401(k) providers for enterprise buyers
Asked as “401(k) provider”, and as “workplace retirement plan provider”, on behalf of an enterprise B2B company. 54 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each. Added to the November 2026 Edition.
Standing · first-choice share
48%
Clear leader
48Fidelity Investments13Vanguard Workplace Solutions09Fidelity Advantage 40130others
48% of first choices, clear leader.
Since October 2026▲+11Since October 2026: 37% → 48%, +11 points. Inside the 13-point floor: within noise.Fidelity Investments held the lead, +11 points on 37%, 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.Standing →Enterprise
Fidelity Investments48%Clear leader▲+11Since October 2026: 37% → 48%, +11 points. Inside the 13-point floor: within noise.This page
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.Standing →EnterpriseFidelity Investments48%Clear leader▲+11Since October 2026: 37% → 48%, +11 points. Inside the 13-point floor: within noise.This pageThe 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 rateLabelsQuadrantSince October 2026
01Fidelity Investments48%2%41endorsed leader▲+11Since October 2026: 37% → 48%, +11 points. Inside the 13-point floor: within noise.37% → 48%
Fidelity Investments48%2%41endorsed leader▲+11Since October 2026: 37% → 48%, +11 points. Inside the 13-point floor: within noise.37% → 48%02Vanguard Workplace Solutions13%4%54accepted challenger▲+9Since October 2026: 4% → 13%, +9 points. Inside the 13-point floor: within noise.4% → 13%
03
Fidelity Advantage 4019%4%23accepted challenger▼−4Since October 2026: 13% → 9%, −4 points. Inside the 13-point floor: within noise.13% → 9%
Fidelity Advantage 4019%4%23accepted challenger▼−4Since October 2026: 13% → 9%, −4 points. Inside the 13-point floor: within noise.13% → 9%04
Empower Retirement7%12%59accepted challenger=heldSince October 2026: 7% → 7%, ±0 points. Inside the 13-point floor: within noise.7% → 7%
Empower Retirement7%12%59accepted challenger=heldSince October 2026: 7% → 7%, ±0 points. Inside the 13-point floor: within noise.7% → 7%05ADP Retirement Services6%14%36accepted challenger▼−3Since October 2026: 9% → 6%, −3 points. Inside the 13-point floor: within noise.9% → 6%
06Human Interest6%27%11criticized challenger▼−1Since October 2026: 7% → 6%, −1 point. Inside the 13-point floor: within noise.7% → 6%
Human Interest6%27%11criticized challenger▼−1Since October 2026: 7% → 6%, −1 point. Inside the 13-point floor: within noise.7% → 6%07Charles Schwab2%0%21accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 13-point floor: within noise.0% → 2%
08T. Rowe Price2%6%18accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 13-point floor: within noise.0% → 2%
09
Principal2%14%14accepted challenger=heldSince October 2026: 2% → 2%, ±0 points. Inside the 13-point floor: within noise.2% → 2%
Principal2%14%14accepted challenger=heldSince October 2026: 2% → 2%, ±0 points. Inside the 13-point floor: within noise.2% → 2%Show the two products at 0%, ordered by negative rate
11Paychex Retirement Services0%20%15accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise.0% → 0%
10
Principal Financial Group0%14%29accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise.0% → 0%
Principal Financial Group0%14%29accepted 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
Human Interest vs Fidelity Workplace InvestingHuman Interest vs GuidelineHuman Interest vs ADP Retirement Services
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 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 →
01V02
0304A05
06C07
T08
0910P11
Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative60%
Key
01Fidelity Investments48%
Fidelity Investments48%02Vanguard Workplace Solutions13%
03Fidelity Advantage 4019%
Fidelity Advantage 4019%04Empower Retirement7%
Empower Retirement7%05ADP Retirement Services6%
06Human Interest6%
Human Interest6%07Charles Schwab2%
08T. Rowe Price2%
09Principal2%
Principal2%10Principal Financial Group0%
Principal Financial Group0%11Paychex Retirement Services0%
What they warned about
Eight of fourteen models held their first choice under the paraphrase. Claude Haiku 4.5, GPT-5.4 mini, Mistral Small, Qwen 3.7 Flash, MiniMax M2.5 and GPT-6 Luna 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 Hancock100%
6 of 6 labels negative · 6 of 14 models · 4 hard negative
“John Hancock settled a class-action over its 401(k) plan for $14 million... "John Hancock - High fees" under negative recommendations.” Muse Glimmer 30B, negative prompt
Prudential
56%
5 of 9 labels negative · 5 of 14 models · 4 hard negative
