Index › HR › Compensation and total rewards › HSA & FSA admin › Small business · November 2026 Edition
HSA and FSA administrators for small business buyers
Asked as “HSA and FSA administrator”, and as “consumer-directed benefits administrator”, on behalf of a small B2B company. 49 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each. Added to the November 2026 Edition.
Standing · first-choice share
47%
Clear leader
47Lively10Fidelity HSA10Gusto33others
47% of first choices, clear leader.
Since October 2026▲+10Since October 2026: 37% → 47%, +10 points. Inside the 13-point floor: within noise.Lively held the lead, +10 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
Lively47%Clear leader▲+10Since October 2026: 37% → 47%, +10 points. Inside the 13-point floor: within noise.This pageMid-marketLively26%Contested↗new leaderNew leader since October 2026: Lively (26%) replaces HealthEquity (29% then, 22% now), 4 points clear, inside the 13-point floor.Standing →Enterprise
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.This pageMid-marketLively26%Contested↗new leaderNew leader since October 2026: Lively (26%) replaces HealthEquity (29% then, 22% now), 4 points clear, inside the 13-point floor.Standing →EnterpriseHealthEquity68%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 small B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrantSince October 2026
01Lively47%2%57endorsed leader▲+10Since October 2026: 37% → 47%, +10 points. Inside the 13-point floor: within noise.37% → 47%
Lively47%2%57endorsed leader▲+10Since October 2026: 37% → 47%, +10 points. Inside the 13-point floor: within noise.37% → 47%02
Fidelity HSA10%7%43accepted challenger▲+3Since October 2026: 7% → 10%, +3 points. Inside the 13-point floor: within noise.7% → 10%
Fidelity HSA10%7%43accepted challenger▲+3Since October 2026: 7% → 10%, +3 points. Inside the 13-point floor: within noise.7% → 10%03
Gusto10%3%36accepted challenger=heldSince October 2026: 10% → 10%, ±0 points. Inside the 13-point floor: within noise.10% → 10%
Gusto10%3%36accepted challenger=heldSince October 2026: 10% → 10%, ±0 points. Inside the 13-point floor: within noise.10% → 10%04
Forma8%0%23accepted challenger▲+8Since October 2026: 0% → 8%, +8 points. Inside the 13-point floor: within noise.0% → 8%
Forma8%0%23accepted challenger▲+8Since October 2026: 0% → 8%, +8 points. Inside the 13-point floor: within noise.0% → 8%05
WEX Benefits6%31%32criticized challenger▼−1Since October 2026: 7% → 6%, −1 point. Inside the 13-point floor: within noise.7% → 6%
WEX Benefits6%31%32criticized challenger▼−1Since October 2026: 7% → 6%, −1 point. Inside the 13-point floor: within noise.7% → 6%06
Navia Benefit Solutions4%22%18accepted challenger▲+2Since October 2026: 2% → 4%, +2 points. Inside the 13-point floor: within noise.2% → 4%
Navia Benefit Solutions4%22%18accepted challenger▲+2Since October 2026: 2% → 4%, +2 points. Inside the 13-point floor: within noise.2% → 4%07HealthEquity4%38%60criticized challenger▼−4Since October 2026: 8% → 4%, −4 points. Inside the 13-point floor: within noise.8% → 4%
HealthEquity4%38%60criticized challenger▼−4Since October 2026: 8% → 4%, −4 points. Inside the 13-point floor: within noise.8% → 4%Show the three products at 0%, ordered by negative rate
10Optum Bank0%20%10accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise.0% → 0%
09
WEX Health0%20%10accepted challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 13-point floor: within noise.2% → 0%
WEX Health0%20%10accepted challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 13-point floor: within noise.2% → 0%08
HSA Bank0%15%26accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise.0% → 0%
HSA Bank0%15%26accepted 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.
Head to headHead-to-head pages are published for mid-market buyers, so these open on mid-market figures, not small business.
