Flexible benefits and lifestyle spending accounts
Asked as “lifestyle spending account platform”, and as “flexible employee benefits platform”, on behalf of a mid-market B2B company. 50 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each.
Standing · first-choice share
40%
Contested · Benepass 18%
40Compt18Benepass16Forma26others
40% of first choices, contested.
Since September 2026▲+5Since September 2026: 30% → 35%, +5 points. Inside the 13-point floor: within noise. Read over the models both editions asked.Compt held the lead, +5 points on 30%, 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
Compt37%Contested▼−2Since September 2026: 37% → 34%, −2 points. Inside the 13-point floor: within noise. Read over the models both editions asked.Standing →Mid-marketCompt40%Contested▲+5Since September 2026: 30% → 35%, +5 points. Inside the 13-point floor: within noise. Read over the models both editions asked.This pageEnterprise
Forma45%Clear leader↗new leaderNew leader since September 2026: Forma (46%) replaces Compt (38% then, 20% now), 27 points clear, past the 13-point floor.Standing →
Compt37%Contested▼−2Since September 2026: 37% → 34%, −2 points. Inside the 13-point floor: within noise. Read over the models both editions asked.Standing →Mid-marketCompt40%Contested▲+5Since September 2026: 30% → 35%, +5 points. Inside the 13-point floor: within noise. Read over the models both editions asked.This pageEnterpriseForma45%Clear leader↗new leaderNew leader since September 2026: Forma (46%) replaces Compt (38% then, 20% now), 27 points clear, past the 13-point floor.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 September 2026
01Compt40%2%41endorsed leader▲+5Since September 2026: 30% → 35%, +5 points. Inside the 13-point floor: within noise. Read over the models both editions asked.30% → 35%
Compt40%2%41endorsed leader▲+5Since September 2026: 30% → 35%, +5 points. Inside the 13-point floor: within noise. Read over the models both editions asked.30% → 35%02
Benepass18%6%49accepted challenger▲+4Since September 2026: 17% → 21%, +4 points. Inside the 13-point floor: within noise. Read over the models both editions asked.17% → 21%
Benepass18%6%49accepted challenger▲+4Since September 2026: 17% → 21%, +4 points. Inside the 13-point floor: within noise. Read over the models both editions asked.17% → 21%03Forma16%14%51accepted challenger▼−3Since September 2026: 19% → 16%, −3 points. Inside the 13-point floor: within noise. Read over the models both editions asked.19% → 16%
Forma16%14%51accepted challenger▼−3Since September 2026: 19% → 16%, −3 points. Inside the 13-point floor: within noise. Read over the models both editions asked.19% → 16%04
JOON8%0%13accepted challenger▼−4Since September 2026: 11% → 7%, −4 points. Inside the 13-point floor: within noise. Read over the models both editions asked.11% → 7%
JOON8%0%13accepted challenger▼−4Since September 2026: 11% → 7%, −4 points. Inside the 13-point floor: within noise. Read over the models both editions asked.11% → 7%05
Rippling4%8%13accepted challenger▲+3Since September 2026: 2% → 5%, +3 points. Inside the 13-point floor: within noise. Read over the models both editions asked.2% → 5%
Rippling4%8%13accepted challenger▲+3Since September 2026: 2% → 5%, +3 points. Inside the 13-point floor: within noise. Read over the models both editions asked.2% → 5%06
ThrivePass2%5%19accepted challenger▲+2Since September 2026: 0% → 2%, +2 points. Inside the 13-point floor: within noise. Read over the models both editions asked.0% → 2%
ThrivePass2%5%19accepted challenger▲+2Since September 2026: 0% → 2%, +2 points. Inside the 13-point floor: within noise. Read over the models both editions asked.0% → 2%07
Fringe2%0%15accepted challenger=heldSince September 2026: 2% → 2%, ±0 points. Inside the 13-point floor: within noise. Read over the models both editions asked.2% → 2%
Fringe2%0%15accepted challenger=heldSince September 2026: 2% → 2%, ±0 points. Inside the 13-point floor: within noise. Read over the models both editions asked.2% → 2%Show the three products at 0%, ordered by negative rate
