Index › HR › Compensation and total rewards › Flexible benefits › Small business · November 2026 Edition
Flexible benefits and lifestyle spending accounts for small business buyers
Asked as “lifestyle spending account platform”, and as “flexible employee benefits platform”, on behalf of a small B2B company. 54 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each.
Standing · first-choice share
41%
Clear leader
41Compt22JOON11Forma26others
41% of first choices, clear leader.
Since October 2026▲+4Since October 2026: 37% → 41%, +4 points. Inside the 13-point floor: within noise.Compt held the lead, +4 points on 37%, inside the 13-point floor.
By buyer segment
The same question asked on behalf of a different buyer. Each standing is computed within its segment; they sit side by side and are never added together.
Small business
Compt41%Clear leader▲+4Since October 2026: 37% → 41%, +4 points. Inside the 13-point floor: within noise.This pageMid-market
Forma36%Contested↗new leaderNew leader since October 2026: Forma (36%) replaces Compt (40% then, 18% now), 18 points clear, past the 13-point floor.Standing →EnterpriseForma47%Clear leader▲+2Since October 2026: 45% → 47%, +2 points. Inside the 13-point floor: within noise.Standing →
Compt41%Clear leader▲+4Since October 2026: 37% → 41%, +4 points. Inside the 13-point floor: within noise.This pageMid-marketForma36%Contested↗new leaderNew leader since October 2026: Forma (36%) replaces Compt (40% then, 18% now), 18 points clear, past the 13-point floor.Standing →EnterpriseForma47%Clear leader▲+2Since October 2026: 45% → 47%, +2 points. Inside the 13-point floor: within noise.Standing →The standing
Share is the count of first choices across the direct, paraphrase, budget and scale prompts, over all fourteen models, for a small B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrantSince October 2026
01Compt41%0%49endorsed leader▲+4Since October 2026: 37% → 41%, +4 points. Inside the 13-point floor: within noise.37% → 41%
Compt41%0%49endorsed leader▲+4Since October 2026: 37% → 41%, +4 points. Inside the 13-point floor: within noise.37% → 41%02
JOON22%11%28accepted challenger▲+3Since October 2026: 19% → 22%, +3 points. Inside the 13-point floor: within noise.19% → 22%
JOON22%11%28accepted challenger▲+3Since October 2026: 19% → 22%, +3 points. Inside the 13-point floor: within noise.19% → 22%03Forma11%29%48criticized challenger▲+2Since October 2026: 9% → 11%, +2 points. Inside the 13-point floor: within noise.9% → 11%
Forma11%29%48criticized challenger▲+2Since October 2026: 9% → 11%, +2 points. Inside the 13-point floor: within noise.9% → 11%04
Gusto9%20%35accepted challenger▼−2Since October 2026: 11% → 9%, −2 points. Inside the 13-point floor: within noise.11% → 9%
Gusto9%20%35accepted challenger▼−2Since October 2026: 11% → 9%, −2 points. Inside the 13-point floor: within noise.11% → 9%05
Benepass6%19%43accepted challenger▼−11Since October 2026: 17% → 6%, −11 points. Inside the 13-point floor: within noise.17% → 6%
Benepass6%19%43accepted challenger▼−11Since October 2026: 17% → 6%, −11 points. Inside the 13-point floor: within noise.17% → 6%06
Fringe4%17%18accepted challenger▲+2Since October 2026: 2% → 4%, +2 points. Inside the 13-point floor: within noise.2% → 4%
Fringe4%17%18accepted challenger▲+2Since October 2026: 2% → 4%, +2 points. Inside the 13-point floor: within noise.2% → 4%07
PeopleKeep2%10%10accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 13-point floor: within noise.0% → 2%
PeopleKeep2%10%10accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 13-point floor: within noise.0% → 2%Show the three products at 0%, ordered by negative rate
10
Espresa0%27%11criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise.0% → 0%
Espresa0%27%11criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise.0% → 0%08
Rippling0%21%33accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise.0% → 0%
Rippling0%21%33accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise.0% → 0%09
Justworks0%17%18accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise.0% → 0%
Justworks0%17%18accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise.0% → 0%The floor is 13 points of share, measured: how far the models move a leader on their own when the same questions are asked twice with nothing changed. A larger change is movement; a smaller one can't be told apart from repeat variation, and both are shown. Each index measures its own floor from its own repeat, over its own categories, so the floor differs from one index to the next. Both editions asked the same fourteen models. How the floor is measured
Bars are the share of first choices, 0 to 100Every product with at least 10 labels here. Every product name links to its product page.
