HSA and FSA administrators for small business buyers
Asked as “HSA and FSA administrator”, and as “consumer-directed benefits administrator”, on behalf of a small B2B company. 59 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
37%
Contested · Gusto 10%
37Lively10Gusto08HealthEquity44others
37% 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 small B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrant
Show the one product 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
07
08
09Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative50%
Key
01Lively37%
Lively37%02Gusto10%
Gusto10%03HealthEquity8%
HealthEquity8%04Fidelity HSA7%
Fidelity HSA7%05WEX Benefits7%
WEX Benefits7%06Alegeus3%
Alegeus3%07Navia Benefit Solutions2%
Navia Benefit Solutions2%08WEX Health2%
WEX Health2%09HSA Bank0%
HSA Bank0%What they warned about
Two of fourteen models held their first choice under the paraphrase. Claude Haiku 4.5, GPT-5.4 mini, 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.
HealthEquity25%
11 of 44 labels negative · 9 of 14 models · 5 hard negative
“Consumer sentiment is repeatedly negative. Trustpilot ratings for healthequity.com are shown as "Bad" with ~1.2 / 5” Muse Glimmer 30B, negative prompt
Sterling Administration100%
5 of 5 labels negative · 5 of 14 models · 3 hard negative
“**Verdict:** **Avoid.** The severity of complaints regarding withheld funds poses a significant liability for employers.” Qwen 3.7 Flash, negative prompt
HSA Bank17%
4 of 24 labels negative · 4 of 14 models · 1 hard negative
“Most reviewers reported being let down by their overall experience, with many expressing deep frustration with the customer service department” Claude Haiku 4.5, negative prompt
WEX Benefits15%
4 of 27 labels negative · 4 of 14 models · 1 hard negative
“"Not great" online reviews, user-unfriendly interfaces, expense approval issues, and slow callbacks/proposals” Grok 4.1 Fast, 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
82 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. 1216 links across 236 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.
47 answers · 52 citations · 11 models
36 answers · 40 citations · 10 models
36 answers · 38 citations · 11 models
vendor site · Soteria HR36 answers · 36 citations · 10 models
35 answers · 41 citations · 13 models
32 answers · 40 citations · 10 models
29 answers · 55 citations · 12 models
29 answers · 29 citations · 12 models
26 answers · 33 citations · 10 models
vendor site · G225 answers · 42 citations · 11 models
25 answers · 32 citations · 12 models
23 answers · 27 citations · 8 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.
46 answers · 11 models
36 answers · 10 models
35 answers · 10 models
34 answers · 11 models
29 answers · 10 models
27 answers · 11 models
24 answers · 12 models
21 answers · 9 models
19 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 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 |
|---|---|---|---|---|---|---|---|
| Lively livelyme.com | 37% | 109 | 49,500 | 7,526,229 | 57,968 | 24 | |
| Gusto gusto.com | 10% | 870 | 673,000 | 10,560 | 1,629,483 | 118 | |
| HealthEquity healthequity.com | 8% | 161 | 450,000 | 1,903 | 1,323,750 | 120 | |
| WEX wexinc.com WEX Benefits 7%, WEX Health 2% | 8% | 105 | 40,500 | 1,030 | 229,187 company | $181 | 86 |
| Fidelity HSA fidelity.com | 7% | 96 | 49,500 | 822 | 54,604,127 | $1,174 | 84 |
| Hammock usehammock.co | 3% | 9 | |||||
| Alegeus alegeus.com | 3% | 32 | 1,900 | 61 | |||
| Ameriflex myameriflex.com | 3% | 11 | 27,100 | 177 | 28,050 | ||
| TASC tasconline.com | 3% | 34 | 40,500 | 2,095 | 63,431 | $1,544 | 18 |
| Soteria soteriahr.com Soteria 2%, Soteria HR 2% | 3% | 7 |
Google's top ten for the three searches hold 24 sites; 1 of them are among the sites the models cited here (myshortlister.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 small B2B company?”Paraphrase“Which consumer-directed benefits administrator would you recommend to a small business that sells to other businesses?”Comparative“What are the top HSA and FSA administrators for a small team and how do they differ?”Budget-constrained“What is the best HSA and FSA administrator for a small company with a tight budget?”Scale-constrained“We are a 30 person company evaluating a HSA and FSA administrator. What should we look at?”Negative“Which HSA and FSA administrators should a small business avoid or be cautious about?”
