401(k) providers for enterprise buyers
Asked as “401(k) provider”, and as “workplace retirement plan provider”, on behalf of an enterprise B2B company. 46 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each. Added to the October 2026 Edition on October 4, 2026.
Standing · first-choice share
37%
Contested · Fidelity Advantage 401 13%
37Fidelity Investments13Fidelity Advantage 40109ADP Retirement Services41others
37% of first choices, contested.
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.
The standing
Share is the count of first choices across the direct, paraphrase, budget and scale prompts, over all fourteen models, for an enterprise B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrant
Show the three products at 0%, ordered by negative rate
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.
Head to head
Human Interest vs GuidelineHuman Interest vs ADP Retirement ServicesHuman Interest vs Fidelity Investments
Head-to-head pages are published for mid-market buyers, so these open on mid-market figures, not enterprise.All twenty-eight head-to-head pages: the top eight products, each against each
Human Interest vs Fidelity Advantage 401Human Interest vs Empower RetirementHuman Interest vs Vanguard Workplace SolutionsHuman Interest vs PrincipalGuideline vs ADP Retirement ServicesGuideline vs Fidelity InvestmentsGuideline vs Fidelity Advantage 401Guideline vs Empower RetirementGuideline vs Vanguard Workplace SolutionsGuideline vs PrincipalADP Retirement Services vs Fidelity InvestmentsADP Retirement Services vs Fidelity Advantage 401ADP Retirement Services vs Empower RetirementADP Retirement Services vs Vanguard Workplace SolutionsADP Retirement Services vs PrincipalFidelity Investments vs Fidelity Advantage 401Fidelity Investments vs Empower RetirementFidelity Investments vs Vanguard Workplace SolutionsFidelity Investments vs PrincipalFidelity Advantage 401 vs Empower RetirementFidelity Advantage 401 vs Vanguard Workplace SolutionsFidelity Advantage 401 vs PrincipalEmpower Retirement vs Vanguard Workplace SolutionsEmpower Retirement vs PrincipalVanguard Workplace Solutions vs Principal
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 →
01
02A03
04
05V06
07
08T09
C10
11Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative50%
Key
01Fidelity Investments37%
Fidelity Investments37%02Fidelity Advantage 40113%
Fidelity Advantage 40113%03ADP Retirement Services9%
04Empower Retirement7%
Empower Retirement7%05Human Interest7%
Human Interest7%06Vanguard Workplace Solutions4%
07Guideline4%
Guideline4%08Principal2%
Principal2%09T. Rowe Price0%
10Charles Schwab0%
11Principal Financial Group0%
Principal Financial Group0%What they warned about
Six 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, Qwen 3.7 Flash, Kimi K2 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.
Vanguard Workplace Solutions
28%
13 of 46 labels negative · 9 of 14 models · 4 hard negative
“Frequently criticized for weak 401(k) administration despite low-cost funds... Better for funds via a third-party administrator (TPA) than full service for large plans.” Grok 4.20, negative prompt
Empower Retirement11%
5 of 45 labels negative · 5 of 14 models
“If you stick with an underperforming proprietary fund (for instance, a Fidelity active fund or an Empower-owned TDF) simply because it keeps your recordkeeping costs low, your company is exposing itself to massive litigation risks.” Gemini 3.5 Flash, negative prompt
Guideline36%
4 of 11 labels negative · 4 of 14 models · 1 hard negative
“SMB-Focused Fintechs & Modern Startups (Avoid for Enterprise)” Gemini 3.5 Flash, negative prompt
ForUsAll100%
3 of 3 labels negative · 3 of 14 models · 2 hard negative
“consistently receive employer complaints for slow data updates, automated rollouts/distributions upon employment changes, high administrative fees” Qwen 3.7 Flash, 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
79 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. 1183 links across 244 sites, every framing counted. Ranked by the number of answers carrying the site or page. None of the 252 answers across every segment cited this index's own page for the category.
44 answers · 79 citations · 11 models
vendor site · ADP44 answers · 53 citations · 14 models
33 answers · 35 citations · 11 models
29 answers · 41 citations · 10 models
25 answers · 46 citations · 10 models
25 answers · 28 citations · 10 models
24 answers · 36 citations · 10 models
22 answers · 35 citations · 11 models
20 answers · 34 citations · 10 models
18 answers · 21 citations · 8 models
17 answers · 19 citations · 8 models
17 answers · 17 citations · 7 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.
