Unrelated but you have the greatest username. Firewire was and is great and USB is not

You are correct that if it drains to zero every year that is an FSA for sure

Of course, it’s not a massive menu of investment options but it has all the basics like SP500, target date funds, bond funds, dividend funds, etc. The cash portion, and it is literally called a savings account, is really bad rate, this 0.05% rate is really good compared to mine 😂. For my plan you have to keep at least $1000 in the savings account before you can invest.

My HSA interest rate is actually 0.01%

This is FSA not HSA