produced algorithmically from public filing data. No subscriber can pay to change its own score, alter a competitor's score, suppress a plan, or influence rankings. The methodology is applied uniformly to every plan in the dataset.
We do not represent anyone in the data. ThinkNirvana LLC is not affiliated with, endorsed by, or acting on behalf of any plan sponsor, service provider, or incumbent named in the data. Named entities are identified solely from their own public filings.
Information, not advice. Plan Vector provides benchmarks and indicators derived from public filings — not quotes, and not investment, legal, tax, actuarial, or fiduciary advice. Figures reflect the filing cycle they are drawn from and may lag current circumstances. Subscribers are responsible for their own use of the information and for compliance with all laws that govern their outreach and sales activity.
This document is being finalized with counsel; the version published here is the operative version at sign-up.