401K

SCALER

Platform

How it works

Leadership

Pricing

For retirement plan advisors

Run 300 plans with the team that runs 100.

The quarterly reviews, the fee benchmarks, the IPS and committee minutes, the notice calendar, the participant meetings. 401KSCALER prepares each one from the plan's own recordkeeper data, on schedule, for you to review and sign. One firm runs 418 plans on it.

Plans onboarded

453

as of July 2026

Continue

1,200

investment reviews a year

on a 300-plan book: four per plan, each scored against that plan's own IPS

standing

418

plans on one firm's book

run day to day on the platform, reviews to notices

July 2026

review before anything goes out

an advisor reads every draft the platform writes. Nothing is sent on its own

standing

The problem

Plan fees fall every year. The work does not.

A plan advisor promises each sponsor the same service model whether the plan is $2M or $50M: four investment reviews scored against the IPS, an annual plan review, a fee benchmark, committee minutes, the notice season, the annual employee meeting.

On a 300-plan book that is 1,200 reviews and a hundred benchmarks a year, held together by a scoring tool, a benchmarking vendor, PowerPoint, a CRM, the TPA's portal and the recordkeeper's. Every hundred plans has meant another hire.

401KSCALER prepares the work from each plan's own data and puts it in front of the advisor to sign.

Investment Review · Fund Performance · IPS Builder

The quarterly review, done for every plan.

Each quarter, every plan's lineup is scored against its own investment policy statement: returns against peers over three and five years, expense ratio, manager tenure, the criteria the committee adopted. Funds that fail go on the watch list with a recommendation. The advisor reads it, changes what they disagree with, and signs. The committee gets the exhibit and the vault gets the file.

Investment Review

Fund lineup

IPS criteria

Watch list

Recommendation

Exhibit

Q3 2026 Investment Review — Redwood Bioventures 401(k)

Draft

Recommendation · Replace the Large Cap Growth Fund. It has ranked below the IPS threshold for two consecutive quarters. Retain the target-date series.

Sign review

Recommendation drafted · advisor editing

Scored against the plan's own IPS

The lineup comes from the recordkeeper and is scored on the criteria the committee wrote into the policy, fund by fund.

Watch list and recommendation drafted

A fund below the threshold two quarters running goes on watch. The recommendation says replace, retain or monitor, and gives the reason.

Signed, presented, filed

The advisor signs. The committee exhibit is built for the meeting. The vault keeps the signed review against the plan and the quarter.

Four reviews a year on every plan. On a 300-plan book that is 1,200 reviews, prepared before the advisor opens them.·standing

Fee Analysis · Plan Benchmarking · Recordkeeper RFP

Fees the sponsor can defend.

ERISA asks the plan fiduciary to know what the plan pays and to show it is reasonable. 401KSCALER splits each plan's cost into recordkeeping, investments and advice, benchmarks it against plans of the same size, and writes the sponsor report. When a plan sits above its peers, the recordkeeper RFP runs from the same screen: providers invited, responses scored, a finalist named.

Fee Analysis

Fee reasonableness report · Q3 2026 · 4 pages

This plan1.08%

Peer median0.98%

Peer 25th percentile0.84%

Send to sponsor

Sponsor report drafted

Cost split three ways

Recordkeeping, investment expense and advisory fee, per plan, per year, in dollars and in basis points.

Benchmarked to plans of the same size

The plan's all-in cost beside the median for its asset band. An outlier is flagged with the number.

RFP when the number says so

Providers invited, weighted responses scored, a finalist named, and the decision minuted. The benchmark file is the sponsor's proof of process.

A benchmark on every plan every third year. On a 300-plan book that is a hundred benchmarks a year.·standing

IPS Builder · Committee · Fiduciary Vault

A fiduciary file that holds up in a lawsuit.

Excessive-fee suits are won and lost on process: was there a policy, was it followed, were the decisions recorded. 401KSCALER builds the investment policy statement, drafts the committee minutes from the meeting, dates and signs every decision, and keeps every version. The sponsor's file is complete, and so is the advisor's.

