ABC · Action Benefit Consulting LLC创新 · 信任 · 社区 Innovation · Trust · Community
在新世界，有一個朋友。A friend in the new world.
Benefits, insurance, accounting, and business paperwork for Chinese-American people, families, professionals, and businesses — handled in your language, at published prices, by a friend in the new world. 为在美华人个人、家庭、专业人士与企业处理福利、保险、会计与企业文书——用您的语言，按公开的价格，做您在新世界里的朋友。
Our goal is to make the connections from clients to the professional services they need. 我們的目標，是把客戶連接到他們需要的專業服務。
价格全部公开 · PUBLISHED PRICES
Benefit account administrationfrom $5/mo
ICHRA administration$15/mo
ERISA compliance bundle$999/yr
Community · 社区
為我們的社區而建 · Built for our community
Our clients crossed an ocean and built something real in America — a practice, an agency, a restaurant, a company, a family's future. Then they met the second America: the one made of paper, written in another language, with penalties for wrong answers. 我们的客户跨越重洋，在美国真正打下了一片天地——一家诊所、一间机构、一家餐馆、一家企业、一个家庭的未来。然后他们遇到了第二个美国：一个由纸张构成、用另一种语言写成、答错了就要罚款的美国。
Action Benefit Consulting is the friend in the new world — the trusted connection between you and the professional services you need: benefits, insurance, accounting, retirement, compliance, and filings, in English and Chinese, at flat published prices. We ran our own companies' plans, about 340 employees, on this same system before offering it to anyone. You built your business and your life here. We will help you run the paper. 行动福利咨询，是您在新世界里的朋友——是您与所需专业服务之间值得信赖的连接：福利、保险、会计、退休、合规与申报，用英文和中文为您办妥，价格公开统一。在把这套系统提供给任何人之前，我们先用它管理了自己公司约 340 名员工的计划。事业与生活，是您在这里建起来的。纸上的事，交给我们。
Trust · 信任 — the direction of everything we do · 我们做事的方向
信任 · 专业 · 可靠
Trust · Professionalism · Reliability
ABC is the trusted connection between clients and the professional services they need. Trust is not a word on a wall — it is a set of arrangements you can check. Professionalism is doing the unglamorous paperwork exactly right, every time. Reliability is being reachable, in your language, when it matters. Here is the structure underneath those words: ABC 是客户与所需专业服务之间值得信赖的连接者。信任，对我们不是墙上的一句标语，而是一套您可以查证的安排；专业，是把不起眼的文书每一次都做对；可靠，是在您需要时，用您的语言找得到人。以下是这三句话背后的制度：
专业合作伙伴 · Professional Partners
Some work is regulated, and regulated work belongs with licensed professionals. ABC is your one door: we coordinate the engagement, and licensed partners deliver the regulated work. We never claim our partners' licenses as our own. 有些工作受法规监管，受监管的工作就该由持牌专业人士完成。ABC 是您的单一窗口：由我们统筹对接，持牌合作伙伴完成受监管的工作。我们从不把伙伴的牌照说成自己的。
律师 · Lawyers
For filings and matters that require licensed counsel. 处理依法需要持牌律师出面的申请与事项。
会计师 · Accountants & CPAs
Tax preparation and review by qualified accounting professionals. 由合资格的会计专业人士负责税务申报与审核。
持牌保险经纪 · Licensed Insurance Agents
Coverage quoted, placed, and bound by licensed insurance agents. 由持牌保险经纪负责保险的报价、安排与承保。
Innovation · 创新
创新，就在日常的工作里 · Innovation is how we work
Systems do the routine work; real people review everything unusual. That is how a small firm gives professional practices big-firm infrastructure — without big-firm prices. 日常工作由系统完成，特殊情况由真人复核。这就是一家小公司，能为专业机构提供大公司级后勤的原因——而收费不是大公司的收费。
在线注册 · Online registration
Register your company online in about two minutes and get a confirmation number right away. 在线注册公司，约两分钟完成，立即获得确认号。
电子签署 · One e-signed agreement
One services agreement — BAA included — signed electronically. No stack of forms. 一份服务协议，包含 BAA，电子签署，无需一堆表格。
在线索赔 · Digital claims
Employees file claims online and check their status anytime, in Chinese or English. 员工在线提交索赔，随时查询进度，中英文都可以。
在线指南 · Bilingual guides
Plain-language guides and a searchable eligible-expense list, free on this site. 通俗易懂的双语指南与可搜索的合资格费用清单，免费在本网站提供。
Products · 服务
信任，落实到服务 · What trust delivers
