Of 60 answers

The most named companies in the study, and S&P 500 financials, with how many of their 60 AI answers named them.

Back to the study
AI visibility statementFinance AI Visibility Study 2026Issued October 14, 2026
Account holder
Statement period
September 23, 2026
when the AI assistants were asked
Account no.
796 of 2,219
its rank by overall score
Closing balance

Named in

2of 60 answers

by 2 of 4 assistants

Statement note

What this means for TIAA

AI assistants rarely name TIAA in their answers, naming the retirement provider in 2 of 60, with Vanguard also mentioned. Its overall score is 32 out of 100, which ranks 796th of 2,219 in the study. TIAA's website passes 3 out of 14 technical checks for readiness with AI tools.

We asked 15 unbranded questions about its market, so no question mentioned TIAA by name. AI assistants named it in 2 of the 60 answers. Counting only how often it is named, it ranks 82nd of 238 in its sector. The typical investing and wealth company is named in 0.8% of answers.

Named fewer than three times in total. Read this as a sign that AI assistants rarely bring this company up, not as an exact comparison with its peers.

Overall score
32Overall score
  • Visibility8
  • Citations3
  • Sentiment75
  • Site quality73
  • AI readiness21
Summary of account
Named by AI in
3.3%
2 of 60 answers
Share of mentions
25.0%
of the mentions of it and its 5 peers
AI readiness
3/14
technical checks passed. Typical for its sector: 4
Rank in its sector
83 of 238
by overall score, where the typical investing and wealth company scores 28

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Line itemsSection 01

Every question, and where the company came up

TIAA came up on 1 of 15 questions. Open any window to read that answer.

  1. 01What are typical fees associated with retirement plan management for nonprofit employees?0/4
  2. 02Are personalized retirement income solutions a good idea for teachers?0/4
  3. 03What are alternatives to employer-sponsored retirement plans for healthcare professionals?0/4
  4. 04How do administrative costs vary between different workplace savings plans?0/4
  5. 05What investment strategies are recommended for educators with less than 10 years to retirement?0/4
  6. 06What types of financial planning services are suitable for educators preparing for retirement?0/4
  7. 07What retirement savings tools are most popular among employees at US nonprofits?0/4
  8. 08Is it worth investing in a fixed annuity for a nonprofit employee's retirement?2/4
  9. 09How can I resolve issues with beneficiary updates on my retirement plan?0/4
  10. 10What should I do if I'm having trouble accessing my online retirement account?0/4
  11. 11How can hospital employees maximize their employer-sponsored retirement benefits?0/4
  12. 12What other financial planning options exist for educators besides traditional pensions?0/4
  13. 13How do 403(b) plans compare to 401(k) plans for healthcare workers?0/4
  14. 14What are the differences between annuities and mutual funds for long-term retirement savings?0/4
  15. 15What are the best retirement plan options for nonprofit employees in the US?0/4
Total namedOpenAI: 1/15Claude: 0/15Perplexity: 1/15Gemini: 0/15All assistants: 2/60
named the companyanswered without naming itdid not answer

Columns, left to right: OpenAI, Claude, Perplexity, Gemini. Across the study, on 50% of the questions where a company is named, only one AI assistant names it.

Transaction detailSection 02

What Perplexity actually said

An answer that names the company

Perplexitynamed the company

“Is it worth investing in a fixed annuity for a nonprofit employee's retirement?”

… For nonprofit employees, this is often especially relevant because many have access to TIAA-style retirement products designed for educators, healthcare workers, and nonprofit professionals, including TIAA Traditional, a fixed annuity with a guaranteed minimum interest rate and potential additional credited interest.

The main trade-offs are:

Pros: guaranteed minimum returns, principal protection, tax-deferred accumulation, and a pension-like income stream in retirement.

Cons: limited liquidity, possible surrender/withdrawal restrictions, no FDIC …

The AI’s answer as we received it, shortened and not checked for accuracy.

PayeesSection 03

Where the mentions went

The companies these answers named, and how the mentions were split between this company and its peers.