Committee

Oct 21, 2026 · 4 members present · 2 decisions

Draft · for the chair

Decision 2 · Replace the Large Cap Growth Fund with the Large Cap Growth Index at the next quarter's rebalancing. Basis: two consecutive quarters below the IPS peer-rank threshold. Moved, seconded, carried 4–0.

Minutes drafted from the Oct 21 meeting

An IPS the committee ratified

Fourteen sections, the plan's own criteria, a signed and dated version. A new version supersedes the old and both stay.

Minutes drafted from the meeting

Agenda, attendance, the decisions taken and the reasons, drafted for the chair to sign. Nothing rests on someone's notes.

Every decision, dated and kept

The review, the benchmark, the fund change, the minutes: one file per plan, with the audit trail of who changed what.

1,100 plan documents filed and linked to their plans on one firm's vault.·July 2026

Plan Deadlines · Sponsor Obligations · Reviews

Nothing falls between the sponsor, the TPA and the recordkeeper.

The advisor does not file the 5500 or mail the safe harbor notice, and still gets the call when they are late. 401KSCALER keeps one calendar per plan with who owes each item: the TPA's testing and filing, the recordkeeper's notices, the sponsor's deposits, the advisor's reviews. What others send, the advisor confirms in one click. What they miss shows up before the deadline.

Plan Deadlines

All open 180Next 180 days 42Overdue 6Late deposits 1

Nov 18, 2026

Nov 9

Late deposit

Codex Digital 401(k) · Fidelity NetBenefits

Oct 19 payroll · due Oct 28 · correction drafted

Sponsor12 days late

Deferrals for the Oct 19 payroll were due by Oct 28, seven business days for a plan under 100 participants, and deposited Nov 9 · 12 days late · lost earnings $41 · VFCP correction drafted

Send to sponsor

Dec 1

Safe Harbor Notice

Lighthouse Credit Union 401(k) · Empower

for the 2027 plan year

RecordkeeperOpen

Dec 1

QDIA Notice

Lighthouse Credit Union 401(k) · Empower

RecordkeeperOpen

Jan 20

Q4 investment review

Redwood Bioventures 401(k) · Fidelity NetBenefits

AdvisorOpen

Mar 15

ADP/ACP testing and corrections

Keystone Property Mgmt 401(k) · Paychex

TPAOpen

Aug 2

Form 5500

Keystone Property Mgmt 401(k) · Paychex

for the 2026 plan year · Jul 31 falls on a Saturday

TPAOpen

Late deposit · Codex Digital · 12 days late · correction drafted

Every item, with its owner

Form 5500, ADP/ACP testing, the safe harbor and QDIA notices, the summary annual report, the audit for plans over 100 participants: each with a date and the party responsible.

Late deposits caught

Deferrals deposited late are the DOL's most common finding. They surface here with the deadline, the days late and the correction to file.

Confirm what others sent

When the recordkeeper mails the notice, the advisor confirms it and the record carries the name and the date. Nothing closes on its own.

On a 300-plan book, more than 6,000 dated obligations a year, each with an owner.·standing

Plan Design · Education Campaigns · Participant Consultations

Participation and deferral rates you can move.

Sponsors judge the plan on whether people use it. 401KSCALER models the plan-design changes that move the numbers (automatic enrollment, automatic escalation, the match formula), runs the annual meeting and the education campaigns on a calendar, and tracks the one-on-one consultations. When a participant leaves and asks about a rollover, the recommendation is documented the way PTE 2020-02 requires.

Plan Design

Participation

75%

peer median 71%

Average deferral

6.1%

peer median 5.8%

Auto-enroll

match 100% of the first 4%

Average balance

$150K

per participant

participation

deferral

match cost

Current design

75%

6.1%

$412K

Auto-enroll 6% + 1% escalation

91%

7.4%

$468K

Recommend to sponsor

Modeled: auto-enroll 6% with 1% escalation

Design changes, modeled

Auto-enroll at 6% with 1% escalation: the projected participation, deferral and match cost, plan by plan, for the sponsor to decide.

