401(k) providers
Asked as “401(k) provider”, and as “workplace retirement plan provider”, on behalf of a mid-market B2B company. 51 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each. Added to the November 2026 Edition.
Standing · first-choice share
27%
Contested · Fidelity Workplace Investing 16%
27Human Interest16Fidelity Workplace Investing10Guideline47others
27% of first choices, contested.
Since October 2026▲+7Since October 2026: 20% → 27%, +7 points. Inside the 13-point floor: within noise.Human Interest held the lead, +7 points on 20%, inside the 13-point floor.
By buyer segment
The same question asked on behalf of a different buyer. Each standing is computed within its segment; they sit side by side and are never added together.
Small business
Guideline25%Contested▼−18Since October 2026: 43% → 25%, −18 points. Past the 13-point floor: movement.Standing →Mid-market
Human Interest27%Contested▲+7Since October 2026: 20% → 27%, +7 points. Inside the 13-point floor: within noise.This pageEnterprise
Fidelity Investments48%Clear leader▲+11Since October 2026: 37% → 48%, +11 points. Inside the 13-point floor: within noise.Standing →
Guideline25%Contested▼−18Since October 2026: 43% → 25%, −18 points. Past the 13-point floor: movement.Standing →Mid-marketHuman Interest27%Contested▲+7Since October 2026: 20% → 27%, +7 points. Inside the 13-point floor: within noise.This pageEnterpriseFidelity Investments48%Clear leader▲+11Since October 2026: 37% → 48%, +11 points. Inside the 13-point floor: within noise.Standing →The standing
Share is the count of first choices across the direct, paraphrase, budget and scale prompts, over all fourteen models, for a mid-market B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrantSince October 2026
01Human Interest27%7%41accepted challenger▲+7Since October 2026: 20% → 27%, +7 points. Inside the 13-point floor: within noise.20% → 27%
Human Interest27%7%41accepted challenger▲+7Since October 2026: 20% → 27%, +7 points. Inside the 13-point floor: within noise.20% → 27%02Fidelity Workplace Investing16%0%17accepted challenger▲+16Since October 2026: 0% → 16%, +16 points. Past the 13-point floor: movement.0% → 16%
03Guideline10%4%25accepted challenger▼−10Since October 2026: 20% → 10%, −10 points. Inside the 13-point floor: within noise.20% → 10%
Guideline10%4%25accepted challenger▼−10Since October 2026: 20% → 10%, −10 points. Inside the 13-point floor: within noise.20% → 10%04ADP Retirement Services8%9%34accepted challenger▼−8Since October 2026: 16% → 8%, −8 points. Inside the 13-point floor: within noise.16% → 8%
05
Empower Retirement8%14%37accepted challenger▲+1Since October 2026: 7% → 8%, +1 point. Inside the 13-point floor: within noise.7% → 8%
Empower Retirement8%14%37accepted challenger▲+1Since October 2026: 7% → 8%, +1 point. Inside the 13-point floor: within noise.7% → 8%06
Fidelity Advantage 4016%7%29accepted challenger▼−3Since October 2026: 9% → 6%, −3 points. Inside the 13-point floor: within noise.9% → 6%
Fidelity Advantage 4016%7%29accepted challenger▼−3Since October 2026: 9% → 6%, −3 points. Inside the 13-point floor: within noise.9% → 6%07Employee Fiduciary 401(k) Plan6%0%18accepted challenger▲+4Since October 2026: 2% → 6%, +4 points. Inside the 13-point floor: within noise.2% → 6%
08Fidelity Investments6%0%13accepted challenger▼−7Since October 2026: 13% → 6%, −7 points. Inside the 13-point floor: within noise.13% → 6%
Fidelity Investments6%0%13accepted challenger▼−7Since October 2026: 13% → 6%, −7 points. Inside the 13-point floor: within noise.13% → 6%09Vanguard Workplace Solutions2%7%42accepted challenger▼−3Since October 2026: 5% → 2%, −3 points. Inside the 13-point floor: within noise.5% → 2%
10Betterment for Business2%0%12accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 13-point floor: within noise.0% → 2%
11
ShareBuilder 401k2%8%12accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 13-point floor: within noise.0% → 2%
ShareBuilder 401k2%8%12accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 13-point floor: within noise.0% → 2%Show the seven products at 0%, ordered by negative rate
18
Principal Financial Group0%36%11criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise.0% → 0%
