AI Adoption Redefines Retirement Experience Rankings as Fidelity and TIAA Stay on Top
New 2025 Corporate Insight Experience Benchmark shows AI investments fueling mid-tier gains, with Empower and Transamerica closing in on digital leaders
《2025年企業洞察體驗基準》顯示，人工智能投資推動了中端市場的增長，Empower和Transamerica正在迎頭趕上數字領域的領導者。
NEW YORK, Dec. 11, 2025 /PRNewswire/ -- The retirement plan industry continues to demonstrate measured digital progress, with Fidelity and TIAA maintaining their leadership positions and some mid-tier providers making significant gains, according to Corporate Insight's 2025 DC Plan Participant Website Experience Benchmark. The report's third edition reveals that strategic investments in AI-powered support, enhanced planning tools, and improved security features are helping providers differentiate their digital experiences.
紐約，2025年12月11日/PRNewswire/-- 退休計劃行業繼續展現出有節制的數字化進展，Fidelity和TIAA保持其領導地位，一些中端供應商取得了顯著進步，根據Corporate Insight發佈的《2025年DC計劃參與者網站體驗基準》第三版報告。報告指出，戰略性的AI支持、增強規劃工具和改進的安全功能投資正在幫助供應商實現數字體驗的差異化。
"AI implementation is paying real dividends for early adopters," says Kara Sostar, retirement research manager at CI. "Providers that invested in AI-powered features across search, virtual assistance, and personalized content delivery in 2024 are seeing measurable score improvements this year. Firms making strategic investments in the right digital areas can quickly create meaningful competitive advantages."
Kara Sostar，CI退休研究經理表示：「人工智能的實施正在爲早期使用者帶來真正的紅利」。 「那些在2024年投資於跨搜索、虛擬助理和個性化內容交付等AI功能的提供商今年都看到了可衡量的評分提升。在正確的數字化領域進行戰略性投資的企業可以迅速創造有意義的競爭優勢。」
Fidelity retained its first-place position with a score of 86 out of 100 (up two points, its third consecutive win), demonstrating a commitment to staying ahead. TIAA secured second place with a score of 85, posting an impressive gain of three points year-over-year and earning top three finishes in all six categories.
Fidelity以86分（滿分100分）的成績保持了第一的位置（上升兩分，連續第三次獲勝），展示了其領先的決心。 TIAA以85分位居第二，與去年相比實現了令人印象深刻的三分增長，並在所有六個類別中均進入了前三名。
The benchmark shows industrywide progress, with the average score rising from 68 to 70 points.
基準測試顯示全行業取得進展，平均得分從68分上升到70分。
Top Performers Make Strategic Gains
Following Fidelity and TIAA, Empower and T. Rowe Price tied for third place, both scoring 79 points. T. Rowe Price climbed one spot from last year with a four-point increase, powered by a comprehensive Contribution Details page and expanded SmartVideo offerings for personalized guidance.
領先者取得戰略性收益
繼Fidelity和TIAA之後，Empower和T. Rowe Price並列第三，均爲79分。 T. Rowe Price從去年上升一個位置，得分爲四分增長，得益於綜合的貢獻明細頁面以及擴展的SmartVideo提供個性化指導服務。
Transamerica gained significant ground in a crowded midfield as the year's biggest mover, posting a five-point score increase and climbing three positions to eighth place (tied). The firm's gains came from a refreshed dashboard design, modernized education center, and updated branding throughout the site.
Transamerica在競爭激烈的中游市場中取得了顯著進展，成爲本年度的最大贏家，得分提高了五分，並攀升了三個位置至第八名（並列）。 該公司的進步來自重新設計的儀表板、現代化的教育中心和整個站點的品牌更新。
AI Implementation Drives Measurable Results
The benchmark identified AI-powered capabilities as a key differentiator. Fidelity's Financial Wellness dashboard delivers timely, relevant content to meet participant needs. TIAA's unique FAQ-style search results and Alight's LumenAI summaries help participants cut through conventional keyword search limitations.
人工智能實施推動可量化成果
基準測試確定了人工智能驅動的功能是關鍵的差異化因素。Fidelity的財務健康儀表板提供及時、相關的內容，以滿足參與者的需要。TIAA獨特的FAQ風格搜索結果和Alight的LumenAI總結幫助參與者突破傳統關鍵詞搜索的限制。
"We also saw 14 firms improve their scores in the Support category," adds Sostar. "Virtual assistants continue as an area to watch, with AI implementation and expanded help content setting a new standard."
