HSA and FSA administrators for enterprise buyers
Asked as “HSA and FSA administrator”, and as “consumer-directed benefits administrator”, on behalf of an enterprise B2B company. 57 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
39%
Contested · WEX Benefits 18%
39HealthEquity18WEX Benefits11Lively33others
39% 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 an enterprise B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrant
Show the three products at 0%, ordered by negative rate
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.
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
06
07O08
09
10O11
12Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative50%
Key
01HealthEquity39%
HealthEquity39%02WEX Benefits18%
WEX Benefits18%03Lively11%
Lively11%04Benepass7%
Benepass7%05Alegeus7%
Alegeus7%06Fidelity HSA4%
Fidelity HSA4%07WEX Health4%
WEX Health4%08Optum Bank4%
09Navia Benefit Solutions2%
Navia Benefit Solutions2%10HSA Bank0%
HSA Bank0%11Optum Financial0%
12WageWorks0%
WageWorks0%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.
HealthEquity16%
10 of 61 labels negative · 10 of 14 models · 9 hard negative
“HealthEquity is one of the largest HSA administrators in the country, but it has faced severe criticism regarding cybersecurity. In 2024, the company disclosed a massive data breach affecting 4.3 million users.” Gemini 3.5 Flash, negative prompt
HSA Bank15%
4 of 27 labels negative · 4 of 14 models · 3 hard negative
“recent Trustpilot reviews mention processing errors and account-access/fee issues” GPT-5.4 mini, negative prompt
Navia Benefit Solutions36%
4 of 11 labels negative · 4 of 14 models · 3 hard negative
“Navia Benefit Solutions ⚠️ SECURITY CONCERN - Major 2024 data breach: 2.7 million individuals affected” Kimi K2, negative prompt
WageWorks33%
4 of 12 labels negative · 4 of 14 models · 3 hard negative
“Previously rated poorly with complaints about unauthorized account withdrawals, missing cards, repeated documentation requests, and denied claims.” MiniMax M2.5, 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
80 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. 1304 links across 284 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.
46 answers · 79 citations · 12 models
40 answers · 52 citations · 11 models
37 answers · 57 citations · 11 models
37 answers · 45 citations · 10 models
30 answers · 51 citations · 10 models
27 answers · 47 citations · 10 models
25 answers · 43 citations · 12 models
vendor site · Guideflow25 answers · 25 citations · 10 models
25 answers · 25 citations · 11 models
25 answers · 25 citations · 11 models
24 answers · 35 citations · 9 models
vendor site · HealthEquity23 answers · 33 citations · 11 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.
36 answers · 11 models
33 answers · 12 models
32 answers · 10 models
29 answers · 10 models
25 answers · 10 models
25 answers · 11 models
25 answers · 11 models
22 answers · 10 models
21 answers · 9 models
17 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 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 | 39% | 161 | 450,000 | 1,903 | 1,323,750 | 120 | ||
| WEX wexinc.com WEX Benefits 18%, WEX Health 4%, WEX Benefits Administration 2% | 23% | 105 | 40,500 | 1,030 | 229,187 company | $181 | 86 | |
| Lively livelyme.com | 11% | 109 | 49,500 | 7,526,229 | 57,968 | 24 | ||
| Benepass getbenepass.com | 7% | 190 | 14,800 | 99 | 30,964 | |||
| Alegeus alegeus.com | 7% | 32 | 1,900 | 61 | ||||
| Fidelity HSA fidelity.com | 4% | 96 | 49,500 | 822 | 54,604,127 | $1,174 | 84 | |
| Optum Bank | 4% | 90,500 | 411 | |||||
| Businessolver businessolver.com | 2% | 52 | 6,600 | 121 | 31,252 | 0 | ||
| Navia naviabenefits.com Navia Benefit Solutions 2% | 2% | 47 | 3,600 | 33 | 81,648 company | 7 | ||
| Benefitfocus benefitfocus.com | 2% | 112 | 4,400 | 142 | 32,082 | 3 |
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 an enterprise B2B company?”Paraphrase“Which consumer-directed benefits administrator would you recommend to a large B2B company with thousands of employees?”Comparative“What are the top enterprise-grade HSA and FSA administrators and how do they differ?”Budget-constrained“What is the best HSA and FSA administrator for a large company that needs predictable total cost across thousands of users?”Scale-constrained“We are a 5,000 person company with SSO, SOC 2 and procurement review requirements evaluating a HSA and FSA administrator. What should we look at?”Negative“Which HSA and FSA administrators should a large enterprise avoid or be cautious about?”