Principal Financial Group0%36%11criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise.0% → 0%17T. Rowe Price0%31%13criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise.0% → 0%
16Paychex Retirement Services0%18%11accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise.0% → 0%
14
Principal0%12%17accepted challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 13-point floor: within noise.2% → 0%
Principal0%12%17accepted challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 13-point floor: within noise.2% → 0%12
Betterment at Work0%0%20accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise.0% → 0%
Betterment at Work0%0%20accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise.0% → 0%13Charles Schwab0%0%18accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise.0% → 0%
15
Vestwell0%0%10accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise.0% → 0%
Vestwell0%0%10accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise.0% → 0%The floor is 13 points of share, measured: how far the models move a leader on their own when the same questions are asked twice with nothing changed. A larger change is movement; a smaller one can't be told apart from repeat variation, and both are shown. Each index measures its own floor from its own repeat, over its own categories, so the floor differs from one index to the next. Both editions asked the same fourteen models. How the floor is measured
Bars are the share of first choices, 0 to 100Every product with at least 10 labels here. Every product name links to its product page.
For buyers
Head to head
All twenty-eight head-to-head pages: the top eight products, each against each
Human Interest vs Empower RetirementHuman Interest vs Fidelity Advantage 401Human Interest vs Employee Fiduciary 401(k) PlanHuman Interest vs Fidelity InvestmentsFidelity Workplace Investing vs GuidelineFidelity Workplace Investing vs ADP Retirement ServicesFidelity Workplace Investing vs Empower RetirementFidelity Workplace Investing vs Fidelity Advantage 401Fidelity Workplace Investing vs Employee Fiduciary 401(k) PlanFidelity Workplace Investing vs Fidelity InvestmentsGuideline vs ADP Retirement ServicesGuideline vs Empower RetirementGuideline vs Fidelity Advantage 401Guideline vs Employee Fiduciary 401(k) PlanGuideline vs Fidelity InvestmentsADP Retirement Services vs Empower RetirementADP Retirement Services vs Fidelity Advantage 401ADP Retirement Services vs Employee Fiduciary 401(k) PlanADP Retirement Services vs Fidelity InvestmentsEmpower Retirement vs Fidelity Advantage 401Empower Retirement vs Employee Fiduciary 401(k) PlanEmpower Retirement vs Fidelity InvestmentsFidelity Advantage 401 vs Employee Fiduciary 401(k) PlanFidelity Advantage 401 vs Fidelity InvestmentsEmployee Fiduciary 401(k) Plan vs Fidelity Investments
Recommended versus criticized
Every product with at least 10 labels here, on both axes. The 30% line names a quadrant, not the verdict above: that one needs more than 40%.
Criticized challengerCriticized default
Negative label rate →
01F02
03A04
0506E07
08V09
B10
1112C13
1415P16
T17
18Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative40%
Key
01Human Interest27%
Human Interest27%02Fidelity Workplace Investing16%
03Guideline10%
Guideline10%04ADP Retirement Services8%
05Empower Retirement8%
Empower Retirement8%06Fidelity Advantage 4016%
Fidelity Advantage 4016%07Employee Fiduciary 401(k) Plan6%
08Fidelity Investments6%
Fidelity Investments6%09Vanguard Workplace Solutions2%
10Betterment for Business2%
11ShareBuilder 401k2%
ShareBuilder 401k2%12Betterment at Work0%
Betterment at Work0%13Charles Schwab0%
14Principal0%
Principal0%15Vestwell0%
Vestwell0%16Paychex Retirement Services0%
17T. Rowe Price0%
18Principal Financial Group0%
Principal Financial Group0%What they warned about
Three of fourteen models held their first choice under the paraphrase. Claude Haiku 4.5, GPT-5.4 mini, Perplexity Sonar, Grok 4.20, Mistral Small, Llama 4 Maverick, Qwen 3.7 Flash, GLM 4.7 FlashX, MiniMax M2.5, GPT-6 Luna and Muse Glimmer 30B changed. A high negative share on a product with few labels is a warning. A low share on a product with many labels is salience, not sentiment.
