# Forma, Lively HSA vs Gusto Comparison

| | Forma | Lively HSA | Gusto | 
|---|---|---|---|
| **Star Rating** | 4.8 out of 5 | 4.7 out of 5 | 4.6 out of 5 | 
| **Total Reviews** | 817 | 132 | 10,549 | 
| **Largest Market Segment** | Enterprise (74.9% of reviews) | Small-Business (49.6% of reviews) | Small-Business (84.0% of reviews) | 
| **Entry Level Price** | No pricing available | $2.95 1 Employee | Starting at $49.00 Per Month | 

---
## Top Pros & Cons

### Forma

Pros:
- Ease of Use (148 reviews)
- Simple (58 reviews)

Cons:
- Claim Issues (27 reviews)
- Insufficient Information (26 reviews)

### Lively HSA

Pros:
- Ease of Use (21 reviews)
- Customer Support (13 reviews)

Cons:
- Insufficient Information (2 reviews)
- App Problems (1 reviews)

### Gusto

Pros:
- Ease of Use (5642 reviews)
- Payroll Ease (2984 reviews)

Cons:
- Missing Features (614 reviews)
- Poor Customer Support (601 reviews)

---
## Ratings Comparison
| Rating | Forma | Lively HSA | Gusto | 
|---|---|---|---|
  | **Meets Requirements** | 9.7 (671 reviews) | 9.5 (114 reviews) | 9.4 (7534 reviews) | 
  | **Ease of Use** | 9.7 (693 reviews) | 9.4 (117 reviews) | 9.5 (7769 reviews) | 
  | **Ease of Setup** | 9.6 (168 reviews) | 9.2 (84 reviews) | 9.3 (6345 reviews) | 
  | **Ease of Admin** | 9.7 (13 reviews) | 9.4 (69 reviews) | 9.3 (2380 reviews) | 
  | **Quality of Support** | 9.6 (568 reviews) | 9.5 (106 reviews) | 9.0 (6266 reviews) | 
  | **Has the product been a good partner in doing business?** | 9.5 (13 reviews) | 9.6 (71 reviews) | 9.1 (2377 reviews) | 
  | **Product Direction (% positive)** | 9.3 (686 reviews) | 9.2 (110 reviews) | 9.2 (7506 reviews) | 

---
## Pricing

### Forma

#### Entry-Level Pricing

No pricing available

#### Free Trial

No information available

### Lively HSA

#### Entry-Level Pricing

Plan: Businesses

Price: $2.95 1 Employee

Description: Build a better benefits package — without adding admin hours.

Key Features:
- Comprehensive Dashboard: Our intuitive employer dashboard makes it easy to take care of tasks without losing sight of the big picture. And automated alerts help make sure nothing slips through the cracks.
- Reliable Program Design: Lively’s proprietary technology gives you the option to manage enrollment and contributions via the dashboard, secure files, or third-party integrations. Everything is streamlined and takes only weeks to set up.
- On-Demand Reporting:Get valuable insights about your HSA program with our curated reports. From enrollment status to distribution summary, we surface the data you need to make informed program decisions.

[Learn more about Lively HSA](https://www.g2.com/products/lively-hsa/reviews)

#### Free Trial

No

### Gusto

#### Entry-Level Pricing

Plan: Simple Plan

Price: Starting at $49.00 Per Month

Description: For small businesses or s-corps needing basic payroll.

Key Features:
- Full-service single-state payroll including W-2s and 1099s
- Basic support
-  Employee profiles and self-service

[Browse all 3 editions](https://www.g2.com/products/gusto/pricing)

#### Free Trial

Yes

---
## Features Comparison By Category

### Core HR

| Product | Score | Reviews |
|---|---|---|
| **Forma** | N/A | N/A |
| **Lively HSA** | N/A | N/A |
| **Gusto** | 8.6/10 | 2852 |

#### Core HR

| Feature | Forma | Lively HSA | Gusto | 
|---|---|---|---|
| **Organization Management** | Not enough data | Not enough data | 8.8 (915 reviews) | 
| **Time, Attendance, and PTO** | Not enough data | Not enough data | 9.0 (961 reviews) | 
| **Expense Management** | Not enough data | Not enough data | 8.1 (804 reviews) | 
| **Salary Structures** | Not enough data | Not enough data | 8.6 (852 reviews) | 
| **Compliance** | Not enough data | Not enough data | 8.8 (881 reviews) | 
| **Benefits Administration** | Not enough data | Not enough data | 8.8 (889 reviews) | 

#### Generative AI

| Feature | Forma | Lively HSA | Gusto | 
|---|---|---|---|
| **AI Text Summarization** | Not enough data | Not enough data | 7.2 (474 reviews) | 

