Index › HR › Compensation and total rewards › 401(k) providers › Small business · November 2026 Edition
401(k) providers for small business buyers
Asked as “401(k) provider”, and as “workplace retirement plan provider”, on behalf of a small B2B company. 57 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each. Added to the November 2026 Edition.
Standing · first-choice share
25%
Contested · Human Interest 16%
25Guideline16Human Interest14ADP Retirement Services46others
25% of first choices, contested.
Since October 2026▼−18Since October 2026: 43% → 25%, −18 points. Past the 13-point floor: movement.Guideline held the lead, −18 points on 43%, past the 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.This pageMid-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.Standing →
Guideline25%Contested▼−18Since October 2026: 43% → 25%, −18 points. Past the 13-point floor: movement.This pageMid-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.Standing →The standing
Share is the count of first choices across the direct, paraphrase, budget and scale prompts, over all fourteen models, for a small B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrantSince October 2026
01Guideline25%14%44accepted challenger▼−18Since October 2026: 43% → 25%, −18 points. Past the 13-point floor: movement.43% → 25%
Guideline25%14%44accepted challenger▼−18Since October 2026: 43% → 25%, −18 points. Past the 13-point floor: movement.43% → 25%02Human Interest16%8%37accepted challenger▲+1Since October 2026: 15% → 16%, +1 point. Inside the 13-point floor: within noise.15% → 16%
Human Interest16%8%37accepted challenger▲+1Since October 2026: 15% → 16%, +1 point. Inside the 13-point floor: within noise.15% → 16%03ADP Retirement Services14%26%42criticized challenger▲+6Since October 2026: 8% → 14%, +6 points. Inside the 13-point floor: within noise.8% → 14%
04Employee Fiduciary 401(k) Plan11%0%29accepted challenger▲+9Since October 2026: 2% → 11%, +9 points. Inside the 13-point floor: within noise.2% → 11%
05
Fidelity Advantage 4019%8%39accepted challenger▼−2Since October 2026: 11% → 9%, −2 points. Inside the 13-point floor: within noise.11% → 9%
Fidelity Advantage 4019%8%39accepted challenger▼−2Since October 2026: 11% → 9%, −2 points. Inside the 13-point floor: within noise.11% → 9%06
ShareBuilder 401k7%10%20accepted challenger▲+7Since October 2026: 0% → 7%, +7 points. Inside the 13-point floor: within noise.0% → 7%
ShareBuilder 401k7%10%20accepted challenger▲+7Since October 2026: 0% → 7%, +7 points. Inside the 13-point floor: within noise.0% → 7%07
Ubiquity Retirement + Savings4%0%15accepted challenger▲+4Since October 2026: 0% → 4%, +4 points. Inside the 13-point floor: within noise.0% → 4%
Ubiquity Retirement + Savings4%0%15accepted challenger▲+4Since October 2026: 0% → 4%, +4 points. Inside the 13-point floor: within noise.0% → 4%08Paychex Retirement Services4%38%26criticized challenger▲+4Since October 2026: 0% → 4%, +4 points. Inside the 13-point floor: within noise.0% → 4%
09Betterment for Business2%0%23accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 13-point floor: within noise.0% → 2%
Show the two products at 0%, ordered by negative rate
10Vanguard Workplace Solutions0%10%39accepted challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 13-point floor: within noise.2% → 0%
11
Betterment at Work0%4%28accepted challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 13-point floor: within noise.2% → 0%
Betterment at Work0%4%28accepted challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 13-point floor: within noise.2% → 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 small business.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 →
0102A03
E04
050607P08
B09
V10
11Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative40%
Key
01Guideline25%
Guideline25%02Human Interest16%
Human Interest16%03ADP Retirement Services14%
04Employee Fiduciary 401(k) Plan11%
05Fidelity Advantage 4019%
Fidelity Advantage 4019%06ShareBuilder 401k7%
ShareBuilder 401k7%07Ubiquity Retirement + Savings4%
Ubiquity Retirement + Savings4%08Paychex Retirement Services4%
09Betterment for Business2%
10Vanguard Workplace Solutions0%
11Betterment at Work0%
Betterment at Work0%What they warned about
Four of fourteen models held their first choice under the paraphrase. Claude Haiku 4.5, GPT-5.4 mini, Grok 4.20, Mistral Small, DeepSeek V4 Flash, Qwen 3.7 Flash, Kimi K2, GLM 4.7 FlashX, MiniMax M2.5 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.
