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. Exclusive. Early.
- ✓ Plans ranked by odds of switching next — before they move
- ✓ Live signals captured continuously, the moment they fire
- ✓ A pre-qualified territory list nobody else is calling yet
- ✓ Every score explained — the exact drivers behind it
- Real-time 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. We're the only platform that reads it. 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 decision-maker's direct line, and the exact reason it scored. Then it never stops watching. The week a plan in your territory makes its first move, the alert hits your inbox. Your competitor gets nothing.
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 that retrains itself on what actually closes.
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, and a switch score with every driver named. 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, direct line, and the "N× more likely" multiplier on each. The list nobody else has.
Work the list
Your pipeline, call states, notes and saved territories in one place — plus real-time alerts the instant 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 Anthropic 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 — and got the same lift two completely separate ways. Bottom line: work the top of the list, and the top of the list pays.
Like hiring a room of MIT algorithm developers.
Here's the difference: anyone can sort a spreadsheet. We don't. We use Anthropic 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 retrains itself. Every quarter, as new filings land and deals close, the algorithm relearns what actually converted — so it's sharper this month than last. Your spreadsheet will never do that.
- No hype. No black box. 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 advisor, recordkeeper, or TPA change.
How does it predict which 401(k) plans will switch advisors?
The engine — the Pre-Switch Signal Stack — is trained on 8.9 million Form 5500 filings across 10 years and calibrated on 610,000 real plan outcomes. 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?
Validated on real outcomes with leakage-free temporal holdouts, the plans it ranks highest go on to switch roughly 4.5× more often than average. It's a work-the-top-of-the-list tool: strong at the top of the ranking, honest that no model predicts every plan.
Where does the data come from?
Public U.S. Department of Labor EFAST2 Form 5500 filings — 836,000+ plans 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. 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.
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 direct line, the score, and the exact reason each one made the cut. You do what you do best: close.