I think either Zabuzo or Kakashi(even if Kakashi himself says what Naruto surpassed him) would kick Naruto ass (even if Naruto is my favourite character) cause Naruto is slow motion man the only thing he has is endurance... at least that's my opinion
Naruto now has finally got some new Jutsu and some taijutsu skills (frog katas) so I'm betting he has finally surpassed Kakashi and Zabuza. Remember that the last time we saw Naruto fight was against Kakuzu who fought the First. Naruto didn't use an elaborate trap like Shikamaru did in that one, Naruto took 3 moves to finish the fight. That's it. 3 moves and he wiped someone out that even Kakashi didn't want to fight alone. Granted that they killed 2 of his hearts ahead of time but that took a surprise move by Kakashi and then a trick by Shikamaru.
I'm really really looking forward to seeing Naruto fight. A couple of things I've noticed about Naruto after his training for Rasenshuriken:
-He is not as hot-headed. Doesn't just charge straight in after being provoked.
-He is very tactics minded. He sent in his shadow clones, not as a way of overwhelming the enemy like he used to but to get a feel for his enemies fighting style.
-He analyzes strategies. First, he sent in clones to get a feel for the battle. Then he used clones to distract his enemy which didn't work. And finally, he used a clone with Rasenshuriken as a decoy to pull the enemy's attention away from his real Rasenshuriken.
-He's now finally mastered a fighting style. Remember that Naruto was never actually a disciplined fighter. His entire style was brawling and finding openings or overwhelming his enemy with massive amounts of chakra and clones. Now, he has a disciplined form or taijutsu.
-He's got new jutsus. We were all sick of him using shadow clones and rasengan constantly. Now he's not a 1 show pony. He's got rasenshuriken and now some new jutsu that looks awesome.
In my opinion, Naruto has surpassed Zabuza and if he hasn't yet surpassed Kakashi then he is going to very soon.