ADP Retirement Services
26%
11 of 42 labels negative · 10 of 14 models · 1 hard negative
“ADP has terrible customer service and were extremely difficult to work with” Kimi K2, negative prompt
Paychex Retirement Services
38%
10 of 26 labels negative · 9 of 14 models · 1 hard negative
“Do not use Paychex under any circumstances. They are the WORST.” Kimi K2, negative prompt
Guideline14%
6 of 44 labels negative · 6 of 14 models · 4 hard negative
“You may want to stay away from Guideline for now. They've received quite a few negative reviews on Google Maps for poor or completely unresponsive customer service” Muse Glimmer 30B, negative prompt
Ascensus83%
5 of 6 labels negative · 5 of 14 models · 2 hard negative
“Ascensus has received widespread criticism for clunky user interfaces, poor customer service, and high costs.” Mistral Small, 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
74 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. 841 links across 135 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 · ADP46 answers · 89 citations · 12 models
vendor site · Betterment37 answers · 59 citations · 14 models
vendor site · Employee Fiduciary26 answers · 53 citations · 12 models
26 answers · 39 citations · 8 models
vendor site · Fidelity25 answers · 30 citations · 11 models
25 answers · 26 citations · 9 models
24 answers · 24 citations · 10 models
vendor site · Reddit22 answers · 51 citations · 10 models
19 answers · 44 citations · 11 models
19 answers · 19 citations · 7 models
19 answers · 19 citations · 10 models
vendor site · Human Interest16 answers · 27 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.
38 answers · 12 models
32 answers · 13 models
29 answers · 10 models
24 answers · 9 models
23 answers · 10 models
19 answers · 7 models
19 answers · 10 models
17 answers · 9 models
16 answers · 6 models
14 answers · 8 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 |
|---|---|---|---|---|---|---|---|---|
| Guideline guideline.com | 25% | 70 | 49,500 | 92,963 | 86,956 | 0 | ||
| Human Interest humaninterest.com | 16% | 85 | 49,500 | 1,879 | 95,886 | $102 | 55 | |
| ADP parent site ADP Retirement Services 14%, ADP 401k Essential 2%, ADP Starter-k Complete 0%, ADP 401(k) Essential 0% and 1 more | 16% | 107 | 2,740,000 | 23,897 | ||||
| Employee Fiduciary 401(k) Plan employeefiduciary.com | 11% | 45 | 113,753 | |||||
| Fidelity Investments fidelity.com Fidelity Advantage 401 9%, Fidelity Investments 0%, Fidelity Workplace Investing 0% | 9% | 80 | 673,000 | 10,126 | 54,604,127 | $1,174 | 84 | |
| ShareBuilder 401k sharebuilder401k.com | 7% | 32 | 2 | |||||
| Ubiquity – Saver(k)® myubiquity.com Ubiquity Retirement + Savings 4%, Ubiquity – Saver(k)® 2% | 5% | 24 | 24,617 | 19 | ||||
| Gusto 401(k) powered by Guideline gusto.com | 4% | 8 | 1,629,483 | 118 | ||||
| Paychex paychex.com Paychex Retirement Services 4% | 4% | 47 | 550,000 | 4,777 | 2,394,396 company | 68 | ||
| Betterment at Work betterment.com Betterment for Business 2%, Betterment at Work 0% | 2% | 71 | 390 | 45,249 | 65,953 | $43 | 54 |
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 small B2B company?”Paraphrase“Which workplace retirement plan provider would you recommend to a small business that sells to other businesses?”Comparative“What are the top 401(k) providers for a small team and how do they differ?”Budget-constrained“What is the best 401(k) provider for a small company with a tight budget?”Scale-constrained“We are a 30 person company evaluating a 401(k) provider. What should we look at?”Negative“Which 401(k) providers should a small business avoid or be cautious about?”