40 answers · 13 models
38 answers · 10 models
31 answers · 11 models
30 answers · 10 models
26 answers · 9 models
23 answers · 10 models
17 answers · 7 models
15 answers · 9 models
13 answers · 8 models
12 answers · 5 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 |
|---|---|---|---|---|---|---|---|---|
| Fidelity Investments fidelity.com Fidelity Investments 37%, Fidelity Advantage 401 13% | 50% | 80 | 673,000 | 10,126 | 54,604,127 | $1,174 | 84 | |
| ADP parent site ADP Retirement Services 9%, ADP 401(k) Premier 2% | 11% | 107 | 2,740,000 | 23,897 | ||||
| Empower Retirement empower.com | 7% | 84 | 246,000 | 2,060 | 2,954,551 | $105 | 53 | |
| Human Interest humaninterest.com | 7% | 85 | 49,500 | 1,879 | 95,886 | $102 | 55 | |
| Vanguard Workplace Solutions vanguard.com | 4% | 115 | 11,906,025 | $673 | 119 | |||
| Guideline guideline.com | 4% | 70 | 49,500 | 92,963 | 86,956 | 0 | ||
| Alight alight.com Alight 2%, Alight Solutions 0% | 2% | 69 | 9,900 | 236 | 530,477 | $1,663 | 20 | 5 |
| Principal principal.com Principal 2%, Principal Financial Group 0% | 2% | 39 | 673,000 | 87,083 | 982,836 | 64 | ||
| Mercer mercer.com | 2% | 9 | 49,500 | 23,681 | 98,058 | 18 | ||
| Fidelity Institutional | 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, spotsaas.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 an enterprise B2B company?”Paraphrase“Which workplace retirement plan provider would you recommend to a large B2B company with thousands of employees?”Comparative“What are the top enterprise-grade 401(k) providers and how do they differ?”Budget-constrained“What is the best 401(k) provider for a large company that needs predictable total cost across thousands of users?”Scale-constrained“We are a 5,000 person company with SSO, SOC 2 and procurement review requirements evaluating a 401(k) provider. What should we look at?”Negative“Which 401(k) providers should a large enterprise avoid or be cautious about?”
Claude Haiku 4.5Fidelity Investmentsno first choiceChangedVanguard Workplace SolutionsADP 401(k) Premierno first choiceagainst: Empower Retirement, Fidelity Advantage 401
Three alternatives
ADP Retirement Services, Human Interest, Vanguard Workplace SolutionsFive alternatives
ADP Retirement Services, Alight Solutions, Aon, Mercer, T. Rowe Price Retirement Plan ServicesTwo alternatives
Empower Retirement, Fidelity Advantage 401GPT-5.4 miniADP Retirement Servicesagainst: Guideline, Human InterestPrincipalChangedFidelity Workplace InvestingGusto 401(k) powered by Guidelineno first choicenothing named
Three alternatives
Fidelity Advantage 401, Paychex Retirement Services, Vanguard Workplace SolutionsThree alternatives
ADP Retirement Services, J.P. Morgan Retirement Link, T. Rowe Price Enterprise ChoiceThree alternatives
ADP Retirement Services, Vanguard Workplace Solutions, VoyaOne alternative
Human InterestGemini 3.5 FlashFidelity InvestmentsFidelity InvestmentsHeldagainst: Human Interest, VestwellFidelity InvestmentsFidelity Investmentsno first choiceagainst: ADP Retirement Services, Betterment at Work, Empower Retirement, Equitable, Fidelity Advantage 401, Guideline, Human Interest, John Hancock, Nationwide, Paychex Retirement Services, Principal Financial, TIAA, Ubiquity Retirement + Savings, Vanguard Workplace Solutions, Voya
Three alternatives
Charles Schwab, Human Interest, Principal Financial GroupThree alternatives
Empower Retirement, Principal Financial Group, Vanguard Workplace SolutionsSix alternatives
Alight Solutions, Charles Schwab, Empower Retirement, Principal Financial Group, TIAA, Vanguard GroupTwo alternatives
Human Interest, Vanguard Workplace SolutionsPerplexity SonarADP 401(k) EnhancedFidelity InvestmentsChangedADP Retirement Services401GOno first choiceagainst: Vanguard Workplace Solutions
One alternative
Fidelity Advantage 401Two alternatives
ADP Retirement Services, Principal FinancialFive alternatives
Charles Schwab, Empower Retirement, Fidelity Advantage 401, Human Interest, Vanguard Workplace SolutionsThree alternatives
Empower Retirement, Fidelity Advantage 401, T. Rowe PriceGrok 4.20Fidelity Advantage 401Fidelity InvestmentsChangedFidelity Investments Institutional, The Vanguard GroupFidelity Investmentsagainst: ADP Starter-k, Guideline, Human Interest, Principal, VoyaEmpower Retirement, Fidelity Advantage 401against: Aon, ForUsAll, KPMG, MassMutual, Prudential, Stifel, Vanguard Workplace Solutions
Four alternatives