#### Platform

| Feature | Forma | Lively HSA | Gusto | 
|---|---|---|---|
| **Customization ** | 9.0 (135 reviews) | 7.9 (53 reviews) | 8.2 (2276 reviews) | 
| **Integration APIs** | 8.8 (125 reviews) | 7.8 (50 reviews) | 8.0 (2077 reviews) | 
| **Internationalization** | 9.0 (131 reviews) | 8.4 (31 reviews) | Feature Not Available | 
| **User, Role, and Access Management** | 9.2 (139 reviews) | 8.9 (52 reviews) | 8.9 (2320 reviews) | 
| **Performance** | 9.6 (171 reviews) | 9.3 (51 reviews) | 9.2 (2380 reviews) | 
| **Mobility** | 9.5 (137 reviews) | 9.1 (50 reviews) | 8.9 (2263 reviews) | 
| **Reporting** | 9.3 (137 reviews) | 8.6 (49 reviews) | 8.7 (2311 reviews) | 
| **Dashboards** | 9.6 (146 reviews) | 9.1 (50 reviews) | 9.1 (2294 reviews) | 

### Payroll

| Product | Score | Reviews |
|---|---|---|
| **Forma** | N/A | N/A |
| **Lively HSA** | N/A | N/A |
| **Gusto** | 9.1/10 | 6783 |

#### Employee Self Service

| Feature | Forma | Lively HSA | Gusto | 
|---|---|---|---|
| **Web Portal** | Not enough data | Not enough data | 9.5 (5485 reviews) ✓ Verified | 
| **Benefits Manager** | Not enough data | Not enough data | 8.9 (4830 reviews) ✓ Verified | 
| **Mobile** | Not enough data | Not enough data | 9.0 (4874 reviews) ✓ Verified | 

#### Administration

| Feature | Forma | Lively HSA | Gusto | 
|---|---|---|---|
| **Payroll Entry** | Not enough data | Not enough data | 9.4 (5312 reviews) ✓ Verified | 
| **Time Off Accrual** | Not enough data | Not enough data | 9.1 (4805 reviews) ✓ Verified | 
| **Direct Deposit** | Not enough data | Not enough data | 9.6 (5237 reviews) ✓ Verified | 
| **Expense Reimbursement** | Not enough data | Not enough data | 8.9 (4500 reviews) ✓ Verified | 
| **Pre-tax Deductions** | Not enough data | Not enough data | 9.2 (4716 reviews) ✓ Verified | 
| **Wage Garnishment** | Not enough data | Not enough data | 8.8 (4176 reviews) ✓ Verified | 
| **Approvals** | Not enough data | Not enough data | 9.1 (4392 reviews) ✓ Verified | 
| **Check/W-2 Printing** | Not enough data | Not enough data | 9.2 (4571 reviews) ✓ Verified | 
| **Check/W-2 Delivery** | Not enough data | Not enough data | 9.2 (4563 reviews) ✓ Verified | 

#### Taxes

| Feature | Forma | Lively HSA | Gusto | 
|---|---|---|---|
| **Tax Calculation** | Not enough data | Not enough data | 9.3 (5068 reviews) ✓ Verified | 
| **Tax Filing** | Not enough data | Not enough data | 9.2 (4880 reviews) ✓ Verified | 
| **Automatic Tax Payment** | Not enough data | Not enough data | Feature Not Available | 

#### Integration

| Feature | Forma | Lively HSA | Gusto | 
|---|---|---|---|
| **API / Integration** | Not enough data | Not enough data | 8.6 (4216 reviews) ✓ Verified | 
| **Time Tracking Integration** | Not enough data | Not enough data | 8.8 (4147 reviews) ✓ Verified | 
| **Accounting Integration** | Not enough data | Not enough data | 8.8 (4209 reviews) ✓ Verified | 
| **Core HR Integration** | Not enough data | Not enough data | 8.6 (3908 reviews) ✓ Verified | 

#### Platform

| Feature | Forma | Lively HSA | Gusto | 
|---|---|---|---|
| **Reporting and Dashboards** | Not enough data | Not enough data | 9.0 (4690 reviews) ✓ Verified | 
| **User, Role, and Access Management** | Not enough data | Not enough data | 9.2 (4620 reviews) ✓ Verified | 
| **Performance and Reliability** | Not enough data | Not enough data | 9.3 (5194 reviews) ✓ Verified | 
| **Scalability** | Not enough data | Not enough data | 9.2 (4533 reviews) ✓ Verified | 

### Benefits Administration

| Product | Score | Reviews |
|---|---|---|
| **Forma** | 9.3/10 | 253 |
| **Lively HSA** | 8.7/10 | 57 |
| **Gusto** | 8.7/10 | 2854 |

