HSA and FSA administrators
Asked as “HSA and FSA administrator”, and as “consumer-directed benefits administrator”, on behalf of a mid-market B2B company. 54 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each. Added to the November 2026 Edition.
Standing · first-choice share
26%
Contested · HealthEquity 22%
26Lively22HealthEquity09WEX Benefits43others
26% of first choices, contested.
Since October 2026↗new leaderNew leader since October 2026: Lively (26%) replaces HealthEquity (29% then, 22% now), 4 points clear, inside the 13-point floor.Lively leads at 26%, replacing HealthEquity, which led at 29% and stands at 22% now: 4 points clear, inside the floor, so the swap reads as unsettled.
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
Lively47%Clear leader▲+10Since October 2026: 37% → 47%, +10 points. Inside the 13-point floor: within noise.Standing →Mid-marketLively26%Contested↗new leaderNew leader since October 2026: Lively (26%) replaces HealthEquity (29% then, 22% now), 4 points clear, inside the 13-point floor.This pageEnterprise
HealthEquity68%Clear leader▲+29Since October 2026: 39% → 68%, +29 points. Past the 13-point floor: movement.Standing →
Lively47%Clear leader▲+10Since October 2026: 37% → 47%, +10 points. Inside the 13-point floor: within noise.Standing →Mid-marketLively26%Contested↗new leaderNew leader since October 2026: Lively (26%) replaces HealthEquity (29% then, 22% now), 4 points clear, inside the 13-point floor.This pageEnterpriseHealthEquity68%Clear leader▲+29Since October 2026: 39% → 68%, +29 points. Past the 13-point floor: movement.Standing →The standing
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. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrantSince October 2026
01Lively26%3%39accepted challenger▲+11Since October 2026: 15% → 26%, +11 points. Inside the 13-point floor: within noise.15% → 26%
Lively26%3%39accepted challenger▲+11Since October 2026: 15% → 26%, +11 points. Inside the 13-point floor: within noise.15% → 26%02HealthEquity22%18%60accepted challenger▼−7Since October 2026: 29% → 22%, −7 points. Inside the 13-point floor: within noise.29% → 22%
HealthEquity22%18%60accepted challenger▼−7Since October 2026: 29% → 22%, −7 points. Inside the 13-point floor: within noise.29% → 22%03
WEX Benefits9%12%26accepted challenger▲+3Since October 2026: 6% → 9%, +3 points. Inside the 13-point floor: within noise.6% → 9%
WEX Benefits9%12%26accepted challenger▲+3Since October 2026: 6% → 9%, +3 points. Inside the 13-point floor: within noise.6% → 9%04
WEX Health9%8%24accepted challenger▲+3Since October 2026: 6% → 9%, +3 points. Inside the 13-point floor: within noise.6% → 9%
WEX Health9%8%24accepted challenger▲+3Since October 2026: 6% → 9%, +3 points. Inside the 13-point floor: within noise.6% → 9%05
Fidelity HSA7%4%53accepted challenger▼−3Since October 2026: 10% → 7%, −3 points. Inside the 13-point floor: within noise.10% → 7%
Fidelity HSA7%4%53accepted challenger▼−3Since October 2026: 10% → 7%, −3 points. Inside the 13-point floor: within noise.10% → 7%06
Forma7%5%20accepted challenger▲+1Since October 2026: 6% → 7%, +1 point. Inside the 13-point floor: within noise.6% → 7%
Forma7%5%20accepted challenger▲+1Since October 2026: 6% → 7%, +1 point. Inside the 13-point floor: within noise.6% → 7%07
Navia Benefit Solutions4%11%35accepted challenger=heldSince October 2026: 4% → 4%, ±0 points. Inside the 13-point floor: within noise.4% → 4%
Navia Benefit Solutions4%11%35accepted challenger=heldSince October 2026: 4% → 4%, ±0 points. Inside the 13-point floor: within noise.4% → 4%08
Businessolver4%0%19accepted challenger=heldSince October 2026: 4% → 4%, ±0 points. Inside the 13-point floor: within noise.4% → 4%
Businessolver4%0%19accepted challenger=heldSince October 2026: 4% → 4%, ±0 points. Inside the 13-point floor: within noise.4% → 4%09
HSA Bank2%14%37accepted challenger=heldSince October 2026: 2% → 2%, ±0 points. Inside the 13-point floor: within noise.2% → 2%
HSA Bank2%14%37accepted challenger=heldSince October 2026: 2% → 2%, ±0 points. Inside the 13-point floor: within noise.2% → 2%10
Ameriflex2%6%18accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 13-point floor: within noise.0% → 2%
Ameriflex2%6%18accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 13-point floor: within noise.0% → 2%Show the four products at 0%, ordered by negative rate
14Optum Financial0%39%18criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise.0% → 0%
13
TASC0%15%20accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise.0% → 0%
TASC0%15%20accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise.0% → 0%11Further0%0%20accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise.0% → 0%
12Flores0%0%11accepted 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.