ADP Retirement Services, Alight Solutions, Empower Retirement, Vanguard Workplace SolutionsFour alternatives
ADP Retirement Services, Empower Retirement, Principal, Vanguard Workplace SolutionsFive alternatives
ADP Retirement Services, Charles Schwab Retirement Plan Services, Empower Retirement, Principal Financial, Voya FinancialTwo alternatives
Empower Retirement, Vanguard Workplace SolutionsThree alternatives
Betterment at Work, Guideline, Vanguard Workplace SolutionsMistral SmallADP Retirement Services, MercerADP Retirement ServicesChangedEmpower Retirement, Fidelity Investments, Principal Financial Groupagainst: Vanguard Workplace SolutionsGuidelineno first choiceagainst: Principal, Vanguard Workplace Solutions
One alternative
Fidelity InvestmentsThree alternatives
Fidelity Advantage 401, Principal, Vanguard Workplace SolutionsThree alternatives
ADP Retirement Services, John Hancock, Paychex Retirement ServicesTwo alternatives
ADP Retirement Services, Paychex Retirement ServicesDeepSeek V4 FlashFidelity InvestmentsFidelity InvestmentsHeldagainst: Vanguard Workplace SolutionsFidelity InvestmentsVanguard Workplace Solutionsagainst: T. Rowe Priceno first choiceagainst: Empower Retirement, John Hancock, MassMutual, Principal Financial Group, Transamerica, Vanguard Workplace Solutions
Three alternatives
ADP Retirement Services, Empower Retirement, Vanguard Workplace SolutionsOne alternative
Empower RetirementSix alternatives
Alight, Empower Retirement, Principal Financial Group, T. Rowe Price, TIAA, Vanguard Workplace SolutionsTwo alternatives
Fidelity Advantage 401, GuidelineLlama 4 Maverickno first choiceno first choiceHeldno first choiceno first choiceno first choiceagainst: Vanguard Workplace Solutions
Qwen 3.7 FlashADP Retirement Services, Alight, Fidelity InstitutionalFidelity InvestmentsChangedFidelity InvestmentsFidelity Advantage 401no first choiceagainst: ADP Retirement Services, ForUsAll, Morgan Stanley, Paychex Retirement Services, Slavic401k, Ubiquity Retirement + Savings
Three alternatives
Empower Retirement, MassMutual, Vanguard Retirement Plan ServicesTwo alternatives
Charles Schwab, Vanguard Workplace SolutionsFour alternatives
ADP Retirement Services, Charles Schwab, Empower Retirement, Vanguard Workplace SolutionsTwo alternatives
Guideline, Vanguard Workplace SolutionsKimi K2Empower Retirement, Fidelity InvestmentsFidelity InvestmentsChangedagainst: Vanguard Workplace SolutionsFidelity InvestmentsHuman Interestagainst: Vanguard Workplace Solutionsno first choicenothing named
Three alternatives
ADP Retirement Services, T. Rowe Price, Vanguard Workplace SolutionsTwo alternatives
Empower Retirement, T. Rowe PriceFive alternatives
ADP Retirement Services, Charles Schwab, Empower Retirement, Principal Financial, Vanguard Workplace SolutionsThree alternatives
ADP 401(k) Premier, Fidelity Workplace Services, GuidelineGLM 4.7 FlashXFidelity InvestmentsFidelity InvestmentsHeldagainst: Ascensus, Charles Schwab, Principal FinancialADP Retirement Services, Fidelity InvestmentsVanguard Workplace Solutionsagainst: Guidelineno first choiceagainst: Newport Group, Slavic401k, UBS, Ubiquity Savings
Three alternatives
ADP Retirement Services, Empower Retirement, Vanguard Workplace SolutionsOne alternative
ADP Retirement ServicesThree alternatives
Empower Retirement, Principal Financial Group, Vanguard Workplace SolutionsTwo alternatives
ADP Retirement Services, Fidelity Advantage 401MiniMax M2.5Fidelity InvestmentsFidelity InvestmentsHeldno first choiceHuman Interestagainst: Fidelity Advantage 401, Schwab, Vanguard Workplace Solutionsno first choiceagainst: ADP Retirement Services, ForUsAll, Slavic401k.com, Vanguard Workplace Solutions
Two alternatives
ADP Retirement Services, Vanguard Workplace SolutionsThree alternatives
ADP Retirement Services, Charles Schwab, Vanguard Workplace SolutionsTwo alternatives
ADP Retirement Services, GuidelineGPT-6 LunaFidelity Advantage 401Fidelity Advantage 401HeldAlight, Empower Retirement, Fidelity Advantage 401, Vanguard Workplace SolutionsEmpower Retirement, Fidelity Advantage 401no first choiceagainst: Empower Retirement, TIAA
Three alternatives
Alight, Empower Retirement, PrincipalTwo alternatives
Empower Retirement, PrincipalFour alternatives
ADP Retirement Services, Principal, TIAA, VoyaOne alternative
AlightMuse Glimmer 30BFidelity Investments Institutional ServicesFidelity InvestmentsChangedFidelity Workplace Services, Vanguard Retirement ServicesGuideline, Human Interestno first choiceagainst: Empower Retirement, Principal Financial Group, Prudential, Vanguard Workplace Solutions
