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

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

| | First-choice share | Rank | Negative rate | Labels | Models naming it |
|---|---|---|---|---|---|
| Fidelity Investments | 13% | #4 of 12 | 4% | 23 | 9 of 14 |
| Empower Retirement | 7% | #6 of 12 | 0% | 38 | 14 of 14 |

## The direct prompt, model by model

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

## What the models said about Fidelity Investments

- "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

- "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.