HSA and FSA administrators
Asked as “HSA and FSA administrator”, and as “consumer-directed benefits administrator”, on behalf of a mid-market B2B company. 48 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each. Added to the October 2026 Edition on October 4, 2026; its answers are read by the distilled judge (ai-indexes-judge-qwen3-14b-run3), not the claude-opus-5 judge of the earlier categories: how the two compare.
Standing · first-choice share
29%
Contested · Lively 15%
29HealthEquity15Lively10Fidelity HSA46others
29% of first choices, contested.
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.
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
07
Navia Benefit Solutions4%17%18accepted challengernewNew since September 2026: not ranked then, 4% now.
Navia Benefit Solutions4%17%18accepted challengernewNew since September 2026: not ranked then, 4% now.Show the three products at 0%, ordered by negative rate
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.
For buyers
All twenty-eight head-to-head pages: the top eight products, each against each
HealthEquity vs WEX HealthHealthEquity vs BusinessolverHealthEquity vs Navia Benefit SolutionsHealthEquity vs BenepassLively vs Fidelity HSALively vs WEX BenefitsLively vs WEX HealthLively vs BusinessolverLively vs Navia Benefit SolutionsLively vs BenepassFidelity HSA vs WEX BenefitsFidelity HSA vs WEX HealthFidelity HSA vs BusinessolverFidelity HSA vs Navia Benefit SolutionsFidelity HSA vs BenepassWEX Benefits vs WEX HealthWEX Benefits vs BusinessolverWEX Benefits vs Navia Benefit SolutionsWEX Benefits vs BenepassWEX Health vs BusinessolverWEX Health vs Navia Benefit SolutionsWEX Health vs BenepassBusinessolver vs Navia Benefit SolutionsBusinessolver vs BenepassNavia Benefit Solutions vs Benepass
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 →
01
02
03
04
05
0607
08
09F10
F11
12Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative40%
Key
01HealthEquity29%
HealthEquity29%02Lively15%
Lively15%03Fidelity HSA10%
Fidelity HSA10%04WEX Benefits6%
WEX Benefits6%05WEX Health6%
WEX Health6%06Businessolver4%
Businessolver4%07Navia Benefit Solutions4%
Navia Benefit Solutions4%08Benepass2%
Benepass2%09HSA Bank2%
HSA Bank2%10Flores0%
11Further0%
12TASC0%
TASC0%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, DeepSeek V4 Flash, 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.
HealthEquity20%
12 of 59 labels negative · 9 of 14 models · 8 hard negative
“HealthEquity has a very low rating (1.2/5) on Trustpilot, with many users reporting issues with customer service, account access, and problems with payments and refunds.” Mistral Small, negative prompt
HSA Bank28%
10 of 36 labels negative · 8 of 14 models · 6 hard negative
“HSA Bank has numerous complaints about poor customer support, website and app functionality, and difficulties accessing or transferring funds.” Mistral Small, negative prompt
WEX Benefits25%
8 of 32 labels negative · 8 of 14 models · 2 hard negative
“**Avoid for tight budgets**: Larger players like WEX or Navia (~$4+ PEPM)” Grok 4.1 Fast, budget prompt
TASC27%
4 of 15 labels negative · 4 of 14 models · 4 hard negative
“TASC is one of the most complained-about FSA administrators, particularly regarding the ease of getting reimbursed.” Gemini 3.5 Flash, 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. 1122 links across 267 sites, every framing counted. Ranked by the number of answers carrying the site or page. None of the 252 answers across every segment cited this index's own page for the category.
53 answers · 86 citations · 12 models
29 answers · 37 citations · 10 models
27 answers · 33 citations · 9 models
26 answers · 35 citations · 10 models
22 answers · 25 citations · 10 models
21 answers · 35 citations · 10 models
21 answers · 30 citations · 9 models
18 answers · 20 citations · 9 models
16 answers · 19 citations · 10 models
vendor site · Soteria HR16 answers · 16 citations · 9 models
vendor site · HealthEquity15 answers · 19 citations · 9 models
15 answers · 18 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.
