HSA and FSA administrators for enterprise buyers
Asked as “HSA and FSA administrator”, and as “consumer-directed benefits administrator”, on behalf of an enterprise B2B company. 47 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each. Added to the November 2026 Edition.
Standing · first-choice share
68%
Clear leader
68HealthEquity11WEX Benefits09Forma13others
68% of first choices, clear leader.
Since October 2026▲+29Since October 2026: 39% → 68%, +29 points. Past the 13-point floor: movement.HealthEquity held the lead, +29 points on 39%, past the 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.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.Standing →Enterprise
HealthEquity68%Clear leader▲+29Since October 2026: 39% → 68%, +29 points. Past the 13-point floor: movement.This page
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.Standing →EnterpriseHealthEquity68%Clear leader▲+29Since October 2026: 39% → 68%, +29 points. Past the 13-point floor: movement.This pageThe standing
Share is the count of first choices across the direct, paraphrase, budget and scale prompts, over all fourteen models, for an enterprise B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrantSince October 2026
01HealthEquity68%15%65endorsed leader▲+29Since October 2026: 39% → 68%, +29 points. Past the 13-point floor: movement.39% → 68%
HealthEquity68%15%65endorsed leader▲+29Since October 2026: 39% → 68%, +29 points. Past the 13-point floor: movement.39% → 68%02
WEX Benefits11%7%44accepted challenger▼−7Since October 2026: 18% → 11%, −7 points. Inside the 13-point floor: within noise.18% → 11%
WEX Benefits11%7%44accepted challenger▼−7Since October 2026: 18% → 11%, −7 points. Inside the 13-point floor: within noise.18% → 11%03
Forma9%6%35accepted challenger▲+9Since October 2026: 0% → 9%, +9 points. Inside the 13-point floor: within noise.0% → 9%
Forma9%6%35accepted challenger▲+9Since October 2026: 0% → 9%, +9 points. Inside the 13-point floor: within noise.0% → 9%04
Fidelity HSA2%10%41accepted challenger▼−2Since October 2026: 4% → 2%, −2 points. Inside the 13-point floor: within noise.4% → 2%
Fidelity HSA2%10%41accepted challenger▼−2Since October 2026: 4% → 2%, −2 points. Inside the 13-point floor: within noise.4% → 2%05
Benepass2%0%11accepted challenger▼−5Since October 2026: 7% → 2%, −5 points. Inside the 13-point floor: within noise.7% → 2%
Benepass2%0%11accepted challenger▼−5Since October 2026: 7% → 2%, −5 points. Inside the 13-point floor: within noise.7% → 2%06
Navia Benefit Solutions2%25%16criticized challenger=heldSince October 2026: 2% → 2%, ±0 points. Inside the 13-point floor: within noise.2% → 2%
Navia Benefit Solutions2%25%16criticized challenger=heldSince October 2026: 2% → 2%, ±0 points. Inside the 13-point floor: within noise.2% → 2%07Inspira Financial2%9%11accepted challenger=heldSince October 2026: 2% → 2%, ±0 points. Inside the 13-point floor: within noise.2% → 2%
Show the six products at 0%, ordered by negative rate
12Optum Financial0%35%23criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise.0% → 0%
13
TASC0%18%11accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise.0% → 0%
TASC0%18%11accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise.0% → 0%08
HSA Bank0%14%29accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise.0% → 0%
HSA Bank0%14%29accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise.0% → 0%11Optum Bank0%12%17accepted challenger▼−4Since October 2026: 4% → 0%, −4 points. Inside the 13-point floor: within noise.4% → 0%
09Lively0%11%27accepted challenger▼−11Since October 2026: 11% → 0%, −11 points. Inside the 13-point floor: within noise.11% → 0%
Lively0%11%27accepted challenger▼−11Since October 2026: 11% → 0%, −11 points. Inside the 13-point floor: within noise.11% → 0%10
WEX Health0%8%12accepted challenger▼−4Since October 2026: 4% → 0%, −4 points. Inside the 13-point floor: within noise.4% → 0%
WEX Health0%8%12accepted challenger▼−4Since October 2026: 4% → 0%, −4 points. Inside the 13-point floor: within noise.4% → 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 enterprise.
