Shout out Fidelity and Fidelity customer service.
I used to pretty strongly dislike Fidelity when I started using their services over a decade ago: their website was bad, very buggy, bad layout, different links took you to completely different places in the website that made it counter intuitive how to navigate. I just thought that it was overall not as serious or professional as vanguard.
But over the last decade, their website has improved, they've launched their line of ZERO index funds, and after having had to do 5 HSA rollovers this year, I have to say: things have really improved.
During my 5 HSA rollovers: I have had to call Fidelity a bunch of times, and the one word I think when I talk to their customer support is: competence.
Their transfer assets setup is really nice: 2 of my HSA rollovers "just worked" and the other 3 were all squarely the other custodians' fault. When I call the other custodians' customer service, quite frankly: they have no idea what the hell they are doing. Optum told me to fill out the wrong form that is very clearly to transfer assets going the other direction. WEX was a freaking nightmare, to be fair: that one was partially my fault but their processes also suck, on hold 1hr+, and they made a mistake.
Every time I talk to Fidelity customer service, I don't have to explain Finance 101 to the customer support rep. They are coherent and they understand what I'm saying. I don't have the sinking feeling that I'm going to have to explain something really basic to someone to help them do their job, like I feel when I have to contact the other providers.
And their product offerings and website are very intuitive, nearly on par with Vanguard honestly, and perhaps some of their index funds are even superior.
So I wanted to give some recognition: Fidelity: my opinion of you at the beginning was you needed to get your $#!+ together, and over the last decade, you have. You're finally serious people, well done.