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HSA and FSA administrators · October 2026 Edition

Fidelity HSA vs WEX Benefits

Zero of fourteen models named Fidelity HSA first on the direct prompt; one named WEX Benefits. Fidelity HSA was named by thirteen of the fourteen models and WEX Benefits by twelve and Fidelity HSA carries 37 labels and WEX Benefits 32, so the shares are not directly comparable.

Fidelity HSA

accepted challenger

Named in one category this edition.

WEX Benefits

criticized challenger

Named in three categories this edition.

First-choice share10%6%Of first choices across the direct, paraphrase, budget and scale prompts, 0 to 100.

Negative rate3%25%Negative labels as a share of the product's labels, 0 to 100.

Rank in category#3#4A position in a field of 12; printed, not drawn.

Labels3732A 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 WEX Benefits · 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 modelsWEX Benefits

Direct011 against WEX Benefits

Paraphrase02

Comparative201 against Fidelity HSA

Budget-constrained504 against WEX Benefits

Scale-constrained00

Negative403 against WEX Benefits

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 WEX Benefits were named in the same answer forty-one times, of the 98 answers naming Fidelity HSA and the 106 naming WEX Benefits. In those answers WEX Benefits took the first choice six times and Fidelity HSA nine.

Every model, every framing

The eighty-four answers behind the chart above, one cell each: where Fidelity HSA and WEX Benefits stood in it.

Model	Direct	Paraphrase	Comparative	Budget-constrained	Scale-constrained	Negative
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

WEX Benefits

first choice

named as an alternative

argued againstblank: not namedEach cell is one answer, Fidelity HSA on the left and WEX Benefits on the right.

The direct prompt

The plain question, one answer per model, grouped by where Fidelity HSA and WEX Benefits stood in it.

WEX Benefits first, Fidelity HSA not the choice

1 of 14 modelsFidelity HSA was named in the answer but not as the choice, or not at all.

GPT-6 LunaWEX Benefits alternatives: HealthEquity

Neither was the first choice, one was named

8 of 14 modelsThe answer put something else first and named one of the two as an alternative.

Claude Haiku 4.5HealthEquity alternatives: Ameriflex, Sentinel Benefits & Financial Group, WEX Benefits

GPT-5.4 miniForma alternatives: Lively, WEX Benefits

Gemini 3.5 FlashBenepass, Forma alternatives: Fidelity HSA, Lively, Navia Benefit Solutions, Sentinel Benefits

Perplexity SonarHealthEquity alternatives: Associated Benefits Connection / Associated Bank, Benepass, WEX 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

5 of 14 modelsThe answer made no first choice from these two in this category.

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

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

Level: the same share of first choices.

Fidelity HSA#4 of 9

WEX Benefits#5 of 9

The full small business standing →

Mid-marketThe figures above

Fidelity HSA leads by four points.

Fidelity HSA#3 of 12

WEX Benefits#4 of 12

The full mid-market standing →

Enterprise

The order flips: WEX Benefits leads at enterprise.

WEX Benefits#2 of 12

Fidelity HSA#6 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 WEX Benefits

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

“Avoid for tight budgets: Larger players like WEX or Navia (~$4+ PEPM)” Grok 4.1 Fast · budget prompt · hard negative

“Frequently criticized on platforms like Reddit and Trustpilot” MiniMax M2.5 · negative prompt · hard negative

“B2B brokers often recommend massive legacy platforms (like WEX or HealthEquity) because they are easy to bundle. However, these legacy players often charge employees "transfer-out" fees” Gemini 3.5 Flash · direct prompt · soft negative

“For a mid-sized B2B company, WEX is the strongest overall recommendation.” DeepSeek V4 Flash · paraphrase prompt · first choice

“A good default recommendation for a mid-sized B2B company is WEX” GPT-5.4 mini · paraphrase prompt · first choice

“I'd put WEX first for a combined HSA/FSA program” GPT-6 Luna · direct prompt · first choice

Also compared

HealthEquity vs Fidelity HSA HealthEquity vs WEX Benefits Lively vs Fidelity HSA Lively vs WEX Benefits Fidelity HSA vs WEX Health Fidelity HSA vs Businessolver Fidelity HSA vs Navia Benefit Solutions Fidelity HSA vs Benepass WEX Benefits vs WEX Health WEX Benefits vs Businessolver WEX Benefits vs Navia Benefit Solutions WEX Benefits vs Benepass All 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.