401(k) providers
Asked as “401(k) provider”, and as “workplace retirement plan provider”, on behalf of a mid-market B2B company. 55 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each. Added to the October 2026 Edition on October 4, 2026; its answers are read by the distilled judge (ai-indexes-judge-qwen3-14b-run3), not the claude-opus-5 judge of the earlier categories: how the two compare.
Standing · first-choice share
20%
Contested · Human Interest 20%
20Guideline20Human Interest16ADP Retirement Services44others
20% of first choices, contested.
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.
The standing
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. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrantSince September 2026
03ADP Retirement Services16%12%41accepted challengernewNew since September 2026: not ranked then, 16% now.
04
Fidelity Investments13%4%23accepted challengernewNew since September 2026: not ranked then, 13% now.
Fidelity Investments13%4%23accepted challengernewNew since September 2026: not ranked then, 13% now.05
Fidelity Advantage 4019%0%36accepted challengernewNew since September 2026: not ranked then, 9% now.
Fidelity Advantage 4019%0%36accepted challengernewNew since September 2026: not ranked then, 9% now.Show the four products at 0%, ordered by negative rate
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 is noise, and both are shown. Movement is read over the twelve models both editions asked; GPT-6 Luna, Muse Glimmer 30B joined this edition and are in the standing but not yet in the comparison. 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.
Head to head
All twenty-eight head-to-head pages: the top eight products, each against each
Human Interest vs Fidelity Advantage 401Human Interest vs Empower RetirementHuman Interest vs VanguardHuman Interest vs PrincipalGuideline vs ADP Retirement ServicesGuideline vs Fidelity InvestmentsGuideline vs Fidelity Advantage 401Guideline vs Empower RetirementGuideline vs VanguardGuideline vs PrincipalADP Retirement Services vs Fidelity InvestmentsADP Retirement Services vs Fidelity Advantage 401ADP Retirement Services vs Empower RetirementADP Retirement Services vs VanguardADP Retirement Services vs PrincipalFidelity Investments vs Fidelity Advantage 401Fidelity Investments vs Empower RetirementFidelity Investments vs VanguardFidelity Investments vs PrincipalFidelity Advantage 401 vs Empower RetirementFidelity Advantage 401 vs VanguardFidelity Advantage 401 vs PrincipalEmpower Retirement vs VanguardEmpower Retirement vs PrincipalVanguard vs Principal
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 →
01
02A03
0405
06
07
08C09
10T11
12Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative40%
Key
01Human Interest20%
Human Interest20%02Guideline20%
Guideline20%03ADP Retirement Services16%
04Fidelity Investments13%
Fidelity Investments13%05Fidelity Advantage 4019%
Fidelity Advantage 4019%06Empower Retirement7%
Empower Retirement7%07Vanguard5%
Vanguard5%08Principal2%
Principal2%09Charles Schwab0%
10Betterment at Work0%
Betterment at Work0%11T. Rowe Price0%
12Paychex0%
Paychex0%What they warned about
Three of fourteen models held their first choice under the paraphrase. Claude Haiku 4.5, Perplexity Sonar, Grok 4.1 Fast, Mistral Small, DeepSeek V4 Flash, Qwen 3.7 Flash, Kimi K2, GLM 4.7 FlashX, MiniMax M2.5, GPT-6 Luna 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.
MassMutual
83%
5 of 6 labels negative · 5 of 14 models · 1 hard negative
“frequently mentioned as among the worst offenders due to their high administrative costs, expensive fund options, and sometimes opaque fee structures” Mistral Small, negative prompt
John Hancock44%
4 of 9 labels negative · 4 of 14 models · 3 hard negative
“Multiple financial advisors specifically recommend **avoiding John Hancock** for 401(k) plans due to service and fee issues.” DeepSeek V4 Flash, negative prompt
Ascensus60%
3 of 5 labels negative · 3 of 14 models · 2 hard negative
“Ascensus, which handled the Vanguard transfer of 401(k)s so badly that a class action lawsuit may be in the works.” Claude Haiku 4.5, negative prompt
Guideline9%
3 of 32 labels negative · 3 of 14 models · 2 hard negative
“BBB customer reviews include stark warnings, e.g.: "Avoid at all costs." "You will never be able to get your money out."” Muse Glimmer 30B, negative prompt
What they cite
Citations exist only for the models that return a source list: fourteen of the fourteen in this edition, and all six flagship models on the expanded tier.