“Insurance company plans (AXA, VALIC, Prudential) typically add 0.50-1.00% in extra costs” Muse Glimmer 30B, negative prompt
Empower Retirement12%
7 of 59 labels negative · 5 of 14 models · 3 hard negative
“What to Avoid - Empower: ... median fees are higher ... layered wrap fees and asset-based charges that reduce predictability.” Kimi K2, budget prompt
Principal Financial Group14%
4 of 29 labels negative · 4 of 14 models · 3 hard negative
“Avoid: Principal Financial Group (due to recent class-action allegations of fee manipulation).” 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
69 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. 883 links across 217 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 · Lead Change Group36 answers · 54 citations · 10 models
vendor site · ADP34 answers · 52 citations · 12 models
33 answers · 35 citations · 12 models
28 answers · 31 citations · 12 models
20 answers · 49 citations · 7 models
19 answers · 51 citations · 11 models
vendor site · Reddit18 answers · 34 citations · 9 models
16 answers · 20 citations · 8 models
publisher (Gane)16 answers · 16 citations · 8 models
14 answers · 17 citations · 8 models
13 answers · 16 citations · 9 models
13 answers · 14 citations · 6 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.
30 answers · 10 models
29 answers · 11 models
29 answers · 10 models
19 answers · 10 models
17 answers · 8 models
15 answers · 8 models
14 answers · 5 models
13 answers · 7 models
11 answers · 5 models
10 answers · 6 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 |
|---|---|---|---|---|---|---|---|
| Fidelity Investments fidelity.com Fidelity Investments 48%, Fidelity Advantage 401 9%, Fidelity Workplace Investing 2% | 59% | 80 | 673,000 | 10,126 | 54,604,127 | $1,174 | 84 |
| Vanguard Workplace Solutions vanguard.com | 13% | 115 | 11,906,025 | $673 | 119 | ||
| Empower Retirement empower.com | 7% | 84 | 246,000 | 2,060 | 2,954,551 | $105 | 53 |
| ADP parent site ADP Retirement Services 6%, ADP 401(k) Premier 2% | 7% | 107 | 2,740,000 | 23,897 | |||
| Human Interest humaninterest.com | 6% | 85 | 49,500 | 1,879 | 95,886 | $102 | 55 |
| Charles Schwab | 2% | 3,350,000 | 23,682 | ||||
| T. Rowe Price | 2% | 368,000 | 6,950 | ||||
| Principal principal.com Principal 2%, Principal Financial Group 0% | 2% | 39 | 673,000 | 87,083 | 982,836 | 64 | |
| Guideline guideline.com | 2% | 70 | 49,500 | 92,963 | 86,956 | 0 | |
| Paychex paychex.com Paychex Retirement Services 0% | 0% | 47 | 550,000 | 4,777 | 2,394,396 company | 68 |
Google's top ten for the three searches hold 21 sites; 3 of them are among the sites the models cited here (forbes.com, reddit.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 4.5no first choiceCharles Schwab, Fidelity Advantage 401, Vanguard Workplace SolutionsChangedFidelity InvestmentsHuman Interestno first choiceagainst: John Hancock
Two alternatives
Empower Retirement, Vanguard GroupFour alternatives
Alight, Empower Retirement, Fidelity Investments, PrincipalGPT-5.4 miniEmpower Retirement, Fidelity Advantage 401against: Gusto 401(k) powered by GuidelineEmpower RetirementChangedno first choiceagainst: Human InterestPrincipal, T. Rowe Priceno first choiceagainst: DaVita, Insperity, Transamerica Retirement Advisors, Voya
One alternative
ADP Retirement ServicesThree alternatives
Alight, T. Rowe Price, Vanguard Workplace SolutionsFive alternatives
ADP Retirement Services, Empower Retirement, Fidelity Advantage 401, Principal, Vanguard Workplace SolutionsGemini 3.5 FlashFidelity InvestmentsFidelity InvestmentsHeldFidelity InvestmentsFidelity Investmentsno first choiceagainst: ADP Retirement Services, Betterment for Business, Equitable, ForUsAll, Guideline, Human Interest, Lincoln Financial, Paychex Retirement Services, Principal, Transamerica, Ubiquity Retirement + Savings
Four alternatives
Charles Schwab, Empower Retirement, Principal Financial Group, Vanguard Workplace SolutionsFive alternatives
Charles Schwab, Empower Retirement, Principal Financial Group, Vanguard Workplace Solutions, Voya FinancialFive alternatives
Charles Schwab, Empower Retirement, Principal Financial Group, Vanguard Workplace Solutions, Voya FinancialTwo alternatives
Empower Retirement, Vanguard Workplace SolutionsPerplexity SonarFidelity InvestmentsFidelity InvestmentsHeldEmpower Retirement, Fidelity InvestmentsFidelity Investmentsno first choicenothing named
Four alternatives
ADP Retirement Services, Empower Retirement, Principal Financial Group, Vanguard Workplace SolutionsOne alternative
ADP Retirement ServicesFour alternatives
ADP Retirement Services, Principal, Vanguard Workplace Solutions, VoyaThree alternatives
