Benefits
Big-Company Buying Power
Just because you have a small company doesn’t mean you want small-company employee benefits. We’ve partnered with national insurance carriers & secured competitive rates with our large group buying power. As a result, you’ll have greater control managing the cost of insurance for your company year over year. And you’ll be offering better employee benefits than the competition next door.
Insurance
Healthcare Benefits
Optimum pools together thousands of employees, doing what no insurance broker can. This allows you to provide premier employee benefits at affordable rates; rates usually only offered to massive companies.
Medical Plans
HMO, PPO, and high-deductible (HDHP) plans that cover preventative, routine, and emergency care, as well as prescription drugs.
Dental Plans
HMO & PPO dental plans that cover routine cleanings, x-rays, major restorative services, & orthodontia.
Vision Plans
Vision care plans that cover eye exams, eyeglasses, and contact lenses.
Compliance & Transparency
Transparency in Coverage
We have long supported premium transparency for our clients. We are committed to legal & regulatory compliance, including active compliance with the ‘Transparency in Coverage’ rule. Please see the link below to access machine-readable files and the consumer price transparency tool.
Financial Benefits
401(k) Retirement Plans
Set up a 401(k) plan with Optimum and provide your employees with access to leading funds for their retirement. Optimum’s 401(k) plan is entirely managed so you can offer this important benefit without having to worry about paper work, compliance, or testing.
Additional Benefits
For those companies that want to provide better employee benefits than their competition.
Identity Protection Services
Prevent ID theft or restore your identity if you become a victim.
Flexible Spending Accounts (FSA)
Account that allows employees to set aside pre-tax income for eligible healthcare and dependent care expenses.
Life Insurance
Flat rate and one times annual salary plans are available.
Employee Assistance Program (EAP)
Confidential 24-hour hotline that provides support & resources for family, health, and other personal matters.
Critical Illness
Reimburses eligible expenses when a critical illness such as heart attack, stroke, or cancer occurs.
Pre-Paid Legal
Provides employees access to on-call attorneys at a low monthly rate.
Health Savings Accounts (HSA)
Account used in conjunction with a high deductible health plan that allows your employees to set aside pre-tax income for eligible healthcare expenses.
Short and Long-Term Disability
Replaces a portion of income if an employee becomes disabled and unable to work for long periods of time.
Employee Discount Program
Provides corporate discounts on movie tickets, theme parks, retail goods, and more.
Pet Insurance
Provides coverage for eligible veterinary expenses such as major illness or surgery.
Accident Insurance
Reimburses eligible expenses such as ambulance transfer, emergency treatment, hospitalization, or surgery when a major accident occurs.
Identity Protection Services
Prevent ID theft or restore your identity if you become a victim.
What makes Optimum special compared to other PEO’s?
Customized Packages
Employees today are drawn to benefit options as unique as they are. By getting to know you and your business, we help you craft the perfect mix of medical (Anthem and/or Kaiser), dental, vision, retirement, pet, life, and so much more.
Personal Touch
Our Benefit Professionals have persevered in this industry because of their deep care for people. Walking with your employees through major life events like pregnancies, births, illnesses, deaths, & everything in between requires that level of care.
Who We are
Optimum is Your HR Partner
We Reply
Quick Response & Resolution (QRR) is our brand promise. If you call, a human will answer. If you email, you’ll get a reply in 8 hours or less.
We Deliver
True NPS scores don’t lie. Our 2024 NPS score from our partners was 59, which is beyond excellent for the Outsourced HR industry.
We Hire The Best
Happy team members lead to happy partners. See how much our team members love working at Optimum on Glassdoor.
We Are Dedicated
You are not a stat or a number to us. You are a real person leading a real business – and we provide dedicated contacts to serve you.
What Optimum Clients are Saying
of researching human resources regulations and dealing with the stress
of personnel issues, an area where I have no training or expertise,
I can spend my time managing the operations of my business.
Awards & Affiliations