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. 974 links across 176 sites, every framing counted. Ranked by the number of answers carrying the site or page. None of the 252 answers across every segment cited this index's own page for the category.
37 answers · 49 citations · 11 models
vendor site · ADP36 answers · 54 citations · 12 models
35 answers · 35 citations · 12 models
vendor site · Betterment29 answers · 43 citations · 12 models
vendor site · Fidelity28 answers · 29 citations · 11 models
27 answers · 32 citations · 10 models
24 answers · 24 citations · 9 models
vendor site · Human Interest22 answers · 44 citations · 8 models
22 answers · 33 citations · 11 models
21 answers · 23 citations · 9 models
20 answers · 21 citations · 11 models
19 answers · 22 citations · 8 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.
35 answers · 12 models
33 answers · 11 models
24 answers · 12 models
24 answers · 9 models
23 answers · 10 models
22 answers · 8 models
18 answers · 9 models
18 answers · 8 models
17 answers · 10 models
15 answers · 10 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 13%, Fidelity Advantage 401 9% | 22% | 102 | 673,000 | 10,126 | 54,604,127 | $1,174 | 84 |
| Human Interest humaninterest.com | 20% | 105 | 49,500 | 1,879 | 95,886 | $102 | 55 |
| Guideline guideline.com Guideline 20%, Guideline (now Gusto 401(k)) 0% | 20% | 93 | 49,500 | 92,963 | 86,956 | 0 | |
| ADP parent site ADP Retirement Services 16%, ADP Starter-k Complete 2%, ADP 401(k) Premier 2% | 20% | 128 | 2,740,000 | 23,897 | |||
| Empower Retirement empower.com | 7% | 84 | 246,000 | 2,060 | 2,954,551 | $105 | 53 |
| Vanguard vanguard.com | 5% | 113 | 1,830,000 | 78,984 | 11,906,025 | $673 | 119 |
| Employee Fiduciary employeefiduciary.com | 2% | 26 | 5,400 | 29 | 113,753 | ||
| Principal principal.com | 2% | 29 | 673,000 | 87,083 | 982,836 | 64 | |
| Lighthouse Group | 2% | ||||||
| Charles Schwab | 0% | 3,350,000 | 23,682 |
Google's top ten for the three searches hold 21 sites; 2 of them are among the sites the models cited here (forbes.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 a mid-market B2B company?”Paraphrase“Which workplace retirement plan provider would you recommend to a mid-sized B2B company?”Comparative“What are the top 401(k) providers and how do they differ?”Budget-constrained“What is the best 401(k) provider for a company with a limited budget?”Scale-constrained“We are a 500 person company evaluating a 401(k) provider. What should we look at?”Negative“Which 401(k) providers should I avoid or be cautious about?”
