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Index › HR › Compensation and total rewards › HSA & FSA admin › Lively vs Navia Benefit Solutions
HSA and FSA administrators · November 2026 Edition

Lively vs Navia Benefit Solutions

Two of fourteen models named Lively first on the direct prompt; zero named Navia Benefit Solutions. Lively was named by fourteen of the fourteen models and Navia Benefit Solutions by twelve and Lively carries 39 labels and Navia Benefit Solutions 35, so the shares are not directly comparable.

Lively

accepted challenger

Named in two categories this edition.

Navia Benefit Solutions

accepted challenger

Named in three categories this edition.

First-choice share26%4%Of first choices across the direct, paraphrase, budget and scale prompts, 0 to 100.
Negative rate3%11%Negative labels as a share of the product's labels, 0 to 100.
Rank in category#1#7A position in a field of 14; printed, not drawn.
Labels3935A count; the two differ.
The two percentage rows are drawn on one 0 to 100 track, Lively reading right to left. Rank and label count are printed, not drawn.HealthEquity was named alongside these two in eleven of the fourteen direct answers. Lively vs HealthEquity · Lively vs WEX Benefits · Lively vs WEX Health

Share is the count of first choices across the direct, paraphrase, budget and scale prompts over all fourteen models, for a mid-market B2B company; rank is within the category; every quote names the model and the prompt it came from. Both figures come from the HSA and FSA administrators page.

By framing

How many of the fourteen models made each the first choice, per way of asking, and how many argued against it.
LivelyFirst choices, of fourteen modelsNavia Benefit Solutions
Direct20
Paraphrase121 against Navia Benefit Solutions
Comparative001 against Lively
Budget-constrained100
Scale-constrained00
Negative103 against Navia Benefit Solutions
Bars are first choices, 0 to 14 each sideModels that argued againstA model can name both, so the two sides of a row do not sum to fourteen.

Across every category in the November 2026 Edition, Lively and Navia Benefit Solutions were named in the same answer thirty-seven times, of the 132 answers naming Lively and the 77 naming Navia Benefit Solutions. In those answers Navia Benefit Solutions took the first choice one time and Lively fifteen.

Every model, every framing

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

The direct prompt

The plain question, one answer per model, grouped by where Lively and Navia Benefit Solutions stood in it.

Lively first, Navia Benefit Solutions an alternative

2 of 14 modelsNavia Benefit Solutions was named in the answer but not as the choice, or not at all.
Gemini 3.5 FlashLively alternatives: Fidelity HSA, HealthEquity, WEX Benefits
Kimi K2Lively alternatives: Fidelity HSA, HealthEquity, Navia Benefit Solutions, WEX Benefits

Neither was the first choice, one was named

3 of 14 modelsThe answer put something else first and named one of the two as an alternative.
Grok 4.20HealthEquity alternatives: Businessolver, Navia Benefit Solutions, WEX Health
DeepSeek V4 FlashForma, HealthEquity alternatives: Businessolver, Fidelity HSA, HSA Bank, Navia Benefit Solutions, WEX Benefits
Qwen 3.7 FlashHealthEquity alternatives: Fidelity HSA, Navia Benefit Solutions

Neither was named

9 of 14 modelsThe answer made no first choice from these two in this category.
Claude Haiku 4.5no first choice
GPT-5.4 miniFidelity HSA alternatives: Paychex, WEX Benefits
Perplexity SonarHealthEquity alternatives: Businessolver, WEX Benefits
Mistral SmallForma, HealthEquity, WEX Health
Llama 4 Maverickno first choice
GLM 4.7 FlashXFidelity HSA, HealthEquity alternatives: Forma, HSA Bank, WEX Health
MiniMax M2.5Businessolver, HealthEquity, WEX Health alternatives: Fidelity HSA, HSA Bank
GPT-6 LunaWEX Benefits alternatives: HealthEquity
Muse Glimmer 30BForma, HealthEquity alternatives: Businessolver, Fidelity HSA, WEX Health

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

By buyer segment

The same question asked on behalf of a different buyer. Each standing is computed within its segment and they are never added together. The figures above are the mid-market standing, which is the one the category orders by.
Small business
Lively leads by forty-three points.
Lively47%#1 of 10
Navia Benefit Solutions4%#6 of 10
The full small business standing →
Mid-marketThe figures above
Lively leads by twenty-two points.
Lively26%#1 of 14
Navia Benefit Solutions4%#7 of 14
The full mid-market standing →
Enterprise
The order flips: Navia Benefit Solutions leads at enterprise.
Navia Benefit Solutions2%#6 of 13
Lively0%#9 of 13
The full enterprise standing →

What the models said about Lively

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

“Rated “Above Average” for spending, “Average” for investing.” Mistral Small · comparative prompt · soft negative
“For most mid-market B2B companies, Lively offers the best combination of modern technology, transparent pricing, and strong customer service.” Kimi K2 · direct prompt · first choice
“Lively is likely the best starting point if you want one modern platform for both HSA and FSA administration” Perplexity Sonar · budget prompt · first choice
“Lively is likely the best choice because: It offers both HSA and FSA administration under one platform” MiniMax M2.5 · budget prompt · first choice

What the models said about Navia Benefit Solutions

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

“Repeated complaints include: Claims being denied multiple times without clear explanation” MiniMax M2.5 · negative prompt · hard negative
“Navia Benefit Solutions reported a security incident affecting information accessed between December 22, 2025, and January 15, 2026.” GPT-6 Luna · negative prompt · soft negative
“I'd put Navia first on the shortlist for a mid-sized company” GPT-6 Luna · paraphrase prompt · first choice
“Top Recommendation: Navia” Kimi K2 · paraphrase prompt · first choice
“Strong mid-market TPA with competitive custom pricing ($2.50–$5.50 PEPM at 100+ participants).” DeepSeek V4 Flash · scale prompt · alternative
Also compared
Lively vs HealthEquityLively vs WEX BenefitsLively vs WEX HealthLively vs Fidelity HSALively vs FormaLively vs BusinessolverHealthEquity vs Navia Benefit SolutionsWEX Benefits vs Navia Benefit SolutionsWEX Health vs Navia Benefit SolutionsFidelity HSA vs Navia Benefit SolutionsForma vs Navia Benefit SolutionsNavia Benefit Solutions vs BusinessolverAll twenty-eight head-to-head pages and the full HSA & FSA admin standing

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