Claude Haiku 4.5Guidelineno first choiceChangedGuidelineagainst: Human InterestGuidelineagainst: Human Interestno first choiceagainst: Ascensus, Fidelity Advantage 401, Human Interest, Vanguard Workplace Solutions
Three alternatives
ADP Retirement Services, Fidelity Investments, Human InterestFour alternatives
ADP Retirement Services, Betterment at Work, Fidelity Advantage 401, Vanguard Workplace SolutionsThree alternatives
Fidelity Advantage 401, Schwab, Vanguard Workplace SolutionsGPT-5.4 miniGusto 401(k) powered by Guideline, Human InterestGusto 401(k) powered by GuidelineChangedno first choiceGuidelineagainst: ADP Retirement Services, Empower Retirement, Paychex Retirement Servicesno first choicenothing named
One alternative
Fidelity Advantage 401One alternative
ADP Retirement ServicesSix alternatives
ADP Retirement Services, Ascensus, Human Interest, Paychex Retirement Services, ShareBuilder 401k, Ubiquity Retirement + SavingsTwo alternatives
Human Interest, VestwellGemini 3.5 FlashGuidelineagainst: Fidelity Everyday 401GuidelineHeldGuidelineagainst: ADP RUN, Paychex FlexGuidelineno first choiceagainst: ADP Retirement Services, Paychex Retirement Servicesagainst: ADP Retirement Services, John Hancock, Lincoln Financial, Nationwide, Paychex Retirement Services, Principal, Transamerica
Four alternatives
Betterment at Work, Employee Fiduciary 401(k) Plan, Human Interest, Ubiquity Retirement + SavingsThree alternatives
Betterment at Work, Fidelity Advantage 401, Human InterestFive alternatives
Betterment at Work, Employee Fiduciary 401(k) Plan, Fidelity Advantage 401, Human Interest, Ubiquity Retirement + SavingsThree alternatives
Betterment at Work, Employee Fiduciary 401(k) Plan, Ubiquity Retirement + SavingsSix alternatives
Betterment at Work, Fidelity Advantage 401, Guideline, Human Interest, Schwab, Vanguard Workplace SolutionsPerplexity SonarFidelity Advantage 401Fidelity Advantage 401HeldGuidelineHuman Interestagainst: Betterment at Workno first choiceagainst: ADP Retirement Services, Paychex Retirement Services
Five alternatives
ADP 401(k) Essential, Betterment at Work, Human Interest, Principal, VestwellFive alternatives
ADP Retirement Services, Bank of America, Betterment at Work, Merrill, Vanguard Workplace SolutionsSeven alternatives
ADP Retirement Services, Betterment at Work, Employee Fiduciary 401(k) Plan, Fidelity Advantage 401, Human Interest, Paychex Retirement Services, VestwellTwo alternatives
ADP Starter-k Complete, Fidelity Advantage 401Grok 4.20ShareBuilder 401kBetterment for BusinessChangedagainst: Bank of America, Fidelity Advantage 401, Merrill, Principal, Vanguard Workplace Solutionsno first choiceEmployee Fiduciary 401(k) Planagainst: ADP Starter-k or Essentialno first choiceagainst: ADP Retirement Services, Liberty Mutual, MassMutual, Paychex Retirement Services, Principal, Slavic401k
Four alternatives
ADP Retirement Services, Employee Fiduciary 401(k) Plan, Fidelity Investments, Vanguard Workplace SolutionsThree alternatives
ADP Retirement Services, Guideline, Human InterestSeven alternatives
ADP Retirement Services, Betterment for Business, Employee Fiduciary 401(k) Plan, Fidelity Investments, Guideline, ShareBuilder 401k, Vanguard Workplace SolutionsThree alternatives
Fidelity Investments, ForUsAll, Vanguard Workplace SolutionsMistral SmallADP Retirement Services, GuidelineADP Retirement Services, Paychex Retirement ServicesChangedno first choiceEmployee Fiduciary 401(k) Plan, ShareBuilder 401kno first choiceagainst: AXA Equitable, Ascensus, Edward Jones, Guideline, Lincoln Financial, Prudential, VALIC
Three alternatives
Fidelity Workplace Services, ShareBuilder 401k, Vanguard Workplace SolutionsOne alternative
Betterment for BusinessTwo alternatives
ADP 401k Essential, GuidelineDeepSeek V4 FlashHuman InterestGuidelineChangedHuman InterestGuidelineno first choiceagainst: AXA Equitable, Edward Jones, Guideline, John Hancock, MassMutual, Prudential, ShareBuilder 401k, VALIC
Five alternatives
ADP Retirement Services, Betterment for Business, Fidelity Advantage 401, Guideline, ShareBuilder 401kThree alternatives
ADP 401(k) Essential, Betterment at Work, Human InterestSix alternatives
ADP Retirement Services, Betterment at Work, Fidelity Workplace Investing, Guideline, Paychex Retirement Services, Vanguard Workplace SolutionsFour alternatives
ADP Starter-k Complete, Betterment for Business, Employee Fiduciary 401(k) Plan, ShareBuilder 401kLlama 4 Maverickno first choiceno first choiceHeldno first choiceADP 401k Essentialno first choiceagainst: ADP Retirement Services, Guideline, Paychex Retirement Services
Two alternatives
Betterment at Work, Ubiquity's Saver(k)®Qwen 3.7 FlashGuidelineADP Retirement ServicesChangedGuidelineGuidelineno first choiceagainst: ADP Retirement Services, Guideline, MetLife, Morgan Stanley, Paychex Retirement Services, Vanguard Workplace Solutions, Wells Fargo
Three alternatives
ADP Retirement Services, Fidelity Advantage 401, Vanguard Workplace SolutionsFour alternatives
Betterment for Business, Employee Fiduciary 401(k) Plan, Fidelity Investments, SIMPLE IRAFour alternatives
Ethena, Fidelity Investments, Gusto 401(k) powered by Guideline, Paychex Retirement ServicesThree alternatives
Human Interest, ShareBuilder 401, VestwellFive alternatives
