AI Indexes
HR AI Index
Index › Compensation and total rewards › HSA & FSA admin › Fidelity HSA vs Navia Benefit Solutions
HSA and FSA administrators · October 2026 Edition

Fidelity HSA vs Navia Benefit Solutions

Zero of fourteen models named Fidelity HSA first on the direct prompt; zero named Navia Benefit Solutions. Fidelity HSA was named by thirteen of the fourteen models and Navia Benefit Solutions by eleven and Fidelity HSA carries 37 labels and Navia Benefit Solutions 18, so the shares are not directly comparable.

Fidelity HSA

accepted challenger

Named in one category this edition.

Navia Benefit Solutions

accepted challenger

Named in three categories this edition.

First-choice share10%4%Of first choices across the direct, paraphrase, budget and scale prompts, 0 to 100.
Negative rate3%17%Negative labels as a share of the product's labels, 0 to 100.
Rank in category#3#7A position in a field of 12; printed, not drawn.
Labels3718A count; the two differ.
The two percentage rows are drawn on one 0 to 100 track, Fidelity HSA reading right to left. Rank and label count are printed, not drawn.HealthEquity was named alongside these two in ten of the fourteen direct answers. HealthEquity vs Fidelity HSA · HealthEquity vs Navia Benefit Solutions · Lively vs Fidelity HSA

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; every quote names the model and the prompt it came from. Both figures come from the HSA and FSA administrators page.

By framing

How many of the fourteen models made each the first choice, per way of asking, and how many argued against it.
Fidelity HSAFirst choices, of fourteen modelsNavia Benefit Solutions
Direct001 against Navia Benefit Solutions
Paraphrase01
Comparative201 against Fidelity HSA
Budget-constrained511 against Navia Benefit Solutions
Scale-constrained00
Negative401 against Navia Benefit Solutions
Bars are first choices, 0 to 14 each sideModels that argued againstA model can name both, so the two sides of a row do not sum to fourteen.

Across every category in the October 2026 Edition, Fidelity HSA and Navia Benefit Solutions were named in the same answer twenty-six times, of the 98 answers naming Fidelity HSA and the 47 naming Navia Benefit Solutions. In those answers Navia Benefit Solutions took the first choice two times and Fidelity HSA three.

Every model, every framing

The eighty-four answers behind the chart above, one cell each: where Fidelity HSA and Navia Benefit Solutions stood in it.
ModelDirectParaphraseComparativeBudget-constrainedScale-constrainedNegative
Claude Haiku 4.5
GPT-5.4 mini
Gemini 3.5 Flash
Perplexity Sonar
Grok 4.1 Fast
Mistral Small
DeepSeek V4 Flash
Llama 4 Maverick
Qwen 3.7 Flash
Kimi K2
GLM 4.7 FlashX
MiniMax M2.5
GPT-6 Luna
Muse Glimmer 30B
Fidelity HSA Navia Benefit Solutions first choice named as an alternative argued againstblank: not namedEach cell is one answer, Fidelity HSA on the left and Navia Benefit Solutions on the right.

The direct prompt

The plain question, one answer per model, grouped by where Fidelity HSA and Navia Benefit Solutions stood in it.

Neither was the first choice, one was named

5 of 14 modelsThe answer put something else first and named one of the two as an alternative.
Gemini 3.5 FlashBenepass, Forma alternatives: Fidelity HSA, Lively, Navia Benefit Solutions, Sentinel Benefits
Grok 4.1 FastHealthEquity, Lively alternatives: Fidelity HSA
DeepSeek V4 FlashHealthEquity, WEX Health alternatives: Fidelity HSA, Lively, Navia Benefit Solutions
Qwen 3.7 FlashLively alternatives: Fidelity HSA, Further Health, HSA Bank, HealthEquity, Navia Benefit Solutions
GLM 4.7 FlashXBusinessolver alternatives: Alegeus, Fidelity HSA, Flores, HSA Bank, HealthEquity, Lively, WEX Health

Neither was named

9 of 14 modelsThe answer made no first choice from these two in this category.
Claude Haiku 4.5HealthEquity alternatives: Ameriflex, Sentinel Benefits & Financial Group, WEX Benefits
GPT-5.4 miniForma alternatives: Lively, WEX Benefits
Perplexity SonarHealthEquity alternatives: Associated Benefits Connection / Associated Bank, Benepass, WEX Benefits
Mistral Smallno first choice
Llama 4 Maverickno first choice
Kimi K2Flores Financial Services alternatives: Businessolver, HealthEquity, WEX Health
MiniMax M2.5HealthEquity alternatives: Businessolver, Further, WEX Health
GPT-6 LunaWEX Benefits alternatives: HealthEquity
Muse Glimmer 30BHealthEquity alternatives: Allegiance, Lively, WEX Health

Bold names in an answer are the products the judge labeled a first choice; a model naming several gives each of them that label. The full answer text for every row is in the record.

By buyer segment

The same question asked on behalf of a different buyer. Each standing is computed within its segment and they are never added together. The figures above are the mid-market standing, which is the one the category orders by.
Small business
Fidelity HSA leads by five points.
Fidelity HSA7%#4 of 9
Navia Benefit Solutions2%#7 of 9
The full small business standing →
Mid-marketThe figures above
Fidelity HSA leads by six points.
Fidelity HSA10%#3 of 12
Navia Benefit Solutions4%#7 of 12
The full mid-market standing →
Enterprise
Fidelity HSA leads by two points.
Fidelity HSA4%#6 of 12
Navia Benefit Solutions2%#9 of 12
The full enterprise standing →

What the models said about Fidelity HSA

Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Four of five in this category shown.

“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 Navia Benefit Solutions

Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Four of five in this category shown.

“Avoid for tight budgets: Larger players like WEX or Navia (~$4+ PEPM)” Grok 4.1 Fast · budget prompt · hard negative
“Businessolver or HealthEquity/Navia are the most commonly recommended names for mid-market B2B groups” Muse Glimmer 30B · paraphrase prompt · first choice
“The research suggests Navia is a low-cost, solid entry point” DeepSeek V4 Flash · budget prompt · first choice
“Navia if you want a broad benefits-administration package that also includes things like COBRA” GPT-6 Luna · paraphrase prompt · alternative
Also compared
HealthEquity vs Fidelity HSAHealthEquity vs Navia Benefit SolutionsLively vs Fidelity HSALively vs Navia Benefit SolutionsFidelity HSA vs WEX BenefitsFidelity HSA vs WEX HealthFidelity HSA vs BusinessolverFidelity HSA vs BenepassWEX Benefits vs Navia Benefit SolutionsWEX Health vs Navia Benefit SolutionsBusinessolver vs Navia Benefit SolutionsNavia Benefit Solutions vs BenepassAll twenty-eight head-to-head pages and the full HSA & FSA admin standing

Comparisons are drawn for the top eight products in each category, each against each. The output is the models' output; nothing here is a recommendation by the index.