Claude Haiku 4.5Human InterestFidelity Investments, PrincipalChangedno first choiceGuidelineno first choiceagainst: Ascensus, Fidelity Investments
Three alternatives
Fidelity Investments, Principal, VanguardFour alternatives
ADP Retirement Services, Betterment at Work, Human Interest, PaychexThree alternatives
ADP Retirement Services, Fidelity Advantage 401, Human InterestGPT-5.4 miniADP Retirement Servicesagainst: Human InterestADP Retirement ServicesHeldFidelity Advantage 401, VanguardHuman Interestno first choicenothing named
Three alternatives
Empower Retirement, Gusto, ShareBuilder 401kTwo alternatives
Empower Retirement, ShareBuilder 401kTwo alternatives
Empower Retirement, PrincipalTwo alternatives
ADP Starter-k Complete, Fidelity Advantage 401Gemini 3.5 FlashHuman InterestHuman InterestHeldagainst: ADP Retirement Servicesno first choiceGuideline, Human Interestno first choiceagainst: ADP Retirement Services, Equitable, John Hancock, Lincoln Financial, Paychex, Principal, Transamerica, Voya
Three alternatives
ADP Retirement Services, Fidelity Investments, Principal Financial GroupTwo alternatives
Empower Retirement, Fidelity InvestmentsTwo alternatives
Employee Fiduciary, Ubiquity Retirement + SavingsPerplexity SonarADP Retirement Services, Human InterestADP Retirement ServicesChangedno first choiceGuidelineno first choiceagainst: Guideline, Human Interest, MassMutual, Slavic401k, Ubiquity, VALIC, Voya
Four alternatives
Empower Retirement, Fidelity Advantage 401, John Hancock, Securian FinancialThree alternatives
Employee Fiduciary, Fidelity Advantage 401, PaychexThree alternatives
ADP Retirement Services, Fidelity Advantage 401, MerrillGrok 4.1 FastGuideline, Human InterestADP Retirement Services, Fidelity Advantage 401Changedagainst: T. Rowe PriceFidelity Advantage 401ADP Starter-k Complete, GuidelineADP Retirement Servicesagainst: Ascensus, CGI, Federated Hermes, Guideline, Human Interest, Liberty Mutual, MassMutual, Principal Financial, Vanguard (as 401(k) administrator)
Five alternatives
ADP Retirement Services, Charles Schwab, Fidelity Advantage 401, Principal, VanguardThree alternatives
Guideline, Human Interest, VanguardEight alternatives
ADP Retirement Services, Charles Schwab, Employee Fiduciary, Empower Retirement, Guideline, Human Interest, ShareBuilder, VanguardThree alternatives
Fidelity Advantage 401, Human Interest, VanguardFive alternatives
Charles Schwab, Fidelity Advantage 401, ForUsAll, Human Interest, VanguardMistral SmallFidelity Advantage 401ADP Retirement Services, Fidelity Advantage 401Changedno first choiceVanguardno first choiceagainst: John Hancock, MassMutual, Principal Financial Group, T. Rowe Price, Voya
Two alternatives
ADP Retirement Services, Empower RetirementTwo alternatives
Bank of America, PrincipalTwo alternatives
ADP Retirement Services, GuidelineDeepSeek V4 FlashFidelity Investments, Guideline, Human InterestGuidelineChangedagainst: ADP Retirement Services, Paychexno first choiceGuidelineno first choiceagainst: John Hancock, MassMutual, Merrill, Principal Financial, Transamerica, Vanguard
Three alternatives
ADP Retirement Services, Empower Retirement, T. Rowe PriceThree alternatives
Employee Fiduciary, Human Interest, VanguardThree alternatives
ADP Starter-k Complete, Betterment at Work, Human InterestLlama 4 Maverickno first choiceno first choiceHeldno first choiceno first choiceno first choicenothing named
Qwen 3.7 FlashFidelity Investments, Guideline, Lighthouse GroupFidelity InvestmentsChangedFidelity Investmentsagainst: Towers WatsonADP Retirement Servicesno first choiceagainst: Bank of America, Citi, E*TRADE, Edward Jones, JPMorgan, MassMutual, MetLife, Morgan Stanley, Prudential, Transamerica, Wells Fargo
Two alternatives
Charles Schwab, VanguardThree alternatives
Betterment Advisor, Empower Retirement, VanguardSix alternatives
Charles Schwab, Edward Jones, Guideline, MetLife, Principal Financial, VanguardThree alternatives
Charles Schwab, Merrill Lynch, VanguardKimi K2Fidelity InvestmentsEmpower RetirementChangedno first choiceGuidelineno first choiceagainst: John Hancock, Northwestern Mutual, Principal Financial Group
Four alternatives
ADP Retirement Services, Empower Retirement, T. Rowe Price, VanguardThree alternatives
ADP Retirement Services, Fidelity Advantage 401, Human InterestTwo alternatives
ADP Starter-k Complete, VanguardGLM 4.7 FlashXHuman InterestADP Retirement Services, Fidelity InvestmentsChangedFidelity InvestmentsGuideline, Human Interestagainst: ADP Retirement Servicesno first choiceagainst: ADP Retirement Services, Paychex, Principal Financial, Vanguard, Wells Fargo
Three alternatives
ADP Retirement Services, Fidelity Investments, VanguardThree alternatives