Betterment for Business, Fidelity Advantage 401, Guideline, Schwab, Vanguard Workplace SolutionsKimi K2Employee Fiduciary 401(k) Plan, Human InterestGuidelineChangedEmployee Fiduciary 401(k) PlanGuideline, Ubiquity Retirement + SavingsEmployee Fiduciary 401(k) Planagainst: Fidelity Advantage 401, Vanguard Workplace Solutionsagainst: ADP Retirement Services, Ascensus, John Hancock, Nationwide, Paychex Retirement Services, Principal, ShareBuilder 401k, Slavic401k, TheStandard/Securian, United of Omaha
Three alternatives
ADP 401(k) Essential / Starter-k Complete, Betterment at Work, Fidelity Workplace InvestingThree alternatives
ADP 401k Essential, Betterment for Business, ShareBuilder 401kFour alternatives
ADP Retirement Services, Fidelity Advantage 401, Guideline, Human InterestTwo alternatives
Employee Fiduciary 401(k) Plan, ShareBuilder 401kFour alternatives
ADP Retirement Services, Betterment for Business, Gusto 401(k) powered by Guideline, Paychex Retirement ServicesGLM 4.7 FlashXHuman InterestADP Retirement ServicesChangedGuideline, Human Interestagainst: Paychex Retirement ServicesFidelity Advantage 401no first choiceagainst: ADP Retirement Services, AXA Equitable, Lincoln Financial, Mass Mutual, MetLife, New York Life, Prudential, Slavic401k.com, VALIC
Seven alternatives
ADP Retirement Services, Betterment at Work, Fidelity Workplace Investing, Paychex Retirement Services, Principal, Ubiquity Retirement + Savings, Vanguard Workplace SolutionsThree alternatives
Human Interest, Paychex Retirement Services, Vanguard Workplace SolutionsFive alternatives
ADP Retirement Services, Betterment for Business, Fidelity Advantage 401, ShareBuilder, Vanguard Workplace SolutionsFour alternatives
ADP Retirement Services, Charles Schwab, ShareBuilder, Vanguard Workplace SolutionsMiniMax M2.5ADP Retirement Services, ShareBuilder 401kADP Retirement Services, Paychex Retirement ServicesChangedADP Retirement Services, GuidelineADP Starter‑k Complete, Ubiquity Retirement + Savingsno first choiceagainst: ADP Retirement Services, Ascensus, Edward Jones, Guideline, Principal Financial Group
Two alternatives
Fidelity Investments, Vanguard Workplace SolutionsOne alternative
Human InterestFour alternatives
Betterment for Business, Fidelity Advantage 401, Ubiquity Retirement + Savings, Vanguard Workplace SolutionsThree alternatives
Employee Fiduciary 401(k) Plan, Fidelity Advantage 401, GuidelineGPT-6 LunaHuman InterestHuman InterestHeldno first choiceEmployee Fiduciary 401(k) Plan, Gusto Coreagainst: Gusto Retirementno first choicenothing named
Three alternatives
ADP Starter-k Complete, Fidelity Advantage 401, Gusto 401(k) powered by GuidelineTwo alternatives
ADP Retirement Services, Fidelity Advantage 401Five alternatives
Betterment at Work, Fidelity Advantage 401, Gusto 401(k) powered by Guideline, Human Interest, VestwellMuse Glimmer 30BADP Retirement Services, Fidelity Advantage 401, Human InterestADP Retirement Services, Fidelity Advantage 401ChangedShareBuilder 401kEmployee Fiduciary 401(k) Plan, ShareBuilder 401k, Ubiquity – Saver(k)®Guideline, Human Interestagainst: ADP Retirement Services, Ascensus, Guideline, Paychex Retirement Services, Principal Financial
Three alternatives
Fidelity Workplace Investing, ShareBuilder 401k, Ubiquity Retirement + SavingsTwo alternatives
Betterment at Work, GuidelineSeven alternatives
ADP 401(k) Plan, Betterment for Business, Employee Fiduciary 401(k) Plan, Fidelity Investments 401(k) Plan, Guideline, Merrill Edge 401(k) Plan, Vanguard 401(k) PlanTwo alternatives
ADP 401(k) Plan, ADP Starter-k CompleteTwo alternatives
ADP Retirement Services, Paychex Retirement ServicesBold 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 09:51 | yes | 9 | 7 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 08:44 | yes | 3 | 5 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 10:14 | yes | 13 | 25 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-11-01 10:39 | yes | 10 | 4 s |
| Direct recommendation | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:20 | yes | 9 | 35 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:18 | yes | 5 | 9 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:50 | yes | 20 | 29 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:38 | yes | 5 | 2 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:49 | yes | 10 | 38 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 12:36 | yes | 8 | 28 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 10:28 | yes | 12 | 42 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 11:28 | yes | 10 | 71 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:45 | yes | 5 | 23 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 11:37 | yes | 10 | 17 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 10:57 | no | 0 | 4 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:19 | yes | 3 | 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 12:25 | yes | 7 | 18 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-11-01 12:21 | yes | 10 | 3 s |
