Index › HR › Compensation and total rewards › 401(k) providers › ADP Retirement Services vs Fidelity Investments
401(k) providers · November 2026 Edition
ADP Retirement Services vs Fidelity Investments
One of fourteen models named ADP Retirement Services first on the direct prompt; one named Fidelity Investments. ADP Retirement Services was named by fourteen of the fourteen models and Fidelity Investments by nine and ADP Retirement Services carries 34 labels and Fidelity Investments 13, so the shares are not directly comparable.
ADP Retirement Services
accepted challengerNamed in one category this edition.
Named in one category this edition.
First-choice share8%6%Of first choices across the direct, paraphrase, budget and scale prompts, 0 to 100.
Negative rate9%0%Negative labels as a share of the product's labels, 0 to 100.
Rank in category#4#8A position in a field of 18; printed, not drawn.
Labels3413A count; the two differ.
The two percentage rows are drawn on one 0 to 100 track, ADP Retirement Services reading right to left. Rank and label count are printed, not drawn.Human Interest was named alongside these two in ten of the fourteen direct answers. Human Interest vs ADP Retirement Services · Human Interest vs Fidelity Investments · Fidelity Workplace Investing vs ADP Retirement Services
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; rank is within the category; every quote names the model and the prompt it came from. Both figures come from the 401(k) providers page.
By framing
How many of the fourteen models made each the first choice, per way of asking, and how many argued against it.
ADP Retirement ServicesFirst choices, of fourteen modelsFidelity Investments
Direct111 against ADP Retirement Services
Paraphrase22
Comparative051 against ADP Retirement Services
Budget-constrained101 against ADP Retirement Services
Scale-constrained00
Negative01
Bars are first choices, 0 to 14 each sideModels that argued againstA model can name both, so the two sides of a row do not sum to fourteen.
Across every category in the November 2026 Edition, ADP Retirement Services and Fidelity Investments were named in the same answer thirty-seven times, of the 112 answers naming ADP Retirement Services and the 62 naming Fidelity Investments. In those answers Fidelity Investments took the first choice twenty-six times and ADP Retirement Services two.
Every model, every framing
The eighty-four answers behind the chart above, one cell each: where ADP Retirement Services and Fidelity Investments stood in it.
| Model | DirectAR | ParaphraseAR | ComparativeAR | Budget-constrainedAR | Scale-constrainedAR | NegativeAR |
|---|---|---|---|---|---|---|
| Claude Haiku 4.5 | | |||||
| GPT-5.4 mini | AR | AR | AR | |||
| Gemini 3.5 Flash | AR | | AR | |||
| Perplexity Sonar | AR | AR | ||||
| Grok 4.20 | AR | AR | AR | AR | ||
| Mistral Small | AR | AR | ||||
| DeepSeek V4 Flash | AR | |||||
| Llama 4 Maverick | ||||||
| Qwen 3.7 Flash | | | AR | |||
| Kimi K2 | AR | AR | ||||
| GLM 4.7 FlashX | AR | AR | AR | |||
| MiniMax M2.5 | AR | AR | ||||
| GPT-6 Luna | AR | AR | ||||
| Muse Glimmer 30B | AR | AR | AR |
AR ADP Retirement Services Fidelity InvestmentsAR first choiceAR named as an alternativeAR argued againstblank: not namedEach cell is one answer, ADP Retirement Services on the left and Fidelity Investments on the right.
Fidelity InvestmentsAR first choiceAR named as an alternativeAR argued againstblank: not namedEach cell is one answer, ADP Retirement Services on the left and Fidelity Investments on the right.The direct prompt
The plain question, one answer per model, grouped by where ADP Retirement Services and Fidelity Investments stood in it.