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
One product takes 68% of first choices here, so the chart would put twelve markers in one corner and one at the far edge. The two measurements it plots are columns in the standing above: share, and the negative label rate. Two products carry a negative rate above 25% in this category.
What they warned about
Seven of fourteen models held their first choice under the paraphrase. Claude Haiku 4.5, GPT-5.4 mini, Llama 4 Maverick, Qwen 3.7 Flash, Kimi K2, GLM 4.7 FlashX and MiniMax M2.5 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.
HealthEquity15%
10 of 65 labels negative · 8 of 14 models · 3 hard negative
“Optum Financial, HealthEquity (and its WageWorks legacy), and Forma have the most documented systemic issues for large employers.” DeepSeek V4 Flash, negative prompt
Optum Financial
35%
8 of 23 labels negative · 8 of 14 models · 2 hard negative
“Optum Financial, HealthEquity (and its WageWorks legacy), and Forma have the most documented systemic issues for large employers.” DeepSeek V4 Flash, negative prompt
Sterling Administration83%
5 of 6 labels negative · 5 of 14 models · 2 hard negative
“Complaints include difficulty contacting customer service... Users reported claim denials due to submission timing issues” Claude Haiku 4.5, negative prompt
Navia Benefit Solutions25%
4 of 16 labels negative · 4 of 14 models · 1 hard negative
“Repeated complaints about: Excessive claim denials” MiniMax M2.5, 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
77 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. 966 links across 257 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.
45 answers · 46 citations · 12 models
publisher (Gane)35 answers · 40 citations · 10 models
vendor site · HealthEquity31 answers · 56 citations · 10 models
31 answers · 43 citations · 10 models
vendor site · Lead Change Group26 answers · 30 citations · 10 models
vendor site · Benepass24 answers · 28 citations · 10 models
vendor site · WEX Inc.23 answers · 42 citations · 11 models
22 answers · 24 citations · 10 models
21 answers · 21 citations · 10 models
19 answers · 19 citations · 9 models
vendor site · G218 answers · 28 citations · 11 models
18 answers · 24 citations · 10 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.
44 answers · 12 models
32 answers · 10 models
21 answers · 10 models
20 answers · 8 models
19 answers · 9 models
19 answers · 8 models
18 answers · 10 models
17 answers · 9 models
14 answers · 7 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 |
|---|---|---|---|---|---|---|---|---|
| HealthEquity healthequity.com | 68% | 177 | 450,000 | 1,903 | 1,323,750 | 120 | ||
| WEX wexinc.com WEX Benefits 11%, WEX Benefits Administration 2%, WEX Health 0% | 13% | 127 | 40,500 | 1,030 | 229,187 company | $181 | 86 | |
| Forma forma.ai | 9% | 248 | 49,500 | 43,054 | 6,459 | |||
| Fidelity HSA fidelity.com | 2% | 130 | 49,500 | 822 | 54,604,127 | $1,174 | 84 | |
| Benepass getbenepass.com | 2% | 149 | 14,800 | 99 | 30,964 | |||
| Navia naviabenefits.com Navia Benefit Solutions 2% | 2% | 74 | 3,600 | 33 | 81,648 company | 7 | ||
| Inspira Financial | 2% | 110,000 | 691 | |||||
| Businessolver businessolver.com | 2% | 39 | 6,600 | 121 | 31,252 | 0 | ||
| HSA Bank hsabank.com | 0% | 92 | 201,000 | 1,786 | 638,459 | $1 | 31 | 6 |
| Lively livelyme.com | 0% | 127 | 49,500 | 7,526,229 | 57,968 | 24 |
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 an enterprise B2B company?”Paraphrase“Which consumer-directed benefits administrator would you recommend to a large B2B company with thousands of employees?”Comparative“What are the top enterprise-grade HSA and FSA administrators and how do they differ?”Budget-constrained“What is the best HSA and FSA administrator for a large company that needs predictable total cost across thousands of users?”Scale-constrained“We are a 5,000 person company with SSO, SOC 2 and procurement review requirements evaluating a HSA and FSA administrator. What should we look at?”Negative“Which HSA and FSA administrators should a large enterprise avoid or be cautious about?”