| Paraphrase | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:14 | yes | 9 | 32 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 08:55 | yes | 5 | 55 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:09 | yes | 19 | 38 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:41 | yes | 5 | 3 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 08:48 | yes | 7 | 38 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:52 | yes | 18 | 30 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:16 | yes | 18 | 104 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:45 | yes | 5 | 61 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:05 | yes | 4 | 16 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:12 | yes | 14 | 22 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 11:34 | yes | 9 | 9 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 11:24 | 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 09:54 | yes | 12 | 27 s |
| Comparative | Perplexity Sonar | sonar | 2026-11-01 11:47 | yes | 10 | 7 s |
| Comparative | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:19 | yes | 12 | 41 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:01 | yes | 5 | 8 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:29 | yes | 24 | 42 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:54 | yes | 5 | 2 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:40 | no | 0 | 27 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:32 | yes | 18 | 38 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 10:46 | yes | 24 | 44 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 11:04 | yes | 17 | 74 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:03 | yes | 7 | 23 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:37 | yes | 23 | 41 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 08:54 | yes | 9 | 8 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:16 | no | 0 | 3 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 10:46 | yes | 11 | 17 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-11-01 10:00 | yes | 10 | 3 s |
| Budget constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:16 | yes | 5 | 27 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 10:59 | yes | 5 | 22 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 12:54 | yes | 21 | 28 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 10:20 | yes | 5 | 3 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:07 | yes | 10 | 21 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:59 | yes | 13 | 39 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 12:57 | yes | 24 | 108 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 11:42 | yes | 8 | 93 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:20 | yes | 3 | 26 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:56 | yes | 11 | 18 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 10:21 | no | 0 | 6 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 12:50 | 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 12:05 | no | 0 | 14 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-11-01 11:25 | yes | 10 | 6 s |
| Scale constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:19 | yes | 5 | 34 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:50 | no | 0 | 8 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:38 | yes | 18 | 34 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 10:30 | yes | 5 | 3 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:44 | no | 0 | 29 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 10:11 | yes | 11 | 67 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 10:37 | yes | 16 | 35 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:59 | no | 0 | 14 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 10:05 | yes | 4 | 19 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 09:27 | yes | 15 | 17 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 11:18 | yes | 18 | 9 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 12:35 | no | 0 | 5 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 11:57 | yes | 14 | 22 s |
| Negative framing | Perplexity Sonar | sonar | 2026-11-01 09:52 | yes | 10 | 5 s |
| Negative framing | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:03 | yes | 15 | 33 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 10:37 | yes | 5 | 5 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:34 | yes | 25 | 34 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 08:50 | yes | 5 | 3 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:43 | yes | 10 | 47 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:27 | yes | 25 | 42 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 10:29 | yes | 24 | 20 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:28 | yes | 25 | 117 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:58 | yes | 4 | 15 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:23 | yes | 15 | 19 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 (Starter-k) read as ADP Retirement Services
ADP (Starter‑k Complete or 401k Essential) 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
Fidelity read as Fidelity Advantage 401
Gusto read as Gusto 401(k) powered by Guideline
Gusto 401(k), powered by Guideline 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
ADP 401(k) Essential / Starter-k Complete
ADP Starter-k or Essential
ADP Starter‑k Complete
Fidelity Everyday 401(k)
Gusto Core
Liberty Mutual
Mass Mutual
NKP
OregonSaves
TheStandard/Securian
Ubiquity – Saver(k)®
Ubiquity's Saver(k)®
United of Omaha
Discontinued, still offered
No shut-down product was recommended here.