ADP Retirement Services, Empower Retirement, Vanguard Workplace SolutionsGrok 4.20Fidelity Investmentsagainst: Betterment for Business, Human InterestFidelity InvestmentsHeldagainst: TIAAFidelity InvestmentsFidelity Investmentsagainst: ADP Retirement Services, Empower Retirement, July Business Servicesno first choiceagainst: ForUsAllagainst: ADP Retirement Services, Ameriprise, Empower Retirement, Fidelity Advantage 401, John Hancock, MassMutual, New York Life, Paychex Retirement Services, Principal Financial Group, Prudential, Transamerica, Voya
Three alternatives
Empower Retirement, Principal Financial Group, Vanguard Workplace SolutionsTwo alternatives
Empower Retirement, Vanguard Workplace SolutionsFour alternatives
Alight Solutions, Empower Retirement, T. Rowe Price, Vanguard Workplace SolutionsOne alternative
Vanguard Workplace SolutionsMistral SmallFidelity InvestmentsFidelity Investments, Vanguard Workplace SolutionsChangedAscensus, LLCADP Retirement Servicesno first choiceagainst: AXA Equitable, John Hancock, Lincoln Financial, Principal, Prudential, T. Rowe Price, VALIC
Five alternatives
ADP Retirement Services, Empower Retirement, Human Interest, Paychex Retirement Services, Principal Financial GroupOne alternative
ADP Retirement ServicesThree alternatives
ADP Retirement Services, Fidelity Investments, Vanguard Workplace SolutionsThree alternatives
Empower Retirement, Principal Financial Group, Voya FinancialDeepSeek V4 FlashFidelity InvestmentsFidelity InvestmentsHeldFidelity InvestmentsFidelity Investments, Vanguard Workplace Solutionsagainst: ADP Retirement Services, Empower RetirementFidelity Workplace Investingagainst: Guidelineagainst: ADP TPA services, Ascensus, Empower Retirement, ForUsAll, John Hancock, Nationwide, Paychex Retirement Services, Principal Financial Group, Vanguard Workplace Solutions
Four alternatives
ADP Retirement Services, Alight Solutions, Empower Retirement, Vanguard Workplace SolutionsTwo alternatives
Empower Retirement, Vanguard Workplace SolutionsSix alternatives
ADP Retirement Services, Empower Retirement, Principal Financial Group, T. Rowe Price, Vanguard Workplace Solutions, Voya FinancialOne alternative
Charles SchwabFour alternatives
Empower Retirement, Paychex Retirement Services, Principal Financial Group, Vanguard Workplace SolutionsLlama 4 MaverickFidelity InvestmentsFidelity InvestmentsHeldno first choiceADP 401(k) Premierno first choicenothing named
Three alternatives
ADP Retirement Services, Fidelity Advantage 401, Principal Financial GroupSix alternatives
ADP Retirement Services, Empower Retirement, Human Interest, Paychex Retirement Services, Principal Financial Group, Vanguard Workplace SolutionsThree alternatives
Empower Retirement, Paychex Retirement Services, Principal Financial GroupQwen 3.7 FlashADP Retirement Services, Fidelity InvestmentsFidelity InvestmentsChangedFidelity InvestmentsFidelity Investments, Vanguard Workplace Solutionsno first choiceagainst: Betterment at Work, Guideline, Gust, Motif, Sunlight Financial, Unisys/SunAmerica
Three alternatives
Empower Retirement, Principal Financial Group, Vanguard Workplace SolutionsTwo alternatives
Charles Schwab, Vanguard Workplace SolutionsFour alternatives
Charles Schwab, Empower Retirement, Principal Financial Group, Vanguard Workplace SolutionsThree alternatives
Charles Schwab, Empower Retirement, T. Rowe PriceKimi K2Fidelity InvestmentsFidelity InvestmentsHeldFidelity Investments, Vanguard Workplace Solutionsagainst: John Hancock, PrudentialFidelity Investments, Vanguard Workplace Solutionsagainst: Empower Retirementno first choiceagainst: ADP Retirement Services, Fidelity Investments, Principal Financial Group, Putnam Investments, TIAA-CREF
Three alternatives
ADP Retirement Services, Charles Schwab, Vanguard Workplace SolutionsThree alternatives
Alight Solutions, Empower Retirement, Vanguard Workplace SolutionsFour alternatives
Charles Schwab, Empower Retirement, Principal Financial, T. Rowe PriceOne alternative
Principal Financial GroupGLM 4.7 FlashXFidelity InvestmentsFidelity InvestmentsHeldVanguard Workplace SolutionsGuideline, Human Interestno first choiceagainst: Edward Jones, Empower Retirement, Morgan Stanley, Nationwide, Principal Financial Group, Vanguard Workplace Solutions
Three alternatives
ADP Retirement Services, Empower Retirement, Vanguard Workplace SolutionsThree alternatives
ADP Retirement Services, Charles Schwab Retirement Plan Services, Empower RetirementFour alternatives
ADP Retirement Services, Charles Schwab, Empower Retirement, Fidelity Advantage 401Four alternatives
