Everyone else sells you last year's list.
Tired of buying the same lead list as every other advisor in your zip code? Fed up with calling plans that "switched" eighteen months ago? Ready to get there first for once? Here's the cold hard truth: legacy tools sell you a stale export of 5500 filings — history, not opportunity. By the time a plan shows up in that data, the RFP is out, the deal is gone, and you're just one more voicemail. You're racing to call fastest. The winners call first.
Reactive. Crowded. Late.
- ✕ Static lists of plans that already switched — history, not foresight
- ✕ Last year's filing data, refreshed once a year
- ✕ Every advisor working the exact same names
- ✕ No signal for why or when a plan will move
- ✕ You find out after the RFP is already out
Predictive. Explained. Early.
- ✓ Plans ranked by odds of switching next — before they move
- ✓ Live signals checked every day
- ✓ A pre-qualified territory list, ranked hottest first
- ✓ Every score explained — the exact drivers behind it
- Alerts the week a plan goes in-market
We read the moves a company makes before it decides to switch.
Here's the thing: a plan never wakes up one morning and switches. It tips its hand first — a move here, a filing there — and our algorithm reads every one of those tells, weighs it against ten years of outcomes, and stacks them into a single switch score. That's the Pre-Switch Signal Stack. That's what the Change Predictor reads. And no — we're not about to print the cues on a billboard for your competition to copy.
Point it at a territory. Watch the board light up.
Drop in a ZIP, a radius, or your whole state. In seconds, the AI ranks every plan by how likely it is to bolt — assets, distance, the phone number on file, and the exact reason it scored. Then it keeps watching — signals are checked every day. The week a plan in your territory makes its first move, the alert hits your inbox.
From a single plan to your entire territory.
One AI engine, three jobs — grade a plan, find the movers, work the list. All driven by the same model, rebuilt on each new filing year.
Grade any plan in seconds
Drop in any plan and the AI hands you an ERISApedia-grade report from its 5500 — fees, funding, red flags, peer benchmarks, the works. Walk in knowing their plan better than they do.
Find the movers
Scan a ZIP, radius, or state and get a ranked, pre-qualified hit list of the plans most likely to switch next — assets, distance, the phone number on file, and the "N× more likely" multiplier on each.
Work the list
Your pipeline, call states, notes and saved territories in one place — plus alerts the week a watched plan makes its move. You'll never cold-call blind again.
This isn't a hunch. It's validated.
Skeptical? You should be — most "AI" in this business is a sorted spreadsheet with a logo slapped on it. Ours is built on frontier AI and stress-tested the way an MIT lab would. We didn't tune a model until it looked good on paper. We learned the pattern on past years, then tested it on a future year we hid from it — no peeking. Bottom line: work the top of the list, and the top of the list pays.
Everyone has the data. One of us predicts.
We'll put the comparison in writing. Judy Diamond, Larkspur, BrightScope — respectable shops, deep databases. And every one of them is selling you last year. Eleven live signal feeds, scans running every day, an algorithm trained on ten years of Form 5500 filings — and then there's everybody else. Check the scorecard yourself.
| What you're buying | FiduciarySignal | Judy Diamond | Larkspur / RiXtrema | BrightScope (ISS) |
|---|---|---|---|---|
| Form 5500 plan database | ✓ 1,645,638 plans scored | ✓ | ✓ | ✓ |
| Predicts who's likely to switch — the "N× more likely" ranking | ✓ On every plan | ✗ | ✗ | ✗ |
| Distinct switch signals in the stack | ✓ 25 — the Pre-Switch Signal Stack | ✗ | ✗ | ✗ |
| Live signal feeds | ✓ Eleven live signals working your territory — the algorithm behind them predicts real change, trained on 10 years of filings | ✗ Static scorecards | ✗ Database + AI summaries | ✗ Ratings refresh annually |
| Ranked territory hit list, hottest first | ✓ ZIP, radius, or state | ✗ Search & filter | ✗ Search & filter | ✗ Analyst terminal |
| The whole country, one published price | ✓ All 50 states — $90/mo | ✗ State / regional / national tiers | ✗ Per-seat tiers, store-listed $1,595–$4,995/yr | ✗ Not published |
| Powered by AI, front to back | ✓ The AI is the ranking itself | ✗ | ✗ A chat box on a database | ✗ |
| Published pricing | $90/mo · $900/yr — on the site | Store-listed $795–$3,900/yr | Store-listed $1,595–$4,995/user/yr | Not published (checked 2026-09-13) |
| Free trial without a sales call | ✓ 7 days, start today | ✓ Trial form, no card | ✗ Book a demo | ✗ Talk to sales |
| Try it before you even sign up | ✓ The Test Drive | ✗ | ✗ | ✗ |
Comparison reflects each vendor's publicly documented offering and pricing pages as reviewed September 2026. "✗" means not publicly offered or advertised in that form. Judy Diamond, Larkspur, RiXtrema, BrightScope, and ISS are trademarks of their respective owners; no affiliation or endorsement implied. We think they're fine companies — for finding out what already happened.