事业您来建，纸上的事我们办。You built the business. We run its paper. Seven services under one roof — for businesses, and for individuals and families too. Where a flat price exists, it is published below; where the work is regulated, it is delivered through licensed partners, with ABC as your one door. 七项服务，一处办妥——服务企业，也服务个人与家庭。能定出统一价格的，下面全部公开；受监管的工作，则通过持牌合作伙伴完成，ABC 是您的单一窗口。
中英双语服务 · Bilingual Service
Owners and employees, in Chinese or English — enrollment materials bilingual, questions answered by people. 业主与员工，中文英文都通；报名材料双语，问题由真人解答。
合规无忧 · Compliance Handled
Plan documents, fairness testing, and filings — prepared for you, kept current, on the record. 计划文件、无歧视测试与申报——为您办好、保持更新、留有记录。
客户资金独立托管 · Segregated Funds
Client money sits in a segregated Wells Fargo account — never mixed with our operating funds. 客户资金存放于富国银行独立账户——从不与我们的运营资金混合。
懂华人企业 · Built for Our Community
A Chinese-American firm serving Chinese-American employers — we know how your business actually runs. 华人创办的公司，服务华人企业——我们懂您的企业真实的运作方式。
健康保险 · Health Insurance — ICHRA
In plain words: no group insurance plan needed. Your employees buy their own individual health coverage, and you reimburse them tax-free through payroll. We check their coverage, make sure the plan stays affordable under the rules, verify premiums, and run the reimbursements. The $499 setup fee is waived on an annual contract. QSEHRA is also available for employers under 50 full-time staff. Prefer a group plan? We help you compare the two paths honestly — including when ICHRA is not the right answer. 简单来说：无需团体保险计划。员工自行购买个人医疗保险，您通过工资系统免税报销。我们负责核实保险、确保计划符合可负担性规则、核实保费并处理报销。签年度合同免除499美元设置费。50名全职员工以下的雇主也可选择QSEHRA。想上团体计划？我们帮您诚实比较两条路——包括ICHRA并不适合的情况。
Buying coverage for yourself or your family, outside an employer plan? We help individuals and families understand their options, and connect you with licensed insurance partners for enrollment. 为自己或家人购买保险、不经过雇主计划？我们帮个人与家庭看懂可选方案，并为您连接持牌保险伙伴完成投保。
商业保险 · Business Insurance Coordination
In plain words: workers' compensation, general liability, professional liability, commercial property — most businesses must carry several policies, and what is required differs by trade and by state. ABC coordinates: we map the coverage your business is required to carry, organize the information insurers ask for, prepare workers' comp audit data, and refer you to licensed insurance partners who quote and place the coverage. The services themselves are provided through our licensed insurance partners — ABC is the coordinator at your side, in Chinese and English, before you buy, not after a claim. 简单来说：工伤保险、一般责任险、职业责任险、商业财产险——大多数企业必须同时持有几种保单，具体要求因行业与州而异。ABC 负责协调：梳理您的企业依法需要配置的保障，整理保险公司要求的资料，准备工伤保险审计数据，并为您转介持牌保险伙伴，由他们报价与承保。服务本身由我们的持牌保险伙伴提供——ABC 是您身边的统筹者，用中文和英文，在您购买之前把关，而不是等到理赔时。
We do not sell, quote, bind, or negotiate insurance and are not a licensed insurance producer. Coverage is quoted and placed by licensed insurance partners. · 我们不销售、不报价、不承保、也不洽谈保险，并非持牌保险经纪人；保险由持牌保险伙伴报价与安排承保。
灵活支出与报销账户 · FSA / HRA / DCAP + Section 125
In plain words: your employees set aside pay before tax for health and care costs — and you save on payroll taxes too. We handle enrollment, payroll deduction files, claim checking and approval, the benefits debit card, leftover-money rules (carryover and forfeitures), the required fairness testing, and year-end reports — for Health FSA, Limited-Purpose FSA, HRA, and Dependent Care accounts, all under one Section 125 plan. 简单来说：员工以税前工资留出医疗和护理费用——雇主同时节省工资税。我们负责报名、工资扣款文件、索赔审核、福利借记卡、结余规则（结转与没收）、必需的无歧视测试和年度报告——涵盖健康FSA、有限用途FSA、HRA和受抚养人护理账户，全部在一个第125条计划下。
An employee with one of these accounts? It is your personal benefit account — file claims and check your status in the employee area. 您是持有这类账户的员工？这是您的个人福利账户——请到员工专区提交索赔、查询状态。
退休计划教育与行政支持 · Retirement-Plan Education & Administrative Support
