Cash Balance Actuaries
Cash Balance Actuaries is a U.S. pension administration firm that designs, drafts, and administers cash balance, defined benefit, 401(k), and profit sharing plans for small to mid-sized businesses, professional practices, and solo owners, delivered virtually via a web-based client portal and supported through a TPA partner channel.
- Company typePrivate
- Founded2009
- HeadquartersExcelsior, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
Cash Balance Actuaries firmographics
Firmographics- Name
- Cash Balance Actuaries
- Legal name
- Cash Balance Actuaries LLC
- Website
- https://cashbalanceactuaries.com
- Company type
- Private
- Founded year
- 2009
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Cash Balance Actuaries is a U.S. pension administration firm that designs, drafts, and administers cash balance, defined benefit, 401(k), and profit sharing plans for small to mid-sized businesses, professional practices, and solo owners, delivered virtually via a web-based client portal and supported through a TPA partner channel.
- Ownership category
- akta.pro rank
Cash Balance Actuaries industry classification
Industry- Product category
- Pension Plan Administration and Actuarial Services
- NAICS
- Insurance and Employee Benefit Funds (5251), Pension Funds (525110), Trust, Fiduciary, and Custody Activities (523991)
- akta.pro primary industry
- Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE)
- akta.pro secondary industries
- Business Owner & Executive Financial Planning (FSAEAAAO), Retirement Plan Participant Advice & Managed Accounts (FSAEABAF)
Keywords
Where Cash Balance Actuaries is headquartered
LocationHeadquarters
- HQ city
- Excelsior
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Cash Balance Actuaries business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales
Revenue model
- Third Party Administration (TPA) Services: Ongoing annual administration services for retirement plans including actuarial valuations, compliance testing, Form 5500 filings, census reconciliation, participant statements, and trust accounting. Fees are based on plan type and participant count. Also offered as a flat annual fee after the first year of working together.
- Plan Document Preparation and Restatements: One-time fees for drafting new plan documents (SPD, trust) and restating existing plans. Fees range from $1,500 for owner-only DC plans to $3,500 for plans with rank-and-file employees.
- Distribution and Consulting Services: Distribution package preparation (loans, distributions), QDRO processing, additional certifications, IRS/PBGC filings, and hourly consulting. Hourly rates: Actuary $400/hr, Actuarial Associate $300/hr, Support Staff $200/hr.
- TPA Partner Back-Office Services: Fees passed through to end clients via TPA partners, advisors, and accountants. Cash Balance Actuaries locks in costs which are then markup-passed to client.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Annual | Trust Accounting: $300 per plan + $150 per additional brokerage account reconciled |
| Unit Pricing | Annual | Form 5500 / 5500-EZ / 5500-SF: $1,000–$2,000 + $400 per required schedule (SB, R, I, H, C, 8955-SSA, etc.) |
| Unit Pricing | Annual | Actuarial Valuation (DB/CB plans): $1,125 + $60/participant up to 100 + $30/participant over 100 |
| Unit Pricing | Annual | Census Reconciliation: $300 + $10/participant + $5/ineligible employee + $50/data inconsistency; $50/employee if not in spreadsheet |
| Unit Pricing | Annual | Nondiscrimination Testing: $600 + $50/participant up to 100 + $25/participant over 100 |
| Unit Pricing | Annual | ADP/ACP Testing for 401(k): $600 + $30/participant up to 100 + $15/participant over 100 |
| Unit Pricing | Annual | Annual PBGC Filing: $500 |
| Unit Pricing | Annual | Participant Statements: $300 + $20/participant up to 100 + $10/participant over 100 |
| One time/ perpetual license | Pay-as-you-go | Plan Documents (new): $1,500–$3,500 depending on plan type and whether employees exist |
| One time/ perpetual license | Pay-as-you-go | Restated Plan Documents: 50% of original document fee |
| Unit Pricing | Pay-as-you-go | Plan Amendments: $500 |
| Unit Pricing | Pay-as-you-go | Distribution Packages: $200–$500 depending on plan type and recipient status |
| Unit Pricing | Annual | ASC 960 Report: $1,000 |
| Unit Pricing | Pay-as-you-go | Deadline Fees: $500 or $1,000 depending on lateness |
| Other | Pay-as-you-go | Hourly Consulting: Actuary $400/hr, Actuarial Associate $300/hr, Support Staff $200/hr |
| Hybrid | Annual | Flat Annual Fee: Variable — offered after first year of engagement |
Go-to-market motion4 records
Distribution channels3 records
Marketing channels8 records
Cash Balance Actuaries product offering
Product offeringCore offering
Cash Balance Actuaries designs, drafts, and annually administers Cash Balance, 401(k), Profit Sharing, and Traditional Defined Benefit Plans for small to mid-sized business owners. The firm also provides pension consulting services such as distribution paperwork, IRS submissions, PBGC filings, plan amendments, restatements, and can act as a delegated 3(16) Plan Administrator to sign and file Form 5500.