All twenty-eight head-to-head pages: the top eight products, each against each
Lively vs Fidelity HSALively vs FormaLively vs Navia Benefit SolutionsLively vs BusinessolverHealthEquity vs WEX BenefitsHealthEquity vs WEX HealthHealthEquity vs Fidelity HSAHealthEquity vs FormaHealthEquity vs Navia Benefit SolutionsHealthEquity vs BusinessolverWEX Benefits vs WEX HealthWEX Benefits vs Fidelity HSAWEX Benefits vs FormaWEX Benefits vs Navia Benefit SolutionsWEX Benefits vs BusinessolverWEX Health vs Fidelity HSAWEX Health vs FormaWEX Health vs Navia Benefit SolutionsWEX Health vs BusinessolverFidelity HSA vs FormaFidelity HSA vs Navia Benefit SolutionsFidelity HSA vs BusinessolverForma vs Navia Benefit SolutionsForma vs BusinessolverNavia Benefit Solutions vs Businessolver
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 →
01020304050607080910F11
F12
13O14
Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative40%
Key
01Lively26%
Lively26%02HealthEquity22%
HealthEquity22%03WEX Benefits9%
WEX Benefits9%04WEX Health9%
WEX Health9%05Fidelity HSA7%
Fidelity HSA7%06Forma7%
Forma7%07Navia Benefit Solutions4%
Navia Benefit Solutions4%08Businessolver4%
Businessolver4%09HSA Bank2%
HSA Bank2%10Ameriflex2%
Ameriflex2%11Further0%
12Flores0%
13TASC0%
TASC0%14Optum Financial0%
What they warned about
One of fourteen models held their first choice under the paraphrase. 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 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.
HealthEquity18%
11 of 60 labels negative · 9 of 14 models · 6 hard negative
“This is probably the most frequently complained-about administrator in this space... hundreds of BBB complaints” MiniMax M2.5, negative prompt
Optum Financial
39%
7 of 18 labels negative · 6 of 14 models · 2 hard negative
“Avoid Optum if you can. The fees alone (monthly + $20 transfer-out fee) make it unattractive” DeepSeek V4 Flash, negative prompt
Sterling Administration100%
5 of 5 labels negative · 5 of 14 models · 3 hard negative
“Sterling Administration received complaints about withholding FSA funds and not releasing money.” Claude Haiku 4.5, negative prompt
HSA Bank14%
5 of 37 labels negative · 5 of 14 models · 2 hard negative
“most reviewers were let down by their experience overall, citing persistent problems with account management.” Muse Glimmer 30B, negative 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
76 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. 938 links across 250 sites, every framing counted. Ranked by the number of answers carrying the site or page. 104 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.
47 answers · 90 citations · 12 models
39 answers · 48 citations · 12 models
vendor site · Lead Change Group27 answers · 38 citations · 9 models
publisher (Gane)26 answers · 35 citations · 10 models
18 answers · 31 citations · 11 models
18 answers · 20 citations · 10 models
vendor site · HealthEquity17 answers · 27 citations · 10 models
16 answers · 18 citations · 9 models
14 answers · 14 citations · 7 models
vendor site · Fidelity13 answers · 23 citations · 8 models
12 answers · 12 citations · 6 models
vendor site · G211 answers · 13 citations · 7 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.