#### Benefits Administration Platform Features

| Feature | Forma | Lively HSA | Gusto | 
|---|---|---|---|
| **Benefits Record Management** | 9.5 (168 reviews) | 8.9 (47 reviews) | 9.0 (1365 reviews) | 
| **Enrollment Planning** | 9.1 (145 reviews) | 8.8 (47 reviews) | 8.9 (1317 reviews) | 
| **Third-Party Carrier Integration** | 9.0 (138 reviews) | 8.4 (43 reviews) | 8.4 (1223 reviews) | 
| **Document Management** | 9.2 (148 reviews) | 8.7 (45 reviews) | 9.0 (1342 reviews) | 
| **Total Compensation Statements** | 9.3 (141 reviews) | 8.5 (46 reviews) | 9.1 (1311 reviews) | 
| **Self-Service Portal** | 9.6 (192 reviews) | 9.2 (48 reviews) | 9.2 (1357 reviews) | 
| **Regulatory Compliance** | 9.3 (132 reviews) | 9.1 (45 reviews) | 9.0 (1279 reviews) | 
| **Mobile Benefits Access** | 9.3 (144 reviews) | 9.2 (46 reviews) | 8.8 (1256 reviews) | 

#### Benefits Administration Platform Features

| Feature | Forma | Lively HSA | Gusto | 
|---|---|---|---|
| **Benefits Record Management** | 9.5 (168 reviews) | 8.9 (47 reviews) | 9.0 (1365 reviews) | 
| **Enrollment Planning** | 9.1 (145 reviews) | 8.8 (47 reviews) | 8.9 (1317 reviews) | 
| **Third-Party Carrier Integration** | 9.0 (138 reviews) | 8.4 (43 reviews) | 8.4 (1223 reviews) | 
| **Document Management** | 9.2 (148 reviews) | 8.7 (45 reviews) | 9.0 (1342 reviews) | 
| **Total Compensation Statements** | 9.3 (141 reviews) | 8.5 (46 reviews) | 9.1 (1311 reviews) | 
| **Self-Service Portal** | 9.6 (192 reviews) | 9.2 (48 reviews) | 9.2 (1357 reviews) | 
| **Regulatory Compliance** | 9.3 (132 reviews) | 9.1 (45 reviews) | 9.0 (1279 reviews) | 
| **Benefits Dashboards** | 9.6 (139 reviews) | 9.2 (45 reviews) | 9.1 (932 reviews) | 
| **Mobile Benefits Access** | 9.3 (144 reviews) | 9.2 (46 reviews) | 8.8 (1256 reviews) | 
| **Integrations / APIs** | 9.0 (122 reviews) | 8.0 (44 reviews) | 8.5 (1061 reviews) | 
| **Internationalization** | 9.1 (123 reviews) | 7.9 (42 reviews) | 8.3 (977 reviews) | 
| **Mobility** | 9.3 (131 reviews) | 8.5 (43 reviews) | 8.9 (1043 reviews) | 

#### Generative AI

| Feature | Forma | Lively HSA | Gusto | 
|---|---|---|---|
| **AI Text Generation** | Feature Not Available | 8.3 (43 reviews) | 7.2 (840 reviews) | 
| **AI Text Summarization** | Feature Not Available | 8.2 (42 reviews) | 7.2 (837 reviews) | 
| **AI Image-to-Text** | Feature Not Available | 8.0 (42 reviews) | 7.1 (832 reviews) | 

#### Platform

| Feature | Forma | Lively HSA | Gusto | 
|---|---|---|---|
| **Customization ** | 9.0 (135 reviews) | 7.9 (53 reviews) | 8.2 (2276 reviews) | 
| **Integration APIs** | 8.8 (125 reviews) | 7.8 (50 reviews) | 8.0 (2077 reviews) | 
| **Internationalization** | 9.0 (131 reviews) | 8.4 (31 reviews) | Feature Not Available | 
| **User, Role, and Access Management** | 9.2 (139 reviews) | 8.9 (52 reviews) | 8.9 (2320 reviews) | 
| **Performance** | 9.6 (171 reviews) | 9.3 (51 reviews) | 9.2 (2380 reviews) | 
| **Mobility** | 9.5 (137 reviews) | 9.1 (50 reviews) | 8.9 (2263 reviews) | 
| **Reporting** | 9.3 (137 reviews) | 8.6 (49 reviews) | 8.7 (2311 reviews) | 
| **Dashboards** | 9.6 (146 reviews) | 9.1 (50 reviews) | 9.1 (2294 reviews) | 

### Time & Attendance

| Product | Score | Reviews |
|---|---|---|
| **Forma** | N/A | N/A |
| **Lively HSA** | N/A | N/A |
| **Gusto** | 9.3/10 | 118 |

#### Automation

| Feature | Forma | Lively HSA | Gusto | 
|---|---|---|---|
| **Process Automation** | Not enough data | Not enough data | 9.2 (36 reviews) | 

#### Logistics

| Feature | Forma | Lively HSA | Gusto | 
|---|---|---|---|
| **Dashboards & Reporting** | Not enough data | Not enough data | 9.1 (9 reviews) | 
| **Data Collection** | Not enough data | Not enough data | 8.8 (27 reviews) | 
| **Lanuguage Options** | Not enough data | Not enough data | 10.0 (5 reviews) | 

