# Fidelity HSA vs Benepass: which do AI models recommend for HSA & FSA admin, October 2026

HR AI Recommendation Index, October 2026 Edition, HSA and FSA administrators. Zero of fourteen models named Fidelity HSA first on the direct prompt; one named Benepass. Page: https://hr-ai-index.com/rewards/hsa-and-fsa-administration/fidelity-hsa-vs-benepass/

| | First-choice share | Rank | Negative rate | Labels | Models naming it |
|---|---|---|---|---|---|
| Fidelity HSA | 10% | #3 of 12 | 3% | 37 | 13 of 14 |
| Benepass | 2% | #8 of 12 | 8% | 13 | 8 of 14 |

## The direct prompt, model by model

- Gemini 3.5 Flash: benepass first (first choices: Benepass, Forma) (alternatives: Fidelity HSA, Lively, Navia Benefit Solutions, Sentinel Benefits)
- Perplexity Sonar: neither first, one named (first choices: HealthEquity) (alternatives: Associated Benefits Connection / Associated Bank, Benepass, WEX Benefits)
- Grok 4.1 Fast: neither first, one named (first choices: HealthEquity, Lively) (alternatives: Fidelity HSA)
- DeepSeek V4 Flash: neither first, one named (first choices: HealthEquity, WEX Health) (alternatives: Fidelity HSA, Lively, Navia Benefit Solutions)
- Qwen 3.7 Flash: neither first, one named (first choices: Lively) (alternatives: Fidelity HSA, Further Health, HSA Bank, HealthEquity, Navia Benefit Solutions)
- GLM 4.7 FlashX: neither first, one named (first choices: Businessolver) (alternatives: Alegeus, Fidelity HSA, Flores, HSA Bank, HealthEquity, Lively, WEX Health)
- Claude Haiku 4.5: neither named (first choices: HealthEquity) (alternatives: Ameriflex, Sentinel Benefits & Financial Group, WEX Benefits)
- GPT-5.4 mini: neither named (first choices: Forma) (alternatives: Lively, WEX Benefits)
- Mistral Small: neither named
- Llama 4 Maverick: neither named
- Kimi K2: neither named (first choices: Flores Financial Services) (alternatives: Businessolver, HealthEquity, WEX Health)
- MiniMax M2.5: neither named (first choices: HealthEquity) (alternatives: Businessolver, Further, WEX Health)
- GPT-6 Luna: neither named (first choices: WEX Benefits) (alternatives: HealthEquity)
- Muse Glimmer 30B: neither named (first choices: HealthEquity) (alternatives: Allegiance, Lively, WEX Health)

## What the models said about Fidelity HSA

- "though they are less focused on "voluntary benefits" enrollment compared to specialized TPAs" (Qwen 3.7 Flash, comparative prompt, soft negative)
- "If you are an individual opening an HSA: Choose Fidelity. It is entirely free, pays the highest interest on cash, and gives you the absolute best investment options." (Gemini 3.5 Flash, comparative prompt, first choice)
- "Fidelity Investments is the only HSA firm out of 11 reviewed that received an assessment of being "high" quality" (Claude Haiku 4.5, negative prompt, first choice)
- "You can open a fee-free, $0-minimum HSA with a highly-rated provider (such as Fidelity or Lively)" (Gemini 3.5 Flash, negative prompt, first choice)

## What the models said about Benepass

- "Skip the "full-service" platforms (like Benepass or mid-market suites). They tack on per-employee fees" (DeepSeek V4 Flash, budget prompt, hard negative)
- "Best for Modern, "All-in-One Wallet" Benefits: Benepass or Forma ... these modern platforms are the gold standard." (Gemini 3.5 Flash, direct prompt, first choice)

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; rank is within the category. Comparisons are drawn for the top eight products in each category. Published under CC BY 4.0; the output is the models' output, and nothing here is a recommendation by the index.