Four alternatives
Charles Schwab Retirement Plan Services, Empower Retirement, Mercer, Vanguard Institutional 401kTwo alternatives
Empower Retirement, Vanguard Workplace SolutionsTwo alternatives
ADP Retirement Services, Empower RetirementFour alternatives
ADP Retirement Services, Fidelity Advantage 401, T. Rowe Price, Vanguard Workplace SolutionsBold 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 | 2026-10-04 22:32 | yes | 9 | 8 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 22:32 | yes | 2 | 6 s |
| Direct recommendation | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 22:17 | yes | 16 | 27 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-10-04 22:36 | yes | 19 | 3 s |
| Direct recommendation | Grok 4.20 | spacexai/grok-4.1-fast-non-reasoning via vertex (asked for grok-4.20-non-reasoning; the API answered as this version) | 2026-10-04 22:36 | yes | 16 | 9 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-10-04 22:16 | yes | 18 | 10 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-04 22:23 | yes | 22 | 31 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-04 22:20 | yes | 5 | 2 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-04 22:36 | yes | 10 | 28 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 22:26 | yes | 11 | 17 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 22:33 | yes | 21 | 34 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 22:17 | yes | 16 | 67 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-10-04 22:26 | yes | 4 | 16 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 22:23 | yes | 20 | 25 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-04 22:38 | no | 0 | 5 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 22:14 | yes | 5 | 6 s |
| Paraphrase | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 22:22 | yes | 7 | 24 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-10-04 22:31 | yes | 19 | 3 s |
| Paraphrase | Grok 4.20 | spacexai/grok-4.1-fast-non-reasoning via vertex (asked for grok-4.20-non-reasoning; the API answered as this version) | 2026-10-04 22:31 | yes | 18 | 10 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-10-04 22:39 | yes | 5 | 3 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-04 22:22 | yes | 23 | 37 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-04 22:17 | yes | 5 | 2 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-04 22:23 | yes | 14 | 42 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 22:39 | yes | 18 | 21 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 22:26 | yes | 14 | 14 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 22:27 | yes | 11 | 29 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-10-04 22:37 | yes | 3 | 21 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 22:21 | yes | 15 | 17 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-04 22:15 | yes | 10 | 8 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 22:29 | yes | 6 | 11 s |
| Comparative | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 22:37 | yes | 18 | 32 s |
| Comparative | Perplexity Sonar | sonar | 2026-10-04 22:24 | yes | 17 | 7 s |
| Comparative | Grok 4.20 | spacexai/grok-4.1-fast-non-reasoning via vertex (asked for grok-4.20-non-reasoning; the API answered as this version) | 2026-10-04 22:18 | yes | 22 | 11 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-10-04 22:25 | yes | 12 | 14 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-04 22:20 | yes | 22 | 43 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-04 22:23 | yes | 5 | 2 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-04 22:21 | yes | 15 | 51 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 22:32 | yes | 24 | 26 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 22:29 | yes | 21 | 117 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 22:34 | yes | 22 | 77 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-10-04 22:30 | yes | 8 | 32 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 22:17 | yes | 23 | 46 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-04 22:30 | yes | 19 | 9 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 22:25 | yes | 3 | 6 s |
| Budget constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 22:29 | yes | 21 | 37 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-10-04 22:40 | yes | 18 | 3 s |
