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. 53 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
43%
Clear leader
43Guideline15Human Interest11Fidelity Advantage 40130others
43% of first choices, clear leader.
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 small B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrant
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
02
03A04
05
06
07
08
09Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative60%
Key
01Guideline43%
Guideline43%02Human Interest15%
Human Interest15%03Fidelity Advantage 40111%
Fidelity Advantage 40111%04ADP Retirement Services8%
05Betterment at Work2%
Betterment at Work2%06Employee Fiduciary2%
Employee Fiduciary2%07Vanguard2%
Vanguard2%08Ubiquity0%
Ubiquity0%09Paychex0%
Paychex0%What they warned about
Five of fourteen models held their first choice under the paraphrase. GPT-5.4 mini, Perplexity Sonar, Grok 4.1 Fast, Mistral Small, 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.
ADP Retirement Services
28%
13 of 47 labels negative · 9 of 14 models · 5 hard negative
“Criticized for high fees, poor customer service, limited investment options, and frustrating rollover processes” GLM 4.7 FlashX, negative prompt
Paychex52%
11 of 21 labels negative · 9 of 14 models · 5 hard negative
“Payroll-Bundled Providers (Unless negotiated carefully) * **Examples:** Paychex, ADP * **Why to avoid/be cautious:**” Gemini 3.5 Flash, negative prompt
Vanguard19%
5 of 27 labels negative · 5 of 14 models · 2 hard negative
“Avoid for plan administration—not their core competency” Kimi K2, negative prompt
Guideline8%
4 of 52 labels negative · 4 of 14 models · 3 hard negative
“reviews (e.g., Accio Work, Reddit) cite terrible support, difficulties with transfers/rollovers, and hidden gotchas” Grok 4.1 Fast, 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
76 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. 1004 links across 145 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.
vendor site · ADP44 answers · 79 citations · 13 models
vendor site · Fidelity44 answers · 48 citations · 14 models
vendor site · Betterment42 answers · 64 citations · 13 models
37 answers · 55 citations · 12 models
34 answers · 39 citations · 11 models
32 answers · 32 citations · 9 models
23 answers · 23 citations · 11 models
vendor site · Employee Fiduciary22 answers · 42 citations · 13 models
22 answers · 24 citations · 10 models
vendor site · Human Interest21 answers · 44 citations · 9 models
21 answers · 23 citations · 9 models
21 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.
40 answers · 12 models
37 answers · 12 models
34 answers · 13 models
32 answers · 9 models
28 answers · 11 models
23 answers · 11 models
22 answers · 11 models
21 answers · 8 models
20 answers · 10 models
19 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 |
|---|---|---|---|---|---|---|---|
| Guideline guideline.com | 43% | 93 | 49,500 | 92,963 | 86,956 | 0 | |
| Human Interest humaninterest.com | 15% | 105 | 49,500 | 1,879 | 95,886 | $102 | 55 |
| Fidelity Investments fidelity.com Fidelity Advantage 401 11%, Fidelity Investments 2% | 13% | 102 | 673,000 | 10,126 | 54,604,127 | $1,174 | 84 |
| ADP parent site ADP Retirement Services 8%, ADP Starter-k Complete 4%, ADP Starter-k 0% | 11% | 128 | 2,740,000 | 23,897 | |||
| Betterment at Work betterment.com | 2% | 46 | 390 | 45,249 | 65,953 | $43 | 54 |
| Employee Fiduciary employeefiduciary.com | 2% | 26 | 5,400 | 29 | 113,753 | ||
| Vanguard vanguard.com | 2% | 113 | 1,830,000 | 78,984 | 11,906,025 | $673 | 119 |
| Vestwell vestwell.com | 2% | 14 | 33,100 | 446 | 54,262 | $69 | 47 |
| Merrill | 2% | 60,500 | 17,117 | ||||
| Gusto gusto.com | 2% | 870 | 673,000 | 10,560 | 1,629,483 | 118 |
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 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 4.5GuidelineGuidelineHeldGuideline, Human InterestGuidelineno first choicenothing named
Two alternatives
ADP Retirement Services, Human InterestFour alternatives
ADP Retirement Services, Fidelity Advantage 401, Human Interest, PaychexThree alternatives
ADP Retirement Services, Employee Fiduciary, PaychexTwo alternatives
ADP Retirement Services, Human InterestGPT-5.4 miniGuideline, Human InterestGuideline, GustoChangedFidelity Advantage 401Fidelity Advantage 401no first choicenothing named
Two alternatives
