O3 World specializes in digital product design and development, from conceptualization through implementation and support. We work with businesses as their strategic partner to provide long-term digital solutions through web, mobile, e-commerce, and application development. With offices in Philadelphia and DC, we?ve emphasized a balanced approach to design, innovative technological solutions, and an award-winning agency culture.

Pareto Health forms and manages employee benefit group captives that allow employers to reduce costs and increase control over its employee benefit program. We serve as the management team of the group captive, representing the interests of the group. We offer employers with between 50 and 500 employees access to existing group captives and we create new group captives for groups of employers. We assist the group captive choose a policy issuing carrier, negotiate the reinsurance agreement, and underwrite new and renewal members. We work with the employers to develop and execute a multi-year business plan and provide management reports and tools to measure progress of the plan. Since we are not a broker, consultant, or a captive (domicile) management company, we are not conflicted by also representing individual employers as their broker or by also underwriting on behalf of the insurance carrier. Weￃﾢ￢ﾂﾬ￢ﾄﾢre focused only on the performance of the group captive.