#### Management

| Feature | Forma | Lively HSA | Gusto | 
|---|---|---|---|
| **Schedule Creation Tools** | Not enough data | Not enough data | 7.9 (18 reviews) | 
| **Schedule Management** | Not enough data | Not enough data | 9.3 (32 reviews) | 
| **Employee Leave Management** | Not enough data | Not enough data | 9.6 (12 reviews) | 
| **User Access** | Not enough data | Not enough data | 9.0 (12 reviews) | 
| **User Role Access** | Not enough data | Not enough data | 9.1 (15 reviews) | 
| **Employee Information** | Not enough data | Not enough data | 10.0 (28 reviews) | 
| **Employee Information Automation** | Not enough data | Not enough data | 7.5 (6 reviews) | 

#### Monitoring

| Feature | Forma | Lively HSA | Gusto | 
|---|---|---|---|
| **Regulations Enforcement** | Not enough data | Not enough data | 10.0 (10 reviews) | 
| **Compliance Monitoring** | Not enough data | Not enough data | 10.0 (10 reviews) | 
| **Integration** | Not enough data | Not enough data | 10.0 (10 reviews) | 

### Contractor Management

| Product | Score | Reviews |
|---|---|---|
| **Forma** | N/A | N/A |
| **Lively HSA** | N/A | N/A |
| **Gusto** | 8.6/10 | 203 |

#### Platform Basics

| Feature | Forma | Lively HSA | Gusto | 
|---|---|---|---|
| **Interoperability** | Not enough data | Not enough data | 8.5 (186 reviews) | 
| **Performance** | Not enough data | Not enough data | 9.2 (195 reviews) | 
| **Portal** | Not enough data | Not enough data | 8.9 (186 reviews) | 

#### Platform Performance

| Feature | Forma | Lively HSA | Gusto | 
|---|---|---|---|
| **Reporting** | Not enough data | Not enough data | 8.8 (193 reviews) | 
| **Application Monitoring** | Not enough data | Not enough data | 8.5 (179 reviews) | 

#### Platform Functionality

| Feature | Forma | Lively HSA | Gusto | 
|---|---|---|---|
| **Document management** | Not enough data | Not enough data | 9.1 (189 reviews) | 
| **Requalification** | Not enough data | Not enough data | 8.5 (182 reviews) | 
| **Compliance** | Not enough data | Not enough data | 8.8 (180 reviews) | 

#### Platform Additional Functionality

| Feature | Forma | Lively HSA | Gusto | 
|---|---|---|---|
| **Onboarding** | Not enough data | Not enough data | 8.9 (184 reviews) | 
| **Pre-qualifiation** | Not enough data | Not enough data | 8.4 (176 reviews) | 
| **Onsite Monitoring** | Not enough data | Not enough data | 8.1 (173 reviews) | 

#### Generative AI

| Feature | Forma | Lively HSA | Gusto | 
|---|---|---|---|
| **AI Text Summarization** | Not enough data | Not enough data | 7.3 (159 reviews) | 

### Benefits Support

| Product | Score | Reviews |
|---|---|---|
| **Forma** | 9.3/10 | 242 |
| **Lively HSA** | N/A | N/A |
| **Gusto** | N/A | N/A |

#### Platform Basics

| Feature | Forma | Lively HSA | Gusto | 
|---|---|---|---|
| **Reporting** | 9.2 (189 reviews) | Not enough data | Not enough data | 
| **Interoperability** | 9.1 (179 reviews) | Not enough data | Not enough data | 
| **Performance** | 9.6 (210 reviews) | Not enough data | Not enough data | 

#### Platform Content

| Feature | Forma | Lively HSA | Gusto | 
|---|---|---|---|
| **Enrollment Planning** | 9.2 (179 reviews) | Not enough data | Not enough data | 
| **Dashboard** | 9.6 (206 reviews) | Not enough data | Not enough data | 
| **Education** | 9.2 (183 reviews) | Not enough data | Not enough data | 
| **Benefits Record Management** | 9.4 (196 reviews) | Not enough data | Not enough data | 

#### Platform Additional Functionality

| Feature | Forma | Lively HSA | Gusto | 
|---|---|---|---|
| **Mobility** | 9.3 (188 reviews) | Not enough data | Not enough data | 
| **Regulatory Compliance** | 9.3 (172 reviews) | Not enough data | Not enough data | 
| **Third-Party Carrier Integration** | 9.0 (172 reviews) | Not enough data | Not enough data | 

#### Platform Performance

| Feature | Forma | Lively HSA | Gusto | 
|---|---|---|---|
| **Reporting** | 9.3 (181 reviews) | Not enough data | Not enough data | 
| **Monitoring** | 9.2 (174 reviews) | Not enough data | Not enough data | 