Claude Haiku 4.5BenepassHealthEquityChangedHealthEquityHealthEquityno first choiceagainst: Further, HealthEquity, WageWorks
Three alternatives
HSA Bank, HealthEquity, TASCTwo alternatives
TASC, WEX BenefitsFive alternatives
BASIC, Fidelity HSA, Navia Benefit Solutions, Optum Financial, Total Administrative Services CorporationOne alternative
TASCGPT-5.4 miniLively, WEX BenefitsInspira FinancialChangedHealthEquityBenefitfocus, Businessolver, Fidelity HSAno first choiceagainst: American Fidelity, American Plan Administrators / Health Savings Administrators, HSA Bank, HealthEquity, NueSynergy, P&A Group, Paychex, Vestwell
Three alternatives
ADP Workforce Now, Rippling, Workday HCMOne alternative
ADPThree alternatives
HSA Bank, Optum Financial, WEX BenefitsGemini 3.5 FlashBenepass, LivelyWEX BenefitsChangedFidelity HSA, HealthEquityLivelyno first choiceagainst: HSA Bank, HealthEquity, Optum Bank, Optum Financial, WEX Benefits
Four alternatives
Fidelity HSA, HealthEquity, Optum Financial, WEX BenefitsThree alternatives
Benepass, Fidelity HSA, HealthEquityFour alternatives
Benepass, Lively, Optum Financial, WEX BenefitsTwo alternatives
Fidelity NetBenefits, WEX BenefitsPerplexity SonarLivelyWEX BenefitsChangedno first choiceBenepassno first choicenothing named
Two alternatives
Fidelity HSA, OptumThree alternatives
Businessolver, Elevate, EmpowerOne alternative
HealthEquityGrok 4.1 FastHealthEquity, Optum BankHealthEquityChangedHealthEquityHealthEquityHealthEquityagainst: BASIC, Benefitfocus, HealthEquity, Navia Benefits
Two alternatives
Benepass, LivelyFour alternatives
Alegeus, HSA Bank, Optum Financial, WEX HealthFive alternatives
Alight, HSA Bank, Lively, Optum, Optum BankTwo alternatives
Benepass, HSA BankThree alternatives
Benepass, Forma, LivelyMistral SmallLively, Optum Bank, WEX BenefitsAlegeus, WEX BenefitsChangedHealthEquityFidelity HSA, HealthEquityno first choiceagainst: The P&A Group, WEX Benefits
Two alternatives
HealthEquity, PayFlexOne alternative
bswiftFour alternatives
ADP, Alight, HSA Bank, LivelyDeepSeek V4 FlashHealthEquityHealthEquityHeldHealthEquity, WEX Benefitsagainst: Benepass, Flex Administrators, LivelyHealthEquityno first choiceagainst: HealthEquity, Navia Benefit Solutions, WEX Health, Inc.