50 answers · 11 models
22 answers · 10 models
19 answers · 10 models
18 answers · 10 models
18 answers · 10 models
16 answers · 9 models
16 answers · 9 models
15 answers · 9 models
15 answers · 9 models
14 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 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 | 29% | 161 | 450,000 | 1,903 | 1,323,750 | 120 | ||
| Lively livelyme.com | 15% | 109 | 49,500 | 7,526,229 | 57,968 | 24 | ||
| WEX wexinc.com WEX Benefits 6%, WEX Health 6% | 12% | 105 | 40,500 | 1,030 | 229,187 company | $181 | 86 | |
| Fidelity HSA fidelity.com | 10% | 96 | 49,500 | 822 | 54,604,127 | $1,174 | 84 | |
| Forma forma.ai | 6% | 183 | 49,500 | 43,054 | 6,459 | |||
| Businessolver businessolver.com | 4% | 52 | 6,600 | 121 | 31,252 | 0 | ||
| Navia naviabenefits.com Navia Benefit Solutions 4% | 4% | 47 | 3,600 | 33 | 81,648 company | 7 | ||
| Avidia Health | 4% | |||||||
| Alegeus alegeus.com | 2% | 32 | 1,900 | 61 | ||||
| Benepass getbenepass.com | 2% | 190 | 14,800 | 99 | 30,964 |
Google's top ten for the three searches hold 24 sites; 2 of them are among the sites the models cited here (myshortlister.com, recruiterslineup.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 a mid-market B2B company?”Paraphrase“Which consumer-directed benefits administrator would you recommend to a mid-sized B2B company?”Comparative“What are the top HSA and FSA administrators and how do they differ?”Budget-constrained“What is the best HSA and FSA administrator for a company with a limited budget?”Scale-constrained“We are a 500 person company evaluating a HSA and FSA administrator. What should we look at?”Negative“Which HSA and FSA administrators should I avoid or be cautious about?”
Claude Haiku 4.5HealthEquityWEX HealthChangedno first choiceFidelity HSAno first choiceagainst: Bank of America, FSA Store, HSA Bank, Optum, Voya
Three alternatives
Ameriflex, Sentinel Benefits & Financial Group, WEX BenefitsThree alternatives
Benefytt, Namely, PlanSourceFour alternatives
Benepass, Empower, Lively, WEX BenefitsGPT-5.4 miniFormaWEX BenefitsChangedno first choiceHSA Bankno first choiceagainst: Benefits Plan Administrative Services, Coastal Administrative Services, HSA Bank, Inspira, National Benefit Services, Sterling Administration, WEX Benefits
Two alternatives
Lively, WEX BenefitsThree alternatives
Alight, Benefitfocus, LumityGemini 3.5 FlashBenepass, Formaagainst: HSA Bank, HealthEquity, WEX BenefitsLivelyChangedagainst: HealthEquityFidelity HSALivelyno first choiceagainst: HSA Bank, HealthEquity, Inspira Financial, Optum Bank, TASC
Four alternatives
Fidelity HSA, Lively, Navia Benefit Solutions, Sentinel BenefitsFour alternatives
Benepass, Fidelity Workplace Solutions, Forma, Navia Benefit SolutionsFive alternatives
HealthEquity, Lively, Optum Bank, Optum Financial, WEX BenefitsTwo alternatives
Fidelity HSA, GustoPerplexity SonarHealthEquityADP Workforce NowChangedno first choiceAvidia Healthagainst: Livelyno first choicenothing named
Three alternatives
Associated Benefits Connection / Associated Bank, Benepass, WEX BenefitsTwo alternatives
Forma, HealthEquityTwo alternatives
Benefit Resource, WEX BenefitsGrok 4.1 FastHealthEquity, LivelyHealthEquityChangedHealthEquityFidelity HSA, Livelyagainst: Navia Benefit Solutions, WEX Benefitsno first choiceagainst: HSA Bank, HealthEquity, Igoe Administrative Services, Inspira Financial, Navia Benefits, P&A Group, TASC, WageWorks
One alternative
Fidelity HSAThree alternatives
Alegeus, Benepass, WEX BenefitsSix alternatives
ADP, Alegeus, Clarity, Inspira Financial, NueSynergy, PaychexTwo alternatives
HSA Bank, HealthEquityMistral Smallno first choiceForma, HealthEquityChangedHealthEquityFidelity HSA, Gustono first choiceagainst: HSA Bank, HealthEquity, Inspira Financial
Two alternatives
JULY, PlanSourceTwo alternatives
Alegeus Technologies, NueSynergyTwo alternatives
Complete Payroll Solutions, Sage BenefitsDeepSeek V4 FlashHealthEquity, WEX HealthWEX BenefitsChangedHealthEquityFidelity HSA, Navia Benefit Solutionsagainst: Benepass, HealthEquityno first choiceagainst: Alight Solutions, Flores & Associates, HSA Bank, HealthEquity, Optum Bank / Optum Financial, Rocky Mountain Reserve, Sterling Administration, TASC, WEX Health
Three alternatives
Fidelity HSA, Lively, Navia Benefit SolutionsThree alternatives
Alegeus, Elevate, HealthEquitySix alternatives
Discovery Benefits, Fidelity HSA, HSA Bank, Lively, Optum Bank, WEX BenefitsThree alternatives
ASIFlex, Gusto, LivelyLlama 4 Maverickno first choiceno first choiceHeldno first choiceno first choiceno first choicenothing named
Qwen 3.7 FlashLivelyEversideChangedHealthEquityagainst: Fidelity HSAFidelity HSAagainst: Lively, WEX Benefitsno first choiceagainst: Sterling Administration, WEX Health
Five alternatives
Fidelity HSA, Further Health, HSA Bank, HealthEquity, Navia Benefit SolutionsTwo alternatives
ConnectYourCare, Lively HealthSeven alternatives