John Hancock75%
6 of 8 labels negative · 6 of 14 models · 2 hard negative
“worst offenders are usually the insurance companies. John Hancock, Principal, Pru, T Rowe etc.” Muse Glimmer 30B, negative prompt
Prudential
100%
5 of 5 labels negative · 5 of 14 models · 3 hard negative
“Specific Providers to Avoid or Be Cautious About ... consistently rank among the most expensive 401(k) providers” GLM 4.7 FlashX, negative prompt
Principal Financial Group36%
4 of 11 labels negative · 4 of 14 models · 4 hard negative
“Frequently cited in consumer complaints for high miscellaneous charges and expense ratios.” Qwen 3.7 Flash, negative prompt
AXA
100%
4 of 4 labels negative · 4 of 14 models · 3 hard negative
“Specific Providers to Avoid or Be Cautious About ... These companies consistently rank among the most expensive 401(k) providers” GLM 4.7 FlashX, negative prompt
What they cite
Fourteen of the fourteen models returned a source list in this edition: five return the pages they cited and nine the search results they consulted.
Sites the answers cite
71 of 84 answers in this category came back with a source list, from 14 of 14 models: citations where the model returns them, or the search results it consulted. 757 links across 164 sites, every framing counted. Ranked by the number of answers carrying the site or page. 17 of the 252 answers across every segment cited this index's own page for the category; the method page measures whether that reading tilts an answer.
vendor site · ADP36 answers · 56 citations · 13 models
34 answers · 35 citations · 10 models
vendor site · Lead Change Group30 answers · 49 citations · 11 models
vendor site · Betterment22 answers · 31 citations · 12 models
vendor site · Employee Fiduciary19 answers · 31 citations · 11 models
17 answers · 27 citations · 8 models
vendor site · Reddit16 answers · 48 citations · 9 models
vendor site · Human Interest16 answers · 27 citations · 9 models
15 answers · 16 citations · 7 models
13 answers · 24 citations · 9 models
13 answers · 22 citations · 8 models
13 answers · 13 citations · 9 models
Pages the answers cite
The ten pages named in the most answers, by full address. A page here is one the models returned with a recommendation, not one the index endorses.
32 answers · 10 models
29 answers · 11 models
23 answers · 10 models
15 answers · 10 models
15 answers · 8 models
13 answers · 9 models
13 answers · 7 models
8 answers · 7 models
8 answers · 5 models
7 answers · 7 models
Search against answers
Each company's standing in the answers beside its site's footprint in Google search, one row a site: the products the models named on it with their shares, and the share they add up to; monthly searches on Google, and DataForSEO's estimate of AI search demand (modeled from search signals, directional, not a count of queries to any assistant), for the most-searched of the company's and its products' names (the name is in each row's hover text); estimated monthly organic visits to the site; and its best position in Google's top ten for “401(k) provider”, “401(k) providers”, “best 401(k) provider”. US estimates from DataForSEO and Google's Ads Transparency Center. A small company's site, or a mid-sized company's site for its flagship, is marked company; a product on a large parent's site (Google, Microsoft) has no site figures. A column with no figures for this category is left out, and an empty cell means none were seen, not none exist. Two measurements side by side: neither is read as the cause of the other.
