HSA and FSA administrators · October 2026 Edition
Navia Benefit Solutions vs Benepass
Zero of fourteen models named Navia Benefit Solutions first on the direct prompt; one named Benepass. Navia Benefit Solutions was named by eleven of the fourteen models and Benepass by eight and Navia Benefit Solutions carries 18 labels and Benepass 13, so the shares are not directly comparable.
Named in three categories this edition.
Named in four categories this edition.
First-choice share4%2%Of first choices across the direct, paraphrase, budget and scale prompts, 0 to 100.
Negative rate17%8%Negative labels as a share of the product's labels, 0 to 100.
Rank in category#7#8A position in a field of 12; printed, not drawn.
Labels1813A count; the two differ.
The two percentage rows are drawn on one 0 to 100 track, Navia Benefit Solutions 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 Navia Benefit Solutions · HealthEquity vs Benepass · Lively vs Navia Benefit Solutions
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.
Navia Benefit SolutionsFirst choices, of fourteen modelsBenepass
Direct011 against Navia Benefit Solutions
Paraphrase10
Comparative00
Budget-constrained101 against Navia Benefit Solutions · 1 against Benepass
Scale-constrained00
Negative001 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.
Every model, every framing
The eighty-four answers behind the chart above, one cell each: where Navia Benefit Solutions and Benepass 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 | |
Navia Benefit Solutions Benepass first choice named as an alternative argued againstblank: not namedEach cell is one answer, Navia Benefit Solutions on the left and Benepass on the right.The direct prompt
The plain question, one answer per model, grouped by where Navia Benefit Solutions and Benepass stood in it.
Benepass first, Navia Benefit Solutions an alternative
1 of 14 modelsNavia Benefit Solutions was named in the answer but not as the choice, or not at all.Gemini 3.5 FlashBenepass, Forma alternatives: Fidelity HSA, Lively, Navia Benefit Solutions, Sentinel Benefits
Neither was the first choice, one was named
3 of 14 modelsThe answer put something else first and named one of the two as an alternative.Perplexity SonarHealthEquity alternatives: Associated Benefits Connection / Associated Bank, Benepass, WEX Benefits
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
Neither was named
10 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
Grok 4.1 FastHealthEquity, Lively alternatives: Fidelity HSA
Mistral Smallno first choice
Llama 4 Maverickno first choice
Kimi K2Flores Financial Services alternatives: Businessolver, HealthEquity, WEX Health
GLM 4.7 FlashXBusinessolver alternatives: Alegeus, Fidelity HSA, Flores, HSA Bank, HealthEquity, Lively, 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
Navia Benefit Solutions leads by two points.
Navia Benefit Solutions2%#7 of 9Benepass0%#– of 9Mid-marketThe figures above
Navia Benefit Solutions leads by two points.
Navia Benefit Solutions4%#7 of 12Benepass2%#8 of 12Enterprise
The order flips: Benepass leads at enterprise.
Benepass7%#4 of 12Navia Benefit Solutions2%#9 of 12What 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
What the models said about Benepass
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Two of two in this category shown.
“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
Also compared
HealthEquity vs Navia Benefit SolutionsHealthEquity vs BenepassLively vs Navia Benefit SolutionsLively vs BenepassFidelity HSA vs Navia Benefit SolutionsFidelity HSA vs BenepassWEX Benefits vs Navia Benefit SolutionsWEX Benefits vs BenepassWEX Health vs Navia Benefit SolutionsWEX Health vs BenepassBusinessolver vs Navia Benefit SolutionsBusinessolver 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.