ADP Retirement Services, ShareBuilder 401kTwo alternatives
ADP Retirement Services, Human InterestThree alternatives
ADP Retirement Services, Empower Retirement, VanguardTwo alternatives
ADP Retirement Services, SIMPLE 401Gemini 3.5 FlashGuidelineagainst: ADP Retirement ServicesGuidelineHeldGuidelineGuidelineno first choiceagainst: ADP Retirement Services, Charles Schwab, Fidelity Advantage 401, Gusto, Paychex, Vanguardagainst: ADP Retirement Services, Edward Jones, Equitable, John Hancock, Paychex, Principal, Transamerica, Voya
Three alternatives
Betterment at Work, Human Interest, Ubiquity Retirement + SavingsThree alternatives
Betterment at Work, Fidelity Advantage 401, Human InterestFour alternatives
401GO, Betterment at Work, Employee Fiduciary, Human InterestThree alternatives
Employee Fiduciary, Human Interest, ShareBuilder 401kPerplexity SonarFidelity Advantage 401ADP Retirement ServicesChangedFidelity Advantage 401Employee Fiduciary, Guidelineno first choiceagainst: ADP Retirement Services, Charles Schwab, Paychex, Vanguard
Two alternatives
ADP Retirement Services, GuidelineThree alternatives
Ascensus, Fidelity Advantage 401, MerrillFour alternatives
Betterment at Work, Empower Retirement, Gusto, VanguardTwo alternatives
ADP Retirement Services, Fidelity Advantage 401Grok 4.1 FastGuideline, Human InterestGuidelineChangedGuidelineagainst: ADP Retirement Services, PaychexADP's Starter-k CompleteForUsAll, Guidelineagainst: ADP Retirement Services, American Funds, Edward Jones, Guideline, Paychex
Four alternatives
ADP Starter-k, Fidelity Advantage 401, ForUsAll, VanguardThree alternatives
ADP Retirement Services, Fidelity Advantage 401, Human InterestThree alternatives
Fidelity Advantage 401, Human Interest, VanguardFive alternatives
Fidelity Advantage 401, ForUsAll, Human Interest, Merrill Edge, VanguardOne alternative
ADP Retirement ServicesMistral SmallADP Retirement Services, Fidelity Advantage 401no first choiceChangedGuidelineADP Starter-k Complete, Fidelity Advantage 401against: Merrill Small Business 401no first choiceagainst: ADP Retirement Services, Guideline, Paychex
One alternative
PaychexEight alternatives
ADP Retirement Services, Betterment at Work, Fidelity Advantage 401, Human Interest, John Hancock, Paychex, Vanguard, VestwellOne alternative
UbiquityDeepSeek V4 FlashGuidelineGuidelineHeldGuidelineGuidelineno first choiceagainst: ADP Retirement Services, Ascensus, ForUsAll, Paychex, Vanguard
Two alternatives
Employee Fiduciary, Human InterestThree alternatives
ADP Retirement Services, Fidelity Advantage 401, Human InterestSeven alternatives
ADP Retirement Services, Betterment at Work, Employee Fiduciary, Fidelity Advantage 401, Human Interest, Paychex, VanguardThree alternatives
ADP Starter-k Complete, Employee Fiduciary, Human InterestLlama 4 Maverickno first choiceno first choiceHeldno first choiceno first choiceno first choicenothing named
Qwen 3.7 FlashGuidelineGuidelineHeldGuidelineFidelity Investments, Guidelineno first choiceagainst: ADP Retirement Services, Paychex, Vanguard for Small Groups
Three alternatives
Fidelity Advantage 401, Human Interest, SchwabFour alternatives
ADP Retirement Services, Fidelity Advantage 401, Gusto, PaychexThree alternatives
Fidelity Advantage 401, Human Interest, Vanguard Personal Advisor Services / Small Business PlansOne alternative
VanguardKimi K2GuidelineHuman InterestChangedGuidelineGuidelineno first choiceagainst: ADP Retirement Services, AXA, John Hancock, MetLife, Nationwide, Paychex, Principal, Vanguard, Voya
Three alternatives
Betterment at Work, Fidelity Advantage 401, Human InterestThree alternatives
ADP Retirement Services, Betterment at Work, UbiquityFour alternatives
Betterment at Work, Fidelity Advantage 401, Human Interest, VanguardThree alternatives
401GO, Human Interest, VanguardGLM 4.7 FlashXGuideline, Human InterestGuidelineChangedGuideline, Human InterestHuman Interestagainst: ADP Retirement Services, Fidelity Advantage 401no first choiceagainst: ADP Retirement Services, Federated Hermes, MassMutual, Paychex, Principal Financial Group
Four alternatives
ADP Retirement Services, Betterment at Work, Fidelity Advantage 401, VanguardThree alternatives
ADP Retirement Services, Fidelity Advantage 401, SchwabThree alternatives
ADP Retirement Services, Betterment at Work, Fidelity InvestmentsTwo alternatives
