# Fidelity HSA vs Navia Benefit Solutions: 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; zero named Navia Benefit Solutions. Page: https://hr-ai-index.com/rewards/hsa-and-fsa-administration/fidelity-hsa-vs-navia-benefit-solutions/

| | First-choice share | Rank | Negative rate | Labels | Models naming it |
|---|---|---|---|---|---|
| Fidelity HSA | 10% | #3 of 12 | 3% | 37 | 13 of 14 |
| Navia Benefit Solutions | 4% | #7 of 12 | 17% | 18 | 11 of 14 |

## The direct prompt, model by model

- Gemini 3.5 Flash: neither first, one named (first choices: Benepass, Forma) (alternatives: Fidelity HSA, Lively, Navia Benefit Solutions, Sentinel 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)
- Perplexity Sonar: neither named (first choices: HealthEquity) (alternatives: Associated Benefits Connection / Associated Bank, Benepass, 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 Navia Benefit Solutions

- "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)

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.