Benefits administration for employers 为雇主提供员工福利管理

Action Benefit Consulting LLC (ABC) administers reimbursement accounts and benefits compliance for small and mid-size employers. Our systems — document intake, rules-based claims checking, payroll-deduction feeds, and participant portals — do the routine work, and people review the exceptions. We run our own affiliated companies' plans on this same system, for about 340 employees, before we ever offered it to anyone else. Action Benefit Consulting LLC（ABC）为中小型雇主管理报销账户与福利合规事务。我们的系统——文件接收、按规则自动审核索赔、工资扣款数据对接、参与者门户——处理日常工作，人工负责复核例外情况。我们先在本系统上管理自己关联公司的计划（约340名员工），然后才对外提供服务。

Our services · 我们的服务

FSA / HRA / Dependent Care + Section 125 Administration · 灵活支出与报销账户管理

from $5 per participant / month · 每位参与者每月5美元起

Enrollment, payroll deduction files, claims substantiation and adjudication, benefits debit card, carryover and forfeiture handling, nondiscrimination testing, and year-end reporting for Health FSA, Limited-Purpose FSA, HRA, and Dependent Care accounts under one Section 125 plan. Annual administration fee $450. 在一个第125条计划下，为健康FSA、有限用途FSA、HRA和受抚养人护理账户提供报名、工资扣款文件、索赔核实与审核、福利借记卡、结转与没收处理、无歧视测试和年度报告。年管理费450美元。

ICHRA Administration · 个人保障HRA管理

$15 per eligible employee / month · 每位合资格员工每月15美元

No group plan required. Your employees buy their own individual coverage; we verify coverage, check affordability, substantiate premiums, and run tax-free reimbursements through your payroll. Minimum $99/month; $499 setup waived on an annual contract. QSEHRA for employers under 50 FTE also available. 无需团体保险计划。员工自行购买个人保险；我们负责核实保险、检查可负担性、核实保费，并通过工资系统进行免税报销。最低每月99美元；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。

ERISA Compliance Bundle · ERISA合规套餐

$999 per year · 每年999美元

Wrap SPD and Section 125 plan documents prepared and maintained, annual nondiscrimination testing, and Form 5500 preparation where your plan requires it — one flat annual fee. Delinquent-filer cleanup for past-due 5500s quoted per project. 包含Wrap SPD与第125条计划文件的编制与维护、年度无歧视测试，以及在计划需要时编制5500表——统一年费。逾期未报5500表的补报清理按项目报价。

Also available · 其他服务

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。

Where we serve · 服务地区

ABC is now onboarding employers in Pennsylvania, New Jersey, and Ohio. We are expanding state by state: ABC serves employers in every state where benefits-administrator licensing is granted by application — no examination — and in states that require no administrator license at all. Where a state license applies, ABC is licensed in that state before your plan goes live. Don't see your state? Contact us — new states are added as licenses are issued. ABC目前正在宾夕法尼亚州、新泽西州和俄亥俄州接受雇主客户。我们正逐州扩展：凡福利管理人牌照以申请方式核发（无需考试）的州，以及根本不需要管理人牌照的州，ABC均可提供服务。如某州需要牌照，ABC会在您的计划上线前先在该州取得牌照。没有看到您所在的州？请联系我们——新州会随牌照核发陆续加入。

Employers · 雇主咨询： Register your company online — it takes two minutes and you get a confirmation number right away. · 在线注册您的公司——只需两分钟，立即获得确认号。

Employees — Your Flexible Spending Account 员工——您的灵活支出账户

Section 125 Plan · Plan Sponsor: 7248 Home Health Care Inc · 第125条计划 · 计划主办方：7248 Home Health Care Inc

An FSA lets you set aside money from your pay before tax to pay for health care and dependent care. The main sign-up is open enrollment every December: you choose an amount, your election takes effect January 1, and the amount is deducted from each paycheck, tax-free, to use during the year for eligible expenses. New hires can enroll within 30 days of becoming eligible, starting the first of the following month, and if you have a life event — marriage, a new baby, or a spouse's job or coverage change — you can enroll or change your election within 30 days of the event. 灵活支出账户（FSA）让您从工资中以税前方式留出一笔钱，用于支付医疗和受抚养人护理费用。主要报名时间是每年12月的开放申报期：您选择金额，申报于1月1日生效，金额从每次工资中以免税方式扣除，供您在年内用于符合条件的费用。新员工可在符合资格后30天内报名，自次月1日起生效；如果您遇到生活事件——结婚、新生儿、配偶工作或保险变更——可在事件发生后30天内报名或更改申报。