「我們還看到有14家公司在支持類別中提高了分數，」Sostar補充道。「虛擬助手仍然是值得關注的領域，人工智能的實施和擴展的幫助內容正在設立新的標準。」
Account Information and Profile & Settings Categories See Most Improvement
Account Information remains a clear industry strength with a four-point average increase and 10 firms showing positive momentum year-over-year. This category remains the most important to participants, with 89% of survey respondents rating account balance information as "very" or "extremely" important.
帳戶信息和個人資料與設置類別的改進最爲顯著
帳戶信息仍然是一個明確的行業優勢，平均得分增加了四分，並且有10家公司顯示出逐年正向的發展勢頭。此類別對參與者來說仍然是最重要的，89%的調查受訪者認爲帳戶餘額信息「非常重要」或「極其重要」。
Profile & Settings saw significant activity, with 13 firms improving their scores. Enhanced authentication options and login security features drove these changes, with TIAA and Vanguard introducing passwordless login capabilities and Fidelity releasing a Security Center with metrics and a security checklist.
個人資料與設置類目活動頻繁，評分提升的公司達到13家。增強的身份驗證選項和登錄安全功能推動了這些變化，其中TIAA和Vanguard推出了無密碼登錄功能，而Fidelity發佈了一個包含指標和安全檢查清單的安全中心。
Methodology
Corporate Insight's DC Plan Participant Website Experience Benchmark evaluates retirement provider websites using a comprehensive three-tiered framework of six categories, 28 subcategories, and over 115 attributes covering digital functionality, design, navigation, and usability. Digital platforms receive a score on a scale of 1–100, overall and for each category. Importance weightings are derived from CI's consumer survey of DC plan participants.
方法論
Corporate Insight的DC計劃參與者網站體驗基準使用涵蓋數字功能、設計、導航和可用性的六類、28個子類和超過115個屬性的綜合三級框架評估退休提供商的網站。數字平台在整體和每個類別上都會獲得1-100分的評分。重要性權重來源於CI對DC計劃參與者的消費者調查。
Organizations included in the 2025 DC Plan Participant Website Experience Benchmark: Alight, American Funds PlanPremier, American Funds RecordkeeperDirect, Charles Schwab, Corebridge Financial, Empower, Equitable, Fidelity, Lincoln Financial, Merrill, Nationwide, Principal, T. Rowe Price, TIAA, Transamerica, TruStage, Vanguard, and Voya Financial.
列入2025年DC計劃參與者網站體驗基準的組織包括：Alight、American Funds PlanPremier、American Funds RecordkeeperDirect、嘉信理財、Corebridge Financial、Empower、Equitable、Fidelity、Lincoln Financial、Merrill、Nationwide、Principal、T. Rowe Price、TIAA、Transamerica、TruStage、Vanguard和Voya Financial。
Purchase the full 2025 rankings and in-depth analysis shaping retirement digital strategy at Corporate Insight. Media seeking detailed rankings, key findings, and analyst perspectives, contact our press team to learn more.
購買完整的2025年排名和深入分析，塑造退休數字戰略，請訪問Corporate Insight。媒體如需詳細排名、關鍵發現和分析師觀點，請聯繫我們的新聞團隊了解更多信息。
About Corporate Insight
Corporate Insight (CI) delivers competitive intelligence, user experience research and consulting services to the nation's leading financial services, insurance and healthcare organizations. As the recognized industry leader in customer experience research for over 30 years, our best-in-class research platform and unique approach of analyzing the actual customer experience help organizations advance their competitive position in the marketplace.
關於Corporate Insight
Corporate Insight（CI）爲美國領先的金融服務、保險和醫療保健組織提供競爭情報、用戶體驗研究和諮詢服務。作爲擁有30多年曆史的客戶體驗研究領域的公認行業領導者，我們一流的研宄平台和分析實際客戶體驗的獨特方法，幫助組織提升其在市場中的競爭地位。
For media inquiries, research samples, or to schedule an analyst interview:
Andrew Way
646-751-6975
[email protected]
如需媒體諮詢、研究樣本或安排分析師訪談，請聯繫：
Andrew Way
646-751-6975
[email protected]
SOURCE Corporate Insight
來源：Corporate Insight
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