In plain words: benefits should not end with health coverage. We help employers set up and support a workplace retirement plan — 401(k), SIMPLE IRA — with education on plan types, enrollment support, and payroll contribution coordination. For owners, individuals, and families, we offer plain-language education on retirement basics, so you understand the choices in front of you. And when you need actual investment advice, we connect you with licensed adviser partners who provide it. 简单来说：福利不应止于健康保险。我们协助雇主设立并支持企业退休计划——401(k)、SIMPLE IRA——包括计划类型教育、报名协助与工资缴款协调。我们也为企业主、个人与家庭提供通俗易懂的退休基础教育，让您看懂面前的选项。当您需要真正的投资建议时，我们为您连接提供该服务的持牌顾问伙伴。
Education and administrative support only. Action Benefit Consulting is not a registered investment adviser or broker-dealer, and provides no investment advice, recommendations, or fund selection. · 本项仅为教育与行政支持。ABC 并非注册投资顾问或经纪交易商，不提供投资建议、推荐或基金挑选。
ERISA 合规套餐 · ERISA Compliance Bundle
In plain words: the legal paperwork every benefits plan is supposed to have — done for you, for one flat fee. It includes your plan documents (Wrap SPD and Section 125 plan document), kept up to date, the annual required testing, and Form 5500 filing preparation where your plan needs it. Behind on past 5500s? Cleanup is quoted per project. 简单来说：每个福利计划都应具备的法律文件——我们为您办好，统一收费。包括计划文件（Wrap SPD与第125条计划文件）并保持更新、年度必需测试，以及在需要时编制5500表。往年5500表逾期未报？清理服务按项目报价。
会计与簿记 · Accounting & Bookkeeping
In plain words: day-to-day bookkeeping, payroll processing, and tax-filing support — for businesses, and for individuals and families. Monthly books kept clean, payroll run on schedule, routine filings prepared, and year-end tax packages organized, so tax season is a handoff, not a scramble. A sole owner? Business and household money often runs through the same accounts — we help you keep both sides straight. 简单来说：日常簿记、工资处理与报税支持——服务企业，也服务个人与家庭。每月账目清清楚楚，工资按时发放，例行申报准备就绪，年终报税资料整理成包——报税季是交接，不是手忙脚乱。一人公司？生意与家庭的钱常常走同一个账户——我们帮您把两边都理清。
Bookkeeping and payroll are handled by ABC; tax preparation is performed through our partner accountants and CPAs. · 簿记与工资由 ABC 处理；税务申报由我们的合作会计师与注册会计师完成。
房客驅逐申請 · Landlord–Tenant Eviction Filing
In plain words: for landlords in our community, we handle the filing — preparing and submitting the landlord–tenant complaint through the court's e-filing system. The filing step is where most of the time and cost sits; that is the part we take off your desk. Everything around it is your choice, à-la-carte: notices, hearing-day preparation, and follow-up steps are available only if you want them — nothing is bundled that you did not ask for. Where a step requires a licensed attorney, it goes through our partner attorneys. 简单来说：为社区的房东而设：我们负责申请提交——准备并通过法院电子系统提交房东—房客诉状。申请这一步最花时间、也最占成本，这正是我们替您拿走的部分。其余事项由您按需单点：通知、开庭准备与后续步骤，需要才加，绝不捆绑您没有要求的内容。如某一步骤依法需要持牌律师出面，则由我们的合作律师处理。
A filing and administrative service — not legal advice. For legal questions, consult a Pennsylvania attorney. · 本服务为申请与行政协助，并非法律意见；如有法律问题，请咨询宾州律师。
其他附加服务 · Also available as add-ons
COBRA and state continuation administration · ACA Forms 1094/1095 reporting and eligibility tracking · Lifestyle spending accounts · Commuter benefits (Section 132). Priced as add-ons to an administration plan. COBRA与州延续保险管理 · ACA 1094/1095表申报与资格跟踪 · 生活方式支出账户 · 通勤福利（第132条）。作为管理计划的附加服务定价。
Employers · 雇主专区
为专业机构与成长型雇主而设 · For professional practices & growing employers
Action Benefit Consulting LLC（ABC）为中小型雇主管理福利账户与福利合规事务——诊所、牙科、药房、事务所、护理机构、餐饮集团都适用。您可以把我们当作您的福利后勤办公室：系统处理日常工作——报名、工资扣款文件、索赔审核——特殊情况由专人复核。我们先在本系统上管理自己公司的计划（约340名员工），然后才对外提供服务。我们熟悉华人企业的运作方式，全程可以中文沟通。 Action Benefit Consulting LLC (ABC) runs benefit accounts and benefits compliance for small and mid-size employers — clinics, dental practices, pharmacies, firms, care agencies, and restaurant groups. Think of us as your benefits back office: our systems do the routine work — sign-ups, payroll deduction files, claim checking — and real people review anything unusual. We first ran our own companies' plans on this same system, for about 340 employees, before offering it to anyone else.
