HSA and FSA administrators · November 2026 Edition
WEX Benefits vs Fidelity HSA
One of fourteen models named WEX Benefits first on the direct prompt; two named Fidelity HSA. WEX Benefits was named by eleven of the fourteen models and Fidelity HSA by fourteen and WEX Benefits carries 26 labels and Fidelity HSA 53, so the shares are not directly comparable.
Named in three categories this edition.
Named in one category this edition.
First-choice share9%7%Of first choices across the direct, paraphrase, budget and scale prompts, 0 to 100.
Negative rate12%4%Negative labels as a share of the product's labels, 0 to 100.
Rank in category#3#5A position in a field of 14; printed, not drawn.
Labels2653A count; the two differ.
The two percentage rows are drawn on one 0 to 100 track, WEX Benefits 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 WEX Benefits · Lively vs Fidelity HSA · HealthEquity vs WEX Benefits
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.
WEX BenefitsFirst choices, of fourteen modelsFidelity HSA
Direct121 against Fidelity HSA
Paraphrase30
Comparative261 against Fidelity HSA
Budget-constrained122 against WEX Benefits
Scale-constrained00
Negative031 against WEX Benefits
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, WEX Benefits and Fidelity HSA were named in the same answer sixty times, of the 130 answers naming WEX Benefits and the 137 naming Fidelity HSA. In those answers Fidelity HSA took the first choice seven times and WEX Benefits ten.
Every model, every framing
The eighty-four answers behind the chart above, one cell each: where WEX Benefits and Fidelity HSA stood in it.
| Model | Direct | Paraphrase | Comparative | Budget-constrained | Scale-constrained | Negative |
|---|---|---|---|---|---|---|
| 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 | | |
WEX Benefits Fidelity HSA first choice named as an alternative argued againstblank: not namedEach cell is one answer, WEX Benefits on the left and Fidelity HSA on the right.The direct prompt
The plain question, one answer per model, grouped by where WEX Benefits and Fidelity HSA stood in it.
WEX Benefits first, Fidelity HSA not the choice
1 of 14 modelsFidelity HSA was named in the answer but not as the choice, or not at all.GPT-6 LunaWEX Benefits alternatives: HealthEquity
Fidelity HSA first, WEX Benefits an alternative
2 of 14 modelsWEX Benefits was named in the answer but not as the choice, or not at all.GPT-5.4 miniFidelity HSA alternatives: Paychex, WEX Benefits
GLM 4.7 FlashXFidelity HSA, HealthEquity alternatives: Forma, HSA Bank, WEX Health
Neither was the first choice, one was named
7 of 14 modelsThe answer put something else first and named one of the two as an alternative.Gemini 3.5 FlashLively alternatives: Fidelity HSA, HealthEquity, WEX Benefits
Perplexity SonarHealthEquity alternatives: Businessolver, WEX Benefits
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
Kimi K2Lively alternatives: Fidelity HSA, HealthEquity, Navia Benefit Solutions, WEX Benefits
MiniMax M2.5Businessolver, HealthEquity, WEX Health alternatives: Fidelity HSA, HSA Bank
Muse Glimmer 30BForma, HealthEquity alternatives: Businessolver, Fidelity HSA, WEX Health
Neither was named
4 of 14 modelsThe answer made no first choice from these two in this category.Claude Haiku 4.5no first choice
Grok 4.20HealthEquity alternatives: Businessolver, Navia Benefit Solutions, WEX Health
Mistral SmallForma, HealthEquity, WEX Health
Llama 4 Maverickno first choice
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
Fidelity HSA leads by four points.
Fidelity HSA10%#2 of 10WEX Benefits6%#5 of 10Mid-marketThe figures above
The order flips: WEX Benefits leads at mid-market.
WEX Benefits9%#3 of 14Fidelity HSA7%#5 of 14Enterprise
WEX Benefits leads by nine points.
WEX Benefits11%#2 of 13Fidelity HSA2%#4 of 13What the models said about WEX Benefits
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Six of seven in this category shown.
“Many traditional administrators (like HealthEquity or WEX) charge a $50–$100 monthly minimum platform fee” Gemini 3.5 Flash · budget prompt · hard negative
“Avoid: HealthEquity, Optum, or WEX if budget is key” Grok 4.20 · budget prompt · hard negative
“Not necessarily a poor choice, particularly for complex, FSA-heavy programs, but compare its total per-participant cost, minimums, employee account fees, and investment charges against alternatives.” Perplexity Sonar · negative prompt · soft negative
“WEX Benefits (COBRA, FSA/HSA/HRA, Commuter) - a leader in consumer-directed benefits and COBRA administration.” Llama 4 Maverick · paraphrase prompt · first choice
“If I had to pick one for a typical mid-market employer offering both HSAs and FSAs, I'd start with WEX.” GPT-6 Luna · direct prompt · first choice
“Best overall in enterprise FSA administration; strong debit-card substantiation workflows.” DeepSeek V4 Flash · comparative prompt · first choice
What the models said about Fidelity HSA
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Five of six in this category shown.
“notes that its ratings don't assess employer-negotiated HSA plans; price and features in your company's contract may differ” GPT-6 Luna · direct prompt · soft negative
“Fidelity's FSA offering is less mature than their HSA product” Claude Haiku 4.5 · comparative prompt · soft negative
“The largest HSA provider with approximately 24% market share, known for its fee-free structure, no investment minimums” MiniMax M2.5 · comparative prompt · first choice
“compare Fidelity for spending costs, HSA Bank for investing, and HealthEquity for a strong middle ground” GPT-6 Luna · comparative prompt · first choice
“Fidelity | High (only one) | Above Average | No account fees, no investment minimum, 3.56% cash rate” DeepSeek V4 Flash · comparative prompt · first choice
Also compared
Lively vs WEX BenefitsLively vs Fidelity HSAHealthEquity vs WEX BenefitsHealthEquity vs Fidelity HSAWEX Benefits vs WEX HealthWEX Benefits vs FormaWEX Benefits vs Navia Benefit SolutionsWEX Benefits vs BusinessolverWEX Health vs Fidelity HSAFidelity HSA vs FormaFidelity HSA vs Navia Benefit SolutionsFidelity HSA 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.