ADP Retirement Services first, Fidelity Investments not the choice
1 of 14 modelsFidelity Investments was named in the answer but not as the choice, or not at all.Mistral SmallADP Retirement Services, Empower Retirement, Fidelity Advantage 401, Vanguard Workplace Solutions alternatives: ForUsAll, Guideline, Human Interest, Paychex Retirement Services, Vestwell
Fidelity Investments first, ADP Retirement Services an alternative
1 of 14 modelsADP Retirement Services was named in the answer but not as the choice, or not at all.Gemini 3.5 FlashFidelity Investments alternatives: ADP Retirement Services, Empower Retirement, Principal Financial Group
Neither was the first choice, one was named
5 of 14 modelsThe answer put something else first and named one of the two as an alternative.GPT-5.4 miniEmpower Retirement alternatives: ADP Retirement Services, Guideline, Gusto Retirement, Human Interest
Grok 4.20Human Interest alternatives: ADP Retirement Services, Betterment at Work, Fidelity Workplace Investing, Guideline, Vestwell
GLM 4.7 FlashXBetterment for Business, Human Interest alternatives: ADP Retirement Services, Empower Retirement, Fidelity Workplace Investing, Vanguard Workplace Solutions
GPT-6 LunaEmpower Retirement, Fidelity Advantage 401 alternatives: ADP Retirement Services, Principal
Muse Glimmer 30BEmpower Retirement, Fidelity Workplace Investing alternatives: ADP Retirement Services, Betterment at Work, Human Interest, Paychex Retirement Services, Vanguard Workplace Solutions
Neither was named
7 of 14 modelsThe answer made no first choice from these two in this category.Claude Haiku 4.5no first choice
Perplexity SonarFidelity Workplace Investing alternatives: Betterment at Work, Human Interest
DeepSeek V4 FlashHuman Interest alternatives: Empower Retirement, Fidelity Advantage 401
Llama 4 Maverickno first choice
Qwen 3.7 FlashFidelity Workplace Investing, Human Interest alternatives: Empower Retirement, Vanguard Workplace Solutions
Kimi K2Fidelity Workplace Investing, Human Interest alternatives: Betterment at Work, Empower Retirement, ForUsAll, Vanguard Workplace Solutions, Vestwell
MiniMax M2.5Human Interest alternatives: Betterment at Work, Fidelity Workplace Investing
Bold names in an answer are the products the judge labeled a first choice; a model naming several gives each of them that label. The full answer text for every row is in the record.
By buyer segment
The same question asked on behalf of a different buyer. Each standing is computed within its segment and they are never added together. The figures above are the mid-market standing, which is the one the category orders by.
Small business
ADP Retirement Services leads by fourteen points.
ADP Retirement Services14%#3 of 11
Fidelity Investments0%#– of 11Mid-marketThe figures above
ADP Retirement Services leads by two points.
ADP Retirement Services8%#4 of 18
Fidelity Investments6%#8 of 18Enterprise
The order flips: Fidelity Investments leads at enterprise.
Fidelity Investments48%#1 of 11ADP Retirement Services6%#5 of 11
The full enterprise standing →What the models said about ADP Retirement Services
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Six of seven in this category shown.
“Often charge higher administrative fees or embed proprietary, higher-cost fund options compared to standalone recordkeepers.” Gemini 3.5 Flash · comparative prompt · soft negative
“These are reliable but can edge higher in total cost compared to the specialists above for limited-budget scenarios.” Grok 4.20 · budget prompt · soft negative
“Convenient if you already use ADP, but bundled pricing often costs more than standalone providers” Kimi K2 · direct prompt · soft negative
“For absolute lowest cost & simplicity: Start with ADP Starter-k Complete ($100/month).” Qwen 3.7 Flash · budget prompt · first choice
“ADP Retirement Services would be the strongest default recommendation” Perplexity Sonar · paraphrase prompt · first choice
“Empower, Vanguard, Fidelity, and ADP are frequently cited as top choices” Mistral Small · direct prompt · first choice
What the models said about Fidelity Investments
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Three of four in this category shown.
“Fidelity consistently ranks #1 across independent comparison platforms due to its combination of technology, service, and breadth of offerings.” DeepSeek V4 Flash · comparative prompt · first choice
“Fidelity is the largest 401(k) provider in the U.S., managing plans for over 35,000 businesses” Claude Haiku 4.5 · comparative prompt · first choice
“Fidelity Investments (9.5/10) - Industry leader with extensive mutual fund options” MiniMax M2.5 · comparative prompt · first choice
Also compared
Human Interest vs ADP Retirement ServicesHuman Interest vs Fidelity InvestmentsFidelity Workplace Investing vs ADP Retirement ServicesFidelity Workplace Investing vs Fidelity InvestmentsGuideline vs ADP Retirement ServicesGuideline vs Fidelity InvestmentsADP Retirement Services vs Empower RetirementADP Retirement Services vs Fidelity Advantage 401ADP Retirement Services vs Employee Fiduciary 401(k) PlanEmpower Retirement vs Fidelity InvestmentsFidelity Advantage 401 vs Fidelity InvestmentsEmployee Fiduciary 401(k) Plan vs Fidelity InvestmentsAll twenty-eight head-to-head pages and the full 401(k) providers standing
Comparisons are drawn for the top eight products in each category, each against each. The output is the models' output; nothing here is a recommendation by the index.