Claude Haiku 4.5Fidelity HSAAmeriflexChangedFidelity HSALivelyno first choiceagainst: Further, HSA Bank, Optum Bank / Optum Financial
Three alternatives
HSA Bank, Lively, TASCThree alternatives
Driven Benefit Administrators, Key Benefit Administrators, TRI-ADThree alternatives
BASIC, HSA Bank, HealthEquityFour alternatives
Avidia Health, BASIC, Fidelity HSA, Inspira FinancialGPT-5.4 miniGustoHammockChangedHSA Bank, HealthEquityFidelity HSA, Livelyno first choiceagainst: HSA Bank, HealthEquity, Optum Financial, WEX Benefits, WageWorks
One alternative
JustworksFour alternatives
Gusto, Inspira Financial, Navia Benefit Solutions, WEX BenefitsTwo alternatives
Optum Financial, WEX BenefitsOne alternative
HealthEquityGemini 3.5 FlashLivelyLivelyHeldGusto, Ripplingagainst: HealthEquity, WEX BenefitsGustoagainst: LivelyGusto, Ripplingagainst: HSA Bank, Optum Bank, TASC, WEX Health
Four alternatives
Benepass, Elevate, Fidelity HSA, GustoFour alternatives
Benepass, Forma, PeopleKeep, ThatchThree alternatives
Fidelity HSA, Lively, Navia Benefit SolutionsFour alternatives
Ameriflex, Fidelity HSA, Navia Benefit Solutions, OnPayFour alternatives
Benepass, Lively, Navia Benefit Solutions, WEX BenefitsPerplexity SonarSoteria HRElevate, GustoChangedEmployerFlex, Livelyagainst: FloresAvidia Bank, EmployerFlexagainst: Livelyno first choicenothing named
Three alternatives
EmployerFlex, Fidelity HSA, LivelyTwo alternatives
Alegeus, GravieThree alternatives
Avidia Bank, Fidelity HSA, HealthEquityOne alternative
BASICGrok 4.1 FastLivelyagainst: HealthEquityHealthEquityChangedagainst: HSA BankFidelity HSAagainst: HealthEquityLivelyHealthEquity, Livelyagainst: HealthEquity, Optum, Sterling Administration, TASC, WEX Benefits
Three alternatives
Fidelity HSA, SoteriaHR, WEX BenefitsTwo alternatives
Alegeus, WEX HealthFive alternatives
Benepass, HSA Bank, Lively, TASC, WEX BenefitsTwo alternatives
Fidelity HSA, WEX BenefitsThree alternatives
Benepass, Fidelity HSA, FormaMistral SmallHealthEquity, LivelyHealthEquity, WEX HealthChangedHammockLivelyno first choiceagainst: Igoe Administrative Services, WageWorks
Two alternatives
Alerus, WEX BenefitsTwo alternatives
Alegeus, HSA BankFour alternatives
Admin America, HSA Bank, Soteria, The HSA AuthorityDeepSeek V4 FlashLivelyLivelyHeldLivelyLively, TASCagainst: Avidia HealthLivelyagainst: Discovery Benefits, HealthEquity, PayFlex, Sterling Administration, WageWorks
Three alternatives
Fidelity HSA, Hammock, WEX BenefitsTwo alternatives
HealthEquity, WEX BenefitsSix alternatives
Fidelity HSA, HSA Bank, Hammock, HealthEquity, Inspira Financial, WEX BenefitsSix alternatives
Avidia, Avidia Bank, Benepass, HSA Bank, Navia Benefit Solutions, Optum BankLlama 4 MaverickSoteriano first choiceChangedno first choiceLivelyno first choicenothing named
One alternative
AlerusQwen 3.7 FlashLivelyFidelity HSA, WEX BenefitsChangedLivelyThrivePassno first choiceagainst: HealthEquity, Navia Benefits, Rocky Mountain Reserve, Sterling Administration
Two alternatives
Fidelity HSA, WEX HealthTwo alternatives
Alegeus, LivelyTwo alternatives
Fidelity HSA, WEX BenefitsOne alternative
LivelyKimi K2Lively, WEX BenefitsLivelyChangedLivelyLivelyno first choiceagainst: Discovery Benefits, HealthEquity, Navia Benefit Solutions, Sterling Administration
Two alternatives
Benepass, HealthEquityThree alternatives
Alegeus, First Dollar, HealthEquityFour alternatives
Flores, HealthEquity, The HSA Authority, WEX HealthThree alternatives
Discovery Benefits, HealthEquity, Navia Benefit SolutionsGLM 4.7 FlashXLivelyAlegeusChangedFidelity HSA, HealthEquityHealthEquityno first choiceagainst: Alegeus, BASIC, BenefitWallet, Forma, WEX Health
Three alternatives
HealthEquity, TASC, WEX BenefitsTwo alternatives
BAS, GustoFour alternatives
EmployerFlex, Flores, Navia Benefit Solutions, TMGTwo alternatives
Fidelity HSA, LivelyMiniMax M2.5Alerus, WEX Benefitsno first choiceChangedBenepass, LivelyLivelyFidelity HSAagainst: HealthEquity, Navia Benefits, PayFlex Systems USA, Rocky Mountain Reserve, Sterling Administration
One alternative
Fidelity HSAThree alternatives
