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Measurable before marketable
We lead with the math, the assumptions, and the operational requirements before presenting a solution.
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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.
Every Optiv recommendation is designed to be understandable to finance, practical for HR, and useful for employees.
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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.
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