Also named

CompanyTimes named
  1. 01
    Vanguard
    2

Share of mentions

CompanyShare
  1. Fidelity Investments
    37.5%
  2. Vanguard
    37.5%
  3. TIAA
    25.0%
  4. Voya Financial
    0.0%
  5. AIG Retirement Services
    0.0%
  6. T. Rowe Price
    0.0%
ReferrersSection 04

Websites the AI used as sources

How many times each website was listed as a source in these answers

  1. 01
    neamb.com
    22
  2. 02
    irs.gov
    18
  3. 03
    dol.gov
    17
  4. 04
    tiaa.org (its own website)
    14
  5. 05
    farther.com
    14
  6. 06
    smartasset.com
    12
  7. 07
    schwab.com
    12
  8. 08
    adp.com
    12
  9. 09
    equitable.com
    10
  10. 10
    fidelity.com
    10

TIAA is in the study as a retirement or benefits provider.

By assistantSection 05

Which AI assistants named the company

Answers naming it, out of answers received

Perplexity
1/15
OpenAI
1/15
Gemini
0/15
Claude
0/15
Market comparisonSection 06

How TIAA compares with all 2,219 companies

Every tower is a company in the study, taller for a higher overall score and lit where AI assistants named it. Its own group stays lit. Hover a tower to see it, and click to open it.

What makes up the score

Each part is scored out of 100.

Visibility
8

How often AI assistants name the company, and how that compares with its peers

Citations
3

How often AI uses the company's own website as a source

Sentiment
75

How positively AI describes the company

Site quality
73

How well built the website's own pages are

AI readiness
21

How easily AI tools can read and use the website

Visibility is calculated from the answers on this page. How the score is built.

Against its sectorSection 07

Compared with investing and wealth companies

238 companies in this sector. The gold tick on each bar is the typical company.

Overall score
32
Ranks 83 of 238. Typical company: 28
Named in answers
3.3%
Ranks 82 of 238. Typical company: 0.8%
AI readiness
21
Ranks 140 of 238. Typical company: 29
Against its categorySection 08

Compared with retirement and benefits providers

10 companies in this category. The gold tick on each bar is the typical company.

Overall score
32
Ranks 5 of 10. Typical company: 31
Named in answers
3.3%
Ranks 4 of 10. Typical company: 1.7%
AI readiness
21
Ranks 5 of 10. Typical company: 21
AI agentsSection 09

Ready for AI agents

What this website publishes for an AI agent to read, use and pay through, on a scale of six levels.

  1. 0
  2. 1
  3. 2
  4. 3
  5. 4
  6. 5

Level 1: Basic web presence. Two of robots.txt, a sitemap and Link headers are in place.

To reach level 2:
  • Content Signals
Can an AI agent check out here?

Not by itself. TIAA publishes none of the agent payment protocols we look for. An agent would have to click through the website like a person.

Agent payment protocols
  • x402Not present
  • MPPNot present
  • AP2Not present
  • ACPNot present
  • UCPNot present
Interfaces for AI agents
  • MCP Server CardNot present
  • A2A Agent CardNot present
  • Agent SkillsNot present
  • API CatalogNot present
  • llms.txtNot present
  • WebMCPCould not check
Show every check, for your technical team
Discoverability
77 of 100
  • robots.txtPassed

    A valid robots.txt with crawl rules at the site root.

    study: 86.1%
  • SitemapPassed

    An XML sitemap listing the pages, ideally referenced from robots.txt.

    study: 87.9%
  • Link headersNot met

    Send Link headers such as rel="api-catalog" or rel="describedby" on the homepage.

    study: 1.5%
  • DNS for AI DiscoveryNot present

    Advertise agent endpoints with SVCB records under _agents.

    study: 4.3%
Content accessibility
0 of 100
  • Markdown negotiationNot met

    Return a markdown version when asked with Accept: text/markdown, for example at the CDN.

    study: 6.2%
  • llms.txtNot met

    Publish an llms.txt with a short summary and the key links.

