Fin360AIForm 5500 signals
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Frequently asked questions

Answered in full, including the ones that are awkward for us. If what you need is not here, email admin@infinidatum.net and a person will answer it.

What this is

The short version, for someone who landed here from a search result.

What does Fin360AI actually sell?
Ranked lists of U.S. retirement plans that look like they are about to make a decision: change recordkeeper, renegotiate what they pay for administration, or close. Every list comes with an honest count of how often it has been right on years the model never saw, including where it has been wrong.
What is Form 5500?
The return every workplace benefit plan covered by ERISA has to file with the U.S. Department of Labor each year. Filing is not optional, and the Department publishes what it collects as a public government record.
Why does it matter that filing is required?
Because it means nothing is missing. Every plan is in there, not just the ones that turned up in the trade press or answered a survey. A ranking only means something if it covers everybody, and most commercial lists in this market are built on a slice nobody can describe.
Is this an AI product?
No, and calling it one would claim less than the truth. The models are ordinary, well understood pattern matching over numbers pulled out of the filings. The hard part is not the modeling. It is keeping track of which plan and which provider is which from year to year, so that a plan changing its ID number does not look like a plan shutting down. The testing page explains why.
How often does it refresh?
Monthly. The Department quietly folds amendments into the same download link, so a file can go out of date without its year changing. Every refresh we ask the Department's own server what each file's size and date are now, and re-download only what has actually changed.

The numbers

How to read the results, and what the four tests are for.

What does 'better than random' mean?
It compares the top tenth of a list against the same number of plans picked at random. Three times better, on something that happens to 3% of plans anyway, means about 9% of the plans at the top of the list turn out to be right: roughly one in eleven. That last figure, how often you would be right working down the list, is the one that actually matters to you, and it is the one we print.
What is the 'quiet plans' number, and why do you keep going on about it?
It is the same comparison, but counting only the plans where nothing obvious was going on: no change of provider, no change of auditor, a steady asset mix. Anyone with the same public filings can pick out the plans that already moved. Picking out the quiet ones is the part that cannot be copied from the news, so it is the test we care about most and the hardest one to pass.
Some of your lists fail their own tests. Why publish them?
Because the tests were written down before anything was measured. A list that ships with whatever result it got is worth more than one that ships with a bar quietly lowered to clear it. And if you found the failure yourself, you would have no reason to trust anything else here.
What does 'n/d' mean next to a number?
Not determinable. The result sat right on the line and moved depending on how the test was run, so calling it a pass or a miss would be reading too much into it. We print n/d instead of rounding it into a verdict, because calling a wobbly result a pass is the most tempting mistake available to us.
One list is marked withheld. What happened?
The list that ranks providers rather than plans scored perfectly in testing. A perfect score is not a result, it is a sign something is wrong: the thing we were asking it to predict had been built from a number the model could already see, so it was reading the answer off its own homework. It stays held back until it is rebuilt to predict next year from what is known this year. The overview page carries the full note.
Is a test result a forecast?
No. It describes how the model did on a stretch of years it was not built on. It is not a promise that the next stretch will look like the last one, and any model gets worse as the world moves away from the years it learned on. On one list here, how often the event happens already shifted noticeably between the years we learned from and the years we tested on. That is stated on its own page.
How do I check any of this?
Every test, every data check and how they stand right now are on the testing page, and the numbers on these pages are generated from the same data the product serves. If a figure here disagrees with the product, that is a bug and we want to hear about it.

The data

What is in the archive, what is not, and what the limits are.

Where does the data come from?
The Form 5500 files, downloaded from the Department of Labor's own file service. It is a public government record. Nothing here is licensed from a competitor, scraped from another vendor's product, or covered by somebody else's rules about what you may do with it.
How far back does it go?
Filing years 2009 through the most recent published year, across the main return, the short form, and the Schedule C and Schedule H files. The data page lists exactly what we hold right now.
Why is the newest year incomplete?
Filings arrive nine to eleven months after a plan's year end, so the newest year is always part filed. Rather than show you a half filed year as if the market were shrinking, every list says how much of that year has come in. The most recent year we can check outcomes against is earlier still.
Does this include plan participants' personal data?
No. Form 5500 describes the plan and the employer sponsoring it. There are no records about individual people in it and none in this product. If you have a question about your own retirement account, your plan administrator is the only place that can answer it.
Do you use the Schedule of Assets?
No. Attachments, including the Schedule of Assets, sit behind a separate request and nothing here depends on them. It is worth saying, because when a competitor tells you what a plan is holding, that attachment is usually where it came from. This product does not make that claim.
What is the biggest thing that can go wrong in this data?
Mistaking a change of ID for a change of behavior. A plan that gets renumbered looks like a plan that shut down. A provider that changes its tax ID looks like it just won thousands of clients. One firm buying another looks like thousands of plans switching on the same day. For a product whose whole job is spotting change, keeping track of who is who is a bigger part of the build than the modeling.

Access, pricing and support

How you get in, what it costs, and what state that is in today.

How do I sign in?
Either an email address and a password, or Google. Neither is better than the other: the same account, the same watchlist, the same view. If you set a password we store a scrambled version of it and never the password itself, so there is none here to lose. If you use Google there is no password at all. You pick which view leads and, if you like, your company domain. That is the whole account.
What does it cost?
Desk is $4,800 a year for one named user. Firm is $9,600, $19,200 or $38,400 a year for the whole team, depending on how many plans you want to see. Market, which is built for acquirers, has no price yet, because the firm-level list it exists for is held back and we will not charge for something we are holding back. Every tier is annual, and the pricing page shows what each one includes and what it does not.
Can I try it against plans I already know?
That is the only honest way to judge this. Email us and we will walk through your own book or your own territory, so you can hold the output up against your own read before spending anything.
Can I export the lists?
The product today gives you ranked lists in the browser, what moved since the last refresh, the filing history behind each plan, and watchlists. Bulk export and API access are still to come and are not something you can buy yet. The pricing page marks them that way rather than listing them as features.
Who answers when I email?
The person who built it. There is no ticketing system and no contact form. The contact page lists the subject lines that route a message to the right place first time.

Still deciding?

The fastest way to judge this product is to look at plans you already know. The testing page has the four tests and the data checks on the current build. The disclaimer sets out the limits we would rather you read before you sign up than afterwards.

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