Employee Fiduciary, UbiquityMiniMax M2.5Fidelity Advantage 401, MerrillADP Retirement Services, Fidelity Advantage 401, VanguardChangedno first choiceADP Starter 401(k) Completeagainst: Vanguardno first choicenothing named
One alternative
ADP Retirement ServicesTwo alternatives
Merrill, PrincipalThree alternatives
401GO GO-Starter, Guideline, Human InterestGPT-6 LunaBetterment at WorkHuman InterestChangedno first choiceagainst: GuidelineHuman Interest, Vestwellagainst: Fidelity Advantage 401no first choicenothing named
One alternative
Human Interest CompleteTwo alternatives
Fidelity Advantage 401, Gusto 401(k), poweredFive alternatives
ADP Retirement Services, Betterment at Work, Employee Fiduciary, Human Interest, VestwellMuse Glimmer 30BGuideline, Human InterestADP Retirement ServicesChangedGuideline, Human InterestADP Starter-k Completeno first choiceagainst: ADP Retirement Services, Charles Schwab, ForUsAll, Guideline, John Hancock, Paychex
Two alternatives
Fidelity Investments, VanguardOne alternative
Fidelity Advantage 401Three alternatives
Employee Fiduciary, Fidelity Advantage 401k, GustoFour alternatives
Fidelity Advantage 401(k)SM, Guideline, Human Interest, UbiquityBold 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 22:38 | yes | 9 | 7 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 22:21 | yes | 4 | 5 s |
| Direct recommendation | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 22:38 | yes | 11 | 24 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-10-04 22:22 | yes | 20 | 4 s |
| Direct recommendation | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-04 22:29 | yes | 17 | 10 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-10-04 22:39 | yes | 9 | 9 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-04 22:26 | yes | 21 | 25 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-04 22:23 | yes | 5 | 2 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-04 22:33 | yes | 13 | 28 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 22:26 | yes | 13 | 23 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 22:30 | yes | 10 | 56 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 22:33 | yes | 5 | 12 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-10-04 22:25 | yes | 3 | 19 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 22:16 | yes | 9 | 14 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-04 22:27 | yes | 18 | 8 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 22:20 | yes | 3 | 4 s |
| Paraphrase | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 22:21 | yes | 16 | 30 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-10-04 22:23 | yes | 19 | 3 s |
| Paraphrase | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-04 22:24 | yes | 20 | 10 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-10-04 22:26 | no | 0 | 3 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-04 22:17 | yes | 19 | 32 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-04 22:27 | yes | 5 | 3 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-04 22:14 | yes | 17 | 39 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 22:17 | yes | 15 | 20 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 22:29 | yes | 18 | 29 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 22:36 | yes | 12 | 85 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-10-04 22:36 | yes | 4 | 15 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 22:39 | yes | 15 | 21 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-04 22:39 | yes | 9 | 8 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 22:32 | yes | 5 | 10 s |
| Comparative | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 22:24 | yes | 17 | 30 s |
| Comparative | Perplexity Sonar | sonar | 2026-10-04 22:32 | yes | 19 | 6 s |
| Comparative | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-04 22:29 | yes | 17 | 13 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-10-04 22:39 | yes | 9 | 8 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-04 22:34 | yes | 23 | 53 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-04 22:26 | yes | 5 | 2 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-04 22:29 | yes | 9 | 26 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 22:21 | yes | 17 | 27 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 22:15 | yes | 22 | 125 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 22:26 | yes | 13 | 24 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-10-04 22:39 | yes | 6 | 25 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 22:38 | yes | 24 | 36 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-04 22:30 | yes | 9 | 7 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 22:25 | yes | 6 | 7 s |
