Index › Compensation and total rewards › 401(k) providers › Human Interest vs ADP Retirement Services
401(k) providers · October 2026 Edition
Human Interest vs ADP Retirement Services
Seven of fourteen models named Human Interest first on the direct prompt; two named ADP Retirement Services. Human Interest was named by thirteen of the fourteen models and ADP Retirement Services by fourteen and Human Interest carries 42 labels and ADP Retirement Services 41, so the shares are not directly comparable.
Named in one category this edition.
ADP Retirement Services
accepted challengerNamed in one category this edition.
First-choice share20%16%Of first choices across the direct, paraphrase, budget and scale prompts, 0 to 100.
Negative rate7%12%Negative labels as a share of the product's labels, 0 to 100.
Rank in category#1#3A position in a field of 12; printed, not drawn.
Labels4241A count; the two differ.
The two percentage rows are drawn on one 0 to 100 track, Human Interest reading right to left. Rank and label count are printed, not drawn.Empower Retirement was named alongside these two in eight of the fourteen direct answers. Human Interest vs Guideline · Human Interest vs Fidelity Investments · Human Interest 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.
Human InterestFirst choices, of fourteen modelsADP Retirement ServicesDirect721 against Human Interest
Paraphrase152 against ADP Retirement Services
Comparative00
Budget-constrained311 against ADP Retirement Services
Scale-constrained01
Negative002 against Human Interest · 2 against ADP Retirement Services
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, Human Interest and ADP Retirement Services were named in the same answer sixty-six times, of the 105 answers naming Human Interest and the 128 naming ADP Retirement Services. In those answers ADP Retirement Services took the first choice six times and Human Interest sixteen.
Every model, every framing
The eighty-four answers behind the chart above, one cell each: where Human Interest and ADP Retirement Services stood in it.
| Model | DirectAR | ParaphraseAR | ComparativeAR | Budget-constrainedAR | Scale-constrainedAR | NegativeAR |
|---|---|---|---|---|---|---|
| Claude Haiku 4.5 | | AR | AR | |||
| GPT-5.4 mini | AR | AR | | |||
| Gemini 3.5 Flash | AR | AR | | AR | ||
| Perplexity Sonar | AR | AR | AR | | ||
| Grok 4.1 Fast | AR | AR | AR | | AR | |
| Mistral Small | AR | AR | AR | |||
| DeepSeek V4 Flash | AR | AR | | | ||
| Llama 4 Maverick | ||||||
| Qwen 3.7 Flash | AR | |||||
| Kimi K2 | AR | AR | ||||
| GLM 4.7 FlashX | AR | AR | AR | AR | AR | |
| MiniMax M2.5 | | | ||||
| GPT-6 Luna | AR | | ||||
| Muse Glimmer 30B | AR | AR |
Human InterestAR ADP Retirement Services first choice named as an alternative argued againstblank: not namedEach cell is one answer, Human Interest on the left and ADP Retirement Services on the right.The direct prompt
The plain question, one answer per model, grouped by where Human Interest and ADP Retirement Services stood in it.
Both were the first choice
1 of 14 modelsThe answer named them together, and the judge labeled each a first choice.Perplexity SonarADP Retirement Services, Human Interest alternatives: Empower Retirement, Fidelity Advantage 401, John Hancock, Securian Financial
Human Interest first, ADP Retirement Services an alternative
6 of 14 modelsADP Retirement Services was named in the answer but not as the choice, or not at all.Claude Haiku 4.5Human Interest alternatives: Fidelity Investments, Principal, Vanguard
Gemini 3.5 FlashHuman Interest alternatives: ADP Retirement Services, Fidelity Investments, Principal Financial Group
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
GLM 4.7 FlashXHuman Interest alternatives: ADP Retirement Services, Fidelity Investments, Vanguard
MiniMax M2.5Human Interest alternatives: Empower Retirement, T. Rowe Price
ADP Retirement Services first, Human Interest not the choice
1 of 14 modelsHuman Interest was named in the answer but not as the choice, or not at all.GPT-5.4 miniADP Retirement Services alternatives: Empower Retirement, Gusto, ShareBuilder 401k
Neither was the first choice, one was named
3 of 14 modelsThe answer put something else first and named one of the two as an alternative.Mistral SmallFidelity Advantage 401 alternatives: ADP Retirement Services, Empower Retirement
Kimi K2Fidelity Investments alternatives: ADP Retirement Services, Empower Retirement, T. Rowe Price, Vanguard
Muse Glimmer 30BEmpower Retirement, Fidelity Investments alternatives: ADP Retirement Services, Employee Fiduciary, Guideline, Human Interest, Nationwide, Vanguard
Neither was named
3 of 14 modelsThe answer made no first choice from these two in this category.Llama 4 Maverickno first choice
Qwen 3.7 FlashFidelity Investments, Guideline, Lighthouse Group alternatives: Charles Schwab, Vanguard
GPT-6 LunaADP 401(k) Premier alternatives: Empower Retirement, Fidelity Workplace, Principal
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
Human Interest leads by eight points.