Product overview
Cash Balance Actuaries is a full-service pension plan provider offering a unified suite of retirement plan administration services. The core offering consists of pension plan design and drafting (Cash Balance, 401(k), Profit Sharing, and Defined Benefit Plans), annual third party administration (TPA) services, and pension consulting. The company also offers a TPA Partner Program for third-party administrators seeking back-office actuarial support, an online client portal for account access, and optional 3(16) Plan Administrator services for clients seeking delegated fiduciary responsibilities. All services are governed by the company's Master Services Agreement and associated Service Schedules.
Differentiator
Problem solved
Functional benefit
Products and services
- Pension Plan Design and Drafting Design and drafting of new Cash Balance, 401(k), Profit Sharing, and Traditional Defined Benefit Plans for SMB employers and professional practices.
- Third Party Administration (TPA) Services Annual third party administration for Cash Balance, 401(k), Profit Sharing, and Defined Benefit Plans, including actuarial valuations, compliance testing, Form 5500 filings, census reconciliation, participant statements, and trust accounting.
- Pension Consulting Pension consulting including distribution paperwork preparation, IRS submissions, PBGC filings, estimated contributions, projections, plan amendments, restatements, and additional certifications on an hourly or fixed-fee basis.
- TPA Partner Program Partnership program that allows third party administrators, financial advisors, accountants, and broker-dealers to offer Cash Balance and Defined Benefit Plans to their clients using Cash Balance Actuaries as a co-branded service provider or invisible back office. Reports can be printed on the partner's letterhead and fees are locked in and passed through.
- 3(16) Plan Administrator Services Delegated plan administrator services under ERISA section 3(16), including signing and filing Form 5500, reviewing QDROs, and directing segregation of alternate payee benefits, materially reducing the plan sponsor's fiduciary burden.
Quantifiable outcome
- Business owners can achieve $82,000–$295,000+ additional annual tax-deductible retirement contributions by combining Cash Balance Plans with 401(k) plans, compared to $50,000–$60,000 under 401(k) alone
- +4 more outcomes
Companies that use Cash Balance Actuaries
Customer profileNamed customers5 records
Segments4 records
Ideal customer profiles3 records
Cash Balance Actuaries technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Cash Balance Actuaries partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- SCP Retirement Services, LLC (Strongpoint)coreCash Balance Actuaries is an affiliate of SCP Retirement Services, LLC, trading as Strongpoint. The MSA is entered into between Cash Balance Actuaries and the client, with Cash Balance Actuaries authorized to act as an agent on behalf of related Strongpoint organizations. This affiliation provides infrastructure and regulatory support for ERISA compliance, IRS submissions, and PBGC filings. The relationship allows Cash Balance Actuaries to enter into agreements on behalf of related organizations and provides access to Strongpoint's broader retirement plan services ecosystem.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
Cash Balance Actuaries competitors and assessment
Company assessmentDirect peers
- TAG Resources: TAG Resources is a third party administrator offering retirement plan administration including cash balance, defined benefit, and 401(k) plans for small and mid-sized businesses. Comparable TPA role, customer segment, and service portfolio.
- Holberg Financial: Holberg Financial is a cash balance plan specialist providing plan design, actuarial consulting, and third party administration for businesses and professional practices. Comparable niche cash balance focus and professional practice client base.