For buyers
Head to headHead-to-head pages are published for mid-market buyers, so these open on mid-market figures, not small business.
All ten head-to-head pages: the top five products, each against each
Recommended versus criticized
Every product with at least 10 labels here, on both axes. The 30% line names a quadrant, not the verdict above: that one needs more than 40%.
Criticized challengerCriticized default
Negative label rate →
01020304050607080910Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative60%
Key
01Compt41%
Compt41%02JOON22%
JOON22%03Forma11%
Forma11%04Gusto9%
Gusto9%05Benepass6%
Benepass6%06Fringe4%
Fringe4%07PeopleKeep2%
PeopleKeep2%08Rippling0%
Rippling0%09Justworks0%
Justworks0%10Espresa0%
Espresa0%What they warned about
One of fourteen models held their first choice under the paraphrase. Claude Haiku 4.5, GPT-5.4 mini, 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 and Muse Glimmer 30B changed. A high negative share on a product with few labels is a warning. A low share on a product with many labels is salience, not sentiment.
Forma29%
14 of 48 labels negative · 7 of 14 models · 2 hard negative
“why to avoid them on a tight budget ... typical costs run $4–$12 per employee per month” DeepSeek V4 Flash, budget prompt
Gusto20%
7 of 35 labels negative · 7 of 14 models · 1 hard negative
“2,589+ reviews with most customers unhappy, terrible customer support with extremely long wait times” GLM 4.7 FlashX, negative prompt
Rippling21%
7 of 33 labels negative · 7 of 14 models · 1 hard negative
“68 BBB complaints in the last 3 years, with issues including: Difficulty stopping automatic withdrawals after cancellation” Kimi K2, negative prompt
Benepass19%
8 of 43 labels negative · 6 of 14 models · 2 hard negative
“Usually requires prefunding accounts and has higher minimums ... not ideal for a small team.” DeepSeek V4 Flash, budget prompt
What they cite
Fourteen of the fourteen models returned a source list in this edition: five return the pages they cited and nine the search results they consulted.
Sites the answers cite
78 of 84 answers in this category came back with a source list, from 14 of 14 models: citations where the model returns them, or the search results it consulted. 944 links across 195 sites, every framing counted. Ranked by the number of answers carrying the site or page. 1 of the 252 answers across every segment cited this index's own page for the category; the method page measures whether that reading tilts an answer.
54 answers · 90 citations · 13 models
vendor site · G247 answers · 103 citations · 13 models
vendor site · Compt43 answers · 135 citations · 13 models
vendor site · Guideflow27 answers · 31 citations · 11 models
vendor site · JOON26 answers · 35 citations · 13 models
21 answers · 21 citations · 10 models
vendor site · Benepass20 answers · 24 citations · 10 models
12 answers · 20 citations · 8 models
11 answers · 11 citations · 6 models
11 answers · 11 citations · 8 models
10 answers · 11 citations · 6 models
vendor site · JOON10 answers · 10 citations · 6 models
Pages the answers cite
The ten pages named in the most answers, by full address. A page here is one the models returned with a recommendation, not one the index endorses.
21 answers · 10 models
21 answers · 11 models
20 answers · 9 models
20 answers · 10 models
19 answers · 12 models
18 answers · 11 models
15 answers · 9 models
15 answers · 9 models
14 answers · 7 models
13 answers · 8 models
Search against answers
Each company's standing in the answers beside its site's footprint in Google search, one row a site: the products the models named on it with their shares, and the share they add up to; monthly searches on Google, and DataForSEO's estimate of AI search demand (modeled from search signals, directional, not a count of queries to any assistant), for the most-searched of the company's and its products' names (the name is in each row's hover text); estimated monthly organic visits to the site; and its best position in Google's top ten for “best lifestyle spending account platform”, “flexible benefits platforms”, “lifestyle spending account platform”. US estimates from DataForSEO and Google's Ads Transparency Center. A small company's site, or a mid-sized company's site for its flagship, is marked company; a product on a large parent's site (Google, Microsoft) has no site figures. A column with no figures for this category is left out, and an empty cell means none were seen, not none exist. Two measurements side by side: neither is read as the cause of the other.
