The Challenge: Multiple Mandates, One Opportunity
Federal Transparency Rules
New ERISA fiduciary standards require proof that broker and vendor fees are reasonable and serve employees' best interests.
Minnesota Mandates
Paid Family & Medical Leave launches in 2026. Most employers must offer retirement plan access. Earned sick time is already in effect.
Rising Costs
Health plan costs continue climbing while regulatory complexity increases your administrative burden and compliance risk.
Each rule feels separate, but together they create one powerful opportunity to modernize benefits, strengthen compliance, and delight your workforce.
The Solution: One Platform, Your Path
Instead of tackling mandates alone, plug into our collaborative marketplace. Small and midsize employers share costs while getting enterprise-grade compliance and benefits expertise.
How It Works
- Standardized RFP screens brokers under ERISA fiduciary rules
- Compare broker proposals with our proprietary scorecard
- Access pre-vetted private Paid Leave providers
- Evaluate Secure Choice retirement plan options
- Document your process for audit defense
Meet Fiduciary Standards
Documented process proves you acted in employees' best interests
Save Time & Money
Share costs with other employers while getting expert guidance
Stay Compliant
Navigate federal rules and Minnesota mandates with confidence
Choose the level of lift that fits:
Full Service
Checks every box
One Fee – Included:
- Develop and define benefits strategy and business requirements
- Facilitate broker interviews and decision making
- Document process for fiduciary audit defense file
- Assess and recommend private MN Paid Leave providers
- Evaluate and recommend Secure Choice option (if needed)
Paid Leave and benefits program implementation support not included, but available
Modular Assist
Pick and choose
Itemized Fees – Select one or more:
- Gain access to broker review and assessment results
- Broker decision making facilitation (including fiduciary process)
- License for use of Fiduciary toolkit (just the license, no consultation)
- Gain access to private Paid Leave provider assessment results
- Gain access to Secure Choice vendor assessment results
Plan Proof
Broker checkup
One Fee – Included:
- Develop and define benefits strategy and business requirements
- Administer RFP to current broker
- Facilitate review and broker negotiations
- Document process for fiduciary audit defense file
Client Success Stories
See how we've helped organizations like yours achieve their HR goals
"Optima's Broker Review process saved us thousands and gave us confidence that we were meeting our fiduciary responsibilities. The clarity they provided was invaluable."
CFO
Midwest Innovations Inc.
"The modular approach was perfect for us. We got exactly what we needed without paying for services we didn't. Optima made compliance feel achievable."
HR Director
Prairie Tech Solutions
"With all the new Minnesota mandates, we were overwhelmed. Optima's platform connected everything and turned chaos into a strategic opportunity."
Operations Manager
North Star Manufacturing
Ready to Get Started?
Connect with us to discuss how we can help your organization.