| Company and products | Share | Own site cited | Name searches, Google | AI search demand, est. | Organic visits | Paid search a month, est. | Google ads, last 30 days | Best Google position |
|---|---|---|---|---|---|---|---|---|
| Human Interest humaninterest.com | 27% | 85 | 49,500 | 1,879 | 95,886 | $102 | 55 | |
| Fidelity fidelity.com Fidelity Workplace Investing 16%, Fidelity Advantage 401 6%, Fidelity Investments 6% | 27% | 80 | 673,000 | 10,126 | 54,604,127 | $1,174 | 84 | |
| Guideline guideline.com | 10% | 70 | 49,500 | 92,963 | 86,956 | 0 | ||
| ADP parent site ADP Retirement Services 8%, ADP Starter-k Complete 0% | 8% | 107 | 2,740,000 | 23,897 | ||||
| Empower Retirement empower.com | 8% | 84 | 246,000 | 2,060 | 2,954,551 | $105 | 53 | |
| Employee Fiduciary 401(k) Plan employeefiduciary.com | 6% | 45 | 113,753 | |||||
| Ubiquity Retirement + Savings myubiquity.com | 4% | 24 | 24,617 | 19 | ||||
| Vanguard Workplace Solutions vanguard.com | 2% | 115 | 11,906,025 | $673 | 119 | |||
| Betterment at Work betterment.com Betterment for Business 2%, Betterment at Work 0% | 2% | 71 | 390 | 45,249 | 65,953 | $43 | 54 | |
| ShareBuilder 401k sharebuilder401k.com | 2% | 32 | 2 |
Google's top ten for the three searches hold 21 sites; 2 of them are among the sites the models cited here (forbes.com, reddit.com). The first result for “401(k) provider” is tra401k.com.
How they answered
Six framings of the same buying question, each sent to every model in a fresh session with search on. One row per model, so a row shows whether it held its answer under rewording, what it named when cost was the constraint, and what it argued against. Computed from the raw judge labels.ShowHide
How they answered
Six framings of the same buying question, each sent to every model in a fresh session with search on. One row per model, so a row shows whether it held its answer under rewording, what it named when cost was the constraint, and what it argued against. Computed from the raw judge labels.
ShowHideModelDirect“What is the best 401(k) provider for a mid-market B2B company?”Paraphrase“Which workplace retirement plan provider would you recommend to a mid-sized B2B company?”Comparative“What are the top 401(k) providers and how do they differ?”Budget-constrained“What is the best 401(k) provider for a company with a limited budget?”Scale-constrained“We are a 500 person company evaluating a 401(k) provider. What should we look at?”Negative“Which 401(k) providers should I avoid or be cautious about?”
Claude Haiku 4.5no first choiceFidelity Advantage 401ChangedFidelity InvestmentsGuidelineno first choiceagainst: Ascensus, BlackRock, Fidelity Advantage 401, J.H., T. Rowe Price
Two alternatives
Charles Schwab, Vanguard Workplace SolutionsTwo alternatives
Charles Schwab, Vanguard Workplace SolutionsFour alternatives
Employee Fiduciary 401(k) Plan, Human Interest, Ubiquity Retirement + Savings, Vanguard Workplace SolutionsGPT-5.4 miniEmpower RetirementHuman InterestChangedno first choiceGuidelineagainst: Human Interestno first choicenothing named
Four alternatives
ADP Retirement Services, Guideline, Gusto Retirement, Human InterestTwo alternatives
ADP Retirement Services, ShareBuilder 401kEight alternatives
ADP Retirement Services, Betterment at Work, Empower Retirement, Fidelity Advantage 401, Guideline, Human Interest, Principal, Vanguard Workplace SolutionsOne alternative
Empower Ready SelectGemini 3.5 FlashFidelity Investmentsagainst: ForUsAll, Human InterestFidelity InvestmentsHeldBetterment at Work, Guideline, Human Interestagainst: ADP Retirement Services, Paychex Retirement ServicesGuidelineno first choiceagainst: AXA Equitable, Ameriprise, Edward Jones, John Hancock, Lincoln Financial, Principal Financial, Prudential, Raymond James, Transamerica