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 →
010203040506070809O10
Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative60%
Key
01Lively47%
Lively47%02Fidelity HSA10%
Fidelity HSA10%03Gusto10%
Gusto10%04Forma8%
Forma8%05WEX Benefits6%
WEX Benefits6%06Navia Benefit Solutions4%
Navia Benefit Solutions4%07HealthEquity4%
HealthEquity4%08HSA Bank0%
HSA Bank0%09WEX Health0%
WEX Health0%10Optum Bank0%
What they warned about
Three of fourteen models held their first choice under the paraphrase. Claude Haiku 4.5, GPT-5.4 mini, Gemini 3.5 Flash, Perplexity Sonar, Grok 4.20, Mistral Small, Llama 4 Maverick, Qwen 3.7 Flash, 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.
HealthEquity38%
23 of 60 labels negative · 13 of 14 models · 7 hard negative
“Traditional providers like HealthEquity or WEX may advertise a low fee like "$2.50 per employee", but hide a $50 to $100 monthly minimum charge” Gemini 3.5 Flash, budget prompt
WEX Benefits31%
10 of 32 labels negative · 8 of 14 models · 3 hard negative
“WEX Benefits | 1/5 stars | Overly strict requirements, difficult tax reporting, data errors” GLM 4.7 FlashX, negative prompt
Sterling Administration100%
6 of 6 labels negative · 6 of 14 models · 4 hard negative
“Complaints include problems transferring HSA funds, inability to reach customer service, and delays in processing withdrawals.” Mistral Small, negative prompt
Rocky Mountain Reserve
100%
4 of 4 labels negative · 4 of 14 models · 4 hard negative
“delayed/missing debit cards and difficult FSA card claims, which for a small business with limited HR staff translates into employee complaints and manual claim work” 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
75 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 210 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.
publisher (Gane)43 answers · 45 citations · 10 models
36 answers · 41 citations · 11 models
vendor site · Lead Change Group30 answers · 48 citations · 9 models
30 answers · 34 citations · 10 models
29 answers · 32 citations · 10 models
25 answers · 57 citations · 10 models
21 answers · 22 citations · 9 models
20 answers · 21 citations · 10 models
vendor site · Fidelity19 answers · 29 citations · 11 models
vendor site · G218 answers · 23 citations · 9 models
17 answers · 21 citations · 7 models
vendor site · HealthEquity15 answers · 25 citations · 9 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.
42 answers · 10 models
35 answers · 11 models
28 answers · 9 models
26 answers · 10 models
21 answers · 8 models
18 answers · 9 models
16 answers · 11 models
16 answers · 8 models
14 answers · 9 models
14 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 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 | 47% | 127 | 49,500 | 7,526,229 | 57,968 | 24 | ||
| Fidelity HSA fidelity.com | 10% | 130 | 49,500 | 822 | 54,604,127 | $1,174 | 84 | |
| Gusto gusto.com | 10% | 742 | 673,000 | 10,560 | 1,629,483 | 118 | ||
| Forma forma.ai | 8% | 248 | 49,500 | 43,054 | 6,459 | |||
| WEX wexinc.com WEX Benefits 6%, WEX Health 0% | 6% | 127 | 40,500 | 1,030 | 229,187 company | $181 | 86 | |
| Hammock usehammock.co | 4% | 9 | ||||||
| Navia naviabenefits.com Navia Benefit Solutions 4% | 4% | 74 | 3,600 | 33 | 81,648 company | 7 | ||
| HealthEquity healthequity.com | 4% | 177 | 450,000 | 1,903 | 1,323,750 | 120 | ||
| Rippling rippling.com | 2% | 1438 | 301,000 | 17,886 | 712,399 | $42,013 | 115 | |
| PeopleKeep peoplekeep.com | 2% | 36 |
Google's top ten for the three searches hold 24 sites; 1 of them are among the sites the models cited here (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 small B2B company?”Paraphrase“Which consumer-directed benefits administrator would you recommend to a small business that sells to other businesses?”Comparative“What are the top HSA and FSA administrators for a small team and how do they differ?”Budget-constrained“What is the best HSA and FSA administrator for a small company with a tight budget?”Scale-constrained“We are a 30 person company evaluating a HSA and FSA administrator. What should we look at?”Negative“Which HSA and FSA administrators should a small business avoid or be cautious about?”