开始很简单 · Getting started is easy
- Register online (about 2 minutes). Tell us about your company and pick your services. You get a confirmation number right away. 在线注册（约2分钟）。告诉我们贵公司的基本情况并选择服务，立即获得确认号。
- Sign one agreement. We send a single services agreement — it includes everything, even the privacy agreement (BAA) — for electronic signature. No stack of forms. 签署一份协议。我们发送一份服务协议——包含全部内容，包括隐私协议（BAA）——电子签署即可，无需一堆表格。
- We set everything up. We prepare the plan documents, connect to your payroll, and help your employees enroll. You just approve. 我们完成全部设置。我们准备计划文件、对接工资系统，并协助员工报名。您只需确认。
算一算：雇主能省多少钱 · What employers save — worked examples
员工税前留出的每一元，雇主就少缴一元的工资税（社保 + 医保，合计 7.65%）。下面是我们免费指南里的三个真实算法例子——节省通常超过我们的服务费。 Every dollar your employees set aside pre-tax is a dollar you no longer pay employer payroll tax on (Social Security + Medicare, 7.65%). Three worked examples from our free guide — the savings typically more than cover our fee.
| Company 公司 | Staff 参加员工 | Avg election 人均申报 | Pre-tax total 税前总额 | Payroll tax saved 省下工资税 | ABC fees / yr ABC年费 | Net saving 净节省 |
|---|---|---|---|---|---|---|
| Small employer · 小型公司 | 10 | $1,500 | $15,000 | $1,148 | $1,050 | $98 |
| Mid-size employer · 中型公司 | 25 | $2,000 | $50,000 | $3,825 | $1,950 | $1,875 |
| Growing employer · 成长型公司 | 50 | $2,500 | $125,000 | $9,562 | $3,450 | $6,112 |
FSA elections only. ABC fees = $5 per participant per month + $450 annual administration fee. Estimates assume wages under the Social Security wage cap. · 以上仅为FSA部分。ABC年费 = 每位参加者每月5美元 + 年管理费450美元。估算假设工资低于社保工资上限。
下载完整指南 · Download the full guide (PDF)
怎么选 · How ABC compares
| ABC · Action Benefit Consulting | A large payroll company's benefits add-on · 大型工资公司的福利附加服务 | Doing it yourself · 自己处理 | |
|---|---|---|---|
| Cost shape 费用方式 | Flat, published prices: FSA administration from $5 per participant/month + $450/year; ICHRA $15 per eligible employee/month; ERISA compliance bundle $999/year. 统一公开定价：FSA管理每位参加者每月5美元起 + 年费450美元；ICHRA每位合资格员工每月15美元；ERISA合规套餐每年999美元。 | Typically an add-on priced per employee per month on top of a payroll subscription; the exact price is usually quoted by a sales representative. 通常是在工资服务订阅之外、按员工按月收费的附加项；具体价格一般由销售代表报价。 | No administration fee — but your own staff time, and penalty risk if testing or filings are missed. 没有管理费——但要占用自己员工的时间，且漏做测试或申报有罚款风险。 |
| Chinese-language human support 中文真人服务 | Yes — we speak Chinese with owners and employees, and enrollment materials are bilingual. 有——我们与老板和员工都用中文沟通，报名材料双语。 | Support is generally in English; Chinese-language help is not typically part of the service. 服务一般为英文；中文协助通常不在服务范围内。 | Only if your own staff happen to speak Chinese. 取决于您自己的员工是否会中文。 |
| Documents, testing & filings 文件、测试与申报 | We prepare the plan documents, run the required fairness (nondiscrimination) testing, and prepare Form 5500 where your plan needs it. 计划文件由我们准备，必需的无歧视测试由我们进行，需要时编制5500表。 | May be included, or sold as separate services, depending on the plan purchased. 视购买的方案而定，可能包含，也可能作为单独服务收费。 | You draft and maintain the documents and run the testing yourself, or hire a lawyer or accountant task by task. 文件由您自己起草维护，测试自己做，或按项目聘请律师、会计师。 |
| Claims 索赔处理 | Employees file claims online here; we check receipts, approve claims, and pay back through payroll. 员工在本网站提交索赔；我们审核收据、批准索赔，并通过工资返还。 | Claims go through the provider's own portal and support queues. 索赔通过服务商自己的门户和客服队列处理。 | You collect the receipts, judge what counts, and keep the records yourself. 收据由您收集、资格由您判断、记录由您保管。 |
Insights · 免费指南
先看懂，再决定 · Understand it first, then decide
Plain-language guides with real numbers — print them, share them with your employees and family, and check our math. 用真实数字写成的通俗指南——打印出来，或转发给您的员工和家人，也欢迎您核对我们的算法。
员工能省多少钱？· How much do employees save?