Admin America, Alight, Flores, NueSynergy, Optum, PayFlex, WEX BenefitsOne alternative
Soteria HRKimi K2Flores Financial Servicesagainst: BASIC, Navia Benefit Solutions, TASCAlegeusChangedHealthEquityLivelyagainst: HSA Bank, WEX Benefitsno first choiceagainst: ASI Flex, Discovery Benefits, HSA Bank, HealthEquity, WageWorks
Three alternatives
Businessolver, HealthEquity, WEX HealthOne alternative
ElevateFive alternatives
Alegeus, HSA Bank, Lively, Optum Bank, PayFlexThree alternatives
Avidia Bank, Fidelity HSA, HealthEquityGLM 4.7 FlashXBusinessolverHealthEquityChangedHealthEquityHealthEquityagainst: ADP, Paylocity, Soteria, WEX Benefitsno first choiceagainst: Health Matching Account Services, Inc., HealthEquity, P&A Group
Seven alternatives
Alegeus, Fidelity HSA, Flores, HSA Bank, HealthEquity, Lively, WEX HealthThree alternatives
EmployerFlex, Flex Administrators, TRI-ADFive alternatives
Businessolver, Fidelity HSA, HSA Bank, Optum, WEX BenefitsTwo alternatives
Fidelity HSA, LivelyMiniMax M2.5HealthEquityHealthEquity, WEX HealthChangedno first choiceno first choiceno first choiceagainst: HealthEquity, OptumBank/Optum, Rocky Mountain Reserve, WEX Benefits
Three alternatives
Businessolver, Further, WEX HealthThree alternatives
Alegeus, Forma, PlanSourceGPT-6 LunaWEX BenefitsHealthEquityChangedFidelity HSAHealthEquity, Livelyno first choiceagainst: Bank of America, HealthEquity, Navia Benefit Solutions, Optum, WEX Benefits, WageWorks
One alternative
HealthEquityTwo alternatives
Navia Benefit Solutions, WEX BenefitsMuse Glimmer 30BHealthEquityBusinessolver, HealthEquity, Navia Benefit SolutionsChangedHealthEquityAvidia Healthno first choiceagainst: Alegeus Technologies / WealthCare administration, HSA Bank, HealthEquity
Three alternatives
Allegiance, Lively, WEX HealthFour alternatives
ADP Workforce Now, PlanSource, Selerix, Workday BenefitsThree alternatives
Alight Solutions, Discovery Benefits, PayFlexFour alternatives
Fidelity HSA, HSA Authority, Lively, WEX BenefitsBold 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 | 2026-10-04 22:23 | yes | 12 | 8 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 22:24 | yes | 2 | 8 s |
| Direct recommendation | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 22:37 | yes | 18 | 28 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-10-04 22:30 | yes | 17 | 4 s |
| Direct recommendation | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-04 22:17 | yes | 17 | 10 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-10-04 22:30 | yes | 10 | 6 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-04 22:26 | yes | 18 | 24 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-04 22:29 | yes | 5 | 2 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-04 22:23 | yes | 13 | 27 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 22:40 | yes | 16 | 20 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 22:40 | yes | 22 | 33 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 22:40 | yes | 8 | 46 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-10-04 22:39 | yes | 3 | 32 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 22:30 | yes | 12 | 17 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-04 22:21 | yes | 9 | 7 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 22:18 | yes | 0 | 4 s |
| Paraphrase | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 22:13 | yes | 16 | 29 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-10-04 22:26 | yes | 19 | 3 s |
| Paraphrase | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-04 22:17 | yes | 24 | 9 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-10-04 22:37 | yes | 5 | 4 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-04 22:25 | yes | 25 | 23 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-04 22:21 | yes | 5 | 2 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-04 22:24 | no | 0 | 27 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 22:19 | yes | 22 | 27 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 22:25 | yes | 14 | 17 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 22:35 | yes | 9 | 36 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-10-04 22:23 | yes | 3 | 14 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 22:36 | yes | 16 | 23 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-04 22:21 | yes | 19 | 12 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 22:16 | yes | 4 | 5 s |
| Comparative | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 22:23 | yes | 14 | 27 s |
| Comparative | Perplexity Sonar | sonar | 2026-10-04 22:21 | yes | 15 | 4 s |
