Overview

Optimum HR (Optimum Employer Solutions) is a full-service Certified Professional Employer Organization (CPEO) that enables small and mid-sized businesses to offer robust employee benefits typically only accessible to large enterprises. By leveraging expansive buying power and simplifying administration, it empowers companies to streamline their HR, payroll, and benefits functions while maintaining compliance and delivering personal, human support.

Features and Capabilities

• Big-Company Buying Power: Through partnerships with national insurance carriers, Optimum pools thousands of employees to offer competitive rates and premium plans often unavailable to small companies.
• Healthcare Benefits: Offers a range of medical plans, including HMO, PPO, and high-deductible (HDHP), covering preventive, routine, emergency care, and prescriptions.
• Dental & Vision Plans: Provides both HMO & PPO dental options (cleanings, x-rays, restorative services, orthodontia) and vision care (eye exams, glasses, contacts).
• Retirement Plans (401(k)): Fully managed 401(k) solutions, handling paperwork, compliance, and testing.
• Additional Offers: Includes identity protection services, FSAs, HSAs, life insurance (flat-rate or salary-based), employee assistance programs (EAP), critical illness cover, prepaid legal access, employee discount programs, pet insurance, and accident insurance.
• Transparency & Compliance: Strong commitment to regulatory compliance and premium transparency. Actively adheres to mandates like the "Transparency in Coverage" rule.
• Personal Touch: Dedicated Benefits Professionals provide empathetic, human-form services—guiding employees through major life events and ensuring personalized support.
• PEO Suite Integration: Benefits administration is part of a comprehensive PEO offering that includes HR, payroll, risk mitigation, payroll tax filing, and unified billing.