Claude Haiku 4.5Benepassno first choiceChangedHealthEquity, WEX Healthagainst: Fidelity HSAHealthEquityno first choiceagainst: HSA Bank, Optum Bank, PayFlex, Sterling Administration
Three alternatives
HSA Bank, HealthEquity, WEX HealthThree alternatives
BASIC, Optum Bank, TASCTwo alternatives
Benepass, WEX HealthGPT-5.4 miniWEX BenefitsBusinessolverChangedWEX BenefitsHealthEquityno first choiceagainst: HealthEquity, Navia Benefit Solutions, Optum Financial, WEX Benefits
Three alternatives
ADP Workforce Now, Forma, Workday HCMOne alternative
HealthEquityTwo alternatives
Bank of America, Optum FinancialOne alternative
WEX BenefitsGemini 3.5 FlashHealthEquityHealthEquityHeldFidelity HSAFidelity HSAno first choiceagainst: HealthEquity, Inspira Financial, Optum Financial
Four alternatives
Benepass, Fidelity HSA, Forma, WEX BenefitsFour alternatives
Benepass, Fidelity HSA, Forma, WEX BenefitsFive alternatives
Benepass, Forma, HealthEquity, Optum Financial, WEX BenefitsFour alternatives
First Dollar, Forma, HealthEquity, WEX BenefitsPerplexity SonarHealthEquityagainst: LivelyHealthEquityHeldHealthEquityagainst: LivelyHealthEquityagainst: Fidelity HSAno first choiceagainst: Optum Financial
Four alternatives
Forma, HSA Bank, Optum Financial, WEX BenefitsFour alternatives
Alight, Benefitfocus, Businessolver, HSA BankFive alternatives
Fidelity HSA, Forma, HSA Bank, Optum Financial, WEX BenefitsThree alternatives
HSA Bank, Navia Benefit Solutions, WEX BenefitsGrok 4.20HealthEquityagainst: Forma, LivelyHealthEquityHeldHealthEquityFormaagainst: HealthEquityHealthEquityagainst: Alight Solutions, HRC Total Solutions, HealthEquity, P&A Group, Paylocity, TASC, WEX Benefits
Three alternatives
Optum Financial, TASC, WEX BenefitsFour alternatives
Fidelity HSA, HSA Bank, Optum Financial, WEX BenefitsSeven alternatives
Fidelity HSA, Forma, HSA Bank, Inspira Financial, Lively, Optum Financial, WEX HealthTwo alternatives
Navia Benefit Solutions, WEX BenefitsFive alternatives
Fidelity HSA, Further, Lively, Optum Financial, WEX HealthMistral SmallHealthEquityHealthEquityHeldHealthEquityFormano first choiceagainst: Admin America, HealthEquity, P&A Group, Rocky Mountain Reserve, Sterling Administration, WEX Health
Two alternatives
Forma, WEX BenefitsOne alternative
WEX BenefitsThree alternatives
Fidelity HSA, Lively, WEX BenefitsOne alternative
WEX BenefitsDeepSeek V4 FlashHealthEquityHealthEquityHeldHealthEquity, WEX BenefitsHealthEquityHealthEquityagainst: Admin America, Forma, HealthEquity, Optum Bank, Optum Financial, Sterling Administration
Three alternatives
Fidelity HSA, Lively, WEX BenefitsFive alternatives
Fidelity HSA, Forma, Lively, Optum Bank, WEX HealthFour alternatives
Fidelity HSA, Forma, HSA Bank, Optum BankFour alternatives
Fidelity HSA, Forma, Navia Benefit Solutions, WEX HealthFour alternatives
Fidelity HSA, Forma, HSA Bank, WEX HealthLlama 4 Maverickno first choiceHealthEquityChangedno first choiceWEX Benefitsno first choicenothing named
Three alternatives
Driven Benefit Administrators, Navia Benefits, WEX BenefitsOne alternative
HealthEquityQwen 3.7 FlashHealthEquityInspira FinancialChangedWEX BenefitsHealthEquity, Navia Benefit Solutionsno first choicenothing named
Two alternatives
Forma, WEX BenefitsOne alternative
WageWorksThree alternatives
Forma, HealthEquity, LivelyThree alternatives
Benepass, Forma, WEX Inc.Kimi K2Forma, HealthEquityWEX BenefitsChangedagainst: ASIFlex, Chard Snyder, HealthEquityHealthEquityagainst: HSA BankHealthEquityagainst: Fidelity HSAHealthEquityagainst: Discovery Benefits, HSA Bank, HealthEquity, Optum Financial, Rocky Mountain Reserve, Sterling Administration, WageWorks
One alternative
WEX BenefitsOne alternative
LivelyFour alternatives
Fidelity HSA, Lively, Optum Bank, WEX BenefitsOne alternative
WEX HealthFour alternatives
Further, HSA Bank, Lively, Optum BankGLM 4.7 FlashXWEX Benefits AdministrationHealthEquityChangedForma, HealthEquityHealthEquityagainst: WEX Benefitsno first choiceagainst: HSA Bank, HealthEquity, Navia Benefit Solutions, NueSynergy, Sterling Administration, Tax Saver Plan
Two alternatives
HealthEquity, LivelyTwo alternatives
Forma, WEX BenefitsNine alternatives
Ameriflex, Benepass, Businessolver, Fidelity HSA, Flores & Associates, HSA Bank, Navia Benefit Solutions, Thatch, WEX HealthOne alternative