Empower Retirement, Guideline, VanguardNine alternatives
ADP Retirement Services, Betterment for Business, Charles Schwab, Empower Retirement, Guideline, Human Interest, Paychex, T. Rowe Price, VanguardOne alternative
Fidelity Advantage 401MiniMax M2.5Human InterestFidelity Advantage 401, VanguardChangedno first choiceVanguardno first choicenothing named
Two alternatives
Empower Retirement, T. Rowe PriceTwo alternatives
Empower Retirement, Human InterestThree alternatives
Betterment at Work, Fidelity Advantage 401, UbiquityGPT-6 LunaADP 401(k) PremierEmpower RetirementChangedno first choiceFidelity Advantage 401no first choicenothing named
Three alternatives
Empower Retirement, Fidelity Workplace, PrincipalTwo alternatives
ADP Retirement Services, Fidelity Advantage 401Two alternatives
A SIMPLE IRA, Human InterestMuse Glimmer 30BEmpower Retirement, Fidelity InvestmentsEmpower RetirementChangedFidelity InvestmentsEmployee Fiduciaryno first choiceagainst: Ascensus, Betterment at Work, Guideline, Slavic401k.com, Ubiquity, Vestwell Holdings Inc.
Six alternatives
ADP Retirement Services, Employee Fiduciary, Guideline, Human Interest, Nationwide, VanguardTwo alternatives
ADP Retirement Services, Fidelity InvestmentsThree alternatives
Charles Schwab, Empower Retirement, VanguardTwo alternatives
ADP Starter-k Complete, Guideline (now Gusto 401(k))Bold 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. Full answer text is in the free responses file. Download the record
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 | 2026-10-04 22:19 | yes | 9 | 7 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 22:25 | yes | 4 | 6 s |
| Direct recommendation | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 22:37 | yes | 20 | 26 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-10-04 22:26 | yes | 19 | 4 s |
| Direct recommendation | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-04 22:15 | yes | 15 | 10 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-10-04 22:16 | yes | 13 | 7 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-04 22:25 | yes | 20 | 30 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-04 22:30 | yes | 5 | 2 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-04 22:39 | no | 0 | 25 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 22:39 | yes | 11 | 21 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 22:16 | yes | 21 | 57 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 22:27 | yes | 18 | 34 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-10-04 22:21 | yes | 4 | 21 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 22:37 | yes | 12 | 14 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-04 22:39 | yes | 14 | 10 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 22:25 | yes | 3 | 4 s |
| Paraphrase | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 22:28 | yes | 12 | 29 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-10-04 22:25 | yes | 18 | 3 s |
| Paraphrase | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-04 22:14 | yes | 15 | 10 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-10-04 22:21 | yes | 11 | 7 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-04 22:16 | yes | 25 | 34 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-04 22:36 | yes | 5 | 2 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-04 22:16 | no | 0 | 30 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 22:13 | yes | 15 | 20 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 22:27 | yes | 14 | 21 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 22:39 | yes | 11 | 26 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-10-04 22:15 | yes | 4 | 24 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 22:39 | yes | 15 | 16 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-04 22:20 | yes | 9 | 8 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 22:16 | yes | 6 | 10 s |
| Comparative | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 22:19 | yes | 10 | 23 s |
| Comparative | Perplexity Sonar | sonar | 2026-10-04 22:35 | yes | 18 | 5 s |
| Comparative | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-04 22:23 | yes | 23 | 12 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-10-04 22:14 | yes | 11 | 13 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-04 22:26 | yes | 23 | 23 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-04 22:17 | yes | 5 | 3 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-04 22:28 | no | 0 | 30 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 22:40 | yes | 18 | 28 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 22:14 | yes | 9 | 43 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 22:20 | yes | 21 | 40 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-10-04 22:19 | yes | 8 | 28 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 22:29 | yes | 24 | 41 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-04 22:29 | yes | 9 | 7 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 22:33 | yes | 4 | 6 s |
