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Flexible benefits and lifestyle spending accounts · November 2026 Edition

Forma vs Compt

Nine of fourteen models named Forma first on the direct prompt; four named Compt. Both were named by all fourteen models and Forma carries 50 labels and Compt 40, so the shares are not directly comparable.

Forma

endorsed leader

Named in three categories this edition.

Compt

accepted challenger

Named in two categories this edition.

First-choice share36%18%Of first choices across the direct, paraphrase, budget and scale prompts, 0 to 100.
Negative rate12%0%Negative labels as a share of the product's labels, 0 to 100.
Rank in category#1#3A position in a field of 9; printed, not drawn.
Labels5040A count; the two differ.
The two percentage rows are drawn on one 0 to 100 track, Forma reading right to left. Rank and label count are printed, not drawn.Benepass was named alongside these two in twelve of the fourteen direct answers. Forma vs JOON · Forma vs Benepass · Forma vs Rippling

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; every quote names the model and the prompt it came from. Both figures come from the flexible benefits and lifestyle spending accounts page.

By framing

How many of the fourteen models made each the first choice, per way of asking, and how many argued against it.
FormaFirst choices, of fourteen modelsCompt
Direct94
Paraphrase81
Comparative82
Budget-constrained044 against Forma
Scale-constrained10
Negative102 against Forma
Bars are first choices, 0 to 14 each sideModels that argued againstA model can name both, so the two sides of a row do not sum to fourteen.

Across every category in the November 2026 Edition, Forma and Compt were named in the same answer 104 times, of the 252 answers naming Forma and the 136 naming Compt. In those answers Compt took the first choice thirty-eight times and Forma thirty-one.

Every model, every framing

The eighty-four answers behind the chart above, one cell each: where Forma and Compt stood in it.
ModelDirectParaphraseComparativeBudget-constrainedScale-constrainedNegative
Claude Haiku 4.5
GPT-5.4 mini
Gemini 3.5 Flash
Perplexity Sonar
Grok 4.20
Mistral Small
DeepSeek V4 Flash
Llama 4 Maverick
Qwen 3.7 Flash
Kimi K2
GLM 4.7 FlashX
MiniMax M2.5
GPT-6 Luna
Muse Glimmer 30B
Forma Compt first choice named as an alternative argued againstblank: not namedEach cell is one answer, Forma on the left and Compt on the right.

The direct prompt

The plain question, one answer per model, grouped by where Forma and Compt stood in it.

Forma first, Compt an alternative

9 of 14 modelsCompt was named in the answer but not as the choice, or not at all.
GPT-5.4 miniForma alternatives: Benepass, Compt, ThrivePass
Gemini 3.5 FlashForma alternatives: Benepass, Compt, Fringe
Grok 4.20Benepass, Forma alternatives: Compt
Mistral SmallForma alternatives: Compt, Honeybee Benefits
Llama 4 MaverickForma
GLM 4.7 FlashXForma alternatives: Benepass, Compt
MiniMax M2.5Forma alternatives: Benepass, Compt, JOON
GPT-6 LunaForma alternatives: Benepass, Compt
Muse Glimmer 30BForma alternatives: Benepass, Compt, JOON

Compt first, Forma an alternative

4 of 14 modelsForma was named in the answer but not as the choice, or not at all.
Claude Haiku 4.5Benepass, Compt alternatives: JOON, ThrivePass
Perplexity SonarCompt alternatives: Benepass, Forma, JOON
DeepSeek V4 FlashCompt alternatives: Benepass, Forma
Qwen 3.7 FlashCompt alternatives: Benepass, Forma, Rippling, WEX Benefits

Neither was the first choice, one was named

1 of 14 modelsThe answer put something else first and named one of the two as an alternative.
Kimi K2Benepass, JOON alternatives: Compt, Forma, ThrivePass

Bold names in an answer are the products the judge labeled a first choice; a model naming several gives each of them that label. The full answer text for every row is in the record.

By buyer segment

The same question asked on behalf of a different buyer. Each standing is computed within its segment and they are never added together. The figures above are the mid-market standing, which is the one the category orders by.
Small business
Compt leads by thirty points.
Compt41%#1 of 10
Forma11%#3 of 10
The full small business standing →
Mid-marketThe figures above
The order flips: Forma leads at mid-market.
Forma36%#1 of 9
Compt18%#3 of 9
The full mid-market standing →
Enterprise
Forma leads by sixteen points.
Forma47%#1 of 11
Compt31%#2 of 11
The full enterprise standing →

What the models said about Forma

Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Four of four in this category shown.

“Platforms to Avoid on a Strict Budget | Forma | Custom enterprise pricing” Kimi K2 · budget prompt · hard negative
“reviewers frequently report rejected claims, unclear purchase guidelines, reimbursement denials, and slow support” GPT-5.4 mini · negative prompt · soft negative
“The best lifestyle spending account platform for a mid-market B2B company is Forma, as it is considered the most mature standalone LSA platform” Llama 4 Maverick · direct prompt · first choice
“Dedicated platforms like Forma, Benify, or Ben focus on smart spending cards, flexible allowances, and international compliance.” Gemini 3.5 Flash · negative prompt · first choice

What the models said about Compt

Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Three of four in this category shown.

“Compt (now part of the broader PeopleKeep or similar ecosystems in some reviews) stands out as the best lifestyle spending account (LSA) platform for companies with a limited budget.” Grok 4.20 · budget prompt · first choice
“especially well-suited for distributed or global teams, midmarket companies consolidating multiple lifestyle benefits into one LSA” Claude Haiku 4.5 · direct prompt · first choice
“Compt offers the best value with its fixed annual pricing model, no prefunding requirement, and minimal administrative burden” MiniMax M2.5 · budget prompt · first choice
Also compared

Comparisons are drawn for the top eight products in each category, each against each. The output is the models' output; nothing here is a recommendation by the index.