FormaMiniMax M2.5HealthEquityHealthEquity, WEX BenefitsChangedWEX HealthForma, HealthEquityno first choiceagainst: Alight Solutions, HRC Total Solutions, Health Matching Account Services, Inspira, Navia Benefit Solutions, Optum Financial, Rocky Mountain Reserve, TASC
Three alternatives
Forma, Lively, WEX BenefitsThree alternatives
Aon Benefit Experience, Benepass, ConduentFive alternatives
Fidelity HSA, Forma, HSA Bank, HealthEquity, Navia Benefit SolutionsTwo alternatives
Fidelity HSA, LivelyGPT-6 LunaHealthEquityHealthEquityHeldHealthEquity, WEX Benefitsagainst: Fidelity HSA, Optum FinancialWEX Benefitsagainst: HealthEquityno first choiceagainst: HealthEquity, including WageWorks and Further, Navia Benefit Solutions
Three alternatives
Fidelity HSA, Optum Financial, WEX BenefitsTwo alternatives
Optum Financial, WEX BenefitsTwo alternatives
HSA Bank, Navia Benefit SolutionsOne alternative
Navia Benefit SolutionsMuse Glimmer 30BHealthEquityHealthEquityHeldHealthEquity, WEX BenefitsHealthEquityno first choiceagainst: Health Matching Account Services Inc., HealthEquity, Inc., Optum Financial
Four alternatives
Fidelity HSA, Optum Bank, Optum Financial, WEX BenefitsOne alternative
WEX BenefitsFive alternatives
Fidelity HSA, Forma, Further, HSA Bank, Optum BankTwo alternatives
Fidelity HSA, FormaBold 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 08:44 | yes | 13 | 8 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 11:22 | yes | 2 | 5 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 08:44 | yes | 6 | 24 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-11-01 10:00 | yes | 10 | 4 s |
| Direct recommendation | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:24 | yes | 14 | 28 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 10:13 | yes | 8 | 6 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:26 | yes | 22 | 30 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 11:10 | yes | 5 | 2 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 11:56 | yes | 5 | 14 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 10:56 | yes | 12 | 16 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 10:35 | yes | 16 | 20 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 11:15 | yes | 9 | 24 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:31 | yes | 5 | 20 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 08:58 | yes | 12 | 16 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 12:14 | no | 0 | 4 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 08:44 | yes | 2 | 5 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 12:56 | no | 0 | 16 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-11-01 09:38 | yes | 10 | 3 s |
| Paraphrase | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:29 | yes | 14 | 29 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:15 | yes | 5 | 9 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 12:42 | yes | 21 | 28 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 08:51 | yes | 5 | 2 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:05 | yes | 10 | 53 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:54 | yes | 23 | 54 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 11:40 | yes | 17 | 48 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:50 | yes | 8 | 34 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:07 | yes | 3 | 14 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:14 | yes | 14 | 15 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 08:58 | yes | 16 | 10 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:54 | 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 09:49 | yes | 8 | 23 s |
| Comparative | Perplexity Sonar | sonar | 2026-11-01 09:03 | yes | 10 | 8 s |
| Comparative | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:31 | yes | 5 | 41 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:50 | yes | 9 | 7 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:30 | yes | 16 | 32 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:00 | yes | 5 | 3 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 11:52 | yes | 16 | 59 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:05 | yes | 24 | 55 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 11:29 | yes | 24 | 130 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:43 | yes | 12 | 154 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-11-01 10:55 | yes | 6 | 35 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 08:37 | yes | 12 | 31 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 09:13 | yes | 16 | 10 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 12:54 | 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 09:30 | yes | 5 | 25 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-11-01 12:24 | yes | 10 | 6 s |
