The calendar isn't a signal
A book gets worked by renewal date and by who called recently — not by which accounts are actually drifting.
By the time a plan issues an RFP, the decision is largely made. Plan Sentinel reads the same public filings your clients file every year and ranks your book by where attention is worth spending — so your relationship team arrives during the drift, not after the decision.
Form 5500 Every driver traces to a public DOL Form 5500 filing line. A prioritizer, not a prediction — it ranks where to look, it does not forecast who will leave. No pay-to-rank. Read the disclosure →
Retention is run on relationship memory and the renewal calendar. Meanwhile the signs a plan is drifting — cost pressure, participant leakage, a fiduciary reshuffle — sit in that plan's own public filings for a year or more before anyone issues an RFP. The incumbent has the most to lose and usually looks last.
A book gets worked by renewal date and by who called recently — not by which accounts are actually drifting.
Nothing in an incumbent's own systems shows a plan comparing itself to its peers. The drift is visible in the filings, not in the service log.
Defending a relationship after a formal RFP means competing on price against a decision that was already framed by someone else.
Point it at the plans you serve. Sentinel scores each one from its public filings, sorts the book so the top of the list is where the next call belongs, and gives the relationship manager a single briefed page for the conversation.
Multiple drivers moving the same direction across years. The accounts where a proactive conversation is worth having now.
Early or mixed movement. Not a fire drill — the accounts to check on before the next renewal cycle.
Nothing in the filings points to drift. Sentinel says so plainly, so the team can spend its hours elsewhere.
The whole book, ranked and sortable, with the reason for each ranking stated in plain English. It answers one question: who do we call, and why them first?
One account, one document — the multi-year trajectory, each driver cited to its filing line, and the specific facts worth raising. Built to be read before a meeting, not interpreted during one.
A retention tool that cries wolf gets ignored by the third week. Sentinel's discipline is what makes it usable on a Monday morning.
No black-box risk number. Each driver names the public Form 5500 line it came from, so an RM can defend the claim in the room — and check it.
Drivers are gated for materiality and for recency. A plan whose costs have been falling doesn't get flagged for cost pressure because of something that happened years ago.
It reads direction and ranks attention. It never claims a plan will re-bid or leave, and it says plainly when the filings show nothing.
It reports what a plan's own filings disclose. It does not reverse-engineer, infer, or publish any provider's pricing, spread, or margin — including yours.
Risk alone doesn't defend an account. Where a plan's filings show structural facts that make the existing relationship hard to replace — how the plan is organized, who it bargains with, how its money is actually moving, how open its investment lineup is — Sentinel surfaces them alongside the risk, each cited to its filing line. They are observed facts and a talking point for the conversation, not a claim about anyone's fees.
Every lever is something the plan itself disclosed publicly. Your team can raise it because it's on the record — no inference, no estimate presented as fact.
Where money is leaving a plan through channels the filings expose, Sentinel names the channel — a servicing conversation, not a pricing one.
Built for the incumbent side of the table — the people measured on retention, not on new logos.
Relationship management, client service, and retention teams.
Defending group-annuity and stable-value books.
Protecting placed target-date, stable-value, and CIT assets.
Retaining plan-consulting and advisory relationships.
Prospecting instead of defending? The same public-filing engine points the other way. Plan Vector → ranks the $100M+ plans that are in motion and winnable this cycle.
A subscription analytics product that ranks the $100M+ single-employer 401(k) plans you already serve by churn risk, built entirely from public Form 5500 filings, with every driver cited to a filing line. It produces a WATCH → ACT worklist and a per-plan At-Risk Report.
No. It is a prioritizer, not a prediction. It reads direction in a plan's own public filings and ranks where attention is best spent this cycle. It does not forecast whether any particular plan will re-bid or leave, and no score should be read as a prediction about a client.
Exclusively from public U.S. Department of Labor Form 5500 filings — the same filings your clients file every year. Plan Sentinel uses no client data and no internal system data.
No. It reports net-of-fee outcomes and cost levels as disclosed in a plan's own public filings. It does not reverse-engineer, infer, or publish any provider's pricing, spread, or margin.
No. Scores are produced algorithmically and applied uniformly to every plan. No subscriber can pay to change a score, suppress a plan, or influence rankings — including on its own book.
Plan Sentinel is an annual subscription scoped to the size of the book it covers. There's no online purchase — talk to us.
Tell us roughly how large your book is and we'll walk you through what Sentinel reads, what it deliberately refuses to claim, and what your own book looks like through it.