You make the introduction. We do the rest.

Your clients already trust you with the work that touches payroll and the bottom line. Optiv gives you something more to bring them: a benefits architecture that recovers payroll tax for the employer and raises take-home pay for their people. You open the door. Our licensed team models the census, designs the plan, manages enrollment, and administers it for the life of the account. You earn recurring revenue on every employee enrolled.

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WHY ADVISORS BRING US TO THEIR CLIENTS.

Employers come to you because you handle the work that keeps them compliant and solvent. Optiv extends that relationship without adding risk to your name. The architecture rests on a fully insured, IRS §125 design that complements a client's existing major medical coverage rather than replacing it. You stay in your lane as the trusted connector. Our licensed professionals carry the plan details, the pricing, and the compliance conversation.

Recurring Revenue

Per-employee compensation paid for as long as the employer and its workforce stay enrolled. With renewal rates in the high nineties, an introduction made once can pay for years.

Zero Execution Burden

After the introduction, Optiv handles census analysis, plan design, enrollment, and ongoing administration. There is no selling, no servicing, and no compliance work left on your desk.

Your Reputation Protected

Every client-facing conversation is run by licensed professionals working from a fully insured, audit-ready design. Your introduction is backed by execution you do not have to vouch for line by line.

TWO WAYS TO PARTNER.

Optiv works with two kinds of partners, and the right structure depends on whether you hold a license. We confirm which fits during the partner conversation and put it in writing before any introduction is made.

Referral Partners

Brokers, business advisors, and consultants who introduce decision-makers to Optiv. You make the warm introduction and share your booking link. Licensed partners may be compensated on a per-employee basis; unlicensed partners are compensated on a flat per-referral basis. The right structure is set in your agreement.

Marketing Partners

Payroll bureaus, accounting firms, and PEOs that introduce Optiv across their client base. These firms work under a marketing services agreement on a fixed monthly retainer, with co-branded materials and joint planning to support the relationship.

FOUR STEPS. YOU OWN ONE.

The process is built so your time investment stays small while the work that creates value sits with our team.

Introduce

Start a conversation with an owner, CEO, CFO, or HR leader and share your booking link so they can schedule on their own time.

We Analyze

Optiv pulls the census, models the workforce against the tax code, and returns a custom projection of employer savings and employee take-home gains.

We Implement

Documents are executed, payroll is integrated, the system is tested, and eligible employees are enrolled. Our licensed team manages every step.

You Earn

Once the account goes live, recurring compensation begins and continues for the life of the enrollment. Residuals are released after the first live month, typically a few weeks after go-live depending on the pay cycle.

WHAT YOUR CLIENTS WALK AWAY WITH.

The reason an introduction converts is that the employer sees real value. Here is what they gain when an account goes live.

What the client gets	Why it matters
Recovered payroll tax	The employer captures payroll tax the code never required them to pay, calculated against their own workforce.
Higher employee take-home pay	Eligible employees keep more of every paycheck through the Health Maintenance Benefit, funded through their own pre-tax elections.
Care employees will use	24/7 telehealth with no copay and a prescription benefit covering 400+ medications.
Works alongside current coverage	The supplemental design complements existing major medical rather than replacing it.
Live in 40 days	Census to first payroll in about 40 days, with roughly two and a half hours of HR time required.

STAY IN YOUR LANE. WE STAY IN OURS.

Because this architecture touches tax and insurance, the line between an introduction and a sale matters. As a partner, your role is to open the door, not to design the plan or quote the numbers. When a client asks a detailed question, the best answer is that Optiv's licensed experts will walk them through it. Speak in measured language: words like can, may, typically, and often, never guaranteed, always, never, or 100 percent. That discipline is what keeps the plan credible and keeps you protected.

**Approved language. Use the right column. The left column creates compliance exposure for you and for the firm.**

Exact compensation structure, rates, and any client-facing figures are confirmed in your partner agreement, not on this page.

What not to say	How to say it instead
This plan is guaranteed to save you money.	This plan is designed to help most employers reduce payroll tax.
Your employees will always take home more.	Many employees can expect an increase in take-home pay.
There is no chance of a compliance issue.	The plan is structured to reduce compliance risk.
You will save a set amount per employee.	Employers often see meaningful per-employee savings.
This works for every company.	This typically fits employers with roughly 50 to 250 employees.
I can walk you through the plan details.	Optiv's licensed team will walk you through all the details.

Partner FAQ

No. Unlicensed partners refer under a flat per-referral or retainer structure and never discuss plan specifics. Licensed partners may be compensated per employee. The right structure is set in your agreement.

After the introduction, effectively none. Optiv handles analysis, design, enrollment, and administration for the life of the account.

Compensation begins after the account's first live month and continues for as long as the employer and its employees remain enrolled.

You create curiosity and make the introduction. Our licensed team carries every detail from there.

Employers with roughly 50 to 250 employees tend to be the strongest fit, though the architecture scales beyond that range.

ONE INTRODUCTION CAN PAY FOR YEARS.

You already have the relationships. Optiv has the architecture, the licensing, and the team to execute it. Bring the two together and earn recurring revenue on work you only have to do once. The partner conversation takes about 30 minutes.

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The Optiv Group helps employers evaluate tax-advantaged benefits strategies, payroll-linked savings opportunities, and modern coverage paths with compliance-aware plan design.

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