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See how Optiv combines tax optimization, compliant plan design, and modern coverage pathways to help employers reduce total benefits spend.
Savings estimates depend on census, participation, payroll, plan design, and applicable compliance requirements.
Compliance-aware strategy
Designed to support finance, HR, payroll, and employees.
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Optiv helps employers turn tax-efficient benefit design into measurable payroll savings, stronger employee take-home pay, and more usable coverage options.
40 days
Typical implementation track from data to go-live
$957
Illustrative annual net employer FICA savings per enrolled employee
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Every Optiv recommendation is designed to be understandable to finance, practical for HR, and useful for employees.
The team centered its work on IRS-compliant benefit designs that produce measurable employer and employee value.
Optiv expanded its model to support ICHRA, MEC, and voluntary indemnity strategies for distributed workforces.
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Every Optiv recommendation is designed to be understandable to finance, practical for HR, and useful for employees.
We lead with the math, the assumptions, and the operational requirements before presenting a solution.
Programs are structured around IRS, ACA, ERISA, payroll, and carrier requirements from the start.
Every Optiv recommendation is designed to be understandable to finance, practical for HR, and useful for employees.
For employers with 20 or more W-2 employees, a short discovery flow can clarify whether the §125 Smart Plan or Optiv Advantage stack is worth deeper analysis.
W-2 employees
day implementation
custom projection