Flexible benefits and lifestyle spending accounts for small business buyers
Asked as “lifestyle spending account platform”, and as “flexible employee benefits platform”, on behalf of a small B2B company. 54 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each.
Standing · first-choice share
37%
Contested · JOON 19%
37Compt19JOON17Benepass28others
37% of first choices, contested.
Since September 2026▼−2Since September 2026: 37% → 34%, −2 points. Inside the 13-point floor: within noise. Read over the models both editions asked.Compt held the lead, −2 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
Compt37%Contested▼−2Since September 2026: 37% → 34%, −2 points. Inside the 13-point floor: within noise. Read over the models both editions asked.This pageMid-marketCompt40%Contested▲+5Since September 2026: 30% → 35%, +5 points. Inside the 13-point floor: within noise. Read over the models both editions asked.Standing →Enterprise
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.This pageMid-marketCompt40%Contested▲+5Since September 2026: 30% → 35%, +5 points. Inside the 13-point floor: within noise. Read over the models both editions asked.Standing →EnterpriseForma45%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 small B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrantSince September 2026
01Compt37%0%44endorsed leader▼−2Since September 2026: 37% → 34%, −2 points. Inside the 13-point floor: within noise. Read over the models both editions asked.37% → 34%
Compt37%0%44endorsed leader▼−2Since September 2026: 37% → 34%, −2 points. Inside the 13-point floor: within noise. Read over the models both editions asked.37% → 34%02
JOON19%0%18accepted challenger▲+4Since September 2026: 17% → 21%, +4 points. Inside the 13-point floor: within noise. Read over the models both editions asked.17% → 21%
JOON19%0%18accepted challenger▲+4Since September 2026: 17% → 21%, +4 points. Inside the 13-point floor: within noise. Read over the models both editions asked.17% → 21%03
Benepass17%16%44accepted challenger=heldSince September 2026: 15% → 15%, ±0 points. Inside the 13-point floor: within noise. Read over the models both editions asked.15% → 15%
Benepass17%16%44accepted challenger=heldSince September 2026: 15% → 15%, ±0 points. Inside the 13-point floor: within noise. Read over the models both editions asked.15% → 15%04
Gusto11%12%32accepted challenger▲+5Since September 2026: 8% → 13%, +5 points. Inside the 13-point floor: within noise. Read over the models both editions asked.8% → 13%
Gusto11%12%32accepted challenger▲+5Since September 2026: 8% → 13%, +5 points. Inside the 13-point floor: within noise. Read over the models both editions asked.8% → 13%05Forma9%27%44criticized challenger▼−3Since September 2026: 12% → 9%, −3 points. Inside the 13-point floor: within noise. Read over the models both editions asked.12% → 9%
Forma9%27%44criticized challenger▼−3Since September 2026: 12% → 9%, −3 points. Inside the 13-point floor: within noise. Read over the models both editions asked.12% → 9%06
ThrivePass4%21%14accepted challenger▲+4Since September 2026: 0% → 4%, +4 points. Inside the 13-point floor: within noise. Read over the models both editions asked.0% → 4%
ThrivePass4%21%14accepted challenger▲+4Since September 2026: 0% → 4%, +4 points. Inside the 13-point floor: within noise. Read over the models both editions asked.0% → 4%07
Fringe2%9%11accepted 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%9%11accepted 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
Justworks0%33%12criticized challenger▼−2Since September 2026: 2% → 0%, −2 points. Inside the 13-point floor: within noise. Read over the models both editions asked.2% → 0%
Justworks0%33%12criticized challenger▼−2Since September 2026: 2% → 0%, −2 points. Inside the 13-point floor: within noise. Read over the models both editions asked.2% → 0%09
BambooHR0%20%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%
BambooHR0%20%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%08
Rippling0%12%16accepted challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise. Read over the models both editions asked.0% → 0%
Rippling0%12%16accepted 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% negative50%
Key
01Compt37%
Compt37%02JOON19%
JOON19%03Benepass17%
Benepass17%04Gusto11%
Gusto11%05Forma9%
Forma9%06ThrivePass4%
ThrivePass4%07Fringe2%
Fringe2%08Rippling0%
Rippling0%09BambooHR0%
BambooHR0%10Justworks0%
Justworks0%What they warned about
One 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 4.1 Fast, Mistral Small, Llama 4 Maverick, Qwen 3.7 Flash, Kimi K2, GLM 4.7 FlashX, 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.
