# Lively vs Businessolver: 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 Businessolver. Page: https://hr-ai-index.com/rewards/hsa-and-fsa-administration/lively-vs-businessolver/

| | First-choice share | Rank | Negative rate | Labels | Models naming it |
|---|---|---|---|---|---|
| Lively | 15% | #2 of 12 | 6% | 34 | 13 of 14 |
| Businessolver | 4% | #6 of 12 | 0% | 11 | 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)
- GLM 4.7 FlashX: businessolver first (first choices: Businessolver) (alternatives: Alegeus, Fidelity HSA, Flores, HSA Bank, HealthEquity, Lively, WEX Health)
- GPT-5.4 mini: neither first, one named (first choices: Forma) (alternatives: Lively, WEX Benefits)
- Gemini 3.5 Flash: neither first, one named (first choices: Benepass, Forma) (alternatives: Fidelity HSA, Lively, Navia Benefit Solutions, Sentinel Benefits)
- DeepSeek V4 Flash: neither first, one named (first choices: HealthEquity, WEX Health) (alternatives: Fidelity HSA, Lively, Navia Benefit Solutions)
- Kimi K2: neither first, one named (first choices: Flores Financial Services) (alternatives: Businessolver, HealthEquity, WEX Health)
- MiniMax M2.5: neither first, one named (first choices: HealthEquity) (alternatives: Businessolver, Further, 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)
- 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
- 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 Businessolver

- "### 1. Businessolver - Why it stands out: Deep benefits administration platform with enrollment, eligibility, payroll sync, COBRA, ACA compliance, and reporting in one place." (GLM 4.7 FlashX, direct prompt, first choice)
- "Businessolver or HealthEquity/Navia are the most commonly recommended names for mid-market B2B groups" (Muse Glimmer 30B, paraphrase prompt, first choice)
- "Benefits‑administration specialist with a full‑service HSA/FSA offering; known for strong mid‑market client service." (MiniMax M2.5, direct 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.