10
Gusto0%54%13criticized challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise. Read over the models both editions asked.0% → 0%
Gusto0%54%13criticized challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise. Read over the models both editions asked.0% → 0%09
Benefitfocus0%50%12criticized challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise. Read over the models both editions asked.0% → 0%
Benefitfocus0%50%12criticized challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise. Read over the models both editions asked.0% → 0%08
Espresa0%0%10accepted challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise. Read over the models both editions asked.0% → 0%
Espresa0%0%10accepted challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise. Read over the models both editions asked.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 is noise, and both are shown. Movement is read over the twelve models both editions asked; GPT-6 Luna, Muse Glimmer 30B joined this edition and are in the standing but not yet in the comparison. 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 head
All twenty-one head-to-head pages: the top seven products, each against each
Compt vs RipplingCompt vs ThrivePassCompt vs FringeBenepass vs FormaBenepass vs JOONBenepass vs RipplingBenepass vs ThrivePassBenepass vs FringeForma vs JOONForma vs RipplingForma vs ThrivePassForma vs FringeJOON vs RipplingJOON vs ThrivePassJOON vs FringeRippling vs ThrivePassRippling vs FringeThrivePass vs Fringe
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 →
01020304050607080910Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative60%
Key
01Compt40%
Compt40%02Benepass18%
Benepass18%03Forma16%
Forma16%04JOON8%
JOON8%05Rippling4%
Rippling4%06ThrivePass2%
ThrivePass2%07Fringe2%
Fringe2%08Espresa0%
Espresa0%09Benefitfocus0%
Benefitfocus0%10Gusto0%
Gusto0%What they warned about
Three of fourteen models held their first choice under the paraphrase. Claude Haiku 4.5, GPT-5.4 mini, Grok 4.1 Fast, Mistral Small, DeepSeek V4 Flash, Llama 4 Maverick, Qwen 3.7 Flash, Kimi K2, GLM 4.7 FlashX, MiniMax M2.5 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.
Forma14%
7 of 51 labels negative · 7 of 14 models · 2 hard negative
“Forma has user reviews reporting limited information and reimbursement delays, with regular support gaps rounding out top complaints” Claude Haiku 4.5, negative prompt
Gusto54%
7 of 13 labels negative · 6 of 14 models · 1 hard negative
“**2. Gusto** **Why to be cautious:** - **Customer support**: Described as "frustrating"” GLM 4.7 FlashX, negative prompt
Benefitfocus50%
6 of 12 labels negative · 5 of 14 models · 3 hard negative
“here are the flexible benefits platforms you should be cautious about or potentially avoid... **1. Benefitfocus**” GLM 4.7 FlashX, negative prompt
Ben50%
3 of 6 labels negative · 3 of 14 models · 1 hard negative
“**Thanks Ben**: Despite its modern design, it has faced user complaints, especially regarding reporting and reliability.” Mistral Small, negative prompt
What they cite
Citations exist only for the models that return a source list: fourteen of the fourteen in this edition, and all six flagship models on the expanded tier.
Sites the answers cite
79 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. 1108 links across 206 sites, every framing counted. Ranked by the number of answers carrying the site or page. 26 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.
65 answers · 153 citations · 13 models
54 answers · 77 citations · 14 models
vendor site · Guideflow44 answers · 53 citations · 11 models
vendor site · G239 answers · 76 citations · 12 models
vendor site · Compt38 answers · 108 citations · 13 models
18 answers · 21 citations · 10 models
17 answers · 20 citations · 11 models
vendor site · HiBob17 answers · 17 citations · 10 models
15 answers · 23 citations · 10 models
vendor site · Rippling15 answers · 20 citations · 10 models
12 answers · 12 citations · 7 models
vendor site · Kota12 answers · 12 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.