| Budget constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:28 | yes | 15 | 34 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:37 | yes | 5 | 4 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 08:50 | yes | 20 | 53 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:30 | yes | 5 | 3 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:47 | yes | 8 | 52 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 10:53 | yes | 19 | 75 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 10:12 | yes | 22 | 123 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 11:13 | yes | 5 | 35 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:19 | yes | 3 | 15 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 08:56 | yes | 22 | 34 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 11:05 | yes | 25 | 21 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:37 | no | 0 | 7 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 12:32 | no | 0 | 18 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-11-01 12:42 | yes | 10 | 11 s |
| Scale constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:20 | yes | 15 | 38 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 10:25 | no | 0 | 9 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:45 | yes | 23 | 41 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:25 | yes | 5 | 4 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:35 | no | 0 | 31 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:33 | yes | 22 | 34 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 12:04 | yes | 22 | 82 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:34 | no | 0 | 22 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:19 | yes | 6 | 26 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:47 | yes | 22 | 33 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 11:41 | yes | 28 | 11 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 11:13 | yes | 6 | 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 09:06 | yes | 15 | 20 s |
| Negative framing | Perplexity Sonar | sonar | 2026-11-01 10:50 | yes | 10 | 7 s |
| Negative framing | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:13 | yes | 9 | 39 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 10:55 | yes | 15 | 10 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:26 | yes | 25 | 29 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:28 | yes | 5 | 3 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 11:47 | yes | 5 | 35 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 12:22 | yes | 25 | 36 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:53 | yes | 25 | 51 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 11:25 | yes | 24 | 51 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-11-01 10:01 | yes | 3 | 23 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 11:53 | yes | 24 | 35 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
Fidelity Investments (Fidelity Health) read as Fidelity HSA
Navia read as Navia Benefit Solutions
Optum read as Optum Financial
Optum Bank / Optum Financial read as Optum Financial
WEX read as WEX Benefits
WEX (Benefits Division) read as WEX Benefits
WEX (Direct Enterprise Administration) read as WEX Benefits
WEX (WEX Benefits) read as WEX Benefits
WEX (WEX Health / WEX Benefits) read as WEX Benefits
WEX (WEX Health) read as WEX Benefits
WEX (formerly FEX) read as WEX Benefits
WEX (formerly WEX Health) read as WEX Benefits
WEX (formerly WageWorks) read as WEX Benefits
WEX (including WageWorks heritage) read as WEX Benefits
Unresolved, counted raw
Alegeus-backed providers
Aon Benefit Experience
Blue Shield
Driven Benefit Administrators
Haven Life
HealthEquity, including WageWorks and Further
Tax Saver Plan
UMB Bank
UMB Healthcare Services
UnitedHealth Group Optum
WEX Benefits Administration
Discontinued, still offered
No shut-down product was recommended here.