Broker Review & Compliance
Turn Mandated Change Into Strategic Gain
Business leaders face unprecedented changes that bring both challenges and opportunities.
Health-plan costs keep climbing, and new federal transparency rules require employers to prove every broker and vendor fee is reasonable and in employees’ best interest under ERISA fiduciary standards. Minnesota is layering on its own mandates: earned sick and safe time is already here, a payroll-tax-funded Paid Family & Medical Leave program launches in 2026, and most employers must soon offer retirement plan access.
Each rule feels separate, but together they create one powerful opportunity to modernize benefits, strengthen compliance, and delight your workforce today.
Optima Broker Review & Compliance: one platform, your path.
We convene a collaborative, cost-sharing marketplace that small and midsize employers can “plug into” instead of tackling mandates alone. At the heart is our Broker Review hub—a standardized RFP and scorecard that screens brokers under ERISA fiduciary rules and surfaces best-fit private Paid-Leave and Secure-Retirement options. Choose the level of lift that fits:
What's Included
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
What's Included
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
What's Included
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