Three alternatives
Fidelity Investments HSA, Optum Bank, WEX BenefitsOne alternative
WEX BenefitsThree alternatives
Fidelity HSA, HSA Bank, Optum FinancialTwo alternatives
Lively, WEX HealthLlama 4 Maverickno first choiceAlegeusChangedHealthEquityBenepassno first choicenothing named
Three alternatives
HSA Bank, HealthEquity, WEX HealthTwo alternatives
Fidelity HSA, LivelyOne alternative
WEX HealthQwen 3.7 FlashHealthEquity, Livelyagainst: JPMorgan ChaseWEX Benefits AdministrationChangedHealthEquityNavia Benefit Solutionsagainst: WEX Healthno first choiceagainst: HealthEquity, WEX Benefits
Three alternatives
Flores Benefits Administration, PayFlex, WEX Inc.One alternative
HealthEquityFour alternatives
ClearHealth, Linum Link, Optum, WageWorksTwo alternatives
Fidelity HSA, HealthEquityKimi K2HealthEquity, WEX Benefitsagainst: LivelyHealthEquityChangedHealthEquityHealthEquityno first choiceagainst: Further, HSA Bank, HealthEquity, Navia Benefit Solutions, TASC, WageWorks
Two alternatives
Optum Financial, P&A GroupTwo alternatives
Alegeus, WEX HealthSeven alternatives
Alegeus, Further, HSA Bank, Lively, Optum Bank / Optum Financial, PayFlex, WEX BenefitsTwo alternatives
Discovery Benefits, PayFlexGLM 4.7 FlashXHealthEquityWEX BenefitsChangedHealthEquityHealthEquityno first choiceagainst: BASIC, Function Health, HealthEquity, Rocky Mountain Reserve, Sterling Administration
Two alternatives
Fidelity HSA, WageWorksOne alternative
AlegeusFive alternatives
ASIFlex, Flores, HSA Bank, Lively, Optum BankTwo alternatives
Benepass, Navia Benefit SolutionsMiniMax M2.5no first choiceAlegeus, HealthEquity, WEX HealthChangedHealthEquity, Optum Bank / Optum FinancialHealthEquity, WEX Healthagainst: HSA Bank, LivelyWEX Benefitsagainst: Alight Solutions, HRC Total Solutions, HealthEquity, Navia Benefit Solutions, WageWorks
One alternative
ElevateFive alternatives
Fidelity HSA, Further, HSA Bank, Lively, WEX HealthOne alternative
AlegeusThree alternatives
Benepass, Chard Snyder, FurtherGPT-6 LunaHealthEquity, WEX BenefitsHealthEquityChangedHSA Bank, HealthEquity, Optum Financial, WEX BenefitsWEX Benefitsno first choiceagainst: HealthEquity, Navia Benefit Solutions, WageWorks
Two alternatives
Navia Benefit Solutions, Optum FinancialTwo alternatives
Optum Financial, WEX BenefitsThree alternatives
Benefit Resource (BRI), an Inspira solution, Fidelity HSA, Navia Benefit SolutionsTwo alternatives
HealthEquity, Optum FinancialMuse Glimmer 30BHealthEquityAlegeusChangedHealthEquityHealthEquityno first choiceagainst: HealthEquity Inc., Inspira Financial, Navia Benefit Solutions, Inc., Sterling Administration, TASC, WEX Health, Inc.
Three alternatives
Fidelity HSA, Optum Bank, WEX HealthTwo alternatives
HealthEquity, WEX HealthThree alternatives
Flex Administrators, Total Administrative Services Corporation – TASC, WEX Inc. / WEX HealthFour alternatives
Businessolver, Fidelity HSA, Navia Benefit Solutions, 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 22:22 | yes | 9 | 8 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 22:22 | yes | 3 | 5 s |
| Direct recommendation | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 22:26 | yes | 18 | 34 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-10-04 22:26 | yes | 13 | 3 s |
| Direct recommendation | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-04 22:39 | yes | 23 | 10 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-10-04 22:33 | yes | 17 | 9 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-04 22:22 | yes | 22 | 37 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-04 22:39 | yes | 5 | 2 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-04 23:45 | yes | 8 | 27 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 22:26 | yes | 17 | 54 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 22:23 | yes | 23 | 79 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 22:23 | yes | 5 | 54 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-10-04 22:15 | yes | 5 | 20 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 22:22 | yes | 25 | 33 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-04 22:13 | yes | 18 | 10 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 22:22 | yes | 2 | 4 s |
| Paraphrase | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 22:17 | yes | 14 | 22 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-10-04 22:18 | yes | 19 | 2 s |
| Paraphrase | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-04 22:36 | yes | 23 | 7 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-10-04 22:17 | yes | 5 | 3 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-04 22:21 | yes | 25 | 27 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-04 22:18 | yes | 5 | 3 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-04 22:33 | yes | 14 | 34 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 22:17 | yes | 25 | 34 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 22:15 | yes | 25 | 47 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 22:19 | yes | 13 | 30 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-10-04 22:27 | yes | 2 | 13 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 22:23 | yes | 14 | 16 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-04 22:38 | yes | 27 | 19 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 22:19 | yes | 6 | 5 s |