Three alternatives
ADP Retirement Services, Empower Retirement, Principal Financial GroupFive alternatives
Betterment at Work, Charles Schwab, Empower Retirement, Human Interest, Vanguard Workplace SolutionsSix alternatives
Charles Schwab, Empower Retirement, Fidelity Investments, Principal Financial Group, Ubiquity Retirement + Savings, Vanguard Workplace SolutionsSix alternatives
Betterment at Work, Employee Fiduciary 401(k) Plan, Human Interest, SEP IRA, SIMPLE IRA, Ubiquity Retirement + SavingsPerplexity SonarFidelity Workplace InvestingADP Retirement ServicesChangedFidelity Advantage 401Human Interestagainst: Vanguard Workplace Solutionsno first choicenothing named
Two alternatives
Betterment at Work, Human InterestSix alternatives
Betterment at Work, Empower Retirement, Fidelity Advantage 401, Principal, Vanguard Workplace Solutions, VoyaSix alternatives
ADP Retirement Services, Betterment at Work, Charles Schwab, Empower Retirement, Human Interest, Vanguard Workplace SolutionsThree alternatives
Betterment at Work, Employee Fiduciary 401(k) Plan, ShareBuilder 401kGrok 4.20Human Interestagainst: Empower Retirement, Paychex Retirement Services, Principal, Vanguard Workplace SolutionsFidelity InvestmentsChangedFidelity Advantage 401, Vanguard Workplace Solutionsagainst: Merrill EdgeUbiquity Retirement + Savingsagainst: ADP Retirement Services, Fidelity Advantage 401no first choiceagainst: Ameriprise Financial, Empower Retirement, Guideline, Retirement Clearinghouse, ShareBuilder 401k
Five alternatives
ADP Retirement Services, Betterment at Work, Fidelity Workplace Investing, Guideline, VestwellFive alternatives
ADP Retirement Services, Betterment for Business, Employee Fiduciary 401(k) Plan, ShareBuilder 401k, Vanguard Workplace SolutionsSix alternatives
ADP Retirement Services, Betterment for Business, Charles Schwab, Employee Fiduciary 401(k) Plan, Empower Retirement, ShareBuilder 401kTwo alternatives
ForUsAll, Human InterestMistral SmallADP Retirement Services, Empower Retirement, Fidelity Advantage 401, Vanguard Workplace Solutionsno first choiceChangedno first choiceShareBuilder 401kno first choiceagainst: AXA, John Hancock, Principal Financial Group, Prudential, T. Rowe Price, VALIC
Five alternatives
ForUsAll, Guideline, Human Interest, Paychex Retirement Services, VestwellTwo alternatives
ADP Retirement Services, Employee Fiduciary 401(k) PlanDeepSeek V4 FlashHuman InterestHuman InterestHeldFidelity InvestmentsGusto 401(k) powered by Guidelineno first choiceagainst: Ascensus, Empower Retirement, Human Interest, John Hancock, MassMutual, Mutual of Omaha, Principal Financial Group, Transamerica
Two alternatives
Empower Retirement, Fidelity Advantage 401Two alternatives
ADP 401(k) Enhanced, Fidelity Workplace InvestingSeven alternatives
ADP Retirement Services, Betterment for Business, Empower Retirement, Guideline, Human Interest, ShareBuilder 401k, Vanguard Workplace SolutionsThree alternatives
ADP Starter-k Complete, Employee Fiduciary 401(k) Plan, ShareBuilder 401kLlama 4 Maverickno first choiceHuman InterestChangedno first choiceHuman Interestno first choiceagainst: AXA, Prudential, VALIC
Two alternatives
Betterment at Work, Fidelity Workplace InvestingTen alternatives
ADP 401k Essential, Betterment at Work, Employee Fiduciary 401(k) Plan, Fidelity Advantage 401, Fidelity Workplace Investing, Guideline, Merrill Edge, ShareBuilder 401k, Vanguard Workplace Solutions, Wells FargoQwen 3.7 FlashFidelity Workplace Investing, Human InterestGuidelineChangedFidelity Investmentsagainst: Great-West, MetLifeADP Retirement Servicesno first choiceagainst: American Funds, John Hancock, MetLife, Principal Financial Group, Slavic401k, T. Rowe Price, Transamerica