44 answers · 11 models
34 answers · 12 models
32 answers · 11 models
27 answers · 12 models
26 answers · 12 models
21 answers · 10 models
17 answers · 11 models
17 answers · 10 models
17 answers · 8 models
15 answers · 9 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 lifestyle spending account platform”, “flexible benefits platforms”, “lifestyle spending account platform”. 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 |
|---|---|---|---|---|---|---|---|---|
| Compt compt.io | 40% | 127 | 3,600 | 1,693 | 16,841 | 7 | 2 | |
| Benepass getbenepass.com | 18% | 190 | 14,800 | 99 | 30,964 | 6 | ||
| Forma forma.ai | 16% | 183 | 49,500 | 43,054 | 6,459 | |||
| JOON joon.io | 8% | 36 | 27,100 | 6,564 | 9,721 | |||
| Rippling rippling.com | 4% | 1260 | 301,000 | 17,886 | 712,399 | $42,013 | 115 | |
| Holisticly holisticly.co | 4% | 6 | ||||||
| ThrivePass thrivepass.com | 2% | 50 | 8,100 | 89 | 6,760 | |||
| Fringe fringe.us | 2% | 36 | 165,000 | 29,782 | 11,516 | 2 | ||
| Paycor paycor.com | 2% | 228 | 673,000 | 1,818 | 1,002,900 | 120 | ||
| Alloy Benefits | 2% |
Google's top ten for the three searches hold 21 sites; 5 of them are among the sites the models cited here (compt.io, g2.com, getbenepass.com, joinforma.com, myshortlister.com). The first result for “best lifestyle spending account platform” 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 lifestyle spending account platform for a mid-market B2B company?”Paraphrase“Which flexible employee benefits platform would you recommend to a mid-sized B2B company?”Comparative“What are the top flexible benefits platforms and how do they differ?”Budget-constrained“What is the best lifestyle spending account platform for a company with a limited budget?”Scale-constrained“We are a 500 person company evaluating a lifestyle spending account platform. What should we look at?”Negative“Which flexible benefits platforms should I avoid or be cautious about?”
Claude Haiku 4.5BenepassPaycorChangedFormaJOON, PeopleKeepno first choiceagainst: Forma
Two alternatives
Compt, FormaThree alternatives
Gusto, Justworks, PaylocityFour alternatives
Benefitfocus, Benepass, Benify, RipplingTwo alternatives
Compt, HolisticlyGPT-5.4 miniBenepassRipplingChangedagainst: GustoAlight Solutions, bswiftHolisticlyagainst: Comptno first choiceagainst: BerniePortal, Coverflex, Flexible Benefit Service LLC, PlanSource
One alternative
FormaOne alternative
BenefitfocusTwo alternatives
PlanSource, WorkdayOne alternative
JOONGemini 3.5 FlashComptagainst: FormaComptHeldBenepass, Compt, FormaComptno first choiceagainst: Ben, Benefex, Flexible Benefit Administrators
Three alternatives
Benepass, Espresa, JOONFive alternatives
Ben, Benepass, Deel, Fringe, RipplingFour alternatives
Benify, Cobee, Coverflex, FringeFour alternatives
Brex, Hoppier, JOON, RampPerplexity SonarFormaFormaHeldFormaCompt, JOONagainst: Gustono first choiceagainst: Deel, Gusto, HealthEquity, WEX Benefits
Three alternatives
Benepass, Compt, ThrivePassThree alternatives
Benepass, Paycor, RipplingFour alternatives
Benepass, Thatch, ThrivePass, Zest BenefitsGrok 4.1 FastBenepass, Formaagainst: ThrivePassRipplingChangedBenepass, FormaComptComptagainst: Alight Solutions, Ben, Benefex, Benefitfocus, Gusto, NationsBenefits, Paychex Flex, TriNet Zenefits
One alternative
ComptThree alternatives
Forma, Gusto, JustworksThree alternatives
Fringe, ThrivePass, bswiftThree alternatives
Benepass, JOON, ThrivePassThree alternatives
Benepass, Forma, ThrivePassMistral SmallBenepass, FormaBenepassChangedno first choiceHolisticlyagainst: Formano first choiceagainst: Ben, Benefitfocus, Benepass, Paychex Flex
Two alternatives
Compt, MotivosityOne alternative
NamelyTwo alternatives
Fringe, ThrivePassDeepSeek V4 FlashComptFormaChangedagainst: ADP Workforce Now, BenefitfocusFormaComptComptagainst: Hoppieragainst: Benefitfocus, Benepass, Flexoh, Forma, Paychex Flex
Two alternatives
Forma, ThrivePassThree alternatives
BambooHR, GoKlaim, JustworksThree alternatives
Benepass, Espresa, JOONThree alternatives
Benepass, Fringe, ThrivePassThree alternatives
Benepass, Forma, ThrivePassLlama 4 MaverickComptno first choiceChangedFormano first choiceno first choicenothing named
Two alternatives
Forma Benefits, PaveOne alternative
DeelQwen 3.7 FlashComptBenepassChangedBenefexFringe, ThrivePassno first choiceagainst: Sorensen Flexible Benefits
Two alternatives
Benepass, ThrivePassThree alternatives
HROnDemand / FlexPlans, Ripple / Rippling, Vibe BenefitsTwo alternatives
JOON, LifeWorksThree alternatives