#### Generative AI

| Feature | Forma | Lively HSA | Gusto | 
|---|---|---|---|
| **AI Text Generation** | Feature Not Available | Not enough data | Not enough data | 
| **AI Text Summarization** | Feature Not Available | Not enough data | Not enough data | 

### Performance Management

| Product | Score | Reviews |
|---|---|---|
| **Forma** | N/A | N/A |
| **Lively HSA** | N/A | N/A |
| **Gusto** | 10.0/10 | 6 |

#### Performance reviews

| Feature | Forma | Lively HSA | Gusto | 
|---|---|---|---|
| **360 Reviews** | Not enough data | Not enough data | Not enough data | 
| **Customizable Forms** | Not enough data | Not enough data | Not enough data | 
| **Review Status Tracking** | Not enough data | Not enough data | Not enough data | 

#### Goals

| Feature | Forma | Lively HSA | Gusto | 
|---|---|---|---|
| **Goal-Setting** | Not enough data | Not enough data | 10.0 (5 reviews) | 
| **Company Goals And OKRs** | Not enough data | Not enough data | Not enough data | 

#### Feedback

| Feature | Forma | Lively HSA | Gusto | 
|---|---|---|---|
| **Continuous Feedback** | Not enough data | Not enough data | Not enough data | 
| **Requesting Feedback** | Not enough data | Not enough data | Not enough data | 
| **1-On-1 Meetings** | Not enough data | Not enough data | Not enough data | 
| **Public Praise** | Not enough data | Not enough data | Not enough data | 

#### Data

| Feature | Forma | Lively HSA | Gusto | 
|---|---|---|---|
| **Dashboards And Reports** | Not enough data | Not enough data | Not enough data | 
| **Historical Data** | Not enough data | Not enough data | Not enough data | 

#### Agentic AI - Performance Management

| Feature | Forma | Lively HSA | Gusto | 
|---|---|---|---|
| **Multi-step Planning** | Not enough data | Not enough data | Not enough data | 
| **Natural Language Interaction** | Not enough data | Not enough data | Not enough data | 

### Contractor Payments

| Product | Score | Reviews |
|---|---|---|
| **Forma** | N/A | N/A |
| **Lively HSA** | N/A | N/A |
| **Gusto** | 8.9/10 | 837 |

#### Platform Basics

| Feature | Forma | Lively HSA | Gusto | 
|---|---|---|---|
| **Performance** | Not enough data | Not enough data | 9.2 (773 reviews) | 
| **Portal** | Not enough data | Not enough data | 9.2 (778 reviews) | 

#### Platform Administration

| Feature | Forma | Lively HSA | Gusto | 
|---|---|---|---|
| **Integrations** | Not enough data | Not enough data | 8.6 (711 reviews) | 
| **Compliance** | Not enough data | Not enough data | 9.1 (758 reviews) | 
| **Reporting** | Not enough data | Not enough data | 8.9 (763 reviews) | 

#### Platform Payment Content

| Feature | Forma | Lively HSA | Gusto | 
|---|---|---|---|
| **Document management** | Not enough data | Not enough data | 9.0 (761 reviews) | 
| **Invoicing Tool** | Not enough data | Not enough data | 8.4 (652 reviews) | 
| **Wage access** | Not enough data | Not enough data | 9.1 (737 reviews) | 

### HCM Software

| Product | Score | Reviews |
|---|---|---|
| **Forma** | N/A | N/A |
| **Lively HSA** | N/A | N/A |
| **Gusto** | N/A | N/A |

#### Generative AI

| Feature | Forma | Lively HSA | Gusto | 
|---|---|---|---|
| **AI Text Generation** | Not enough data | Not enough data | Not enough data | 
| **AI Text Summarization** | Not enough data | Not enough data | Not enough data | 

### Talent Management

| Product | Score | Reviews |
|---|---|---|
| **Forma** | N/A | N/A |
| **Lively HSA** | N/A | N/A |
| **Gusto** | N/A | N/A |

#### Generative AI

| Feature | Forma | Lively HSA | Gusto | 
|---|---|---|---|
| **AI Text Generation** | Not enough data | Not enough data | Not enough data | 
| **AI Text Summarization** | Not enough data | Not enough data | Not enough data | 

### Recruiting

| Product | Score | Reviews |
|---|---|---|
| **Forma** | N/A | N/A |
| **Lively HSA** | N/A | N/A |
| **Gusto** | N/A | N/A |

#### Generative AI

| Feature | Forma | Lively HSA | Gusto | 
|---|---|---|---|
| **AI Text Generation** | Not enough data | Not enough data | Not enough data | 
| **AI Text Summarization** | Not enough data | Not enough data | Not enough data | 

### Talent Acquisition Suites

| Product | Score | Reviews |
|---|---|---|
| **Forma** | N/A | N/A |
| **Lively HSA** | N/A | N/A |
| **Gusto** | N/A | N/A |

