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

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

| | First-choice share | Rank | Negative rate | Labels | Models naming it |
|---|---|---|---|---|---|
| Lively | 15% | #2 of 12 | 6% | 34 | 13 of 14 |
| Benepass | 2% | #8 of 12 | 8% | 13 | 8 of 14 |

## The direct prompt, model by model

- Grok 4.1 Fast: lively first (first choices: HealthEquity, Lively) (alternatives: Fidelity HSA)
- Qwen 3.7 Flash: lively first (first choices: Lively) (alternatives: Fidelity HSA, Further Health, HSA Bank, HealthEquity, Navia Benefit Solutions)
- Gemini 3.5 Flash: benepass first (first choices: Benepass, Forma) (alternatives: Fidelity HSA, Lively, Navia Benefit Solutions, Sentinel Benefits)
- GPT-5.4 mini: neither first, one named (first choices: Forma) (alternatives: Lively, WEX Benefits)
- Perplexity Sonar: neither first, one named (first choices: HealthEquity) (alternatives: Associated Benefits Connection / Associated Bank, Benepass, WEX Benefits)
- DeepSeek V4 Flash: neither first, one named (first choices: HealthEquity, WEX Health) (alternatives: Fidelity HSA, Lively, 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)
- Muse Glimmer 30B: neither first, one named (first choices: HealthEquity) (alternatives: Allegiance, Lively, WEX Health)
- Claude Haiku 4.5: neither named (first choices: HealthEquity) (alternatives: Ameriflex, Sentinel Benefits & Financial Group, 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)

## What the models said about Lively

- "Avoid if budget is tight: Lively for very small teams, because of the minimum monthly fee." (Perplexity Sonar, budget prompt, hard negative)
- "Why not Lively? Their $200 minimum means if you have 5 employees, you pay $40/person/month" (Qwen 3.7 Flash, budget prompt, soft negative)
- "Fidelity and Lively stand out as the strongest HSA administrators based on low or no fees" (Grok 4.1 Fast, budget prompt, first choice)
- "For HSAs, look at Lively (4.4/5 Trustpilot), Fidelity (strong investing, better service)." (Grok 4.1 Fast, negative prompt, first choice)
- "Lively: A top choice for mid-market companies that want a "tech-first" approach." (Qwen 3.7 Flash, direct 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.