Compt, Forma, TriNet ZenefitsKimi K2Benepass, FormaBenepassChangedagainst: FormaFormaCompt, JOONno first choiceagainst: Benefitfocus, Gusto, Navia Benefit Solutions, Paylogix, Rippling, TriNet, Verisource Services
Three alternatives
Compt, Espresa, FringeOne alternative
ComptFive alternatives
ADP TotalSource, Alight Solutions, Perkbox, PlanSource, WorkdayOne alternative
FringeGLM 4.7 FlashXComptAlloy BenefitsChangedFormaBenepassno first choiceagainst: Benefitfocus, Forma, Gusto
Two alternatives
Benepass, FormaTwo alternatives
Alleo, BenefitHubEleven alternatives
ADP Workforce Now, Benefitfocus, Deel HR, Employee Navigator, Justworks, Mercer, Nayya, Oyster HR, Rippling, The Access Group, bswiftThree alternatives
Compt, Forma, FringeMiniMax M2.5Comptagainst: FormaFormaChangedBenepass, FormaComptagainst: Gustono first choicenothing named
One alternative
BenepassThree alternatives
ADP Workforce Now, HiBob, bswiftFive alternatives
Compt, Espresa, PlanSource, Rippling, ThrivePassTwo alternatives
Benepass, EspresaFour alternatives
Benepass, Compt, Forma, ThrivePassGPT-6 LunaComptComptHeldno first choiceJOONno first choiceagainst: Navia Benefit Solutions
Two alternatives
Benepass, FormaTwo alternatives
Benepass, FormaOne alternative
WEX BenefitsMuse Glimmer 30BComptFormaChangedno first choiceComptagainst: BenepassComptagainst: Coverflex, Flexible Benefit Service LLC – “Flex”, Plum Benefits
One alternative
BenepassFour alternatives
ADP Workforce Now, Benepass, Namely, bswiftFour alternatives
Ben, Forma, Happl, ZestTwo alternatives
Fringe, ThrivePassBold 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. Full answer text is in the free responses file. Download the record
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 | 2026-10-01 07:59 | yes | 9 | 7 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 11:20 | yes | 2 | 5 s |
| Direct recommendation | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 10:12 | yes | 16 | 23 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-10-01 09:09 | yes | 17 | 3 s |
| Direct recommendation | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 11:28 | yes | 18 | 8 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 11:28 | yes | 5 | 4 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 08:19 | yes | 18 | 24 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 11:00 | yes | 5 | 2 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 08:46 | yes | 8 | 39 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 10:05 | yes | 9 | 16 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 08:48 | yes | 20 | 80 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 09:12 | yes | 20 | 37 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-10-01 08:01 | yes | 3 | 31 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 09:26 | yes | 13 | 18 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 09:55 | yes | 9 | 9 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 09:11 | yes | 3 | 4 s |
| Paraphrase | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 11:29 | yes | 18 | 20 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-10-01 08:16 | yes | 20 | 3 s |
| Paraphrase | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 08:22 | yes | 20 | 8 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 07:39 | yes | 15 | 7 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 11:53 | yes | 16 | 43 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 08:10 | yes | 5 | 2 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 10:34 | no | 0 | 19 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 09:36 | yes | 18 | 23 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 09:05 | yes | 24 | 47 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 11:47 | yes | 5 | 35 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-10-01 08:44 | yes | 3 | 17 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 07:49 | yes | 12 | 19 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 09:55 | yes | 9 | 8 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 08:50 | yes | 5 | 8 s |
| Comparative | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 07:52 | yes | 24 | 37 s |
| Comparative | Perplexity Sonar | sonar | 2026-10-01 07:51 | yes | 19 | 5 s |
