Employee Benefits Analyst / Junior Underwriter

Job Description

We are seeking a motivated and analytical Employee Benefits Analyst / Junior Underwriter to join our growing brokerage team. The Employee Benefits Analyst / Junior Underwriter will support the development and execution of comprehensive employee benefits strategies for our clients, with a particular focus on claims reporting and analysis, underwriting, RFPs, renewals, self-funded health plans, stop-loss coverage, and carrier/vendor negotiations.

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This is an excellent opportunity for someone with approximately 1–3 years of employee benefits, insurance, or underwriting experience who wants to develop into a well-rounded benefits professional with both strong analytical capabilities and client-facing responsibilities.

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Key Responsibilities

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Client & Claims Analysis

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• Prepare, analyze, and present claims reports, utilization data, financial performance, and benefit plan trends.
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• Identify key cost drivers, emerging claims trends, and opportunities to improve plan performance.
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• Assist in translating complex claims and financial information into clear, actionable insights for clients.
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• Participate in client meetings and presentations, providing analytical support and recommendations.
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Underwriting & Financial Analysis

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• Perform underwriting and financial analysis for self-funded medical plans.
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• Review carrier renewals, claims experience, enrollment data, plan costs, and projections.
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• Develop financial models and comparisons to evaluate plan alternatives and funding strategies.
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• Support budgeting, forecasting, and renewal strategy development.
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RFPs, Marketing & Renewals

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• Coordinate and manage RFP and marketing processes for medical, ancillary, stop-loss, and other benefit programs.
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• Prepare carrier and vendor submissions and ensure complete and accurate information is provided.
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• Analyze proposals and develop side-by-side financial and contractual comparisons.
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• Assist with the preparation and presentation of renewal recommendations to clients.
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• Maintain timelines and coordinate deliverables throughout the renewal and marketing process.
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Self-Funded Plans & Stop-Loss

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• Support clients with self-funded health plan analysis and ongoing financial monitoring.
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• Review specific and aggregate stop-loss proposals, contract terms, lasers, deductibles, and renewal conditions.
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• Analyze stop-loss options and assist in identifying appropriate solutions based on client risk and claims experience.
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• Work with carriers, TPAs, stop-loss providers, and other partners to obtain and evaluate plan information.
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Carrier & Vendor Negotiations

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• Assist with carrier and vendor negotiations involving rates, fees, contract terms, guarantees, and service commitments.
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• Communicate with insurance carriers, TPAs, PBMs, stop-loss providers, and other benefit vendors.
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• Support the brokerage team in identifying opportunities to improve pricing, contractual terms, and overall client value.
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Qualifications

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• Approximately 1–3 years of experience in employee benefits, health insurance, underwriting, brokerage, consulting, or a related field.
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• Experience analyzing health plan claims, renewals, rates, or underwriting information preferred.
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• Exposure to self-funded medical plans and stop-loss insurance is strongly preferred.
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• Strong analytical and problem-solving skills with the ability to interpret financial and claims data.
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• Proficiency in Microsoft Excel, including VLOOKUPs and PivotTables, with demonstrated ability to organize, analyze, interpret, and present complex data effectively.
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• Strong written and verbal communication skills.
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• Comfortable interacting with clients, insurance carriers, and vendor partners.
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• Highly organized with the ability to manage multiple projects, deadlines, and renewal cycles simultaneously.
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• Detail-oriented while maintaining an understanding of the broader client strategy.
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• Desire to grow into a more consultative and client-facing employee benefits role.
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