Human Interest15%#2 of 9ADP Retirement Services8%#4 of 9
The full small business standing →Mid-marketThe figures above
Human Interest leads by four points.
Human Interest20%#1 of 12ADP Retirement Services16%#3 of 12
The full mid-market standing →Enterprise
The order flips: ADP Retirement Services leads at enterprise.
ADP Retirement Services9%#3 of 11
Human Interest7%#5 of 11What the models said about Human Interest
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Six of seven in this category shown.
“slam poor support, payroll delays/errors, and communication issues” Grok 4.1 Fast · negative prompt · hard negative
“Human Interest, Slavic401k, Guideline, and Ubiquity/Online 401(k) in various user reviews or forum posts reporting high costs, poor service” Perplexity Sonar · negative prompt · soft negative
“notable player, but it has historically been more focused on smaller businesses than true mid-market complexity” GPT-5.4 mini · direct prompt · soft negative
“Best Tech-Forward & Automated: Human Interest ... If you use Rippling, Gusto, or BambooHR and want the lowest administrative burden: Go with Human Interest.” Gemini 3.5 Flash · direct prompt · first choice
“Human Interest is recommended as the best fit for mid-market employers that want managed 401k administration with structured onboarding and conversion support.” Claude Haiku 4.5 · direct prompt · first choice
“Human Interest: Best Overall Value & Ease of Use ... go with Human Interest or Guideline” Gemini 3.5 Flash · budget prompt · first choice
What the models said about ADP Retirement Services
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Six of eight in this category shown.
“ADP's fee structures can sometimes be less transparent than modern digital-first providers ... their underlying fund options may feature slightly higher expense ratios.” Gemini 3.5 Flash · paraphrase prompt · soft negative
“Large, Bundled Payroll Providers Common Examples: *ADP Retirement Services and Paychex*... historically carry high administrative and recordkeeping costs” Gemini 3.5 Flash · negative prompt · soft negative
“Concerns about "bundled" packages that may inflate total costs and obscure fee structures.” GLM 4.7 FlashX · negative prompt · soft negative
“This is widely considered the best option for very small teams because its pricing structure is designed to minimize costs” Qwen 3.7 Flash · budget prompt · first choice
“Shortlist: ADP Enhanced (mid-sized focus), Fidelity, Vanguard, Schwab, or Human Interest/ForUsAll for tech-forward.” Grok 4.1 Fast · scale prompt · first choice
“ADP and Fidelity are often the top recommendations due to their flexibility, strong service, and tailored solutions” Mistral Small · paraphrase prompt · first choice
Also compared
Human Interest vs GuidelineHuman Interest vs Fidelity InvestmentsHuman Interest vs Fidelity Advantage 401Human Interest vs Empower RetirementHuman Interest vs VanguardHuman Interest vs PrincipalGuideline vs ADP Retirement ServicesADP Retirement Services vs Fidelity InvestmentsADP Retirement Services vs Fidelity Advantage 401ADP Retirement Services vs Empower RetirementADP Retirement Services vs VanguardADP Retirement Services vs PrincipalAll twenty-eight head-to-head pages and the full 401(k) providers standing
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.