用真实数字说明：参加FSA后，每100美元能省多少税，健康FSA和育儿FSA分别能省多少。Real numbers: how much tax an FSA saves on every $100, for Health FSA and Dependent Care.
雇主能省多少钱？· How much do employers save?
员工税前扣款，雇主同步省下工资税。本指南用三个公司规模的例子算清净节省（已扣除我们的服务费）。When employees pay pre-tax, the employer saves payroll tax too. Three worked examples, net of our fees.
哪些费用可以报销？· What can I pay for?
合资格费用一览：医疗、牙科、眼镜、处方药、儿童照护——以及哪些不可以。一页看懂。Eligible expenses at a glance: medical, dental, vision, prescriptions, child care — and what doesn't count.
Markets · 服务地区
我们在哪里开通 · Where we serve
Pennsylvania · New Jersey · Ohio — onboarding now. All other states — join the waitlist: register the same way, your registration joins the list for your state, and we email you the moment onboarding opens there. No silent hold — your confirmation page will say plainly which one you are. 宾夕法尼亚州 · 新泽西州 · 俄亥俄州——现在可办理。其他各州——加入等候名单：照常注册即可，您的注册会进入所在州的名单，该州一开放办理，我们立即发邮件通知您。不会悄悄搁置——确认页面会明确写明您属于哪一种。
Register today and start onboarding right away. 今天注册，立即开始办理。
Register today and start onboarding right away. 今天注册，立即开始办理。
Register today and start onboarding right away. 今天注册，立即开始办理。
Join the waitlist — we email you the moment your state opens. 加入等候名单——您所在州一开放，我们立即通知您。
Extended Administrative Support · 延伸行政支援
嚴選商業服務網絡 · Vetted Business Care Network
One friend, one door — the rest of running a business in America, coordinated through our vetted network. 一個朋友，一扇門——在美國經營事業的其他大小事務，由我們統籌嚴選網絡一站辦妥。
Beyond benefits, we help our clients navigate local operational complexity through our trusted network. 福利之外，我們透過嚴選的合作網絡，協助客戶處理本地營運的大小事務。
Single-point coordination by Action Benefit Consulting; execution by our licensed, vetted partner network. · 由ABC單一窗口統籌，實際執行由持牌、嚴選的合作夥伴完成。
FAQ · 常见问题
雇主常见问题 · Common questions from employers
I'm an employer — how much work is this for us? · 我是雇主——我们需要做多少工作？
Very little. You send us a payroll deduction file each pay period (we give you the format), and we handle enrollment materials, claims, testing, documents, and reporting. Most employers spend a few minutes per pay period. 非常少。您只需在每个工资周期向我们发送工资扣款文件（我们提供格式），报名材料、索赔、测试、文件和报告都由我们处理。大多数雇主每个工资周期只需花几分钟。
I'm an employer — what does it cost, exactly? · 我是雇主——具体费用是多少？
FSA/HRA/Dependent Care administration starts at $5 per participant per month, plus a $450 annual administration fee. ICHRA is $15 per eligible employee per month (minimum $99/month). The ERISA compliance bundle is $999 per year. No hidden setup fees on annual contracts — the ICHRA setup fee is waived. FSA/HRA/受抚养人护理管理每位参与者每月5美元起，另加每年450美元管理费。ICHRA为每位合资格员工每月15美元（最低每月99美元）。ERISA合规套餐每年999美元。年度合同无隐藏设置费——ICHRA设置费免除。
先问一句 · Have a question first?
Not ready to register? Ask us anything — just your name, a phone or email, and your question. No company legal name, no EIN, no obligation. 还没准备好注册？先问一句——只需姓名、电话或邮箱和您的问题。不需要公司法定名称，不需要EIN，没有任何义务。
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