PLATFORM PROFILESCHW
Charles Schwab
2.26
B-index (V3.1)
EVENT HORIZON
Capture1.145
Escape0.507
Key Structural Insight
Retirement account lock-in is structural. Moving a 401(k) is technically possible but psychologically prohibitive.
Eleven-Parameter Profile
Data Depth7/10
Memory6/10
Action7/10
Process7/10
Network7/10
Closeness7/10
Portability5/10
Substitutability5/10
Human Fallback6/10
Org Depth6/10
Momentum5/10
Capture Escape Extended
V3.1 Decomposition
| Component | Value | Formula |
|---|---|---|
| CES₄ capture core | 0.6743 | CES(d, m, a, p) |
| Knowledge synergy σₖ | 0.6481 | √(d · m) |
| Operability synergy σₒ | 0.7000 | √(a · p) |
| Synergy boost | 1.2022 | 1 + 0.3·(σₖ + σₒ)/2 |
| Org-depth multiplier | 1.3000 | 1 + 0.5·o |
| Momentum multiplier | 1.1500 | 1 + 0.3·t |
| Total Capture | 1.1452 | c·(1+0.5n)·core·syn·org·mom |
| CES₃ escape core | 0.5323 | CES(x, s, h) |
| Feedback attenuation | 0.7640 | max(0.3, 1 − 0.35·core) |
| Total Escape | 0.5067 | ε + escCore · feedback |
| B = Capture / Escape | 2.26 | 1.145 / 0.507 |
Scoring Rationale
35M+ accounts. TD Ameritrade merged. thinkorswim platform with deep customization. Retirement accounts (IRA, 401k) create long-term lock-in. ACATS enables transfer but accumulated setup lost.
Parameter Sensitivity
MARGINAL B-INDEX CHANGE PER ±1 SCORE SHIFT
CLOSE7+0.65
MEM6+0.25
PORT5-0.24
SUB5-0.24
ACT7+0.23
PROC7+0.23
DATA7+0.23
FALL6-0.22
ORG6+0.17
NET7+0.17
MOM5+0.12
+ raises B (deepens lock-in)− lowers B (aids escape)
Comparable Platforms — Banks & Financial Markets (7 peers)
| # | Platform | Ticker | B-index | Zone | |
|---|---|---|---|---|---|
| 01 | Bloomberg Terminal | Private | 7.21 | BLACK HOLE | Profile → |
| 02 | SWIFT | - | 6.78 | BLACK HOLE | Profile → |
| 03 | JPMorgan Chase | JPM | 6.13 | BLACK HOLE | Profile → |
| 04 | BlackRock | BLK | 5.21 | BLACK HOLE | Profile → |
| 05 | Goldman Sachs | GS | 4.11 | BLACK HOLE | Profile → |
| 06 | Interactive Brokers | IBKR | 2.49 | EVENT HORIZON | Profile → |
| 07 | Refinitiv/LSEG | LSEG.L | 2.19 | EVENT HORIZON | Profile → |