| Comparative | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 08:45 | yes | 21 | 9 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 12:02 | yes | 14 | 11 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 10:13 | yes | 23 | 40 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 10:09 | yes | 5 | 2 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 11:19 | yes | 21 | 59 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 08:29 | yes | 23 | 25 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 10:45 | yes | 13 | 83 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 10:25 | yes | 15 | 24 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-10-01 07:50 | yes | 7 | 34 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 08:20 | yes | 21 | 55 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 09:36 | yes | 9 | 7 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 09:09 | yes | 4 | 5 s |
| Budget constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 08:56 | yes | 17 | 24 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-10-01 07:45 | yes | 32 | 2 s |
| Budget constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 10:24 | yes | 18 | 9 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 09:17 | yes | 10 | 6 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 10:37 | yes | 20 | 41 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 10:24 | yes | 5 | 2 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 07:54 | yes | 12 | 31 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 09:11 | yes | 20 | 32 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 08:06 | yes | 21 | 71 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 10:09 | yes | 10 | 18 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-10-01 10:35 | yes | 3 | 18 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 08:05 | yes | 20 | 37 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 10:37 | no | 0 | 6 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 11:56 | no | 0 | 7 s |
| Scale constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 12:16 | yes | 10 | 56 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-10-01 08:38 | yes | 14 | 4 s |
| Scale constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 11:20 | yes | 17 | 8 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 10:54 | no | 0 | 5 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 10:57 | yes | 16 | 51 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 10:23 | yes | 5 | 4 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 08:04 | yes | 19 | 56 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 10:52 | yes | 13 | 22 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 08:38 | yes | 11 | 46 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 09:37 | yes | 5 | 27 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-10-01 11:29 | yes | 2 | 15 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 12:06 | yes | 13 | 25 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 08:32 | yes | 35 | 11 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 09:18 | yes | 7 | 5 s |
| Negative framing | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 08:27 | yes | 15 | 27 s |
| Negative framing | Perplexity Sonar | sonar | 2026-10-01 11:34 | yes | 20 | 4 s |
| Negative framing | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 08:34 | yes | 25 | 8 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 09:43 | yes | 5 | 3 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 07:46 | yes | 25 | 46 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 08:52 | yes | 5 | 9 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 08:37 | yes | 21 | 74 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 10:40 | yes | 25 | 25 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 10:47 | yes | 22 | 32 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 09:03 | no | 0 | 10 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-10-01 11:44 | yes | 2 | 24 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 09:42 | yes | 24 | 28 s |
Normalization in this category
Every judgment call made between the raw labels and the numbers above, listed so it is visible and reversible.
ShowHide
Category-scoped readings
ADP read as ADP Workforce Now
Alight read as Alight Solutions
Paychex read as Paychex Flex
WEX read as WEX Benefits
Workday Benefits read as Workday
Zenefits read as TriNet Zenefits
Unresolved, counted raw
Alloy Benefits
Brex
Cobee
Commuter Benefits
Empyrean Benefit Solutions
Flexible Benefit Administrators
Flexible Benefit Service LLC (Flex)
Flexible Benefit Service LLC – “Flex”
Flexoh
Forma Benefits
HROnDemand / FlexPlans
Nava
Paycor Benefits Administration
Ripple / Rippling
Sorensen Flexible Benefits
Surency
The Access Group
Verisource Services
Vibe Benefits
Zest Benefits
Discontinued, still offered
No shut-down product was recommended here.