45 answers · 12 models
32 answers · 12 models
18 answers · 7 models
15 answers · 9 models
14 answers · 9 models
14 answers · 7 models
13 answers · 7 models
12 answers · 6 models
11 answers · 8 models
10 answers · 6 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 hsa and fsa administrator”, “hsa and fsa administrator”, “hsa and fsa administrators”. 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 |
|---|---|---|---|---|---|---|---|---|
| Lively livelyme.com | 26% | 127 | 49,500 | 7,526,229 | 57,968 | 24 | ||
| HealthEquity healthequity.com | 22% | 177 | 450,000 | 1,903 | 1,323,750 | 120 | ||
| WEX wexinc.com WEX Benefits 9%, WEX Health 9% | 19% | 127 | 40,500 | 1,030 | 229,187 company | $181 | 86 | |
| Fidelity HSA fidelity.com Fidelity HSA 7%, Fidelity HSA for small business 2% | 9% | 130 | 49,500 | 822 | 54,604,127 | $1,174 | 84 | |
| Forma forma.ai | 7% | 248 | 49,500 | 43,054 | 6,459 | |||
| Navia naviabenefits.com Navia Benefit Solutions 4% | 4% | 74 | 3,600 | 33 | 81,648 company | 7 | ||
| Businessolver businessolver.com | 4% | 39 | 6,600 | 121 | 31,252 | 0 | ||
| HSA Bank hsabank.com | 2% | 92 | 201,000 | 1,786 | 638,459 | $1 | 31 | 6 |
| Ameriflex myameriflex.com | 2% | 29 | 27,100 | 177 | 28,050 | |||
| Benepass getbenepass.com | 2% | 149 | 14,800 | 99 | 30,964 |
Google's top ten for the three searches hold 24 sites; 2 of them are among the sites the models cited here (hraddict.com, joinforma.com). The first result for “best hsa and fsa administrator” 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 HSA and FSA administrator for a mid-market B2B company?”Paraphrase“Which consumer-directed benefits administrator would you recommend to a mid-sized B2B company?”Comparative“What are the top HSA and FSA administrators and how do they differ?”Budget-constrained“What is the best HSA and FSA administrator for a company with a limited budget?”Scale-constrained“We are a 500 person company evaluating a HSA and FSA administrator. What should we look at?”Negative“Which HSA and FSA administrators should I avoid or be cautious about?”
Claude Haiku 4.5no first choiceno first choiceHeldHealthEquityagainst: Fidelity HSALivelyno first choiceagainst: HSA Bank, Health Matching Account Services, Sterling Administration, Voya Financial
One alternative
WEX HealthTwo alternatives
Avidia Health, The HSA AuthorityGPT-5.4 miniFidelity HSAWEX BenefitsChangedagainst: Gustono first choiceHealthEquity Standard HSA, Livelyno first choiceagainst: HSA Bank, HealthEquity, Optum Financial
Two alternatives
Paychex, WEX BenefitsTwo alternatives
Optum Financial, TriNetOne alternative
GustoGemini 3.5 FlashLivelyBenepass, FormaChangedHealthEquityLivelyagainst: HealthEquity, WEX Benefitsno first choiceagainst: HealthEquity, Inspira Financial, Optum Bank, Optum Financial
Three alternatives
Fidelity HSA, HealthEquity, WEX BenefitsThree alternatives
Fidelity HSA, HealthEquity, LivelyEight alternatives
Benepass, Fidelity HSA, Flores & Associates, Inspira Financial, Lively, Navia Benefit Solutions, Optum Financial, WEX BenefitsFive alternatives
Ameriflex, Fidelity HSA, Gusto, Navia Benefit Solutions, RipplingPerplexity SonarHealthEquityWEX BenefitsChangedFidelity HSA, HealthEquityLivelyagainst: Gustono first choiceagainst: Optum Financial, TASC, WEX Benefits
Two alternatives
Businessolver, WEX BenefitsThree alternatives
Employee Navigator, Forma, PlanSourceSeven alternatives
Ameriflex, Flores, HSA Bank, Navia Benefit Solutions, Optum Financial, TASC, WEX BenefitsThree alternatives
Fidelity HSA, HSA Bank, HealthEquityGrok 4.20HealthEquityagainst: FormaWEX HealthChangedFidelity HSALivelyagainst: HealthEquity, Optum Financial, WEX Benefitsno first choiceagainst: HSA Bank, HealthEquity, Optum Financial, WEX Health
Three alternatives
Businessolver, Navia Benefit Solutions, WEX HealthTwo alternatives
Businessolver, HealthEquityNine alternatives
Admin America, Businessolver, Forma, HSA Bank, HealthEquity, Lively, Optum Bank, Thatch, WEX BenefitsTwo alternatives
Fidelity HSA for Employers, Navia Benefit SolutionsMistral SmallForma, HealthEquity, WEX HealthBusinessolver, WEX HealthChangedAdmin America, Fidelity HSAagainst: Associated Bank, Bank of America, First American Bank, LivelyLivelyno first choicenothing named
One alternative
HealthEquityTwo alternatives
HSA Bank, HealthEquityThree alternatives
Fidelity HSA, Gusto, ThatchDeepSeek V4 FlashForma, HealthEquityWEX HealthChangedagainst: Navia Benefit SolutionsFidelity HSA, WEX Benefitsagainst: Bank of America, Optum BankFidelity HSA, LivelyHealthEquityagainst: BPAS, HealthEquity, Inspira Financial, Optum Financial, Sterling Administration, TASC, WageWorks
Five alternatives
Businessolver, Fidelity HSA, HSA Bank, Navia Benefit Solutions, WEX BenefitsThree alternatives
Flores Financial Services, HSA Bank, HealthEquityFour alternatives
Benefit Resource, Inc., Discovery Benefits, HSA Bank, HealthEquityTwo alternatives
Avidia Bank, BASICFour alternatives
Fidelity HSA, HSA Bank, Navia Benefit Solutions, WEX HealthLlama 4 Maverickno first choiceWEX BenefitsChangedno first choiceno first choiceno first choicenothing named
Two alternatives
Benemax, FormaQwen 3.7 FlashHealthEquityPayFlexChangedHealthEquity, WEX Benefits, WEX HealthHSA Bankno first choiceagainst: HealthEquity, Inspira, Rocky Mountain Reserve, Sterling Administration, WEX Inc.