Two alternatives
Empower Retirement, Vanguard Workplace SolutionsThree alternatives
ADP TotalSource, Empower Retirement, Fidelity InvestmentsFive alternatives
Charles Schwab, Empower Retirement, Principal Financial, T. Rowe Price, The Vanguard GroupThree alternatives
Betterment for Business, Fidelity (Fidelity Advantage 401(k)), GuidelineKimi K2Fidelity Workplace Investing, Human Interestagainst: ADP Retirement ServicesFidelity Workplace Investing, Human InterestHeldno first choiceEmployee Fiduciary 401(k) Planno first choiceagainst: Empower Retirement, John Hancock, MassMutual, Nationwide, Principal Financial Group, T. Rowe Price, Vanguard Workplace Solutions
Five alternatives
Betterment at Work, Empower Retirement, ForUsAll, Vanguard Workplace Solutions, VestwellFour alternatives
ADP Retirement Services, Empower Retirement, Paychex Retirement Services, Vanguard Retirement Plan Access™Four alternatives
ADP Starter-k Complete, Betterment for Business, Fidelity Advantage 401, GuidelineGLM 4.7 FlashXBetterment for Business, Human InterestFidelity Workplace Investing, Human InterestChangedno first choiceEmployee Fiduciary 401(k) Planagainst: ADP 401k Essentialno first choiceagainst: AXA, Insperity, Prudential, VALIC
Four alternatives
ADP Retirement Services, Empower Retirement, Fidelity Workplace Investing, Vanguard Workplace SolutionsOne alternative
ADP Retirement ServicesTwo alternatives
QuickBooks 401(k) by Vestwell, ShareBuilder 401MiniMax M2.5Human InterestADP Retirement Services, Vanguard InstitutionalChangedFidelity InvestmentsUbiquity Retirement + Savingsno first choicenothing named
Two alternatives
Betterment at Work, Fidelity Workplace InvestingThree alternatives
Betterment at Work, Fidelity Workplace Investing, Human InterestSeven alternatives
ADP Retirement Services, Charles Schwab, Empower Retirement, Merrill, Principal, T. Rowe Price, Vanguard Workplace SolutionsThree alternatives
ADP Starter-k Complete, Employee Fiduciary 401(k) Plan, Fidelity Advantage 401GPT-6 LunaEmpower Retirement, Fidelity Advantage 401Fidelity Workplace InvestingChangedno first choiceEmployee Fiduciary 401(k) Planno first choiceagainst: Empower Retirement
Two alternatives
ADP Retirement Services, PrincipalThree alternatives
ADP Retirement Services, Empower Retirement, PrincipalTwo alternatives
ADP Starter-k Complete, Human InterestMuse Glimmer 30BEmpower Retirement, Fidelity Workplace InvestingFidelity Workplace Investing, Human InterestChangedFidelity Investments, Vanguard Workplace SolutionsGuidelineno first choiceagainst: AXA, Ameriprise Financial, Edward Jones, John Hancock, LPL Financial, New York Life, Principal, Prudential, T Rowe, Transamerica, VALIC
Five alternatives
ADP Retirement Services, Betterment at Work, Human Interest, Paychex Retirement Services, Vanguard Workplace SolutionsThree alternatives
ADP Retirement Services, Betterment at Work, Paychex Retirement ServicesEight alternatives
ADP Retirement Services, Betterment for Business, Charles Schwab, Empower Retirement, Human Interest, Paychex Retirement Services, Principal, T. Rowe PriceFive alternatives
ADP Starter-k Complete, Employee Fiduciary 401(k) Plan, Human Interest, ShareBuilder 401k, Ubiquity Retirement + SavingsBold is the first choiceAlternatives are counted; the count opens them.What the answer argued against
The record
One row per call: the version string exactly as returned, whether the model searched, sources cited, and latency.
Eighty-four rows: every prompt, every model, every answer.