Alerus, HealthEquity, WEX BenefitsFour alternatives
Avidia Health, HSA Bank, Navia Benefit Solutions, WEX HealthThree alternatives
Alerus, HealthEquity, LivelyGPT-6 LunaGustoLivelyChangedHealthEquity, Lively, Navia Benefit SolutionsGustono first choiceagainst: HealthEquity, Navia Benefit Solutions, Optum Financial, WEX Benefits, WageWorks
Three alternatives
HealthEquity, Rippling, WEX BenefitsOne alternative
WEX BenefitsOne alternative
HealthEquityMuse Glimmer 30BHammock, WEX BenefitsAlegeus, Navia Benefit SolutionsChangedFidelity HSA, Livelyagainst: FloresAmeriflex, Lively, TASCno first choiceagainst: Alight Solutions, HealthEquity, Navia Benefits
Three alternatives
Alerus, Fidelity HSA, LivelyFive alternatives
HSA Bank, HealthEquity, Lively, PeopleKeep, WEX HealthThree alternatives
HealthEquity, HealthEquity FSA, WEX HealthSix alternatives
Avidia Bank, Avidia Health, Fidelity HSA, Further, HealthEquity, WEX HealthBold 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 22:33 | yes | 16 | 8 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 22:15 | yes | 4 | 4 s |
| Direct recommendation | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 22:38 | yes | 14 | 23 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-10-04 22:27 | yes | 17 | 5 s |
| Direct recommendation | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-04 22:13 | yes | 22 | 13 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-10-04 22:37 | yes | 14 | 8 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-04 22:23 | yes | 24 | 35 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-04 22:26 | yes | 5 | 2 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-04 22:18 | yes | 18 | 53 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 22:15 | yes | 24 | 24 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 22:30 | yes | 23 | 30 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 22:21 | yes | 10 | 17 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-10-04 22:32 | yes | 4 | 15 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 22:29 | yes | 20 | 29 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-04 22:23 | yes | 9 | 6 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 22:21 | yes | 4 | 4 s |
| Paraphrase | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 22:24 | yes | 19 | 25 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-10-04 22:26 | yes | 18 | 3 s |
| Paraphrase | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-04 22:34 | yes | 21 | 12 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-10-04 22:27 | yes | 12 | 7 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-04 22:35 | yes | 23 | 30 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-04 22:20 | yes | 5 | 2 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-04 22:38 | yes | 9 | 51 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 22:28 | yes | 23 | 36 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 22:37 | yes | 23 | 28 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 22:28 | yes | 11 | 28 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-10-04 22:18 | yes | 3 | 17 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 22:17 | yes | 14 | 27 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-04 22:17 | yes | 19 | 12 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 22:13 | yes | 4 | 7 s |
| Comparative | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 22:37 | yes | 26 | 30 s |
| Comparative | Perplexity Sonar | sonar | 2026-10-04 22:27 | yes | 17 | 5 s |
| Comparative | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-04 22:37 | yes | 21 | 10 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-10-04 22:37 | yes | 10 | 7 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-04 22:15 | yes | 21 | 42 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-04 22:36 | yes | 5 | 2 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-04 22:34 | yes | 18 | 78 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 22:38 | yes | 21 | 30 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 22:32 | yes | 18 | 86 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 22:24 | yes | 12 | 17 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-10-04 22:26 | yes | 6 | 26 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 22:37 | yes | 19 | 40 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-04 22:24 | yes | 9 | 7 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 22:30 | yes | 5 | 6 s |
