Lively vs WEX Benefits
Two of fourteen models named Lively first on the direct prompt; one named WEX Benefits. Lively was named by thirteen of the fourteen models and WEX Benefits by twelve and Lively carries 34 labels and WEX Benefits 32, so the shares are not directly comparable.
Named in two categories this edition.
Named in three categories this edition.
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
LivelyFirst choices, of fourteen modelsWEX Benefits
Across every category in the October 2026 Edition, Lively and WEX Benefits were named in the same answer fifty-two times, of the 110 answers naming Lively and the 106 naming WEX Benefits. In those answers WEX Benefits took the first choice five times and Lively eighteen.
Every model, every framing
| 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 | | |
Lively WEX Benefits first choice named as an alternative argued againstblank: not namedEach cell is one answer, Lively on the left and WEX Benefits on the right.The direct prompt
Lively first, WEX Benefits not the choice
2 of 14 modelsWEX Benefits was named in the answer but not as the choice, or not at all.WEX Benefits first, Lively not the choice
1 of 14 modelsLively was named in the answer but not as the choice, or not at all.Neither was the first choice, one was named
7 of 14 modelsThe answer put something else first and named one of the two as an alternative.Neither was named
4 of 14 modelsThe answer made no first choice from these two in this category.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
Lively37%#1 of 9WEX Benefits7%#5 of 9WEX Benefits18%#2 of 12Lively11%#3 of 12What the models said about Lively
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Five of six in this category shown.
“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 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
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.