#### Generative AI

| Feature | Forma | Lively HSA | Gusto | 
|---|---|---|---|
| **AI Text Summarization** | Not enough data | Not enough data | Not enough data | 

### Lifestyle Spending Account (LSA)

| Product | Score | Reviews |
|---|---|---|
| **Forma** | 9.0/10 | 128 |
| **Lively HSA** | N/A | N/A |
| **Gusto** | N/A | N/A |

#### Analytics - Lifestyle Spending Account (LSA)

| Feature | Forma | Lively HSA | Gusto | 
|---|---|---|---|
| **Assessment** | 8.9 (114 reviews) | Not enough data | Not enough data | 
| **Analysis** | 8.8 (114 reviews) | Not enough data | Not enough data | 

#### Platform - Lifestyle Spending Account (LSA)

| Feature | Forma | Lively HSA | Gusto | 
|---|---|---|---|
| **Funding** | 9.2 (119 reviews) | Not enough data | Not enough data | 
| **Market Diversity** | 9.1 (116 reviews) | Not enough data | Not enough data | 
| **Customizability** | 8.9 (112 reviews) | Not enough data | Not enough data | 
| **Reward & Incentive** | 9.3 (113 reviews) | Not enough data | Not enough data | 

### Health Savings Account (HSA)

| Product | Score | Reviews |
|---|---|---|
| **Forma** | 9.2/10 | 18 |
| **Lively HSA** | 8.9/10 | 58 |
| **Gusto** | N/A | N/A |

#### Platform - Health Savings Account (HSA)

| Feature | Forma | Lively HSA | Gusto | 
|---|---|---|---|
| **Evidence** | 9.6 (18 reviews) | 9.0 (52 reviews) | Not enough data | 
| **Funding** | 9.2 (18 reviews) | 9.4 (53 reviews) | Not enough data | 
| **Reimbursement** | 9.2 (18 reviews) | 9.0 (52 reviews) | Not enough data | 
| **Education** | 8.7 (18 reviews) | 8.5 (51 reviews) | Not enough data | 

#### Data - Health Savings Account (HSA)

| Feature | Forma | Lively HSA | Gusto | 
|---|---|---|---|
| **History** | 9.3 (18 reviews) | 8.6 (51 reviews) | Not enough data | 
| **Analysis** | 9.2 (18 reviews) | 8.7 (50 reviews) | Not enough data | 

### Onboarding

| Product | Score | Reviews |
|---|---|---|
| **Forma** | N/A | N/A |
| **Lively HSA** | N/A | N/A |
| **Gusto** | 8.6/10 | 2824 |

#### Agentic AI - Onboarding

| Feature | Forma | Lively HSA | Gusto | 
|---|---|---|---|
| **Autonomous Task Execution** | Not enough data | Not enough data | 7.7 (246 reviews) | 
| **Adaptive Learning** | Not enough data | Not enough data | 7.9 (246 reviews) | 
| **Natural Language Interaction** | Not enough data | Not enough data | 7.8 (250 reviews) | 
| **Proactive Assistance** | Not enough data | Not enough data | 8.0 (252 reviews) | 
| **Decision Making** | Not enough data | Not enough data | 8.0 (249 reviews) | 

#### Platform Content

| Feature | Forma | Lively HSA | Gusto | 
|---|---|---|---|
| **Forms Library** | Not enough data | Not enough data | 8.7 (1162 reviews) | 
| **E-Forms** | Not enough data | Not enough data | 9.1 (1191 reviews) | 
| **E-Signature** | Not enough data | Not enough data | 9.3 (1198 reviews) | 
| **Background Checks** | Not enough data | Not enough data | 8.4 (1098 reviews) | 
| **Offer Letter Approvals** | Not enough data | Not enough data | 8.8 (1108 reviews) | 
| **Offer Letter Templates** | Not enough data | Not enough data | 8.6 (1100 reviews) | 

#### Platform Additional Functionality

| Feature | Forma | Lively HSA | Gusto | 
|---|---|---|---|
| **Self-Service Portal** | Not enough data | Not enough data | 9.3 (1172 reviews) | 
| **Automated Team Introductions** | Not enough data | Not enough data | 8.8 (1095 reviews) | 
| **Compliance Training** | Not enough data | Not enough data | 8.5 (1072 reviews) | 
| **Automated Onboarding Workflows** | Not enough data | Not enough data | 8.9 (1124 reviews) | 
| **Onboarding Notifications** | Not enough data | Not enough data | 9.1 (1149 reviews) | 

#### Platform Data

| Feature | Forma | Lively HSA | Gusto | 
|---|---|---|---|
| **Time-to-Productivity Reporting** | Not enough data | Not enough data | 8.4 (1021 reviews) | 
| **Onboarding Process Reporting** | Not enough data | Not enough data | 8.7 (1063 reviews) | 
| **Visualization** | Not enough data | Not enough data | 8.8 (1044 reviews) | 