| Company and products | Share | Own site cited | Name searches, Google | AI search demand, est. | Organic visits | Paid search a month, est. | Google ads, last 30 days | Best Google position |
|---|---|---|---|---|---|---|---|---|
| Compt compt.io | 41% | 129 | 3,600 | 1,693 | 16,841 | 7 | 2 | |
| JOON joon.io | 22% | 56 | 27,100 | 6,564 | 9,721 | |||
| Forma forma.ai | 11% | 248 | 49,500 | 43,054 | 6,459 | |||
| Gusto gusto.com | 9% | 742 | 673,000 | 10,560 | 1,629,483 | 118 | ||
| Benepass getbenepass.com | 6% | 149 | 14,800 | 99 | 30,964 | 6 | ||
| Fringe fringe.us | 4% | 46 | 165,000 | 29,782 | 11,516 | 2 | ||
| Decisely decisely.com | 4% | 3 | ||||||
| PeopleKeep peoplekeep.com | 2% | 36 | ||||||
| Lively livelyme.com | 2% | 127 | 49,500 | 7,526,229 | 57,968 | 24 | ||
| Rippling rippling.com | 0% | 1438 | 301,000 | 17,886 | 712,399 | $42,013 | 115 |
Google's top ten for the three searches hold 21 sites; 3 of them are among the sites the models cited here (compt.io, g2.com, joinforma.com). The first result for “best lifestyle spending account platform” is joinforma.com.
How they answered
Six framings of the same buying question, each sent to every model in a fresh session with search on. One row per model, so a row shows whether it held its answer under rewording, what it named when cost was the constraint, and what it argued against. Computed from the raw judge labels.ShowHide
How they answered
Six framings of the same buying question, each sent to every model in a fresh session with search on. One row per model, so a row shows whether it held its answer under rewording, what it named when cost was the constraint, and what it argued against. Computed from the raw judge labels.
ShowHideModelDirect“What is the best lifestyle spending account platform for a small B2B company?”Paraphrase“Which flexible employee benefits platform would you recommend to a small business that sells to other businesses?”Comparative“What are the top flexible benefits platforms for a small team and how do they differ?”Budget-constrained“What is the best lifestyle spending account platform for a small company with a tight budget?”Scale-constrained“We are a 30 person company evaluating a lifestyle spending account platform. What should we look at?”Negative“Which flexible benefits platforms should a small business avoid or be cautious about?”
Claude Haiku 4.5Comptno first choiceChangedGustoagainst: FormaJOONno first choiceagainst: Deel, Flexible Benefit Service, Gusto, Rippling
Two alternatives
Benepass, JOONThree alternatives
BambooHR, Justworks, TriNet ZenefitsTwo alternatives
Compt, HolisticlyGPT-5.4 miniBenepass, ComptGustoChangedGustoagainst: WEX BenefitsComptagainst: Optumno first choiceagainst: Paycom
One alternative
FormaTwo alternatives
Forma, RipplingFive alternatives
Benepass, Justworks, OnPay, Rippling, TriNetOne alternative
FormaGemini 3.5 FlashComptagainst: BenepassComptHeldComptCompt, JOONagainst: Benepass, Formano first choiceagainst: Alight Solutions, Benefex, Businessolver, Mercer
Three alternatives
Forma, Fringe, JOONTwo alternatives
Benepass, FringeFour alternatives
Benepass, Forma, Fringe, GustoOne alternative
PeopleKeepPerplexity SonarJOONagainst: Benepass, FormaGustoChangedagainst: FormaGustoagainst: FormaJOONagainst: Benepassno first choiceagainst: Benefitfocus, Ease, Employee Navigator, Forma, Gusto, PlanSource, bswift
One alternative
ComptOne alternative
Employee NavigatorSix alternatives
BambooHR, Benepass, Compt, Employee Navigator, Justworks, RipplingOne alternative
