# Fidelity Advantage 401 vs Empower Retirement: which do AI models recommend for 401(k) providers, October 2026

HR AI Recommendation Index, October 2026 Edition, 401(k) providers. One of fourteen models named Fidelity Advantage 401 first on the direct prompt; one named Empower Retirement. Page: https://hr-ai-index.com/rewards/401k-providers/fidelity-advantage-401-vs-empower-retirement/

| | First-choice share | Rank | Negative rate | Labels | Models naming it |
|---|---|---|---|---|---|
| Fidelity Advantage 401 | 9% | #5 of 12 | 0% | 36 | 13 of 14 |
| Empower Retirement | 7% | #6 of 12 | 0% | 38 | 14 of 14 |

## The direct prompt, model by model

- Mistral Small: fidelity advantage 401 first (first choices: Fidelity Advantage 401) (alternatives: ADP Retirement Services, Empower Retirement)
- Muse Glimmer 30B: empower retirement first (first choices: Empower Retirement, Fidelity Investments) (alternatives: ADP Retirement Services, Employee Fiduciary, Guideline, Human Interest, Nationwide, Vanguard)
- GPT-5.4 mini: neither first, one named (first choices: ADP Retirement Services) (alternatives: Empower Retirement, Gusto, ShareBuilder 401k)
- Perplexity Sonar: neither first, one named (first choices: ADP Retirement Services, Human Interest) (alternatives: Empower Retirement, Fidelity Advantage 401, John Hancock, Securian Financial)
- Grok 4.1 Fast: neither first, one named (first choices: Guideline, Human Interest) (alternatives: ADP Retirement Services, Charles Schwab, Fidelity Advantage 401, Principal, Vanguard)
- DeepSeek V4 Flash: neither first, one named (first choices: Fidelity Investments, Guideline, Human Interest) (alternatives: ADP Retirement Services, Empower Retirement, T. Rowe Price)
- Kimi K2: neither first, one named (first choices: Fidelity Investments) (alternatives: ADP Retirement Services, Empower Retirement, T. Rowe Price, Vanguard)
- MiniMax M2.5: neither first, one named (first choices: Human Interest) (alternatives: Empower Retirement, T. Rowe Price)
- GPT-6 Luna: neither first, one named (first choices: ADP 401(k) Premier) (alternatives: Empower Retirement, Fidelity Workplace, Principal)
- Claude Haiku 4.5: neither named (first choices: Human Interest) (alternatives: Fidelity Investments, Principal, Vanguard)
- Gemini 3.5 Flash: neither named (first choices: Human Interest) (alternatives: ADP Retirement Services, Fidelity Investments, Principal Financial Group)
- Llama 4 Maverick: neither named
- Qwen 3.7 Flash: neither named (first choices: Fidelity Investments, Guideline, Lighthouse Group) (alternatives: Charles Schwab, Vanguard)
- GLM 4.7 FlashX: neither named (first choices: Human Interest) (alternatives: ADP Retirement Services, Fidelity Investments, Vanguard)

## What the models said about Fidelity Advantage 401

- "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

- "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)

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. Comparisons are drawn for the top eight products in each category. Published under CC BY 4.0; the output is the models' output, and nothing here is a recommendation by the index.