Health FSA · 健康灵活支出账户

$3,400

2026 maximum per employee · 2026年每位员工最高限额
Minimum election: $120 per year · 最低申报金额：每年120美元
For medical, dental, vision, and pharmacy costs for you, your spouse, and your tax dependents. 用于您、配偶及税务受抚养人的医疗、牙科、视力和药房费用。

Dependent Care FSA · 受抚养人护理灵活支出账户

$7,500

2026 maximum per household ($3,750 if married filing separately) · 2026年每个家庭最高限额（夫妻分开报税为3,750美元）
For care of a child under 13, or a dependent who cannot care for themselves, so you can work. 用于照顾13岁以下儿童，或无法自理的受抚养人，使您能够工作。

How it works · 如何使用

Enroll as soon as you are eligible. Open enrollment is in December each year: sign up then, choose how much to set aside, and your election takes effect January 1. New hires can enroll within 30 days of becoming eligible, starting the first of the following month. And if you have a life event during the year — marriage, a new baby, or a spouse's job or coverage change — you can enroll or change your election within 30 days of the event. The amount comes out of each paycheck before tax. 符合资格后即可报名。开放申报期在每年的12月：在此期间报名并选择要留出的金额，申报于1月1日生效。新员工可在符合资格后30天内报名，自次月1日起生效。如果您在年内遇到生活事件——结婚、新生儿、配偶工作或保险变更——可在事件发生后30天内报名或更改申报。金额将从每次工资中以税前方式扣除。
Pay and keep receipts. Pay the doctor, pharmacy, or care provider, and keep the itemized receipt (provider, patient, date, service, amount). 支付并保留收据。向医生、药房或照护提供者付款，并保留详细收据（提供者、患者、日期、服务、金额）。
Submit a claim and get reimbursed. Send your claim and receipt on this website. Approved claims are reimbursed through payroll, ordinarily within 30 days of approval. 提交索赔并获得报销。在本网站提交索赔和收据。获批的索赔通常在批准后30天内通过工资报销。

Submit a Claim 提交索赔 See Eligible Expenses 查看合资格费用 Check a Claim 查询索赔状态

Key dates and rules · 重要日期与规则

Plan year 计划年度	January 1 – December 31, 2027 · 2027年1月1日至12月31日
Open enrollment 开放申报期	December each year — sign up in December; your election takes effect January 1. New hires may also enroll within 30 days of becoming eligible, with entry on the first of the following month. · 每年12月——在12月报名，您的申报于1月1日生效。新员工也可在符合资格后30天内报名，自次月1日起生效。
Who can join 谁可以参加	Employees who have completed 90 days of employment are eligible. Enroll during the December open enrollment for a January 1 start, or within 30 days of first becoming eligible for a start on the first of the following month. · 已完成90天工作的员工符合参加资格。可在12月开放申报期报名，自1月1日起生效；或在首次符合资格后30天内报名，自次月1日起生效。
Mid-year changes 年中更改	A life event — marriage, birth or adoption, or a spouse's job or coverage change — lets you enroll or change your election within 30 days of the event. · 生活事件——结婚、生育或收养、配偶工作或保险变更——可让您在事件发生后30天内报名或更改申报。
Claim deadline 索赔截止日期	Submit claims within 90 days after the plan year ends — by March 31, 2028 · 在计划年度结束后90天内提交索赔——最迟2028年3月31日
Health FSA carryover 健康FSA结转	Up to $680 of unused Health FSA money carries into the next plan year; the rest is forfeited. This plan uses carryover, not a grace period. · 未用完的健康FSA金额最多可结转680美元到下一计划年度，其余将被没收。本计划采用结转方式，不设宽限期。
Health FSA full amount 健康FSA全额可用	Your full Health FSA election is available from January 1, even before all deductions are taken (uniform coverage). · 您的健康FSA申报全额从1月1日起即可使用，即使扣款尚未完成（统一保障规则）。
Dependent Care rule 受抚养人护理规则	You can only be reimbursed up to the amount already deducted from your pay. Dependent care amounts are reported in Box 10 of your W-2. · 报销金额以已从工资中扣除的金额为限。受抚养人护理金额将在您的W-2表格第10栏中报告。
Insurance premiums 保险费	Premiums cannot be paid from an FSA. Premiums for company coverage are paid pre-tax through the plan's premium conversion component. · 保费不能用FSA支付。公司保险的保费通过计划的保费转换部分以税前方式支付。

Questions? 问题咨询： Contact the Plan Administrator at the office. · 请联系办公室的计划管理员。 Keep every receipt — claims without a third-party receipt cannot be paid. · 请保留所有收据——没有第三方收据的索赔无法支付。