#### Platform

| Feature | Forma | Lively HSA | Gusto | 
|---|---|---|---|
| **Customization ** | 9.0 (135 reviews) | 7.9 (53 reviews) | 8.2 (2276 reviews) | 
| **Integration APIs** | 8.8 (125 reviews) | 7.8 (50 reviews) | 8.0 (2077 reviews) | 
| **Internationalization** | 9.0 (131 reviews) | 8.4 (31 reviews) | Feature Not Available | 
| **User, Role, and Access Management** | 9.2 (139 reviews) | 8.9 (52 reviews) | 8.9 (2320 reviews) | 
| **Performance** | 9.6 (171 reviews) | 9.3 (51 reviews) | 9.2 (2380 reviews) | 
| **Mobility** | 9.5 (137 reviews) | 9.1 (50 reviews) | 8.9 (2263 reviews) | 
| **Reporting** | 9.3 (137 reviews) | 8.6 (49 reviews) | 8.7 (2311 reviews) | 
| **Dashboards** | 9.6 (146 reviews) | 9.1 (50 reviews) | 9.1 (2294 reviews) | 

#### Recruiting and Onboarding

| Feature | Forma | Lively HSA | Gusto | 
|---|---|---|---|
| **Interview Scheduling** | Not enough data | Not enough data | 8.0 (995 reviews) | 
| **Onboarding** | Not enough data | Not enough data | 9.0 (1182 reviews) | 

---
## Categories
**Shared Categories (1):** [Benefits Administration Software](https://www.g2.com/categories/benefits-administration)

**Unique to Forma (3):** [Benefits Support Software](https://www.g2.com/categories/benefits-support), [Lifestyle Spending Account (LSA) Software](https://www.g2.com/categories/lifestyle-spending-account-lsa), [Health Savings Account (HSA) Software](https://www.g2.com/categories/health-savings-account-hsa)

**Unique to Lively HSA (2):** [Health Savings Account (HSA) Software](https://www.g2.com/categories/health-savings-account-hsa), [Lifestyle Spending Account (LSA) Software](https://www.g2.com/categories/lifestyle-spending-account-lsa)

**Unique to Gusto (8):** [ Contractor Payment Software](https://www.g2.com/categories/contractor-payments), [Contractor Management Software](https://www.g2.com/categories/contractor-management), [Time & Attendance Software](https://www.g2.com/categories/time-attendance), [Onboarding Software](https://www.g2.com/categories/onboarding-software), [Core HR Software](https://www.g2.com/categories/core-hr), [Payroll Software](https://www.g2.com/categories/payroll), [HCM Software](https://www.g2.com/categories/hcm-software), [Performance Management Software](https://www.g2.com/categories/performance-management)


---
## Reviewer Demographics

### By Company Size

| Segment | Forma | Lively HSA | Gusto | 
|---|---|---|---|
| **Small-Business** | 3.1% | 49.6% | 84.0% | 
| **Mid-Market** | 22.0% | 40.8% | 15.5% | 
| **Enterprise** | 74.9% | 9.6% | 0.5% | 

### By Industry

#### Forma

- **Computer Software:** 24.4%
- **Information Technology and Services:** 21.9%
- **Automotive:** 4.4%
- **Semiconductors:** 4.4%
- **Computer & Network Security:** 4.2%
- **Health, Wellness and Fitness:** 3.6%
- **Financial Services:** 3.4%
- **Marketing and Advertising:** 2.3%
- **Human Resources:** 2.1%
- **Accounting:** 1.9%
- **Other:** 27.5%

#### Lively HSA

- **Construction:** 7.4%
- **Accounting:** 6.6%
- **Marketing and Advertising:** 5.8%
- **Manufacturing:** 5.8%
- **Hospital & Health Care:** 5.0%
- **Financial Services:** 4.1%
- **Computer Software:** 4.1%
- **Education Management:** 4.1%
- **Information Technology and Services:** 4.1%
- **Religious Institutions:** 3.3%
- **Other:** 49.6%

#### Gusto

- **Non-Profit Organization Management:** 5.7%
- **Health, Wellness and Fitness:** 4.9%
- **Computer Software:** 4.9%
- **Accounting:** 4.8%
- **Hospital & Health Care:** 4.8%
- **Mental Health Care:** 4.7%
- **Marketing and Advertising:** 4.4%
- **Information Technology and Services:** 3.7%
- **Medical Practice:** 3.7%
- **Construction:** 2.9%
- **Other:** 55.7%