- KCS Retirement Plan Services: KCS Retirement Plan Services provides third party administration and actuarial consulting for 401(k), profit sharing, defined benefit, and cash balance plans. Comparable TPA services targeting small and mid-sized employers.
- Pinnacle Plan Design: Pinnacle Plan Design is a third party administrator focused on defined contribution, defined benefit, and cash balance plan design and administration for small and mid-sized plan sponsors. Comparable TPA service mix and target customer segment.
- Sentinel Pensions & Actuarial Services: Sentinel Pensions specializes exclusively in cash balance, defined benefit, and combination retirement plan design and administration for small to mid-sized businesses. Closely comparable niche focus, customer segment, and service portfolio to Cash Balance Actuaries.
- Kravitz & Associates (Kravitz): Kravitz is an actuarial and benefits consulting firm specializing in defined benefit, cash balance, and other qualified retirement plan design and administration for small and mid-sized employers. Comparable specialized actuarial practice serving similar SMB clients.
- The Retirement Plan Company: The Retirement Plan Company is a TPA specializing in qualified retirement plan design and ongoing administration for small to mid-sized plan sponsors, including cash balance and 401(k) plans. Comparable services and target market.
Broad incumbents
- SageView Advisory Group: SageView is a national retirement plan advisory firm offering consulting, actuarial, and TPA services including cash balance plans to businesses of all sizes. Larger, broader retirement plan advisory firm with overlapping cash balance and DB services.
- Empower Retirement: Empower is one of the largest U.S. retirement plan recordkeepers and TPAs, serving plans of all sizes including small-market defined benefit and cash balance plans. Broad incumbent with overlapping customer segment, though focused more on recordkeeping than actuarial design.
Others
- ASPPA (American Society of Pension Professionals & Actuaries): ASPPA is the leading U.S. industry association for pension practitioners, providing credentials (EA, APA, MSPA), publications, and continuing education. Industry body rather than competitor, but directly relevant to the actuarial talent pipeline and thought leadership positioning that Cash Balance Actuaries relies on.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Cash Balance Actuaries social profiles
Digital presenceCash Balance Actuaries financial estimates
Financial estimateRevenue estimate
Valuation estimate
Cash Balance Actuaries leadership team
Management profileNumber of profiles
Profiles8 records
Cash Balance Actuaries funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Cash Balance Actuaries M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Cash Balance Actuaries
What does Cash Balance Actuaries do?
Cash Balance Actuaries designs, drafts, and annually administers Cash Balance, 401(k), Profit Sharing, and Traditional Defined Benefit Plans for small to mid-sized business owners. The firm also provides pension consulting services such as distribution paperwork, IRS submissions, PBGC filings, plan amendments, restatements, and can act as a delegated 3(16) Plan Administrator to sign and file Form 5500.
Is Cash Balance Actuaries a public or private company?
Cash Balance Actuaries is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Cash Balance Actuaries founded?
Cash Balance Actuaries was founded in 2009. It employs 1 to 10 people.
Where is Cash Balance Actuaries based?
Cash Balance Actuaries is headquartered in Excelsior, United States, in the North America region.
How does Cash Balance Actuaries make money?
Four revenue lines are on record. Third Party Administration (TPA) Services are the primary driver. The others are plan Document Preparation and Restatements, distribution and Consulting Services and TPA Partner Back-Office Services.
Who are Cash Balance Actuaries's main competitors?
Direct peers on record are TAG Resources, Holberg Financial, KCS Retirement Plan Services, Pinnacle Plan Design, Sentinel Pensions & Actuarial Services, Kravitz & Associates (Kravitz) and The Retirement Plan Company. Broad incumbents are SageView Advisory Group and Empower Retirement. ASPPA (American Society of Pension Professionals & Actuaries) is listed as an others.
Does Cash Balance Actuaries have an API?
No public API is recorded for Cash Balance Actuaries.
What industry is Cash Balance Actuaries in?
Cash Balance Actuaries's product category is Pension Plan Administration and Actuarial Services. Its primary akta.pro industry code is FSAEABAE, Employer Retirement Plan Advisory (401(k)/Pension), with a secondary code of FSAEAAAO, Business Owner & Executive Financial Planning. Its NAICS code is 5251.