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WE CALCULATE OUTCOMES.
You already know your benefits line is bleeding. The Optiv Group is the AI-powered, multi-carrier benefits optimization firm engineered to stop it ,by modeling your payroll, your workforce, and the IRS code together to deliver a measurable financial outcome instead of another plan recommendation.
$957
estimated annual net employer FICA savings per enrolled employee
40 days
typical implementation path from data to go-live
20+
W-2 employee threshold for analysis
Projected employer impact
$287,100
Modeled five-year value for a 60% participation scenario.
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The Optiv Difference
Most Brokers Recommend. We Calculate.
125 Smart Plan
The Optiv Group is not anchored to any single carrier. A-rated underwriters compete to fit the architecture we calculate for your workforce, not the other way around.
$957
Approximate annual net employer FICA savings per enrolled employee
Optiv Advantage
Our optimization engine models payroll structure, tax code interactions, census, and participation scenarios: turning a "gut decision" decision into a calculated one.
Up to 60%
Potential reduction against traditional group rates depending on census and market
Engineered for Measurable Outcomes
Every architecture strengthens coverage, increases employee take-home pay, and recovers payroll tax. Audit-readiness is engineered into the foundation from day one.
5 years
Projected program value view for CFO-level decisions
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Engineered for every stage of your workforce.
Every Optiv engagement starts with the same modeling process and ends with the architecture that fits your workforce. Not products on a shelf. Each plan is a calculated outcome, built around your census, your existing coverage, and the workforce you are trying to build.
OPTIV ACCESS
Day-one telehealth and prescription benefits for employees whose wages do not qualify them for the Optiv Advantage. The coverage layer that ensures no one on your team is left without usable care.
OPTIV ADVANTAGE
The full engineered architecture built on the §125 + §105(b) + §213(d) foundation. 24/7 telehealth, prescription drug plan, hospital indemnity, emergency indemnity, ambulance indemnity benefit, and health maintenance benefit.
OPTIV COMPLETECARE
The Optiv Advantage stacked with ACA-compliant major medical coverage. Built to slash the relentless climb of employer health costs and put the largest line on the P&L back under your control. For employers at, approaching, or exceeding the 50-FTE ACA threshold.
OPTIV PREMIERCARE
The most complete architecture Optiv builds. Adds dental and vision to Optiv CompleteCare so employees never have to choose between health, sight, and a smile when comparing offers. For employers competing for talent at the top of their market.
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See what your payroll is actually worth.
While you absorb the next renewal, the employers who have already engineered their architecture are recruiting from your roster, retaining your workers, and out-spending you on wages. The gap widens every quarter. Not on your P&L. In your market.
“Optiv gave us a way to discuss benefits in CFO language. The savings model was clear, and HR understood exactly what had to happen next.”
Jordan Ellis
CFO, multi-location services employer
Projected six-figure annual payroll tax impact
“Optiv gave us a way to discuss benefits in CFO language. The savings model was clear, and HR understood exactly what had to happen next.”
Jordan Ellis 2
CFO, multi-location services employer
Projected six-figure annual payroll tax impact
“Optiv gave us a way to discuss benefits in CFO language. The savings model was clear, and HR understood exactly what had to happen next.”
Jordan Ellis 3
CFO, multi-location services employer
Projected six-figure annual payroll tax impact
Ready to validate the savings?
Benefits decide who hires your best people.
Every employer's payroll contains a benefits architecture that has yet to be engineered. Twelve months from now, your benefits should be a complete strategy that delivers the strongest coverage on the market and pays for itself. Let us show you what has been sitting in plain sight.The conversation that gets you there is 30 minutes.
Estimates are not tax, legal, or benefits advice and require employer-specific review.