| Budget constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 22:23 | yes | 20 | 27 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-10-04 22:31 | yes | 20 | 5 s |
| Budget constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-04 22:15 | yes | 20 | 10 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-10-04 22:19 | yes | 7 | 7 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-04 22:30 | yes | 20 | 27 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-04 22:25 | yes | 5 | 2 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-04 22:32 | yes | 5 | 21 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 22:38 | yes | 14 | 18 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 22:21 | yes | 23 | 67 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 22:35 | yes | 20 | 32 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-10-04 22:29 | yes | 3 | 22 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 22:19 | yes | 10 | 20 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-04 22:28 | no | 0 | 9 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 22:35 | no | 0 | 10 s |
| Scale constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 22:36 | yes | 4 | 21 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-10-04 22:31 | yes | 20 | 7 s |
| Scale constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-04 22:36 | yes | 13 | 10 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-10-04 22:34 | no | 0 | 10 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-04 22:34 | yes | 18 | 44 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-04 22:21 | yes | 5 | 2 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-04 22:20 | no | 0 | 22 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 22:31 | yes | 19 | 62 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 22:40 | yes | 10 | 34 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 22:32 | no | 0 | 47 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-10-04 22:17 | yes | 6 | 23 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 22:39 | no | 0 | 5 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-04 22:13 | yes | 18 | 8 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 22:36 | yes | 5 | 6 s |
| Negative framing | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 22:31 | yes | 19 | 23 s |
| Negative framing | Perplexity Sonar | sonar | 2026-10-04 22:32 | yes | 18 | 4 s |
| Negative framing | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-04 22:24 | yes | 23 | 14 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-10-04 22:38 | yes | 13 | 9 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-04 22:29 | yes | 23 | 27 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-04 22:33 | yes | 5 | 2 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-04 22:21 | yes | 5 | 43 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 22:20 | yes | 23 | 28 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 22:37 | yes | 25 | 23 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 22:27 | no | 0 | 48 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-10-04 22:33 | yes | 2 | 17 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 22:22 | yes | 23 | 28 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 Retirement read as ADP Retirement Services
Betterment read as Betterment at Work
Empower read as Empower Retirement
Fidelity read as Fidelity Advantage 401
Fidelity (Advantage 401k & Self-Employed) read as Fidelity Advantage 401
Unresolved, counted raw
401GO GO-Starter
ADP 401k Essential
ADP Starter 401(k) Complete
ADP's Starter-k Complete
AXA
Accrue 401k
Duncan Insurance
Fidelity Advantage 401(k)SM
Fidelity Advantage 401k
Fidelity Workplace Investing
Human Interest Complete
Merrill Edge
Merrill Small Business 401(k)
My Ubiquity
MyUbiquity
SIMPLE 401(k)
SpotSaaS
Vanguard (Small Business 401(k) plans)
Vanguard Personal Advisor Services / Small Business Plans
Vanguard for Small Groups
Discontinued, still offered
No shut-down product was recommended here.