Forma27%
12 of 44 labels negative · 8 of 14 models · 1 hard negative
“Avoid committing to enterprise-tier flexible benefits platforms like Forma / Espresa if you cannot meet high minimum annual contracts ~ $10k+” Muse Glimmer 30B, negative prompt
Paychex Flex100%
7 of 7 labels negative · 6 of 14 models · 1 hard negative
“Platforms to **Avoid or Be Cautious About**: 1. **Paychex Flex**... struggles with scaling. Frequent complaints about slow, unhelpful customer support” Grok 4.1 Fast, negative prompt
Benepass16%
7 of 44 labels negative · 4 of 14 models · 1 hard negative
“Avoid Platforms with "Pre-Funded Card" Models Some flexible benefits platforms (like **Benepass** or other debit card-first vendors) operate on a pre-funded model.” Gemini 3.5 Flash, negative prompt
Gusto12%
4 of 32 labels negative · 4 of 14 models
“it may not be suitable for businesses that need more complex benefits administration or custom benefit categories” Llama 4 Maverick, 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
78 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. 1111 links across 191 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.
59 answers · 114 citations · 13 models
45 answers · 64 citations · 13 models
vendor site · Guideflow45 answers · 51 citations · 11 models
vendor site · Compt42 answers · 123 citations · 13 models
vendor site · G241 answers · 88 citations · 13 models
34 answers · 34 citations · 10 models
29 answers · 33 citations · 10 models
vendor site · Rippling21 answers · 32 citations · 11 models
vendor site · HiBob17 answers · 18 citations · 9 models
vendor site · Gusto14 answers · 23 citations · 9 models
14 answers · 17 citations · 6 models
vendor site · FirstHR13 answers · 13 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.
42 answers · 12 models
34 answers · 10 models
33 answers · 11 models
30 answers · 12 models
27 answers · 12 models
22 answers · 11 models
22 answers · 10 models
21 answers · 10 models
17 answers · 9 models
16 answers · 7 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 | 37% | 127 | 3,600 | 1,693 | 16,841 | 7 | 2 | |
| JOON joon.io | 19% | 36 | 27,100 | 6,564 | 9,721 | |||
| Benepass getbenepass.com | 17% | 190 | 14,800 | 99 | 30,964 | 6 | ||
| Gusto gusto.com | 11% | 870 | 673,000 | 10,560 | 1,629,483 | 118 | ||
| Forma forma.ai | 9% | 183 | 49,500 | 43,054 | 6,459 | |||
| ThrivePass thrivepass.com | 4% | 50 | 8,100 | 89 | 6,760 | |||
| Fringe fringe.us | 2% | 36 | 165,000 | 29,782 | 11,516 | 2 | ||
| PeopleKeep peoplekeep.com PeopleKeep WorkPerks 2%, PeopleKeep 0% | 2% | 7 | ||||||
| Rippling rippling.com | 0% | 1260 | 301,000 | 17,886 | 712,399 | $42,013 | 115 | |
| Thatch thatch.com | 0% | 12 |
Google's top ten for the three searches hold 21 sites; 4 of them are among the sites the models cited here (compt.io, g2.com, getbenepass.com, joinforma.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 small B2B company?”Paraphrase“Which flexible employee benefits platform would you recommend to a small business that sells to other businesses?”Comparative“What are the top flexible benefits platforms for a small team and how do they differ?”Budget-constrained“What is the best lifestyle spending account platform for a small company with a tight budget?”Scale-constrained“We are a 30 person company evaluating a lifestyle spending account platform. What should we look at?”Negative“Which flexible benefits platforms should a small business avoid or be cautious about?”