ADP Retirement Services, Fidelity Advantage 401, Principal Financial Group, Vanguard Workplace SolutionsMiniMax M2.5ADP Retirement Services, Human Interestno first choiceChangedFidelity InvestmentsVanguard Workplace Solutionsno first choiceagainst: Nationwide, Principal Financial, Prudential
Three alternatives
Betterment at Work, Fidelity Workplace Investing, Vanguard 401(k) PlanFive alternatives
ADP Retirement Services, Charles Schwab, Empower Retirement, Principal Financial Group, Vanguard Workplace SolutionsFour alternatives
401GO GO-Enterprise, ADP 401(k) Premier, Fidelity Advantage 401, Principal Financial GroupGPT-6 Lunano first choiceEmpower Retirement, Fidelity Advantage 401ChangedEmpower Retirement, Fidelity Advantage 401, PrincipalEmpower Retirement, Fidelity Advantage 401, Vanguard Workplace Solutionsno first choicenothing named
One alternative
AlightSix alternatives
ADP Retirement Services, Alight, Schwab, T. Rowe Price, Vanguard Workplace Solutions, VoyaMuse Glimmer 30BFidelity InvestmentsFidelity InvestmentsHeldFidelity InvestmentsFidelity Advantage 401no first choiceagainst: AXA, American Funds, Empower Retirement, John Hancock, Nationwide, Principal Financial, Prudential, VALIC
Four alternatives
Empower Retirement, Paychex Retirement Services, Principal Financial Group, Vanguard Workplace SolutionsThree alternatives
ADP 401k Premier, Empower Retirement, Vanguard Workplace SolutionsThree alternatives
Charles Schwab Retirement Plan Services, Empower Retirement, Vanguard Workplace SolutionsSeven alternatives
ADP Retirement Services, Empower Retirement, Human Interest, Principal Financial Group, Ubiquity Retirement + Savings, Vanguard Workplace Solutions, Voya FinancialBold 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 10:59 | no | 0 | 4 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:21 | yes | 4 | 6 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 10:03 | yes | 8 | 26 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-11-01 12:04 | yes | 10 | 4 s |
| Direct recommendation | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:32 | yes | 9 | 38 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:14 | yes | 5 | 4 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:58 | yes | 21 | 24 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:00 | yes | 5 | 3 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:43 | yes | 5 | 16 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:07 | yes | 9 | 32 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 12:38 | yes | 21 | 28 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:03 | yes | 8 | 36 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:19 | yes | 5 | 21 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:03 | yes | 12 | 19 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 11:14 | no | 0 | 5 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 12:25 | yes | 1 | 6 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 10:44 | no | 0 | 14 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-11-01 10:42 | yes | 10 | 4 s |
| Paraphrase | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:10 | yes | 5 | 27 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:24 | yes | 5 | 5 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:37 | yes | 24 | 25 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 11:53 | yes | 5 | 3 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:50 | no | 0 | 28 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 10:02 | yes | 14 | 21 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 12:22 | yes | 14 | 29 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:51 | no | 0 | 11 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:40 | yes | 3 | 19 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:39 | yes | 15 | 16 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 10:08 | yes | 9 | 8 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:16 | yes | 4 | 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 10:12 | no | 0 | 19 s |
| Comparative | Perplexity Sonar | sonar | 2026-11-01 12:41 | yes | 10 | 7 s |
| Comparative | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:11 | yes | 14 | 38 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:29 | yes | 11 | 12 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:17 | yes | 20 | 37 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 11:29 | yes | 5 | 2 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:46 | no | 0 | 33 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:50 | yes | 20 | 24 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 11:18 | yes | 23 | 77 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:54 | yes | 20 | 73 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-11-01 10:46 | yes | 9 | 40 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 11:13 | yes | 21 | 38 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 11:20 | yes | 25 | 12 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:56 | yes | 3 | 5 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 09:00 | yes | 10 | 19 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-11-01 08:49 | yes | 10 | 4 s |