Two alternatives
Fidelity HSA, Navia Benefit SolutionsThree alternatives
ADP Workforce Now, Benefitfocus, Optum FinancialFour alternatives
Alight, Ameriflex, Fidelity HSA, Optum FinancialThree alternatives
Avidian Bank, Gusto, LivelyKimi K2LivelyNavia Benefit SolutionsChangedagainst: Benefitfocusno first choiceLivelyno first choiceagainst: Ameriflex, HSA Bank, HealthEquity, Navia Benefit Solutions, Rocky Mountain Reserve, Sterling Administration, WEX Health
Four alternatives
Fidelity HSA, HealthEquity, Navia Benefit Solutions, WEX BenefitsThree alternatives
Forma, HealthEquity, WEX HealthFour alternatives
Fidelity HSA, Further, HealthEquity, WEX HealthGLM 4.7 FlashXFidelity HSA, HealthEquityHealthEquityChangedHealthEquityLivelyno first choiceagainst: Benefit Resource, HealthEquity, Sterling Administration, TASC
Three alternatives
Forma, HSA Bank, WEX HealthTwo alternatives
Fidelity HSA, LivelyFour alternatives
Fidelity HSA, HSA Bank, Optum Financial, WEX HealthFour alternatives
CoreDocuments, Fidelity HSA, HealthEquity, Navia Benefit SolutionsMiniMax M2.5Businessolver, HealthEquity, WEX HealthHealthEquity, LivelyChangedFidelity HSALivelyno first choiceagainst: BASIC, HealthEquity, Navia Benefit Solutions, P&A Group, WageWorks
Two alternatives
Fidelity HSA, HSA BankThree alternatives
Fidelity HSA, Flores & Associates, Navia BenefitsThree alternatives
HSA Bank, HealthEquity, Optum BankFive alternatives
Avidia Bank, EmpowerFlex, Fidelity HSA, HSA Bank, HealthEquityGPT-6 LunaWEX Benefitsagainst: Fidelity HSANavia Benefit SolutionsChangedFidelity HSA, HSA Bank, HealthEquityagainst: Optum FinancialFidelity HSAno first choiceagainst: HealthEquity, Navia Benefit Solutions
One alternative
HealthEquityTwo alternatives
HealthEquity, WEX BenefitsOne alternative
SaturnaTwo alternatives
HealthEquity, LivelyMuse Glimmer 30BForma, HealthEquityHealthEquityChangedno first choiceAmeriflex, Fidelity HSA for small business, WEX Benefitsno first choiceagainst: HSA Bank, Health Matching Account Services Inc., HealthEquity, Inc., Optum Financial, Inc. / ConnectYourCare LLC, Rocky Mountain Reserve, UMB Financial Corporation, WEX Health Inc. / WEX for HSA/FSA management
Three alternatives
Businessolver, Fidelity HSA, WEX HealthFour alternatives
Businessolver, Flores, Navia Benefit Solutions, WEX HealthThree alternatives
Avidia Bank, Forma, LivelyBold 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 10:11 | no | 0 | 4 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 12:27 | yes | 2 | 6 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 08:56 | yes | 10 | 27 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-11-01 09:32 | yes | 10 | 5 s |
| Direct recommendation | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:16 | yes | 11 | 35 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:08 | yes | 5 | 5 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:48 | yes | 19 | 42 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:21 | yes | 5 | 2 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:03 | yes | 8 | 37 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 08:50 | yes | 16 | 31 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 10:03 | yes | 11 | 18 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 11:33 | yes | 5 | 31 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-11-01 10:19 | yes | 3 | 19 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:11 | yes | 18 | 28 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 09:32 | no | 0 | 4 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 11:33 | yes | 4 | 6 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 10:54 | yes | 10 | 21 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-11-01 11:33 | yes | 10 | 3 s |
| Paraphrase | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:24 | yes | 13 | 28 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:58 | yes | 5 | 6 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:46 | yes | 19 | 23 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:33 | yes | 5 | 3 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 11:07 | no | 0 | 30 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:43 | yes | 21 | 25 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 11:35 | yes | 23 | 30 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:34 | yes | 5 | 36 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:34 | yes | 3 | 14 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 11:22 | yes | 22 | 26 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 09:25 | yes | 16 | 9 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:12 | yes | 4 | 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 10:59 | yes | 11 | 21 s |
| Comparative | Perplexity Sonar | sonar | 2026-11-01 12:31 | yes | 10 | 6 s |