Like hiring a room of MIT algorithm developers.
Here's the difference: anyone can sort a spreadsheet. We don't. We use frontier AI to read the messy, unstructured signals a spreadsheet can't even see — the way a team of top MIT computer scientists and algorithm developers would, if you could afford to keep them on staff. Eleven live feeds and ten years of filings — read in plain context, at a scale no human team could touch.
- Reads what a spreadsheet can't. Messy, unstructured, human-written records — understood in context, not just keyword-matched.
- Explains every score in plain English. Every ranked plan comes with the exact drivers behind it — so you walk into the call already knowing your angle.
- It learns from new filings. Each new filing year, the algorithm relearns what actually switched — so it's sharper this year than last. Your spreadsheet will never do that.
- Every score shows its reasons. We tell you straight: it's a work-the-top-of-the-list tool, and we show you exactly where the edge is real.
Frequently asked questions.
What is FiduciarySignal?
A prospecting platform for retirement-plan advisors with two tools: the Report Card, which grades any 401(k) plan from its public Form 5500 filing — fees vs peers, red flags, providers — and the Change Predictor, which ranks every plan in a territory by the odds of a winnable provider change — trustee, custodian, recordkeeper or administrator.
How does it predict which 401(k) plans will switch providers?
The engine — the Pre-Switch Signal Stack — is trained on 8.9 million Form 5500 filings across 10 years. It weighs 25 distinct switch signals — eleven of them live feeds, refreshed weekly. We don't publish the list, and that's deliberate: every cue we print is a cue a copycat ships next quarter. Every scored plan shows the verdict and the why. It reports calibrated likelihoods, not certainty.
How accurate is the Change Predictor?
Back-tested against the next year's Form 5500 filings — learned on earlier years, scored on a later year the model never saw. It is a work-the-top-of-the-list tool: strong at the top of the ranking, honest that no model predicts every plan. Every score shows its reasons.
Where does the data come from?
Public U.S. Department of Labor EFAST2 Form 5500 filings — every plan in the public Form 5500 corpus scored — plus live signal feeds refreshed weekly. Which feeds, exactly, stays in the vault — every source we name is a source a copycat wires up next quarter. FiduciarySignal is not affiliated with the DOL.
Who is it for?
Financial advisors, TPAs, recordkeeper wholesalers, and benefits professionals who prospect employer-sponsored retirement plans and want to work the plans most likely to move — instead of grinding the same cold lists as everyone else.
How is this different from a Form 5500 database?
A 5500 database describes last year's filing. The Change Predictor ranks what's likely to happen next: it orders plans by switch likelihood, refreshes live signals weekly, and ends in a decision — per-plan talking points and a ready outreach email. Learn more in our guides: how to get 401(k) leads, how to prospect 401(k) plans, and Form 5500 prospecting.
Is this a 401(k) lead generation service or lead agency?
No — it's 401(k) prospecting software, not a lead agency. You run the searches, you own the list, and retirement plan leads are never resold or shared with other advisors. The software surfaces which plans are most likely to switch; you make the calls. Compare it to the alternatives: best 401(k) prospecting tools.
How much does FiduciarySignal cost?
Pricing is published: $90 a month after a 7-day free trial (card at checkout, first charge on day 8, one trial per account), or $900 a year billed in full today with no trial. No demo call required.
Stop calling the plans everyone already lost.
Start calling the ones about to move.
Hand us your territory. The AI does the hunting — and hands back a ranked list of the plans about to switch, with the phone number on file, the score, and the exact reason each one made the cut. You do what you do best: close.