| Budget constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:10 | yes | 18 | 38 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:37 | yes | 5 | 6 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:35 | yes | 19 | 28 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 11:49 | yes | 7 | 4 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:45 | no | 0 | 38 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 12:25 | yes | 22 | 52 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:50 | yes | 22 | 107 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:36 | yes | 20 | 60 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:02 | yes | 2 | 15 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 09:34 | yes | 20 | 33 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 12:07 | no | 0 | 6 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:20 | no | 0 | 7 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 11:21 | no | 0 | 23 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-11-01 10:21 | yes | 10 | 10 s |
| Scale constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:21 | yes | 9 | 32 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:33 | no | 0 | 9 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:23 | yes | 23 | 42 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 11:33 | yes | 5 | 4 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 11:24 | no | 0 | 41 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:27 | yes | 20 | 39 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 12:26 | yes | 25 | 94 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 08:48 | yes | 20 | 102 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:28 | yes | 6 | 18 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 09:06 | yes | 14 | 22 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 10:15 | yes | 18 | 10 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 12:30 | yes | 4 | 7 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 09:36 | no | 0 | 19 s |
| Negative framing | Perplexity Sonar | sonar | 2026-11-01 09:56 | yes | 10 | 5 s |
| Negative framing | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:30 | yes | 15 | 64 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 10:54 | yes | 13 | 9 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:59 | yes | 24 | 36 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 08:36 | yes | 5 | 3 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:42 | no | 0 | 34 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 12:12 | yes | 23 | 30 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 11:34 | yes | 21 | 50 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:35 | yes | 23 | 90 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:39 | yes | 3 | 20 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:08 | yes | 25 | 32 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
ADP (Automatic Data Processing) read as ADP Retirement Services
ADP (Premier tier) read as ADP Retirement Services
Betterment read as Betterment at Work
Empower read as Empower Retirement
Empower (formerly BlackRock's iShares) read as Empower Retirement
Empower (formerly Great-West) read as Empower Retirement
Empower (formerly Personal Capital) read as Empower Retirement
Empower (formerly Record Funds) read as Empower Retirement
Empower (formerly Standard Life / Edwards Retirement) read as Empower Retirement
Empower (formerly T. Rowe Price/John Hancock) read as Empower Retirement
Fidelity read as Fidelity Advantage 401
Fidelity Workplace read as Fidelity Workplace Investing
Gusto read as Gusto 401(k) powered by Guideline
Paychex read as Paychex Retirement Services
Ubiquity read as Ubiquity Retirement + Savings
Vanguard read as Vanguard Workplace Solutions
Unresolved, counted raw
401GO GO-Enterprise
ADP 401k Premier
ADP TPA services
Allianz
Ascensus, LLC
BB&T
DaVita
Deutsche Bank
July Business Services
Motif
Putnam Investments
State Street (SPDR)
Sunlight Financial
TD Ameritrade
TIAA-CREF
Transamerica Retirement Advisors
Unisys/SunAmerica
Vanguard Group
Discontinued, still offered
No shut-down product was recommended here.