PeopleKeepGrok 4.20JOONagainst: Benepass, Espresa, Fringe, ThrivePassFormaChangedCompt, JOONagainst: Gusto, RipplingComptagainst: Espresano first choiceagainst: Ameriflex, Benefitfocus, Justworks, Paychex Flex, PeopleKeep
Two alternatives
Compt, FormaFour alternatives
Benepass, Compt, Gusto, RipplingThree alternatives
Benepass, Forma, FringeTwo alternatives
Benepass, FormaMistral SmallFormaGustoChangedGusto, RipplingCompt, JOONagainst: Benepass, Fringsno first choiceagainst: JOON, Paychex Flex, Rippling, VensureHR
Four alternatives
Benepass, Compt, Espresa, JOONTwo alternatives
Justworks, RipplingFive alternatives
Benepass, OnPay, Perkbox, Vivup, WellableDeepSeek V4 FlashComptagainst: Forma, FringeBenepassChangedagainst: Forma, RipplingCompt, FormaCompt, PeopleKeepagainst: Benepass, Forma, JOONComptagainst: Espresa, Formaagainst: Alight Solutions, Benefitfocus, Businessolver, Oyster HR, Paychex Flex, TriNet Zenefits
One alternative
BenepassOne alternative
GustoFive alternatives
Benepass, Gusto, Justworks, Rippling, ThatchOne alternative
HoneyBeeLlama 4 MaverickJOONagainst: ThrivePassLivelyChangedGustoJOONno first choicenothing named
Four alternatives
Benepass, Compt, Espresa, FormaThree alternatives
Forma, PeopleKeep, TriNetThree alternatives
Deel, Justworks, RipplingThree alternatives
Benepass, Compt, HoppierQwen 3.7 FlashBenepassagainst: GustoFormaChangedForma, Gusto, ThatchComptagainst: JOON, ThrivePassCompt, Formaagainst: ADP Workforce Now, UKG Pro, Workday Oracle Cloud HCM
Three alternatives
FlexWage, Rippling, StiltzTwo alternatives
Gusto, RipplingFour alternatives
Benefitfocus, Decisely, Justworks, RipplingTwo alternatives
Benepass, FormaThree alternatives
Benepass, O.C. Tanner Culture Cloud, WellhubKimi K2Compt, JOONCompt, GustoChangedComptagainst: FormaFringeagainst: Benepass, FormaJOONagainst: Ameriflex, BenefitHub, Gusto, Human Interest, Justworks, Paychex Flex, Rippling, TriNet, TriNet Zenefits
Two alternatives
Benepass, FormaTwo alternatives
Fringe, PeopleKeepFive alternatives
Benepass, Deel, Gusto, Justworks, RipplingTwo alternatives
Compt, PeopleKeep WorkPerksFour alternatives
Benepass, Compt, Espresa, FormaGLM 4.7 FlashXComptDeciselyChangedGustoComptno first choiceagainst: Bambee, Gusto, Justworks, Paychex Flex, Paylocity, TriNet
Four alternatives
Forma, Honeybee Benefits, JOON, LivelyThree alternatives
Benefitfocus Benefitplace, Gusto, RipplingThirteen alternatives
Assembly, Benepass, Bonusly, Deel, Employee Navigator, Forma, Justworks, Maxwell Health, OnPay, PeopleKeep, Perkbox, Rippling, VivupOne alternative
JOONMiniMax M2.5Compt, JOONagainst: FormaForma, GustoChangedBenepass, ComptComptno first choiceagainst: EaseCentral, Gusto, Rippling, WEX Benefits
One alternative
BenepassTwo alternatives
Rippling, TriNet ZenefitsThree alternatives
Gusto, Rippling, ZestOne alternative
JOONGPT-6 LunaComptDeciselyChangedCompt, JOONagainst: Forma, FringeFringeno first choiceagainst: BambooHR Benefits Administration, Rippling
Two alternatives
Benepass, JOONOne alternative
GustoOne alternative
BenepassTwo alternatives
Compt, JOONMuse Glimmer 30BCompt, JOONFormaChangedGustoComptno first choiceagainst: Ben, Benefex
Two alternatives
Benepass, FormaThree alternatives
Gusto, PeopleKeep, RipplingSeven alternatives
Ben, Benepass, Compt, Forma, Justworks, Rippling, ZestOne alternative
JOONBold is the first choiceAlternatives are counted; the count opens them.What the answer argued against
The record
One row per call: the version string exactly as returned, whether the model searched, sources cited, and latency.