Claude Haiku 4.5Compt, JOONGustoChangedFormaJOONagainst: Benepassno first choiceagainst: Awardco, Cooleaf, TriNet, Wishlist, Workhuman
One alternative
BenepassTwo alternatives
Forma, JustworksTwo alternatives
Gusto, JustworksOne alternative
ComptGPT-5.4 miniPeopleKeep WorkPerksGustoChangedGusto, PeopleKeepagainst: ADP Workforce Now, Paychex FlexJOONagainst: Awardco, Formano first choiceagainst: Benefitfocus, BerniePortal, Paychex Flex, Plum Benefits, TriNet Zenefits, Viabenefits, WageWorks
One alternative
WallesterOne alternative
SequoiaTwo alternatives
Justworks, RipplingOne alternative
ComptGemini 3.5 FlashJOONagainst: Benepass, Espresa, FormaComptChangedCompt, JOONagainst: Ben, BenepassJOONCompt, JOONagainst: Benepass, Formaagainst: Benepass, Employee Benefits Corporation, Forma, Fringe, TASC
Two alternatives
Compt, FringeTwo alternatives
Benepass, FringeTwo alternatives
Fringe, ThatchFour alternatives
Bonusly, Compt, Gusto, RipplingPerplexity SonarBenepassFormaChangedagainst: JustworksBenepass, Formaagainst: BambooHR, GustoJOONagainst: Formano first choiceagainst: Paychex Flex, WEX Benefits
Three alternatives
Espresa, Gusto, ThrivePassOne alternative
GustoOne alternative
ThatchOne alternative
ComptGrok 4.1 FastCompt, JOONagainst: FormaGustoChangedGustoThrivePassagainst: BenepassComptagainst: Ben, Businessolver, Paychex Flex, PlanSource, TriNet
One alternative
BenepassThree alternatives
Benepass, Forma, RipplingFour alternatives
BambooHR, Ease, Rippling, TriNet ZenefitsTwo alternatives
Compt, FringeThree alternatives
Benepass, Forma, ThrivePassMistral SmallBenepass, Comptagainst: ThrivePassFormaChangedCompt, Formano first choiceno first choiceagainst: Benefitfocus, Justworks, PlanSource, bswift
One alternative
FringeThree alternatives
Compt, Gusto, RipplingFour alternatives
Benepass, Gusto, Justworks, RipplingTwo alternatives
Benepass, FormaDeepSeek V4 FlashComptagainst: FormaComptHeldComptCompt, JOONagainst: FormaComptnothing named
One alternative
JOONTwo alternatives
Benepass, GustoTwo alternatives
Benepass, FormaTwo alternatives
Benepass, JOONLlama 4 MaverickBenepass, Forma, ThrivePassno first choiceChangedno first choiceno first choiceno first choiceagainst: BenAdmin, Flexible Benefits, Gusto, Paychex Flex
Qwen 3.7 FlashBenepass, ComptGustoChangedBenepass, FringeComptagainst: Manual Liteno first choiceagainst: BambooHR, Dayforce, Gusto, Rippling, SAP SuccessFactors, Workday
One alternative
ThrivePassFive alternatives
BenefitTrac, Posh, Rippling, Thriver Technologies, ZenworkFour alternatives
Compt, Gusto, Rippling, ThrivePassOne alternative
HolisticlyKimi K2Comptagainst: ThrivePassGustoChangedComptagainst: Forma, JustworksFringeCompt, JOONagainst: Espresa, Formaagainst: BenefitHub, Deel, Gusto, Justworks, Plum Benefits
Three alternatives
Benepass, Forma, JOONThree alternatives
Benepass, Compt, FringeTwo alternatives
Benepass, GustoThree alternatives
Compt, JOON, ThrivePassOne alternative
BenepassGLM 4.7 FlashXComptagainst: ThrivePassBenepassChangedFormaBenepassno first choiceagainst: Benefitfocus, PlanSource, bswift
Two alternatives
Benepass, FormaFour alternatives
Coverflex, Ease, Gusto, Maxwell HealthNine alternatives
BambooHR, Benepass, Compt, Deel, Espresa, Gusto, JOON, Justworks, RipplingTwo alternatives
Compt, JOONMiniMax M2.5Compt, FormaBenepass, GustoChangedGustono first choiceno first choiceagainst: Insperity, Paychex Flex, TriNet
Three alternatives
Benepass, Holisticly, ThrivePassTwo alternatives
Compt, RipplingFour alternatives
BambooHR, Coverflex, HiBob, RipplingGPT-6 LunaComptFormaChangedComptComptno first choiceagainst: Forma, Rippling
Two alternatives
Forma, LivelyOne alternative
GustoSix alternatives
Benepass, Forma, Gusto, Justworks, PeopleKeep, RipplingMuse Glimmer 30BComptBenepassChangedBenepass, Formaagainst: Catch, FlexaBenepass, Comptno first choiceagainst: Benepass, Espresa, Forma, Paychex Flex
Two alternatives
Benepass, FormaFive alternatives
Benefex, Forma, Gusto, Perkbox, VivupOne alternative
GustoBold 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 07:38 | yes | 19 | 8 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 10:19 | yes | 3 | 6 s |
| Direct recommendation | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 08:34 | yes | 14 | 25 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-10-01 08:12 | yes | 15 | 3 s |
| Direct recommendation | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 08:16 | yes | 14 | 8 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 09:36 | yes | 10 | 6 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 08:29 | yes | 18 | 26 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 11:44 | yes | 5 | 2 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 11:41 | yes | 13 | 51 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 10:35 | yes | 21 | 25 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 11:57 | yes | 22 | 41 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 10:16 | yes | 15 | 24 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-10-01 12:09 | yes | 4 | 17 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 09:50 | yes | 20 | 24 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 10:14 | yes | 15 | 8 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 11:20 | yes | 2 | 5 s |
| Paraphrase | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 12:14 | yes | 8 | 60 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-10-01 11:05 | yes | 20 | 3 s |