| Budget constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 22:20 | yes | 15 | 33 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-10-04 22:28 | yes | 17 | 3 s |
| Budget constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-04 22:16 | yes | 20 | 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 22:20 | yes | 23 | 25 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 22:22 | yes | 14 | 52 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 22:35 | yes | 23 | 29 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 22:24 | yes | 24 | 91 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 22:35 | yes | 17 | 32 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-10-04 22:32 | yes | 4 | 21 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 22:17 | yes | 20 | 36 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-04 22:21 | yes | 16 | 13 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 22:36 | no | 0 | 12 s |
| Scale constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 22:21 | yes | 10 | 29 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-10-04 22:34 | yes | 18 | 5 s |
| Scale constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-04 22:18 | yes | 11 | 7 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-10-04 22:25 | no | 0 | 7 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-04 22:32 | yes | 20 | 40 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-04 22:32 | yes | 5 | 2 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-04 22:24 | yes | 5 | 29 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 22:14 | yes | 14 | 53 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 22:31 | yes | 13 | 79 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 22:16 | yes | 5 | 19 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-10-04 22:24 | yes | 3 | 22 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 22:34 | yes | 14 | 22 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-04 22:28 | yes | 33 | 11 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 22:16 | yes | 6 | 5 s |
| Negative framing | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 22:33 | yes | 20 | 26 s |
| Negative framing | Perplexity Sonar | sonar | 2026-10-04 22:15 | yes | 16 | 3 s |
| Negative framing | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-04 22:36 | yes | 23 | 9 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-10-04 22:35 | yes | 9 | 4 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-04 22:21 | yes | 24 | 31 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-04 22:26 | yes | 5 | 4 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-04 22:29 | yes | 19 | 36 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 22:26 | yes | 22 | 21 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 22:33 | yes | 23 | 65 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 22:24 | yes | 19 | 33 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-10-04 22:34 | yes | 4 | 32 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 22:38 | 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
Fidelity read as Fidelity HSA
Fidelity Investments read as Fidelity HSA
Navia read as Navia Benefit Solutions
Navia (Navia Benefit Solutions) read as Navia Benefit Solutions
WEX read as WEX Benefits
WEX (formerly Discovery Benefits) read as WEX Benefits
Unresolved, counted raw
Avidia
Benegg
Driven Benefit Administrators
Gravie
Gusto's partnered providers
HealthEquity FSA
Key Benefit Administrators
MyMoney (Further)
PayFlex Systems USA
SimpleBenefit
TMG (The Medical Group)
The Harrison Group
ZipRecruiter's HSA partners
Discontinued, still offered
No shut-down product was recommended here.