What is ACT Intelligence Platform Propensity Scoring?
Propensity scoring is a data-driven approach that identifies which UK defined-benefit pension schemes are most likely to join the ACT Intelligence Platform Pension Platform. By analysing three key factors, Act can prioritise outreach efforts and focus on the schemes with the highest potential to benefit from ACT Intelligence Platform's consolidated governance, administration, actuarial, and investment services.
Our Approach
We use a weighted scoring system combining three key factors, each scaled to 100 points. The final propensity score is the weighted sum of all three factors, normalised to a 0–100 scale. Schemes scoring ≥ 50 are classified as A-List — the highest-priority ACT Intelligence Platform prospects.
The Three Weighted Factors
| Factor |
Weight |
Scaling (0–100) |
Calculation Method |
| 1. Funding Level |
40% |
100 points |
Funding ratio bands (Technical Provactns basis):
• <60% = 100 pts — high insolvency risk, PPF exposure. Attractive as Act are on PPF panel.
• 60%–80% = 50 pts — underfunded but viable; 10+ years from buyout, many journey projects
• 80%–100% = 75 pts — sweet spot: circa 5–10 years from buyout, ideal ACT Intelligence Platform candidate
• 100%–120% = 100 pts — approaching buyout funding; still 3–5 years away, accelerating end-game work
• >120% = 100 pts — near or above buyout; shorter engagement window but high value short term projects
Note on PPF Panel: Because Act are on the PPF panel, very low-funded schemes (<60%) are also attractive prospects — Act can provide specialist PPF-related advisory services alongside the ACT Intelligence Platform platform offering.
|
| 2. Expert Research Intelligence |
40% |
100 points |
AI-generated Expert Research score:
• No ER document generated = 0 pts
• ER generated, low engagement signals = 25 pts
• ER generated, moderate engagement signals = 50 pts
• ER generated, strong pain points identified = 75 pts
• ER generated, critical pain points + trustee governance concerns = 100 pts
Expert Research is the most actionable factor. Generating an ER document for a scheme immediately improves its intelligence score and surfaces specific scheme challenges that Act can address.
|
| 3. Weak Incumbent Adviser |
20% |
100 points |
Competitive analysis of current actuary / administrator:
• Weak or consolidating incumbent (e.g. Capita, Equiniti/EQ, small boutique) = 100 pts
• Mid-tier incumbent = 20 pts
• Strong incumbent (LCP, WTW, Mercer, Aon) = 60 pts
• Unknown = 40 pts
A weak or consolidating incumbent creates a natural switching opportunity. Schemes with advisers under commercial pressure are more receptive to ACT Intelligence Platform's integrated model.
|
The ACT Intelligence Platform Propensity Formula
Score = (40% × Funding Level) + (40% × Expert Research) + (20% × Weak Incumbent)
Example: (40% × 100) + (40% × 75) + (20% × 100) = 40 + 30 + 20 = 90 / 100
Why These Factors for ACT Intelligence Platform?
ACT Intelligence Platform is purpose-built for smaller DB schemes (typically under £30m assets) that are burdened by governance complexity, administration cost, and investment management challenges. The three factors above directly map to the pain points ACT Intelligence Platform resolves: multi-disciplined, value for money service, funding uncertainty, in-house admin burden, identifiable scheme-specific challenges (via Expert Research), a long enough horizon to realise platform value, and a switching opportunity from a weak incumbent.
Key Insights from Our Analysis
- A-List schemes (propensity score ≥ 50) represent the highest-priority ACT Intelligence Platform prospects
- B-List schemes (propensity score < 50) are monitored for trigger events but are currently lower priority
- Expert Research is the highest-weighted actionable factor — generating an ER document immediately improves a scheme's intelligence score and surfaces specific pain points Act can address
- Funding sweet spot is 80%–120%+ funded on TP basis — these schemes are accelerating towards end-game and represent the most time-sensitive opportunities
- PPF panel advantage — Act's position on the PPF panel makes very low-funded schemes (<60%) attractive prospects, unlike most competitors
- Weak incumbents (Capita, Equiniti/EQ, small boutiques) signal natural switching opportunities — schemes under commercial pressure from their adviser are more receptive to ACT Intelligence Platform's integrated model
How to Use This Information
Use the Focus filter to view A-List and B-List schemes. Generate Expert Research documents to improve the intelligence score for high-priority prospects — this is the single most impactful action you can take to improve a scheme's score. Filter by funding level to identify schemes in the <60% or 100%+ bands where Act's PPF panel membership and end-game expertise create a competitive advantage. The propensity score is recalculated automatically when new Expert Research is available.
Continuous Improvement
The ACT Intelligence Platform propensity model is continuously refined as ACT gathers more data and engagement outcomes. Expert Research intelligence — generated by the AI agents — feeds directly into the scoring model, ensuring that the most recently analysed schemes are scored most accurately.