Claude Haiku 4.5Fidelity HSAno first choiceChangedFidelity HSA, LivelyFidelity HSAno first choiceagainst: HSA Bank, Optum Bank, P&A Group, Sterling Administration
Three alternatives
Benepass, HSA Bank, LivelyTwo alternatives
Avidia Health, BASICThree alternatives
BASIC, HealthEquity, LivelyGPT-5.4 miniGustoTake CommandChangedagainst: Gusto, OnPayHSA Bank, WEX BenefitsGustono first choiceagainst: Admin America, BPAS, Businessolver, Employee Benefits Corporation, Health Savings Administrators LLC, HealthEquity
Two alternatives
Fidelity HSA, KeyBank HSATwo alternatives
HealthEquity, WageWorksThree alternatives
Fidelity HSA, Optum Financial, PaychexTwo alternatives
HSA Bank, HealthEquityGemini 3.5 FlashLivelyRipplingChangedLivelyLivelyagainst: HealthEquity, Navia Benefit Solutions, WEX Benefitsno first choiceagainst: HealthEquity, Navia Benefit Solutions, WEX Benefitsagainst: HealthEquity, Optum Financial, WageWorks
Five alternatives
Fidelity HSA, Gusto, Hammock, HealthEquity, RipplingFour alternatives
Gusto, Lively, Navia Benefit Solutions, PeopleKeepSix alternatives
Benepass, Fidelity HSA, Forma, HSA Bank, HealthEquity, Navia Benefit SolutionsTwo alternatives
Fidelity HSA, Gusto Built-in BenefitsFour alternatives
FirstDollar, Gusto, Lively, RipplingPerplexity SonarHealthEquityLivelyChangedLivelyagainst: BenepassLivelyno first choiceagainst: HealthEquity, Optum Financial, WEX Benefits
Six alternatives
Benepass, Forma, Gusto, Lively, Optum Financial, The Difference CardThree alternatives
BASIC, Gusto, WEX BenefitsFive alternatives
Fidelity HSA, HSA Bank, HealthEquity, Optum Financial, WEX BenefitsTwo alternatives
HSA Bank, HealthEquityGrok 4.20LivelyWEX BenefitsChangedLivelyLivelyagainst: HealthEquityLivelyagainst: HealthEquityagainst: Benefit Resource, HSA Bank, HealthEquity, Sterling Administration, TASC, WEX Health
Five alternatives
Forma, Gusto, HSA Bank, HealthEquity, WEX HealthThree alternatives
Elevate, PeopleKeep, Take Command HealthFour alternatives
Forma, HSA Bank, HealthEquity, WEX BenefitsOne alternative
GustoOne alternative
FormaMistral SmallForma, HammockLivelyChangedLivelyFidelity HSA, Livelyno first choiceagainst: HealthEquity, Rocky Mountain Reserve, Sterling Administration, WEX Health
Five alternatives
Fidelity HSA, HSA Bank, HealthEquity, Lively, WEX BenefitsFour alternatives
Cafe Health, Gusto, Navia Benefit Solutions, Take CommandTwo alternatives
Gusto, HealthEquityTwo alternatives
HSA Bank, ThatchDeepSeek V4 FlashLivelyagainst: HealthEquityLivelyHeldagainst: Fidelity HSA, HealthEquity, PeopleKeep, WEX BenefitsLivelyagainst: Optum BankLivelyagainst: HealthEquityForma, Gusto, WEX Benefitsagainst: Fidelity HSA, HealthEquityagainst: HealthEquity, Navia Benefit Solutions, Optum Financial, Paylocity, Sterling Administration
Five alternatives
Benepass, Fidelity HSA, Forma, Gusto, TASCTwo alternatives
Forma, GustoFive alternatives
Benepass, Fidelity HSA, Forma, HealthEquity, WEX HealthTwo alternatives
Avidia Bank, HSA BankTwo alternatives
Lively, Optum FinancialLlama 4 Maverickno first choiceLivelyChangedFormano first choiceno first choiceagainst: HealthEquity, Sterling Administration
Four alternatives
Gusto, HealthEquity, PeopleKeep, WEX BenefitsThree alternatives
Fidelity HSA, HealthEquity, LivelyQwen 3.7 FlashFormaHealthEquityChangedHealthEquity, Livelyagainst: Fidelity HSA, HSA BankLivelyno first choiceagainst: HealthEquity, Rocky Mountain Reserve, Sterling Administration, WEX Benefits
Four alternatives
Fidelity HSA, Hammock, HealthEquity, LivelyThree alternatives
Fidelity HSA, Haven Health, WEX HealthTwo alternatives
Admin America, GustoThree alternatives
Fidelity HSA, Forma, Gusto BenefitsKimi K2Livelyagainst: HealthEquity, WEX BenefitsLivelyHeldLivelyLivelyno first choiceagainst: Discovery Benefits, HealthEquity, National Benefit Services, Rocky Mountain Reserve, WEX Benefits, WageWorks
Three alternatives
Fidelity HSA, Gusto, The Difference CardTwo alternatives
Elevate, WEX HealthFour alternatives
Fidelity HSA, Gusto, HealthEquity, WEX HealthThree alternatives
Avidia Bank, Bend HSA, FurtherGLM 4.7 FlashXLivelyLivelyHeldLivelyFidelity HSAHammockagainst: HealthEquity, TASC, WEX Benefits
One alternative
GustoOne alternative
