Employee Benefits Analyst / Junior Underwriter

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. 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. 

All candidates should make sure to read the following job description and information carefully before applying.
Key Responsibilities Client & Claims AnalysisPrepare, analyze, and present claims reports, utilization data, financial performance, and benefit plan trends.Identify key cost drivers, emerging claims trends, and opportunities to improve plan performance.Assist in translating complex claims and financial information into clear, actionable insights for clients.Participate in client meetings and presentations, providing analytical support and recommendations.Underwriting & Financial AnalysisPerform underwriting and financial analysis for self-funded medical plans.Review carrier renewals, claims experience, enrollment data, plan costs, and projections.Develop financial models and comparisons to evaluate plan alternatives and funding strategies.Support budgeting, forecasting, and renewal strategy development.RFPs, Marketing & RenewalsCoordinate and manage RFP and marketing processes for medical, ancillary, stop-loss, and other benefit programs.Prepare carrier and vendor submissions and ensure complete and accurate information is provided.Analyze proposals and develop side-by-side financial and contractual comparisons.Assist with the preparation and presentation of renewal recommendations to clients.Maintain timelines and coordinate deliverables throughout the renewal and marketing process.Self-Funded Plans & Stop-LossSupport clients with self-funded health plan analysis and ongoing financial monitoring.Review specific and aggregate stop-loss proposals, contract terms, lasers, deductibles, and renewal conditions.Analyze stop-loss options and assist in identifying appropriate solutions based on client risk and claims experience.Work with carriers, TPAs, stop-loss providers, and other partners to obtain and evaluate plan information.Carrier & Vendor NegotiationsAssist with carrier and vendor negotiations involving rates, fees, contract terms, guarantees, and service commitments.Communicate with insurance carriers, TPAs, PBMs, stop-loss providers, and other benefit vendors.Support the brokerage team in identifying opportunities to improve pricing, contractual terms, and overall client value.

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