---
## Alternatives

### Alternatives to Forma

- [Benepass](https://www.g2.com/products/benepass/reviews) — 4.8/5 stars (170 reviews)
- [Rippling](https://www.g2.com/products/rippling/reviews) — 4.8/5 stars (12752 reviews)
- [Asure](https://www.g2.com/products/asure/reviews) — 4.0/5 stars (389 reviews)
- [Paycom](https://www.g2.com/products/paycom/reviews) — 4.5/5 stars (6394 reviews)
- [Awardco](https://www.g2.com/products/awardco/reviews) — 4.9/5 stars (6006 reviews)
- [Circula](https://www.g2.com/products/circula/reviews) — 4.6/5 stars (1058 reviews)
- [isolved](https://www.g2.com/products/isolved/reviews) — 4.3/5 stars (1302 reviews)
- [Workday HCM](https://www.g2.com/products/workday-hcm/reviews) — 4.1/5 stars (1627 reviews)
- [Fringe](https://www.g2.com/products/fringe/reviews) — 4.7/5 stars (444 reviews)
- [HR Plus](https://www.g2.com/products/trinet-hr-plus/reviews) — 3.9/5 stars (465 reviews)

### Alternatives to Lively HSA

- [WEX Benefits](https://www.g2.com/products/wex-benefits/reviews) — 3.7/5 stars (84 reviews)
- [Paylocity](https://www.g2.com/products/paylocity/reviews) — 4.4/5 stars (5319 reviews)
- [Rippling](https://www.g2.com/products/rippling/reviews) — 4.8/5 stars (12752 reviews)
- [isolved](https://www.g2.com/products/isolved/reviews) — 4.3/5 stars (1302 reviews)
- [ADP Workforce Now](https://www.g2.com/products/adp-workforce-now/reviews) — 4.2/5 stars (4221 reviews)
- [Paycom](https://www.g2.com/products/paycom/reviews) — 4.5/5 stars (6394 reviews)
- [Awardco](https://www.g2.com/products/awardco/reviews) — 4.9/5 stars (6006 reviews)
- [Remote](https://www.g2.com/products/remote/reviews) — 4.5/5 stars (4018 reviews)
- [Paychex](https://www.g2.com/products/paychex/reviews) — 4.1/5 stars (1699 reviews)
- [SAP SuccessFactors HCM](https://www.g2.com/products/sap-sap-successfactors-hcm/reviews) — 4.1/5 stars (1654 reviews)

### Alternatives to Gusto

- [Rippling](https://www.g2.com/products/rippling/reviews) — 4.8/5 stars (12752 reviews)
- [Paycor](https://www.g2.com/products/paycor/reviews) — 3.9/5 stars (1333 reviews)
- [Paycom](https://www.g2.com/products/paycom/reviews) — 4.5/5 stars (6394 reviews)
- [Paylocity](https://www.g2.com/products/paylocity/reviews) — 4.4/5 stars (5319 reviews)
- [Paychex](https://www.g2.com/products/paychex/reviews) — 4.1/5 stars (1699 reviews)
- [Namely](https://www.g2.com/products/namely/reviews) — 3.9/5 stars (331 reviews)
- [Dayforce](https://www.g2.com/products/dayforce/reviews) — 4.2/5 stars (957 reviews)
- [ADP Workforce Now](https://www.g2.com/products/adp-workforce-now/reviews) — 4.2/5 stars (4221 reviews)
- [Workday HCM](https://www.g2.com/products/workday-hcm/reviews) — 4.1/5 stars (1627 reviews)
- [APS](https://www.g2.com/products/aps-aps/reviews) — 4.6/5 stars (826 reviews)

---
## Top Discussions

### Forma

No discussions available for this product.

### Lively HSA

No discussions available for this product.

### Gusto

- Title: [Is there an app for Gusto payroll?](https://www.g2.com/discussions/is-there-an-app-for-gusto-payroll) — 4 comments, 1 upvote
  > **Top comment:** "No, only for employees. You can only run payroll using a browser."
- Title: [Is gusto payroll safe?](https://www.g2.com/discussions/is-gusto-payroll-safe) — 3 comments, 6 upvotes
  > **Top comment:** "Yes, it is secure"
- Title: [What is Gusto used for?](https://www.g2.com/discussions/what-is-gusto-used-for) — 2 comments
  > **Top comment:** "payroll"
- Title: [What is gusto payroll?](https://www.g2.com/discussions/what-is-gusto-payroll) — 2 comments
  > **Top comment:** "Gusto payroll is a web client platform where you can perform payment for an employees or contractor for your owned business. Simply it is your accounting..."
- Title: [Why doesn't Gusto take responsibility and rectify the pay problems that they have caused?](https://www.g2.com/discussions/25111-why-doesn-t-gusto-take-responsibility-and-rectify-the-pay-problems-that-they-have-caused) — 2 comments, 3 upvotes *(includes official response)*
  > **Top comment:** "Hi there, we see you've been in touch with several customer support advocates and managers to help go through the situation as well as provide options for..."

---
**Source:** [G2.com](https://www.g2.com) | [Comparison Page](https://www.g2.com/compare/formabenefits-vs-lively-hsa-vs-gusto)