# SEP IRA: how AI models rank it, November 2026

Gane Index, November 2026 Edition. Named in 1 judge label across 1 category by 1 of 14 models. Page: https://www.gane.ai/index/hr/vendors/sep-ira

## Standing by category

| Category | Share | Rank | Negative rate | Labels |
|---|---|---|---|---|
| [401(k) providers](https://www.gane.ai/index/hr/rewards/401k-providers/index.md) | 0% | 35 | 0% | 1 |

## What the models said for it

- "Best if you are self-employed or have zero employees. $0 setup/admin fees" (Gemini 3.5 Flash, 401(k) providers)

## By model

| Model | First choice | Alternative | Mention | Warning | Labels |
|---|---|---|---|---|---|
| Claude Haiku 4.5 | 0 | 0 | 0 | 0 | 0 |
| GPT-5.4 mini | 0 | 0 | 0 | 0 | 0 |
| Gemini 3.5 Flash | 0 | 1 | 0 | 0 | 1 |
| Perplexity Sonar | 0 | 0 | 0 | 0 | 0 |
| Grok 4.20 | 0 | 0 | 0 | 0 | 0 |
| Mistral Small | 0 | 0 | 0 | 0 | 0 |
| DeepSeek V4 Flash | 0 | 0 | 0 | 0 | 0 |
| Llama 4 Maverick | 0 | 0 | 0 | 0 | 0 |
| Qwen 3.7 Flash | 0 | 0 | 0 | 0 | 0 |
| Kimi K2 | 0 | 0 | 0 | 0 | 0 |
| GLM 4.7 FlashX | 0 | 0 | 0 | 0 | 0 |
| MiniMax M2.5 | 0 | 0 | 0 | 0 | 0 |
| GPT-6 Luna | 0 | 0 | 0 | 0 | 0 |
| Muse Glimmer 30B | 0 | 0 | 0 | 0 | 0 |

## Sources returned with these answers

The sites and pages cited by the answers that named SEP IRA, from 1 of the 1 answers that named it (only the models that return a source list).

### Domains cited

- business.com: 1
- gusto.com: 1
- help.studiodesigner.com: 1
- hicapitalize.com: 1
- humaninterest.com: 1
- myubiquity.com: 1
- reddit.com: 1
- thecollegeinvestor.com: 1
- youtube.com: 1

### Pages cited

- https://business.com/reviews/guideline: 1
- https://business.com/reviews/human-interest: 1
- https://gusto.com/product/integrations/gusto_401k: 1
- https://help.studiodesigner.com/s/article/Gusto-401K-with-Guideline-Prices: 1
- https://hicapitalize.com/resources/ubiquity-401k: 1
- https://humaninterest.com/learn/articles/how-much-does-a-401k-cost-employers: 1
- https://humaninterest.com/learn/guides/are-you-paying-too-much-for-your-401k: 1
- https://humaninterest.com/payrolls/central: 1

## Record

- Method: https://www.gane.ai/index/hr/methodology
- License: CC BY 4.0. Cite as Gane Index, November 2026 Edition, www.gane.ai/index/hr.