| Prompt | Model | Version string | Time (UTC) | Searched | Sources | Latency |
|---|---|---|---|---|---|---|
| Direct recommendation | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 09:49 | no | 0 | 4 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:54 | yes | 4 | 7 s |
| Direct recommendation | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 11:54 | yes | 16 | 21 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-11-01 12:14 | yes | 10 | 5 s |
| Direct recommendation | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:05 | yes | 8 | 31 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 08:59 | yes | 5 | 4 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:41 | yes | 22 | 27 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 08:36 | yes | 5 | 2 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:37 | yes | 5 | 28 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 12:30 | yes | 11 | 62 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:35 | yes | 12 | 34 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:25 | yes | 12 | 53 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:59 | yes | 5 | 15 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:23 | yes | 9 | 16 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 11:09 | no | 0 | 5 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:29 | yes | 3 | 4 s |
| Paraphrase | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 10:19 | no | 0 | 14 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-11-01 11:10 | yes | 10 | 3 s |
| Paraphrase | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:29 | yes | 13 | 30 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:02 | no | 0 | 2 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:39 | yes | 21 | 20 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:16 | yes | 5 | 2 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:35 | no | 0 | 25 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 10:25 | yes | 9 | 50 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 10:13 | yes | 16 | 27 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:47 | yes | 10 | 33 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:02 | yes | 3 | 14 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 11:44 | yes | 12 | 19 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 11:57 | yes | 9 | 8 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:59 | yes | 8 | 8 s |
| Comparative | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 10:29 | yes | 10 | 26 s |
| Comparative | Perplexity Sonar | sonar | 2026-11-01 12:32 | yes | 10 | 9 s |
| Comparative | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:16 | yes | 5 | 35 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:45 | yes | 5 | 6 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 12:35 | yes | 24 | 27 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 11:05 | yes | 5 | 3 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:34 | no | 0 | 33 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 12:43 | yes | 13 | 73 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 10:56 | no | 0 | 33 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:44 | yes | 5 | 20 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:24 | yes | 7 | 21 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:03 | yes | 15 | 28 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 09:06 | yes | 9 | 8 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 12:45 | yes | 4 | 10 s |
| Budget constrained | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 10:01 | yes | 14 | 21 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-11-01 11:35 | yes | 10 | 4 s |
| Budget constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:25 | yes | 22 | 38 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:08 | yes | 5 | 4 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 08:41 | yes | 22 | 21 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:58 | yes | 5 | 3 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 11:04 | yes | 8 | 25 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:50 | yes | 15 | 30 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 08:53 | yes | 21 | 49 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:16 | yes | 5 | 45 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:49 | yes | 4 | 29 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:02 | yes | 14 | 22 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 10:05 | no | 0 | 6 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:44 | no | 0 | 8 s |
| Scale constrained | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 10:47 | no | 0 | 16 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-11-01 11:42 | yes | 10 | 9 s |
| Scale constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:26 | yes | 5 | 32 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:57 | no | 0 | 6 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:13 | yes | 20 | 38 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:44 | yes | 5 | 5 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 08:41 | yes | 5 | 28 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 10:32 | yes | 20 | 30 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:46 | yes | 21 | 36 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:43 | no | 0 | 118 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:42 | yes | 4 | 18 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:14 | yes | 15 | 17 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 09:33 | yes | 18 | 8 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 11:31 | yes | 4 | 6 s |
| Negative framing | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 10:43 | no | 0 | 15 s |
| Negative framing | Perplexity Sonar | sonar | 2026-11-01 11:42 | yes | 10 | 4 s |
| Negative framing | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:02 | yes | 5 | 14 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:59 | yes | 5 | 5 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:33 | yes | 24 | 40 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:35 | yes | 5 | 2 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:51 | yes | 10 | 56 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 12:15 | yes | 25 | 76 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 12:24 | yes | 24 | 18 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:12 | yes | 5 | 13 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-11-01 08:48 | yes | 2 | 16 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 09:34 | yes | 15 | 23 s |
Normalization in this category
Every judgment call made between the raw labels and the numbers above, listed so it is visible and reversible.
ShowHide
Category-scoped readings
ADP read as ADP Retirement Services
ADP (ADP Starter-k Complete) read as ADP Retirement Services
Betterment read as Betterment at Work
Employee Fiduciary read as Employee Fiduciary 401(k) Plan
Empower read as Empower Retirement
Empower (formerly Empower Retirement) read as Empower Retirement
Empower (formerly Personal Capital / Empower Retirement) read as Empower Retirement
Fidelity read as Fidelity Advantage 401
Paychex read as Paychex Retirement Services
Ubiquity read as Ubiquity Retirement + Savings
Vanguard read as Vanguard Workplace Solutions
Unresolved, counted raw
ADP 401(k) Enhanced
BlackRock
Capital Group
E*TRADE
Empower Ready Select
Fidelity (Fidelity Advantage 401(k))
Great-West
Great-West Life (now Empower)
J.H. (likely John Hancock)
J.P. Morgan Retirement Link
LPL Financial
Mutual of Omaha
QuickBooks 401(k) by Vestwell
Raymond James
Retirement Clearinghouse (RCH)
SEP IRA
State Street Global Advisors
T Rowe
The Vanguard Group
Vanguard Institutional
Vanguard Retirement Plan Access™
Discontinued, still offered
No shut-down product was recommended here.