| Comparative | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 22:37 | yes | 21 | 27 s |
| Comparative | Perplexity Sonar | sonar | 2026-10-04 22:22 | yes | 18 | 5 s |
| Comparative | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-04 22:19 | yes | 21 | 13 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-10-04 22:39 | yes | 15 | 8 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-04 22:38 | yes | 20 | 38 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-04 22:37 | yes | 5 | 2 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-04 22:33 | no | 0 | 28 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 22:32 | yes | 24 | 30 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 22:41 | yes | 19 | 78 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 22:15 | yes | 21 | 49 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-10-04 22:31 | yes | 8 | 48 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 22:24 | yes | 23 | 33 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-04 22:37 | yes | 17 | 8 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 22:17 | yes | 2 | 5 s |
| Budget constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 22:36 | yes | 20 | 28 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-10-04 22:20 | yes | 15 | 4 s |
| Budget constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-04 22:39 | yes | 20 | 11 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-10-04 22:28 | yes | 11 | 7 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-04 22:34 | yes | 23 | 39 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-04 22:33 | yes | 5 | 2 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-04 22:14 | yes | 17 | 69 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 22:19 | yes | 24 | 36 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 22:21 | yes | 18 | 33 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 22:20 | yes | 23 | 56 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-10-04 22:23 | yes | 4 | 21 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 22:26 | yes | 22 | 42 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-04 22:18 | yes | 19 | 13 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 22:33 | no | 0 | 10 s |
| Scale constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 22:25 | yes | 9 | 32 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-10-04 22:31 | yes | 20 | 11 s |
| Scale constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-04 22:27 | yes | 22 | 11 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-10-04 22:16 | no | 0 | 8 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-04 22:13 | yes | 22 | 40 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-04 22:27 | yes | 5 | 3 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-04 22:31 | no | 0 | 29 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 22:18 | yes | 24 | 30 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 22:28 | yes | 25 | 115 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 22:25 | yes | 23 | 29 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-10-04 22:39 | yes | 4 | 30 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 22:33 | yes | 25 | 28 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-04 22:24 | yes | 37 | 11 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 22:32 | yes | 8 | 7 s |
| Negative framing | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 22:28 | yes | 18 | 31 s |
| Negative framing | Perplexity Sonar | sonar | 2026-10-04 22:23 | yes | 17 | 4 s |
| Negative framing | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-04 22:24 | yes | 22 | 9 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-10-04 22:26 | yes | 9 | 4 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-04 22:25 | yes | 23 | 40 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-04 22:33 | yes | 5 | 2 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-04 22:31 | yes | 25 | 54 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 22:36 | yes | 24 | 25 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 22:27 | yes | 22 | 45 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 22:35 | yes | 23 | 35 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-10-04 22:34 | yes | 2 | 27 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 22:27 | yes | 25 | 37 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 (WEX Health) read as WEX Benefits
Unresolved, counted raw
Aetna
American Fidelity
American Plan Administrators / Health Savings Administrators
Benefit Resource (BRI), an Inspira solution
Chard Snyder (WEX subsidiary)
ClearHealth
Diversified Benefit Services (DBS)
Fidelity Investments HSA
Fidelity NetBenefits
Flores Benefits Administration
Function Health
HRC Total Solutions
HealthEquity Inc.
HealthVault
Linum Link
Navia Benefit Solutions, Inc.
Olive
Shortlister
The P&A Group
Total Administrative Services Corporation (TASC)
Total Administrative Services Corporation – TASC
Verifone
WEX Benefits Administration
WEX Inc.
WEX Inc. / WEX Health
Discontinued, still offered
No shut-down product was recommended here.