HealthEquityEight alternatives
Employee Navigator, Fidelity HSA, Forma, Gusto, HealthEquity, OnPay, Paylocity, ThatchThree alternatives
Gusto, HSA Bank, LivelyFour alternatives
Fidelity HSA, HSA Bank, HealthEquity, LivelyMiniMax M2.5Livelyagainst: HealthEquityNavia Benefit SolutionsChangedLivelyFidelity HSA, Navia Benefit Solutionsno first choiceagainst: Ascensus, HSA Bank, HealthEquity, TASC, WEX Benefits
Three alternatives
Fidelity HSA, Forma, GustoTwo alternatives
Benemax, GustoFour alternatives
Admin America, EmpowerFlex, HealthEquity, WEX BenefitsTwo alternatives
Complete Payroll Solutions, PAYPROtpaGPT-6 LunaGusto, LivelyPeopleKeepChangedLivelyagainst: WEX BenefitsGustoagainst: Livelyno first choiceagainst: HealthEquity, Navia Benefit Solutions
Two alternatives
HealthEquity, Navia Benefit SolutionsThree alternatives
HealthEquity, Take Command, WEX BenefitsThree alternatives
Fidelity HSA, HealthEquity, Navia Benefit SolutionsOne alternative
Navia Benefit SolutionsMuse Glimmer 30BForma, WEX BenefitsLivelyChangedLivelyagainst: HealthEquityLivelyno first choiceagainst: HSA Store Inc., HealthEquity, Inc., Rocky Mountain Reserve
Two alternatives
Hammock, LivelyThree alternatives
Gusto, HealthEquity, WEX HealthSeven alternatives
Avidia Bank, Fidelity HSA, Forma, Gusto, HSA Bank, Hammock, WEX BenefitsFive alternatives
Fidelity HSA, Gusto, Hammock, Navia Benefit Solutions, WEX BenefitsBold 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 11:05 | yes | 10 | 7 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:02 | yes | 3 | 4 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 10:12 | yes | 9 | 22 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-11-01 12:52 | yes | 10 | 4 s |
| Direct recommendation | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:20 | yes | 18 | 38 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:53 | yes | 5 | 5 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 08:46 | yes | 21 | 33 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 11:25 | yes | 5 | 2 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 11:19 | yes | 5 | 27 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 10:34 | yes | 10 | 14 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 12:51 | yes | 24 | 243 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:33 | yes | 14 | 55 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-11-01 10:13 | yes | 4 | 21 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 09:01 | yes | 14 | 25 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 09:39 | no | 0 | 4 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:39 | yes | 3 | 4 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 10:37 | no | 0 | 15 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-11-01 08:39 | yes | 10 | 3 s |
| Paraphrase | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:25 | yes | 5 | 24 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 10:52 | yes | 5 | 21 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:14 | yes | 25 | 30 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 08:56 | yes | 5 | 2 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:05 | no | 0 | 29 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 12:48 | yes | 20 | 23 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 08:52 | yes | 25 | 55 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:08 | yes | 5 | 34 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:41 | yes | 2 | 13 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 08:49 | yes | 20 | 28 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 11:55 | yes | 18 | 11 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 11:52 | yes | 6 | 8 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 12:18 | yes | 10 | 23 s |
| Comparative | Perplexity Sonar | sonar | 2026-11-01 08:39 | yes | 10 | 6 s |