| Budget constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 22:31 | yes | 23 | 25 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-10-04 22:17 | yes | 20 | 3 s |
| Budget constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-04 22:18 | yes | 19 | 8 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-10-04 22:14 | yes | 5 | 5 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-04 22:40 | yes | 22 | 24 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-04 22:33 | yes | 5 | 3 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-04 22:18 | yes | 7 | 40 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 22:21 | yes | 9 | 18 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 22:25 | yes | 20 | 35 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 22:18 | yes | 5 | 31 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-10-04 22:38 | yes | 4 | 16 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 22:34 | yes | 13 | 20 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-04 22:18 | no | 0 | 7 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 22:34 | no | 0 | 12 s |
| Scale constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 22:31 | yes | 15 | 30 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-10-04 22:34 | yes | 20 | 6 s |
| Scale constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-04 22:25 | yes | 12 | 8 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-10-04 22:22 | no | 0 | 8 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-04 22:37 | yes | 17 | 51 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-04 22:35 | yes | 5 | 3 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-04 22:17 | no | 0 | 31 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 22:39 | yes | 10 | 35 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 22:22 | yes | 8 | 57 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 22:16 | yes | 5 | 13 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-10-04 22:16 | yes | 6 | 25 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 22:31 | no | 0 | 4 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-04 22:36 | yes | 18 | 8 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 22:39 | yes | 5 | 7 s |
| Negative framing | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 22:20 | yes | 25 | 31 s |
| Negative framing | Perplexity Sonar | sonar | 2026-10-04 22:29 | yes | 19 | 4 s |
| Negative framing | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-04 22:36 | yes | 20 | 8 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-10-04 22:30 | yes | 8 | 5 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-04 22:21 | yes | 22 | 36 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-04 22:19 | yes | 5 | 2 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-04 22:33 | no | 0 | 32 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 22:27 | yes | 24 | 21 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 22:39 | yes | 22 | 31 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 22:21 | no | 0 | 48 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-10-04 22:35 | yes | 2 | 15 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 22:16 | yes | 23 | 24 s |
Normalization in this category
Every judgment call made between the raw labels and the numbers above, listed so it is visible and reversible.
ShowHide
Category-scoped readings
ADP read as ADP Retirement Services
ADP (Starter-k Complete) read as ADP Retirement Services
ADP Retirement read as ADP Retirement Services
Betterment read as Betterment at Work
Betterment (Betterment at Work) read as Betterment at Work
Empower read as Empower Retirement
Empower (formerly TD Ameritrade/Pearl) read as Empower Retirement
Fidelity read as Fidelity Advantage 401
Unresolved, counted raw
A SIMPLE IRA
Altria
Ameriprise
Benenson
Betterment Advisor
CGI
Citi
E*TRADE
Employee Benefit Securities (EBS** )
Envestnet (Yodlee)
Fidelity Advantage 401[k]
Liberty Mutual
Lighthouse Group
Lincoln Financial
Lincoln Financial Group
Northwestern Mutual
Paragon
Raymond James
Securian Financial
ShareBuilder
ShareBuilder 401(k)** (Capital One)
Towers Watson
VALIC
Vanguard (as 401(k) administrator)
Vestwell Holdings Inc.
eTrade
Discontinued, still offered
No shut-down product was recommended here.