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401(k) providers · November 2026 Edition
Empower Retirement vs Fidelity Advantage 401
Four of fourteen models named Empower Retirement first on the direct prompt; two named Fidelity Advantage 401. Empower Retirement was named by thirteen of the fourteen models and Fidelity Advantage 401 by thirteen and Empower Retirement carries 37 labels and Fidelity Advantage 401 29, so the shares are not directly comparable.
Named 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 rate14%7%Negative labels as a share of the product's labels, 0 to 100.
Rank in category#5#6A position in a field of 18; printed, not drawn.
Labels3729A count; the two differ.
The two percentage rows are drawn on one 0 to 100 track, Empower Retirement 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 Empower Retirement · Human Interest vs Fidelity Advantage 401 · Fidelity Workplace Investing vs Empower Retirement
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.
Empower RetirementFirst choices, of fourteen modelsFidelity Advantage 401
Direct421 against Empower Retirement
Paraphrase01
Comparative02
Budget-constrained001 against Fidelity Advantage 401
Scale-constrained00
Negative034 against Empower Retirement · 1 against Fidelity Advantage 401
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, Empower Retirement and Fidelity Advantage 401 were named in the same answer thirty-six times, of the 100 answers naming Empower Retirement and the 91 naming Fidelity Advantage 401. In those answers Fidelity Advantage 401 took the first choice eight times and Empower Retirement zero.
Every model, every framing
The eighty-four answers behind the chart above, one cell each: where Empower Retirement and Fidelity Advantage 401 stood in it.
| Model | Direct | Paraphrase | Comparative | Budget-constrained | Scale-constrained | Negative |
|---|---|---|---|---|---|---|
| Claude Haiku 4.5 | | | ||||
| GPT-5.4 mini | | | ||||
| Gemini 3.5 Flash | | | | | ||
| Perplexity Sonar | | | ||||
| Grok 4.20 | | | | | ||
| Mistral Small | | | ||||
| DeepSeek V4 Flash | | | | |||
| Llama 4 Maverick | | |||||
| Qwen 3.7 Flash | | | | | ||
| Kimi K2 | | | | | ||
| GLM 4.7 FlashX | | |||||
| MiniMax M2.5 | | | | |||
| GPT-6 Luna | | | | |||
| Muse Glimmer 30B | | |
Empower Retirement Fidelity Advantage 401 first choice named as an alternative argued againstblank: not namedEach cell is one answer, Empower Retirement on the left and Fidelity Advantage 401 on the right.The direct prompt
The plain question, one answer per model, grouped by where Empower Retirement and Fidelity Advantage 401 stood in it.
Both were the first choice
2 of 14 modelsThe answer named them together, and the judge labeled each a first choice.Mistral SmallADP Retirement Services, Empower Retirement, Fidelity Advantage 401, Vanguard Workplace Solutions alternatives: ForUsAll, Guideline, Human Interest, Paychex Retirement Services, Vestwell
GPT-6 LunaEmpower Retirement, Fidelity Advantage 401 alternatives: ADP Retirement Services, Principal
Empower Retirement first, Fidelity Advantage 401 not the choice
2 of 14 modelsFidelity Advantage 401 was named in the answer but not as the choice, or not at all.GPT-5.4 miniEmpower Retirement alternatives: ADP Retirement Services, Guideline, Gusto Retirement, Human Interest
Muse Glimmer 30BEmpower Retirement, Fidelity Workplace Investing alternatives: ADP Retirement Services, Betterment at Work, Human Interest, Paychex Retirement Services, Vanguard Workplace Solutions
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.Gemini 3.5 FlashFidelity Investments alternatives: ADP Retirement Services, Empower Retirement, Principal Financial Group
DeepSeek V4 FlashHuman Interest alternatives: Empower Retirement, Fidelity Advantage 401
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
GLM 4.7 FlashXBetterment for Business, Human Interest alternatives: ADP Retirement Services, Empower Retirement, Fidelity Workplace Investing, Vanguard Workplace Solutions
Neither was named
5 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
Grok 4.20Human Interest alternatives: ADP Retirement Services, Betterment at Work, Fidelity Workplace Investing, Guideline, Vestwell
Llama 4 Maverickno first choice
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
Fidelity Advantage 401 leads by nine points.
Fidelity Advantage 4019%#5 of 11Empower Retirement0%#– of 11Mid-marketThe figures above
The order flips: Empower Retirement leads at mid-market.
Empower Retirement8%#5 of 18Fidelity Advantage 4016%#6 of 18Enterprise
The order flips: Fidelity Advantage 401 leads at enterprise.
Fidelity Advantage 4019%#3 of 11Empower Retirement7%#4 of 11What the models said about Empower Retirement
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Six of eight in this category shown.
“Be most cautious with: Empower (service meltdowns)” Kimi K2 · negative prompt · hard negative
“the SEC found that Empower entities inadequately disclosed conflicts and financial incentives tied to recommendations to enroll participants in that service” GPT-6 Luna · negative prompt · soft negative
“remains a mid-tier provider where plan design (chosen by your employer) determines whether you get good or bad options” DeepSeek V4 Flash · negative prompt · soft negative
“Scale / investment choice + fiduciary support: Fidelity Workplace Investing, Empower Retirement” Muse Glimmer 30B · direct prompt · first choice
“Empower, Vanguard, Fidelity, and ADP are frequently cited as top choices” Mistral Small · direct prompt · first choice
“Why I'd lean Empower for a true mid-market B2B company” GPT-5.4 mini · direct prompt · first choice
What the models said about Fidelity Advantage 401
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Five of six in this category shown.
“Recent class action lawsuits have been brought against Fidelity, BlackRock and T. Rowe Price.” Claude Haiku 4.5 · negative prompt · soft negative
“may involve more asset-based elements and isn't always the cheapest for very tight budgets” Grok 4.20 · budget prompt · soft negative
“Fidelity - Excellent for mid-market companies with comprehensive plan options (401(k), SIMPLE IRA, SEP IRA), strong investment choices, and robust employer tools.” Claude Haiku 4.5 · paraphrase prompt · first choice
“Consistently praised for low-cost index funds, excellent customer service, and robust online tools (top recommendation from HR professionals)” DeepSeek V4 Flash · negative prompt · first choice
“Overall Top for Most Businesses: Fidelity, Vanguard, Charles Schwab (low-cost leaders with strong tools).” Grok 4.20 · comparative prompt · first choice
Also compared
Human Interest vs Empower RetirementHuman Interest vs Fidelity Advantage 401Fidelity Workplace Investing vs Empower RetirementFidelity Workplace Investing vs Fidelity Advantage 401Guideline vs Empower RetirementGuideline vs Fidelity Advantage 401ADP Retirement Services vs Empower RetirementADP Retirement Services 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 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.