| Paraphrase | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 07:58 | yes | 22 | 7 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 11:41 | yes | 5 | 4 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 07:48 | yes | 23 | 33 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 11:09 | yes | 5 | 2 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 09:52 | no | 0 | 31 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 09:04 | yes | 19 | 22 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 07:51 | yes | 23 | 52 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 10:00 | yes | 15 | 36 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-10-01 10:49 | yes | 2 | 13 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 08:00 | yes | 22 | 27 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 11:47 | yes | 16 | 9 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 10:06 | yes | 3 | 9 s |
| Comparative | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 08:00 | yes | 21 | 27 s |
| Comparative | Perplexity Sonar | sonar | 2026-10-01 07:45 | yes | 20 | 5 s |
| Comparative | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 11:58 | yes | 23 | 8 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 11:09 | yes | 5 | 10 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 10:46 | yes | 22 | 36 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 11:38 | yes | 5 | 2 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 09:32 | yes | 9 | 37 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 07:47 | yes | 13 | 24 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 07:29 | yes | 22 | 62 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 12:07 | yes | 14 | 17 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-10-01 09:38 | yes | 7 | 21 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 09:07 | yes | 25 | 34 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 08:05 | yes | 9 | 6 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 10:22 | yes | 3 | 4 s |
| Budget constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 09:15 | yes | 15 | 32 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-10-01 08:04 | yes | 29 | 4 s |
| Budget constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 09:06 | yes | 19 | 9 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 11:32 | yes | 11 | 8 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 10:47 | yes | 22 | 34 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 11:08 | yes | 5 | 2 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 10:41 | yes | 20 | 55 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 08:22 | yes | 20 | 24 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 07:42 | yes | 19 | 165 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 09:23 | yes | 5 | 22 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-10-01 10:32 | yes | 2 | 16 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 08:12 | yes | 17 | 24 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 11:58 | no | 0 | 6 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 11:01 | no | 0 | 6 s |
| Scale constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 11:08 | yes | 14 | 29 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-10-01 08:28 | yes | 14 | 4 s |
| Scale constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 11:29 | yes | 17 | 9 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 11:40 | no | 0 | 6 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 07:51 | yes | 15 | 31 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 09:02 | yes | 5 | 3 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 10:21 | no | 0 | 35 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 10:06 | yes | 18 | 26 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 11:04 | yes | 13 | 24 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 08:36 | no | 0 | 59 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-10-01 12:04 | yes | 1 | 10 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 08:36 | yes | 15 | 25 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 12:03 | yes | 22 | 11 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 10:30 | yes | 5 | 4 s |
| Negative framing | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 10:17 | yes | 15 | 29 s |
| Negative framing | Perplexity Sonar | sonar | 2026-10-01 11:14 | yes | 19 | 5 s |
| Negative framing | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 09:23 | yes | 19 | 10 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 11:46 | yes | 12 | 5 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 10:03 | yes | 24 | 14 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 09:07 | yes | 5 | 2 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 10:05 | yes | 14 | 82 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 08:11 | yes | 25 | 27 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 07:53 | yes | 23 | 20 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 08:19 | yes | 16 | 32 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-10-01 10:27 | yes | 3 | 25 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 08:53 | yes | 22 | 30 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
Paychex read as Paychex Flex
WEX read as WEX Benefits
Zenefits read as TriNet Zenefits
Unresolved, counted raw
Avantus
BenAdmin
Benafica
BenefitTrac
Catch
Flexa
Honeybee
JoinForma / Forma
Karbon Card
Manual Lite (Gusto + Spreadsheets)
Maxwell Health
PeopleKeep WorkPerks
Posh
Thriver Technologies
Viabenefits
Wallester
Wishlist
Zenwork
pxtra
Discontinued, still offered
No shut-down product was recommended here.