| Comparative | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-04 22:33 | yes | 23 | 13 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-10-04 22:25 | yes | 13 | 7 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-04 22:18 | yes | 24 | 36 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-04 22:26 | yes | 5 | 2 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-04 22:29 | yes | 12 | 43 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 22:29 | yes | 22 | 30 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 22:24 | yes | 12 | 42 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 22:26 | yes | 20 | 35 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-10-04 22:40 | yes | 5 | 38 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 22:19 | yes | 18 | 28 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-04 22:18 | yes | 16 | 9 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 22:23 | yes | 2 | 5 s |
| Budget constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 22:26 | yes | 23 | 30 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-10-04 22:24 | yes | 15 | 3 s |
| Budget constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-04 22:35 | yes | 21 | 11 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-10-04 22:21 | yes | 13 | 7 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-04 22:40 | yes | 24 | 37 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-04 22:22 | yes | 5 | 2 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-04 22:13 | yes | 14 | 45 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 22:20 | yes | 23 | 22 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 22:21 | yes | 24 | 53 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 22:14 | yes | 5 | 27 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-10-04 22:18 | yes | 3 | 21 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 22:28 | yes | 12 | 18 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-04 22:29 | no | 0 | 7 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 22:17 | yes | 3 | 8 s |
| Scale constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 22:17 | yes | 18 | 25 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-10-04 22:16 | yes | 18 | 4 s |
| Scale constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-04 22:24 | yes | 10 | 8 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-10-04 22:37 | no | 0 | 9 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-04 22:20 | yes | 21 | 50 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-04 22:25 | yes | 5 | 3 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-04 22:18 | no | 0 | 27 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 22:40 | yes | 23 | 31 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 22:33 | yes | 19 | 150 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 22:29 | yes | 8 | 16 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-10-04 22:29 | yes | 3 | 25 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 22:39 | yes | 13 | 20 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-04 22:37 | yes | 18 | 9 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 22:32 | yes | 8 | 6 s |
| Negative framing | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 22:18 | yes | 28 | 26 s |
| Negative framing | Perplexity Sonar | sonar | 2026-10-04 22:20 | yes | 17 | 4 s |
| Negative framing | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-04 22:39 | yes | 23 | 9 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-10-04 22:38 | yes | 8 | 6 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-04 22:20 | yes | 24 | 29 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-04 22:26 | yes | 7 | 3 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-04 22:31 | yes | 5 | 28 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 22:19 | yes | 24 | 20 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 22:38 | yes | 23 | 29 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 22:25 | yes | 23 | 24 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-10-04 22:28 | yes | 4 | 22 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 22:38 | yes | 23 | 23 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
Fidelity read as Fidelity HSA
Fidelity Investments read as Fidelity HSA
Navia read as Navia Benefit Solutions
WEX read as WEX Benefits
Wex read as WEX Benefits
Unresolved, counted raw
ASI Flex
Alegeus Technologies
Alegeus Technologies / WealthCare administration
Allegiance
American Benefit Corporation
Associated Benefits Connection / Associated Bank
Benefits Plan Administrative Services (BPAS)
Benefytt
Benely
Cigna
Clarity Benefit Solutions
Coastal Administrative Services
ConnectYourCare
EBC
Everside
FSA Store
FSA Store Card / PayFlex (now part of Aetna)
Fidelity Workplace Solutions
Flores Financial Services
Further Health
Health Matching Account Services, Inc.
HealthPartners
Inspira
JULY
Kushner POP
Lively Health
Lumity
National Benefit Services (NBS)
OptumBank/Optum
Proseer
Sage Benefits
Sentinel Benefits
Sentinel Benefits & Financial Group
Sentinel Group
UMB
UMB Bank
UnitedHealthcare
Zenesys
Discontinued, still offered
No shut-down product was recommended here.
Follow HSA and FSA administrators
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