| Comparative | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:17 | yes | 20 | 38 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:40 | yes | 15 | 8 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 12:09 | yes | 22 | 33 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:46 | yes | 5 | 2 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:32 | yes | 5 | 21 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:33 | yes | 17 | 35 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:07 | yes | 10 | 109 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:45 | yes | 24 | 41 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:41 | yes | 4 | 43 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 08:57 | yes | 20 | 30 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 09:26 | yes | 14 | 9 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:50 | yes | 3 | 5 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 11:01 | yes | 6 | 17 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-11-01 11:36 | yes | 10 | 3 s |
| Budget constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:06 | yes | 21 | 37 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:49 | yes | 5 | 5 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 12:22 | yes | 24 | 25 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:15 | yes | 5 | 2 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:58 | yes | 5 | 37 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:35 | yes | 24 | 51 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 12:56 | yes | 23 | 40 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:07 | yes | 15 | 57 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:57 | yes | 4 | 21 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:51 | yes | 23 | 31 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 11:01 | yes | 12 | 11 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:54 | no | 0 | 8 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 09:13 | no | 0 | 16 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-11-01 12:06 | yes | 10 | 8 s |
| Scale constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:15 | yes | 10 | 28 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:03 | no | 0 | 9 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:53 | yes | 21 | 38 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:04 | yes | 5 | 3 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 08:38 | yes | 9 | 40 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 10:39 | yes | 24 | 34 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 12:21 | yes | 22 | 22 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 11:41 | no | 0 | 26 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:41 | yes | 3 | 18 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 11:35 | yes | 12 | 18 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 12:13 | yes | 18 | 9 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:06 | yes | 5 | 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 12:51 | no | 0 | 17 s |
| Negative framing | Perplexity Sonar | sonar | 2026-11-01 11:20 | yes | 10 | 5 s |
| Negative framing | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:08 | yes | 15 | 44 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:16 | yes | 10 | 8 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 12:11 | yes | 25 | 36 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:22 | yes | 8 | 4 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:59 | yes | 10 | 45 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:53 | yes | 24 | 45 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 10:00 | yes | 24 | 35 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:31 | yes | 10 | 44 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:51 | yes | 4 | 22 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 09:02 | yes | 19 | 22 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
Fidelity read as Fidelity HSA
Fidelity Investments read as Fidelity HSA
Navia read as Navia Benefit Solutions
Navia (formerly HealthEquity) read as Navia Benefit Solutions
Optum read as Optum Financial
Optum (UnitedHealth Group) read as Optum Financial
Optum (formerly Medavate) read as Optum Financial
Optum Bank / Optum Financial read as Optum Financial
WEX read as WEX Benefits
WEX (WEX Health) read as WEX Benefits
WEX (formerly Conduent) read as WEX Benefits
WEX (formerly WEX Health) read as WEX Benefits
WEX (formerly WageWorks) read as WEX Benefits
Unresolved, counted raw
Avidia
Avidian Bank
Benefit Resource, Inc. (BRI)
Benefitpro / Concentric
Beniversal
Boulder Administration Services
Cigna
Conduct
CoreDocuments (CoreAdmin)
Fidelity HSA for Employers
Fidelity HSA for small business
Gusto FSA
HealthEquity Standard HSA
Optum Financial, Inc. / ConnectYourCare LLC
Total Administrative Services Corporation (TASC)
UMB Bank / The HSA Authority
UMB Financial Corporation
WEX Health Inc. / WEX for HSA/FSA management
Discontinued, still offered
No shut-down product was recommended here.