    study: 31.0%
Bot access control
32 of 100
  • AI bot rulesPartly met

    Add explicit robots.txt groups for the main AI crawlers.

    study: 92.7%
  • Content SignalsNot met

    Add a Content-Signal line for search, ai-input and ai-train to robots.txt.

    study: 2.3%
  • Web Bot AuthNot present

    Only relevant if you run your own agents or crawlers: publish a signing key directory.

    study: 0.3%
APIs, auth and MCP
0 of 100
  • API CatalogNot met

    List public APIs in a linkset at /.well-known/api-catalog.

    study: 1.3%
  • OAuth discoveryNot met

    Publish OpenID Connect or OAuth server metadata under /.well-known.

    study: 6.3%
  • OAuth Protected ResourceNot met

    Serve protected resource metadata at /.well-known/oauth-protected-resource.

    study: 5.3%
  • auth.mdNot met

    Publish an auth.md describing how agents sign in.

    study: 0.2%
  • MCP Server CardNot met

    Offer an MCP server and publish its server card under /.well-known.

    study: 0.8%
  • A2A Agent CardNot met

    Publish an agent card at /.well-known/agent-card.json.

    study: 0.2%
  • Agent SkillsNot met

    Publish a skills index with the main tasks agents can do.

    study: 1.0%
  • WebMCPCould not check

    Register key actions such as search or cart as WebMCP tools.

    study: 0.0%
  • ARD manifestNot met

    Publish an ai-catalog.json listing every agent interface.

    study: 0.2%

Score 25 of 100 · 97% of checks could run · checked on October 4, 2026 · www.tiaa.org · 2,200 companies scanned

See how every company did, and how this was measured.

AI readinessSection 10

The checks behind the AI readiness score

3 of 14 passed. This list is for your technical team. The percentage is how many companies in the study pass each check.

These 14 checks ran during the audit and are what the AI readiness part of the overall score counts. The scan above ran later and is stricter on Link headers and Markdown, so a check can pass here and not there.

Show the 14 checks

Discoverability

  • Passedrobots.txt publishedstudy: 85.1%
  • PassedXML sitemapstudy: 79.4%
  • Not metHTTP Link headers (RFC 8288)study: 42.5%

Content Accessibility

  • Not metMarkdown content negotiationstudy: 7.4%
  • Not metllms.txt publishedstudy: 28.1%
  • PassedToken budget (page weight)study: 97.3%

Bot Access Control

  • Not metExplicit AI bot rulesstudy: 11.5%

API / Auth / MCP

  • Not metAPI Catalog (.well-known/api-catalog)study: 1.1%
  • Not metOAuth Authorization Server discoverystudy: 5.2%
  • Not metOAuth Protected Resource discoverystudy: 4.6%
  • Not metMCP Server Cardstudy: 0.2%
  • Not metA2A Agent Cardstudy: 0.0%
  • Not metWebMCP toolsstudy: 0.3%
  • Not metAgent Skills declaredstudy: 0.1%
AI crawlersSection 11

What AI crawlers may read (robots.txt)

This website sets no rules for any AI crawler by name, like 86% of the websites whose rules we could read. Every AI crawler follows its general rules.

Training AI

  • GPTBotpartly
  • ClaudeBotpartly
  • Anthropic-AIpartly
  • Google-Extendedpartly
  • Applebot-Extendedpartly
  • Meta-ExternalAgentpartly
  • FacebookBotpartly
  • Bytespiderpartly
  • CCBotpartly
  • Diffbotpartly
  • Omgilibotpartly

AI search

  • OAI-SearchBotpartly
  • Claude-SearchBotpartly
  • PerplexityBotpartly
  • Applebotpartly
  • Amazonbotpartly
  • YouBotpartly

Answering questions

  • ChatGPT-Userpartly
  • Claude-Userpartly
  • Perplexity-Userpartly
  • DuckAssistBotpartly
  • MistralAI-Userpartly

Read from the website’s own rules file (robots.txt). An asterisk marks a crawler the file names. The rest follow its general rules. “Partly” means only some pages are blocked.

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