Education on a calendar

The annual all-employee meeting, two campaigns a year, and the sponsor's cover note, drafted and scheduled for every plan.

Rollovers documented

A participant's rollover recommendation with the fee comparison and the best-interest reasoning, attested, in the file.

Participation, deferral rate and average balance per head, benchmarked against plans of the same size, on every plan.·standing

Plan Finder · Proposal Generator · Active RFPs

Win the next plan with the same team.

Every 401(k) plan files a Form 5500, and the filing says who runs the plan, how big it is, and, for larger plans, what it costs. 401KSCALER scores all of them for the signals that mean a plan is in play: no advisor named, late deposits, high assets per participant, a recordkeeper change, and for plans over 100 participants, fees above peers. Draw a radius around a ZIP code, pick the plans worth a call, and the proposal drafts itself from the plan's own filing.

Plan Finder

Mid-market ($1–10M)No advisor namedFees above peersLate deposits

212 plans within 25 mi

Trinity Freight Lines 401(k) · Paychex · $8.9M · 142 participants · all-in 1.31% · late deposits in 2024

Brazos Valley Orthodontics 401(k) · Fidelity · $6.2M · 84 participants · no advisor named

Lone Star Dental Group 401(k) · Voya · $4.1M · 61 participants · no advisor named

25 miles around 75201 · 212 plans

Scored from the filing

Assets, participants, the incumbent, late deposits and the other red flags from the 5500 the sponsor already filed; fees where the filing reports them.

Twenty-five miles around the office

A radius on any ZIP code or city, filtered to the asset band and the signals you want.

The proposal drafts itself

A side-by-side against the incumbent, in the advisor's voice, queued for a read before it goes.

Every Form 5500 filing in the country, scored and on the map: 24,589 cities.·July 2026

How it works

Connect the recordkeepers, set the service model, sign.

Connect the recordkeepers

Feeds where they exist, portal reads where they do not. Every plan's lineup, balances and participants, current.

Set the service model

What the service model includes and how often: reviews, benchmarks, meetings, notices. Who signs. Once, in Settings.

Run the quarter

The reviews, benchmarks and minutes appear on the calendar, drafted. The advisor signs each one. Nothing leaves without it.

Leadership

Built by an advisor and an engineer.

401KSCALER has two founders: an advisor who needed it and an engineer who could build it. Daren ran the firm and knew exactly what was missing. Charles wrote the software. The first version ran at Daren’s own practice before it ran anywhere else.

Daren Blonski

Co-founder · Managing Principal, Sonoma Wealth Advisors

Daren co-founded Sonoma Wealth Advisors and runs it as managing principal. He’s a CFP and an Accredited Investment Fiduciary who came to advising through psychology, not portfolios, and built a practice on the unglamorous half of the work: the compliance and the fiduciary records that have to survive an audit. Sonoma was 401KSCALER’s first pilot, and when the software makes a fiduciary call, it makes the one Daren would.

Charles Dawson

Co-founder · Founder, serveyou.ai

Charles is the founder of serveyou.ai and the engineer behind 401KSCALER. He built the system underneath the product: the layer that turns a plan’s raw recordkeeper data into a sponsor-ready review and keeps the audit trail intact. The discipline the product promises is enforced in his code.

Pricing

An annual subscription and a single onboarding fee. Terms are shared on request.

Schedule a conversation

Forty-five minutes, on your plans.

We walk through the platform with your operations and compliance leads, using your book. If it is the wrong shape for your firm, we will say so on the call.

401K

SCALER

Software for firms that advise 401(k) plans.

Established 2026 · San Francisco

Platform

Quarterly reviews

Fee benchmarking

Fiduciary file

Compliance calendar

Participants

Prospecting

Firm

Pricing

Schedule a conversation

Trust

Security posture

Fiduciary statement

Built on the serveyou.ai platform.