Fidelity vs ADP 401(k) Comparison
Compare Fidelity Investments (#1, 9.5/10) and ADP Retirement Services (#7, 8.1/10) side by side across fees, ratings, features, and investment options.
Overall Comparison
| Feature | Fidelity | ADP |
|---|---|---|
| Overall Score | 9.5/10 | 8.1/10 |
| Rank | #1 | #7 |
| AUM | $4.5 trillion | $130 billion |
| Participants | 43 million | 3 million |
| Plan Sponsors | 23,000+ | 90,000+ |
| Founded | 1946 | 1949 |
Ratings Comparison
| Category | Fidelity | ADP |
|---|---|---|
| Fees & Costs | 4.9/5 | 3.4/5 |
| Investment Options | 4.9/5 | 3.5/5 |
| Customer Service | 4.8/5 | 4.0/5 |
| Mobile App | 4.7/5 | 3.7/5 |
Fee Comparison
| Fee Type | Fidelity | ADP |
|---|---|---|
| Admin Fees | $0 - varies by plan | $2,000 - $5,000/year base |
| Expense Ratios | 0.00% - 0.75% | Varies by investment partner |
| Trading Fees | $0 for stocks/ETFs | Plan dependent |
| Advisory Fees | 0.35% - 1.0% | 0.35% - 0.75% |
Fidelity Strengths
- Zero expense ratio index funds (FZROX, FZILX)
- Industry-leading mobile app and online platform
- 24/7 customer service with dedicated retirement specialists
- Extensive investment options including BrokerageLink
ADP Strengths
- Seamless payroll integration
- Automatic contribution processing
- Strong compliance support
- Easy setup for ADP payroll clients
Which Should You Choose?
Choose Fidelity if you want:
- Large employers
- Cost-conscious investors
- Self-directed investors
- Solo 401(k) seekers
Choose ADP if you want:
- ADP payroll users
- Multi-state employers
- HR bundle seekers
- Compliance-focused companies
Our Verdict: Fidelity vs ADP
Fidelity Investments wins this comparison with a score of 9.5/10 vs 8.1/10. Fidelity excels with zero expense ratio index funds (fzrox, fzilx), making it the stronger choice for most investors in this matchup. However, the best choice ultimately depends on your specific needs, employer plan availability, and investment preferences.
Other Popular Comparisons
Compare these 401(k) providers head-to-head
Fidelity vs SchwabCompare these 401(k) providers head-to-head
Fidelity vs EmpowerCompare these 401(k) providers head-to-head
Fidelity vs T. Rowe PriceCompare these 401(k) providers head-to-head
Fidelity vs PrincipalCompare these 401(k) providers head-to-head
Fidelity vs MerrillCompare these 401(k) providers head-to-head
Fidelity vs ADP: Complete 401(k) Comparison for 2026
Choosing between Fidelity Investments and ADP Retirement Services for your 401(k) is an important decision that affects your retirement savings. Fidelity offers largest provider while ADP is known for payroll integration. In terms of fees, Fidelity charges 0.00% - 0.75% expense ratios compared to ADP's Varies by investment partner. Fidelity manages $4.5 trillion in assets and serves 43 million participants, while ADP has $130 billion AUM and 3 million participants.
Key Differences: Fidelity vs ADP
When comparing Fidelity and ADP, consider their core strengths: Fidelity excels with zero expense ratio index funds (fzrox, fzilx), while ADP stands out for seamless payroll integration. Both providers offer comprehensive investment options including target-date funds, index funds, and managed accounts. Fidelity's customer service rating is 4.8/5 compared to ADP's 4.0/5. For mobile experience, Fidelity scores 4.7/5 while ADP scores 3.7/5.
Which Provider is Right for You?
Choose Fidelity if you prioritize large employers. Choose ADP if you're looking for adp payroll users. Your decision should also consider your employer's plan availability, fee sensitivity, desired investment options, and customer service expectations. For detailed reviews, visit our individual Fidelity and ADP provider pages.