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401(k) providers · October 2026 Edition
ADP Retirement Services vs Fidelity Advantage 401
Two of fourteen models named ADP Retirement Services first on the direct prompt; one named Fidelity Advantage 401. ADP Retirement Services was named by fourteen of the fourteen models and Fidelity Advantage 401 by thirteen and ADP Retirement Services carries 41 labels and Fidelity Advantage 401 36, so the shares are not directly comparable.
ADP Retirement Services
accepted challengerNamed in one category this edition.
Named in one category this edition.
First-choice share16%9%Of first choices across the direct, paraphrase, budget and scale prompts, 0 to 100.
Negative rate12%0%Negative labels as a share of the product's labels, 0 to 100.
Rank in category#3#5A position in a field of 12; printed, not drawn.
Labels4136A count; the two differ.
The two percentage rows are drawn on one 0 to 100 track, ADP Retirement Services reading right to left. Rank and label count are printed, not drawn.Human Interest was named alongside these two in eight of the fourteen direct answers. Human Interest vs ADP Retirement Services · Human Interest vs Fidelity Advantage 401 · Guideline vs ADP Retirement Services
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.
ADP Retirement ServicesFirst choices, of fourteen modelsFidelity Advantage 401
Direct21
Paraphrase532 against ADP Retirement Services
Comparative02
Budget-constrained111 against ADP Retirement Services
Scale-constrained10
Negative042 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, ADP Retirement Services and Fidelity Advantage 401 were named in the same answer sixty-one times, of the 128 answers naming ADP Retirement Services and the 107 naming Fidelity Advantage 401. In those answers Fidelity Advantage 401 took the first choice ten times and ADP Retirement Services nine.
Every model, every framing
The eighty-four answers behind the chart above, one cell each: where ADP Retirement Services and Fidelity Advantage 401 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 |
AR ADP Retirement Services Fidelity Advantage 401AR first choiceAR named as an alternativeAR argued againstblank: not namedEach cell is one answer, ADP Retirement Services on the left and Fidelity Advantage 401 on the right.
Fidelity Advantage 401AR first choiceAR named as an alternativeAR argued againstblank: not namedEach cell is one answer, ADP Retirement Services on the left and Fidelity Advantage 401 on the right.The direct prompt
The plain question, one answer per model, grouped by where ADP Retirement Services and Fidelity Advantage 401 stood in it.
ADP Retirement Services first, Fidelity Advantage 401 an alternative
2 of 14 modelsFidelity Advantage 401 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
Perplexity SonarADP Retirement Services, Human Interest alternatives: Empower Retirement, Fidelity Advantage 401, John Hancock, Securian Financial
Fidelity Advantage 401 first, ADP Retirement Services an alternative
1 of 14 modelsADP Retirement Services was named in the answer but not as the choice, or not at all.Mistral SmallFidelity Advantage 401 alternatives: ADP Retirement Services, Empower Retirement
Neither was the first choice, one was named
6 of 14 modelsThe answer put something else first and named one of the two as an alternative.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
Kimi K2Fidelity Investments alternatives: ADP Retirement Services, Empower Retirement, T. Rowe Price, Vanguard
GLM 4.7 FlashXHuman Interest alternatives: ADP Retirement Services, Fidelity Investments, Vanguard
Muse Glimmer 30BEmpower Retirement, Fidelity Investments alternatives: ADP Retirement Services, Employee Fiduciary, Guideline, Human Interest, Nationwide, Vanguard
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
Llama 4 Maverickno first choice
Qwen 3.7 FlashFidelity Investments, Guideline, Lighthouse Group alternatives: Charles Schwab, Vanguard
MiniMax M2.5Human Interest alternatives: Empower Retirement, T. Rowe Price
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
Fidelity Advantage 401 leads by four points.
Fidelity Advantage 40111%#3 of 9ADP Retirement Services8%#4 of 9
The full small business standing →Mid-marketThe figures above
The order flips: ADP Retirement Services leads at mid-market.
ADP Retirement Services16%#3 of 12
Fidelity Advantage 4019%#5 of 12Enterprise
The order flips: Fidelity Advantage 401 leads at enterprise.
Fidelity Advantage 40113%#2 of 11ADP Retirement Services9%#3 of 11
The full enterprise standing →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
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
Also compared
Human Interest vs ADP Retirement ServicesHuman Interest vs Fidelity Advantage 401Guideline vs ADP Retirement ServicesGuideline vs Fidelity Advantage 401ADP Retirement Services vs Fidelity InvestmentsADP Retirement Services vs Empower RetirementADP Retirement Services vs VanguardADP Retirement Services vs PrincipalFidelity Investments vs Fidelity Advantage 401Fidelity Advantage 401 vs Empower RetirementFidelity Advantage 401 vs VanguardFidelity Advantage 401 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.