Eighty-four rows: every prompt, every model, every answer.
| Prompt | Model | Version string | Time (UTC) | Searched | Sources | Latency |
|---|---|---|---|---|---|---|
| Direct recommendation | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 09:52 | yes | 10 | 8 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 08:49 | yes | 2 | 7 s |
| Direct recommendation | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 11:56 | yes | 9 | 17 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-11-01 08:48 | yes | 10 | 3 s |
| Direct recommendation | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:22 | yes | 14 | 35 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:37 | yes | 5 | 5 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:44 | yes | 20 | 20 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:58 | yes | 5 | 3 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:35 | no | 0 | 29 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 10:23 | yes | 19 | 58 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 12:35 | yes | 15 | 98 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:38 | yes | 21 | 55 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:14 | yes | 4 | 17 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:11 | yes | 13 | 21 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 10:45 | no | 0 | 5 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 08:37 | yes | 2 | 11 s |
| Paraphrase | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 09:19 | yes | 14 | 17 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-11-01 12:36 | yes | 10 | 4 s |
| Paraphrase | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:29 | yes | 13 | 32 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 10:13 | yes | 5 | 4 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:22 | yes | 25 | 23 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 11:18 | yes | 5 | 3 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:17 | yes | 10 | 45 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:07 | yes | 10 | 51 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 08:39 | yes | 22 | 131 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 11:46 | yes | 5 | 20 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:26 | yes | 2 | 13 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 09:52 | yes | 20 | 34 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 11:18 | yes | 16 | 10 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:34 | yes | 3 | 6 s |
| Comparative | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 11:31 | yes | 9 | 27 s |
| Comparative | Perplexity Sonar | sonar | 2026-11-01 12:17 | yes | 10 | 6 s |
| Comparative | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:03 | yes | 18 | 39 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:25 | yes | 10 | 9 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:48 | yes | 23 | 30 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:51 | yes | 5 | 2 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:07 | yes | 5 | 37 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 10:13 | yes | 14 | 69 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 11:01 | yes | 15 | 42 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 08:38 | yes | 23 | 44 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:01 | yes | 7 | 27 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:53 | yes | 13 | 29 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 12:54 | yes | 9 | 7 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 12:41 | yes | 2 | 6 s |
| Budget constrained | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 12:12 | yes | 16 | 21 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-11-01 08:49 | yes | 10 | 3 s |
| Budget constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:04 | yes | 14 | 38 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:31 | yes | 5 | 4 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:30 | yes | 24 | 27 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:34 | yes | 5 | 2 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:20 | yes | 15 | 30 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:24 | yes | 20 | 45 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 08:43 | yes | 20 | 67 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:20 | yes | 9 | 46 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:30 | yes | 4 | 18 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:32 | yes | 14 | 17 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 09:34 | yes | 14 | 13 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:05 | no | 0 | 6 s |
| Scale constrained | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 10:00 | no | 0 | 15 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-11-01 12:15 | yes | 10 | 7 s |
| Scale constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:14 | yes | 5 | 29 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 10:25 | no | 0 | 5 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:47 | yes | 21 | 31 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:11 | yes | 5 | 3 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 11:10 | yes | 10 | 34 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 10:53 | yes | 9 | 21 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 12:15 | yes | 13 | 26 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:50 | yes | 5 | 25 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 10:54 | yes | 1 | 14 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:12 | no | 0 | 1 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 12:35 | yes | 18 | 8 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:43 | yes | 4 | 5 s |
| Negative framing | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 12:29 | yes | 10 | 24 s |
| Negative framing | Perplexity Sonar | sonar | 2026-11-01 10:28 | yes | 10 | 4 s |
| Negative framing | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:14 | yes | 15 | 33 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:32 | yes | 10 | 6 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:26 | yes | 25 | 33 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:28 | yes | 8 | 5 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:05 | yes | 21 | 80 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 12:11 | yes | 25 | 70 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:23 | yes | 25 | 33 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:33 | yes | 25 | 48 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:32 | yes | 4 | 18 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:02 | yes | 23 | 25 s |
Normalization in this category
Every judgment call made between the raw labels and the numbers above, listed so it is visible and reversible.
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Category-scoped readings
ADP read as ADP Workforce Now
Alight read as Alight Solutions
Navia read as Navia Benefit Solutions
Paychex read as Paychex Flex
Paychex (Benefits Administration) read as Paychex Flex
WEX (Health Savings Accounts) read as WEX Benefits
Zenefits read as TriNet Zenefits
Zenefits (now TriNet HR Plus) read as TriNet Zenefits
Unresolved, counted raw
Avantus
BambooHR Benefits Administration
Benefitfocus Benefitplace
EaseCentral
Flexible Benefit Service (Flex)
Frings
Nayax
Orengo
PeopleKeep WorkPerks
Stiltz
Stride Health
Workday Oracle Cloud HCM
Discontinued, still offered
No shut-down product was recommended here.