| Comparative | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:24 | yes | 15 | 41 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:09 | yes | 13 | 9 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:09 | yes | 22 | 33 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:09 | yes | 9 | 4 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:30 | yes | 5 | 26 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:25 | yes | 22 | 40 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 10:53 | yes | 12 | 21 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:16 | yes | 20 | 44 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:12 | yes | 6 | 20 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 09:15 | yes | 10 | 34 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 11:42 | yes | 17 | 8 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:46 | yes | 5 | 8 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 09:23 | yes | 11 | 23 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-11-01 12:43 | yes | 10 | 4 s |
| Budget constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:12 | yes | 21 | 36 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:57 | yes | 5 | 4 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:36 | yes | 20 | 20 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:44 | yes | 5 | 3 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 11:06 | yes | 23 | 87 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 08:53 | yes | 21 | 52 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:23 | yes | 21 | 25 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:07 | yes | 22 | 56 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 10:41 | yes | 3 | 19 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:55 | yes | 22 | 34 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 11:22 | no | 0 | 7 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:10 | 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 10:29 | no | 0 | 18 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-11-01 08:46 | yes | 10 | 7 s |
| Scale constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:08 | yes | 13 | 31 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:58 | no | 0 | 8 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:51 | yes | 18 | 45 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:12 | yes | 5 | 3 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 08:50 | no | 0 | 33 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:41 | yes | 13 | 56 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 11:07 | yes | 13 | 61 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 11:57 | no | 0 | 20 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:32 | yes | 4 | 25 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:17 | yes | 15 | 20 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 10:48 | yes | 18 | 9 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 12:40 | yes | 6 | 6 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 10:54 | yes | 8 | 20 s |
| Negative framing | Perplexity Sonar | sonar | 2026-11-01 11:20 | yes | 10 | 4 s |
| Negative framing | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:23 | yes | 14 | 36 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 08:50 | yes | 10 | 8 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:28 | yes | 23 | 33 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 10:14 | yes | 5 | 3 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:34 | yes | 5 | 36 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 10:45 | yes | 22 | 70 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 12:20 | yes | 21 | 38 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:39 | yes | 15 | 90 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:31 | yes | 6 | 25 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 09:33 | 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
Fidelity read as Fidelity HSA
Fidelity (Savings Plus) read as Fidelity HSA
Fidelity Investments read as Fidelity HSA
Navia read as Navia Benefit Solutions
Optum read as Optum Financial
WEX read as WEX Benefits
WEX (Health) read as WEX Benefits
WEX (Wex Inc.) read as WEX Benefits
Unresolved, counted raw
ABG Benefit Solutions
ABR
Bend Financial
Bend HSA
Cafe Health
FSAstore.com
FirstDollar
Gusto Built-in Benefits
HSA Store Inc.
Haven Health
Health Savings Administrators LLC
Huma
KeyBank
KeyBank HSA
PAYPROtpa
SelectAccount
SimpleHSA / Thru
TriZetto
Discontinued, still offered
No shut-down product was recommended here.