| Budget constrained | Grok 4.20 | spacexai/grok-4.1-fast-non-reasoning via vertex (asked for grok-4.20-non-reasoning; the API answered as this version) | 2026-10-04 22:22 | yes | 23 | 11 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-10-04 22:28 | yes | 14 | 7 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-04 22:14 | yes | 21 | 26 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-04 22:29 | yes | 5 | 2 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-04 22:20 | no | 0 | 24 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 22:26 | yes | 16 | 38 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 22:34 | yes | 17 | 36 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 22:34 | yes | 16 | 57 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-10-04 22:25 | yes | 2 | 16 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 22:34 | yes | 17 | 30 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-04 22:25 | yes | 18 | 9 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 22:26 | yes | 3 | 9 s |
| Scale constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 22:17 | yes | 11 | 31 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-10-04 22:17 | yes | 20 | 4 s |
| Scale constrained | Grok 4.20 | spacexai/grok-4.1-fast-non-reasoning via vertex (asked for grok-4.20-non-reasoning; the API answered as this version) | 2026-10-04 22:39 | yes | 20 | 9 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-10-04 22:35 | no | 0 | 10 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-04 22:36 | yes | 24 | 55 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-04 22:13 | yes | 5 | 3 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-04 22:34 | no | 0 | 31 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 22:33 | yes | 24 | 33 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 22:25 | yes | 24 | 47 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 22:31 | no | 0 | 51 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-10-04 22:26 | yes | 4 | 31 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 22:39 | yes | 25 | 36 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-04 22:34 | yes | 27 | 15 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 22:25 | yes | 5 | 6 s |
| Negative framing | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 22:30 | yes | 20 | 33 s |
| Negative framing | Perplexity Sonar | sonar | 2026-10-04 22:36 | yes | 19 | 4 s |
| Negative framing | Grok 4.20 | spacexai/grok-4.1-fast-non-reasoning via vertex (asked for grok-4.20-non-reasoning; the API answered as this version) | 2026-10-04 22:28 | yes | 22 | 8 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-10-04 22:36 | yes | 15 | 9 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-04 22:32 | yes | 24 | 55 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-04 22:22 | yes | 5 | 2 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-04 22:31 | yes | 10 | 46 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 22:17 | yes | 23 | 49 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 22:26 | yes | 23 | 45 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 22:13 | yes | 22 | 40 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-10-04 22:37 | yes | 4 | 17 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 22:30 | yes | 23 | 28 s |
Normalization in this category
Every judgment call made between the raw labels and the numbers above, listed so it is visible and reversible.
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Category-scoped readings
ADP read as ADP Retirement Services
Betterment read as Betterment at Work
Empower read as Empower Retirement
Empower (formerly Great-West Life) read as Empower Retirement
Empower (formerly Great-West) read as Empower Retirement
Fidelity read as Fidelity Advantage 401
Fidelity Workplace read as Fidelity Workplace Investing
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
American Century
BMO Harris Retirement Services
Captrust
Charles Schwab Plan
Fidelity Investments Institutional
Fidelity Investments Institutional Services
J.P. Morgan Retirement Link
Nationwide Financial
Newport Group
October Three
Stifel
T. Rowe Price Enterprise Choice
T. Rowe Price Retirement Plan Services
The Vanguard Group
UBS
Ubiquity Savings
Vanguard Group (Institutional Investor Group)
Vanguard Institutional
Vanguard Institutional 401k
Vanguard Retirement Plan Services
Vanguard Retirement Services
Voya Investment Management
WEX Benefit Solutions
Discontinued, still offered
No shut-down product was recommended here.