Ready to validate the savings?
Optiv helps employers use IRS-compliant §125 strategies, ICHRA stacks, and fully insured benefits to reduce costs while improving employee take-home pay.
Ready to validate the savings?
Optiv brings the financial model, plan design, carrier structure, implementation process, and compliance documentation into one coordinated program.
Savings model
CFO viewEstimate gross employer FICA savings, admin fees, employee impact, and multi-year value before deciding whether to move forward.
24–72 hrs
Typical custom ROI projection turnaround after census submission
Legal opinion
Audit-readyGive leadership a clearer view of the relevant IRS, ERISA, ACA, and plan documentation considerations.
5 layers
Compliance stack covering tax, benefits, carrier, payroll, and implementation
Ready to validate the savings?
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$957
Per enrolled employee
Illustrative annual net employer FICA savings from the 125 Smart Plan.
40
Day implementation
Structured path from data intake to enrollment and go-live.
20+
W-2 employees
Qualification benchmark for an employer savings analysis.
2+
ZIP codes
Ideal for distributed workforces that need flexible coverage strategy.
Ready to validate the savings?
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“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
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Estimates are not tax, legal, or benefits advice and require employer-specific review.
Ready to validate the savings?
Optiv will review your employee count, payroll assumptions, current benefit spend, and eligibility profile so you can evaluate the strategy with CFO-level clarity.
Optiv will review your employee count, payroll assumptions, current benefit spend, and eligibility profile so you can evaluate the strategy with CFO-level clarity.
Estimates are not tax, legal, or benefits advice and require employer-specific review.