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Index › Compensation and total rewards › 401(k) providers › Fidelity Advantage 401 vs Empower Retirement
401(k) providers · October 2026 Edition

Fidelity Advantage 401 vs Empower Retirement

One of fourteen models named Fidelity Advantage 401 first on the direct prompt; one named Empower Retirement. Fidelity Advantage 401 was named by thirteen of the fourteen models and Empower Retirement by fourteen and Fidelity Advantage 401 carries 36 labels and Empower Retirement 38, so the shares are not directly comparable.

Fidelity Advantage 401

accepted challenger

Named in one category this edition.

Empower Retirement

accepted challenger

Named in one category this edition.

First-choice share9%7%Of first choices across the direct, paraphrase, budget and scale prompts, 0 to 100.
Negative rate0%0%Negative labels as a share of the product's labels, 0 to 100.
Rank in category#5#6A position in a field of 12; printed, not drawn.
Labels3638A count; the two differ.
The two percentage rows are drawn on one 0 to 100 track, Fidelity Advantage 401 reading right to left. Rank and label count are printed, not drawn.ADP Retirement Services was named alongside these two in nine of the fourteen direct answers. Human Interest vs Fidelity Advantage 401 · Human Interest vs Empower Retirement · Guideline vs Fidelity Advantage 401

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; rank is within the category; every quote names the model and the prompt it came from. Both figures come from the 401(k) providers page.

By framing

How many of the fourteen models made each the first choice, per way of asking, and how many argued against it.
Fidelity Advantage 401First choices, of fourteen modelsEmpower Retirement
Direct11
Paraphrase33
Comparative20
Budget-constrained10
Scale-constrained00
Negative41
Bars are first choices, 0 to 14 each sideModels that argued againstA model can name both, so the two sides of a row do not sum to fourteen.

Across every category in the October 2026 Edition, Fidelity Advantage 401 and Empower Retirement were named in the same answer forty times, of the 107 answers naming Fidelity Advantage 401 and the 88 naming Empower Retirement. In those answers Empower Retirement took the first choice two times and Fidelity Advantage 401 twelve.

Every model, every framing

The eighty-four answers behind the chart above, one cell each: where Fidelity Advantage 401 and Empower Retirement stood in it.
ModelDirectParaphraseComparativeBudget-constrainedScale-constrainedNegative
Claude Haiku 4.5
GPT-5.4 mini
Gemini 3.5 Flash
Perplexity Sonar
Grok 4.1 Fast
Mistral Small
DeepSeek V4 Flash
Llama 4 Maverick
Qwen 3.7 Flash
Kimi K2
GLM 4.7 FlashX
MiniMax M2.5
GPT-6 Luna
Muse Glimmer 30B
Fidelity Advantage 401 Empower Retirement first choice named as an alternative argued againstblank: not namedEach cell is one answer, Fidelity Advantage 401 on the left and Empower Retirement on the right.

The direct prompt

The plain question, one answer per model, grouped by where Fidelity Advantage 401 and Empower Retirement stood in it.

Fidelity Advantage 401 first, Empower Retirement an alternative

1 of 14 modelsEmpower Retirement was named in the answer but not as the choice, or not at all.
Mistral SmallFidelity Advantage 401 alternatives: ADP Retirement Services, Empower Retirement

Empower Retirement first, Fidelity Advantage 401 not the choice

1 of 14 modelsFidelity Advantage 401 was named in the answer but not as the choice, or not at all.
Muse Glimmer 30BEmpower Retirement, Fidelity Investments alternatives: ADP Retirement Services, Employee Fiduciary, Guideline, Human Interest, Nationwide, Vanguard

Neither was the first choice, one was named

7 of 14 modelsThe answer put something else first and named one of the two as an alternative.
GPT-5.4 miniADP Retirement Services alternatives: Empower Retirement, Gusto, ShareBuilder 401k
Perplexity SonarADP Retirement Services, Human Interest alternatives: Empower Retirement, Fidelity Advantage 401, John Hancock, Securian Financial
Grok 4.1 FastGuideline, Human Interest alternatives: ADP Retirement Services, Charles Schwab, Fidelity Advantage 401, Principal, Vanguard
DeepSeek V4 FlashFidelity Investments, Guideline, Human Interest alternatives: ADP Retirement Services, Empower Retirement, T. Rowe Price
Kimi K2Fidelity Investments alternatives: ADP Retirement Services, Empower Retirement, T. Rowe Price, Vanguard
MiniMax M2.5Human Interest alternatives: Empower Retirement, T. Rowe Price
GPT-6 LunaADP 401(k) Premier alternatives: Empower Retirement, Fidelity Workplace, Principal

Neither was named

5 of 14 modelsThe answer made no first choice from these two in this category.
Claude Haiku 4.5Human Interest alternatives: Fidelity Investments, Principal, Vanguard
Gemini 3.5 FlashHuman Interest alternatives: ADP Retirement Services, Fidelity Investments, Principal Financial Group
Llama 4 Maverickno first choice
Qwen 3.7 FlashFidelity Investments, Guideline, Lighthouse Group alternatives: Charles Schwab, Vanguard
GLM 4.7 FlashXHuman Interest alternatives: ADP Retirement Services, Fidelity Investments, Vanguard

Bold names in an answer are the products the judge labeled a first choice; a model naming several gives each of them that label. The full answer text for every row is in the record.

By buyer segment

The same question asked on behalf of a different buyer. Each standing is computed within its segment and they are never added together. The figures above are the mid-market standing, which is the one the category orders by.
Small business
Fidelity Advantage 401 leads by eleven points.
Fidelity Advantage 40111%#3 of 9
Empower Retirement0%#– of 9
The full small business standing →
Mid-marketThe figures above
Fidelity Advantage 401 leads by two points.
Fidelity Advantage 4019%#5 of 12
Empower Retirement7%#6 of 12
The full mid-market standing →
Enterprise
Fidelity Advantage 401 leads by seven points.
Fidelity Advantage 40113%#2 of 11
Empower Retirement7%#4 of 11
The full enterprise standing →

What the models said about Fidelity Advantage 401

Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Three of four in this category shown.

“Fidelity – Highly rated for its broad investment lineup, transparent fees, strong digital tools, and education resources. It's a top choice” Mistral Small · direct prompt · first choice
“1. Fidelity Investments - Best for: Large and mid-sized companies; top-rated mobile app, zero-fee index funds (e.g., FZROX).” Grok 4.1 Fast · comparative prompt · first choice
“If it is Fidelity, Vanguard, Schwab, or Empower, you are in safe territory regarding platform security and customer service.” Qwen 3.7 Flash · negative prompt · first choice

What the models said about Empower Retirement

Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Three of four in this category shown.

“Mid-market B2B firms typically land on Fidelity or Empower for service/flexibility” Muse Glimmer 30B · direct prompt · first choice
“Empower Retirement - best for flexibility and negotiated pricing for mid-market” Muse Glimmer 30B · paraphrase prompt · first choice
“If it is Fidelity, Vanguard, Schwab, or Empower, you are in safe territory” Qwen 3.7 Flash · negative prompt · first choice
Also compared

Comparisons are drawn for the top eight products in each category, each against each. The output is the models' output; nothing here is a recommendation by the index.