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

Fidelity Investments vs Empower Retirement

Four of fourteen models named Fidelity Investments first on the direct prompt; one named Empower Retirement. Fidelity Investments was named by nine of the fourteen models and Empower Retirement by fourteen and Fidelity Investments carries 23 labels and Empower Retirement 38, so the shares are not directly comparable.

Fidelity Investments

accepted challenger

Named in one category this edition.

Empower Retirement

accepted challenger

Named in one category this edition.

First-choice share13%7%Of first choices across the direct, paraphrase, budget and scale prompts, 0 to 100.
Negative rate4%0%Negative labels as a share of the product's labels, 0 to 100.
Rank in category#4#6A position in a field of 12; printed, not drawn.
Labels2338A count; the two differ.
The two percentage rows are drawn on one 0 to 100 track, Fidelity Investments 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 Investments · Human Interest vs Empower Retirement · Guideline vs Fidelity Investments

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 InvestmentsFirst choices, of fourteen modelsEmpower Retirement
Direct41
Paraphrase33
Comparative30
Budget-constrained00
Scale-constrained00
Negative111 against Fidelity Investments
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 Investments and Empower Retirement were named in the same answer thirty-six times, of the 54 answers naming Fidelity Investments and the 88 naming Empower Retirement. In those answers Empower Retirement took the first choice one time and Fidelity Investments twenty-one.

Every model, every framing

The eighty-four answers behind the chart above, one cell each: where Fidelity Investments 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 Investments Empower Retirement first choice named as an alternative argued againstblank: not namedEach cell is one answer, Fidelity Investments on the left and Empower Retirement on the right.

The direct prompt

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

Both were the first choice

1 of 14 modelsThe answer named them together, and the judge labeled each a first choice.
Muse Glimmer 30BEmpower Retirement, Fidelity Investments alternatives: ADP Retirement Services, Employee Fiduciary, Guideline, Human Interest, Nationwide, Vanguard

Fidelity Investments first, Empower Retirement an alternative

3 of 14 modelsEmpower Retirement was named in the answer but not as the choice, or not at all.
DeepSeek V4 FlashFidelity Investments, Guideline, Human Interest alternatives: ADP Retirement Services, Empower Retirement, T. Rowe Price
Qwen 3.7 FlashFidelity Investments, Guideline, Lighthouse Group alternatives: Charles Schwab, Vanguard
Kimi K2Fidelity Investments alternatives: ADP Retirement Services, Empower Retirement, T. Rowe Price, Vanguard

Neither was the first choice, one was named

8 of 14 modelsThe answer put something else first and named one of the two as an alternative.
Claude Haiku 4.5Human Interest alternatives: Fidelity Investments, Principal, Vanguard
GPT-5.4 miniADP Retirement Services alternatives: Empower Retirement, Gusto, ShareBuilder 401k
Gemini 3.5 FlashHuman Interest alternatives: ADP Retirement Services, Fidelity Investments, Principal Financial Group
Perplexity SonarADP Retirement Services, Human Interest alternatives: Empower Retirement, Fidelity Advantage 401, John Hancock, Securian Financial
Mistral SmallFidelity Advantage 401 alternatives: ADP Retirement Services, Empower Retirement
GLM 4.7 FlashXHuman Interest alternatives: ADP Retirement Services, Fidelity Investments, 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

2 of 14 modelsThe answer made no first choice from these two in this category.
Grok 4.1 FastGuideline, Human Interest alternatives: ADP Retirement Services, Charles Schwab, Fidelity Advantage 401, Principal, Vanguard
Llama 4 Maverickno first choice

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 Investments leads by two points.
Fidelity Investments2%#– of 9
Empower Retirement0%#– of 9
The full small business standing →
Mid-marketThe figures above
Fidelity Investments leads by five points.
Fidelity Investments13%#4 of 12
Empower Retirement7%#6 of 12
The full mid-market standing →
Enterprise
Fidelity Investments leads by thirty points.
Fidelity Investments37%#1 of 11
Empower Retirement7%#4 of 11
The full enterprise standing →

What the models said about Fidelity Investments

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

“Fidelity Investments agreed to a multi-million dollar settlement after allegations that it charged excessive fees” Claude Haiku 4.5 · negative prompt · hard negative
“Fidelity is widely considered the leader in the 401(k) space due to its aggressive price cuts and massive selection of funds.” Qwen 3.7 Flash · comparative prompt · first choice
“Principal or Fidelity if you want comprehensive features, broad investment options, and strong institutional support” Claude Haiku 4.5 · paraphrase prompt · first choice
“Vanguard, Fidelity Investments, and Charles Schwab are renowned for offering excellent low-cost institutional index funds.” Gemini 3.5 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.