Fantastic analysis, wish I had this prior to making my decision. Back in the day both Fidelity and Schwab had a $5K minimum and Fidelity had a $50 minimum contribution whereas Schwab had a $500 minimum, which is why I went with Fidelity. Glad to see they made these improvements.
Going off of Dan’s comment, if a Fidelity (or Schwab) account is at $25K or more, would you recommend switching over to Vanguard given the better fees and investment options?
Unless you’re putting a lot of work into optimizing your DAF investments (like I describe here), Fidelity is pretty much just as good as Vanguard.