Employee 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 and 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.


Healthcare Benefits

Optimum pools together thousands of employees across our client base, doing what no insurance broker can, so you can provide the best employee benefits at affordable rates usually only offered to large 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 and PPO dental plans that cover routine cleanings, x-rays, major restorative services, and orthodontia.

Vision Plans

Vision care plans that cover eye exams, eyeglasses, and contact lenses.

Compliance & Transparency

Transparency in Coverage

We have a long supported premium transparency for our clients. Compliance with the laws and regulations applicable to our clients and employees is our fundamental value, and we are actively complying with the Transparency in Coverage rule by providing the link below to the machine-readable files and consumer price transparency tool.

Financial Benefits

401(k) Retirement Plans

Set up a 401(k) plan and provide your employees with access to leading funds so they can set aside pre-tax dollars for their retirement. Optimum manages your plan in entirety so you can offer this important benefit without having to worry about paperwork, 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 victi

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 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 Optimum Clients are Saying

Optimum tailored its services to my organization. Now, instead 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.

Owner of a financial services company

Working with Optimum has been a pleasure. From the moment we signed on, it has been nothing but smooth, transparent, and pleasant. The team I work with is always available, and I know that whatever it is that we might need, they are “on it.” I appreciate the accessibility of Optimum’s staff, and the feeling that my company is partnering with Optimum. We’re not just a client on the list, we’re partners. Most of all, I know that our employees are 100% taken care of, and that is the most invaluable part by far.

Controller at a software development company

We have been extremely satisfied with the customized package of solutions Optimum provides our company. However, it is the personalized service and responsiveness that has been most outstanding. Whether it’s addressing a business challenge with senior management, or describing a benefit to an employee, Optimum has demonstrated the same remarkable level of professionalism and responsiveness.

Founder of a healthcare service company

The support we receive from Optimum’s HR specialists is invaluable. Their knowledge and experience gives us peace of mind when making a critical company decision. Across departments, Optimum representatives consistently exhibit professionalism and responsiveness.

CEO at a management company

Working with Optimum has allowed us to revisit previous policies in place to ensure we are current and contemporary with our guidelines. They have also provided excellent consultation services for a variety of HR and benefits-related items. Thanks Optimum!

Sr. Vice President of Operations at an IT company

Optimum is clear about what they say and what they provide. Their pricing is transparent, and there are no hidden fees. Working with them is straightforward, and there are no gimmicks involved, which makes business quick and simple. I would recommend Optimum to anyone looking for a local HR solution.

Accountant at a software development company