福利分析师
Benefits Analyst
Melita 是一家人力资源、福利和薪酬外包公司，为美国及海外的中小型企业建立并维护长期合作关系。我们成立于30多年前，基于一个简单原则：通过创新、服务和支撑客户的HR、员工福利和薪酬需求，帮助客户成功。作为一家以结果为导向的组织，我们对承诺负责，并庆祝客户的成功。我们秉持一套共享价值观，驱动所有工作，以高诚信的方式与客户和合作伙伴建立关系。
职位概述：
福利分析师是 Melita 福利分析（福利营销）团队中的一个混合型职位，结合了直接的客户咨询工作以及背后的财务和承保分析。你是那个既构建数据又解释数据的人：预测续保成本，评估保险公司提案，建模计划和贡献变化，与市场进行基准对比，然后向中小型企业客户提供清晰、有说服力的建议。
这不是一个销售岗位。然而，它在客户关系中是一个关键职位，理想的候选人需要将强大的分析能力与深厚的员工福利知识相结合，同时具备人际沟通和关系建立技能，能够自信地向决策者提供建议。你将向福利分析总监汇报工作。
核心职责：
客户咨询与演示
- 为中小型企业客户提供全面的福利计划和选项提案分析与演示，包括医疗、牙科、视力、残疾、团体人寿和自愿福利。
- 指导客户进行福利组合设计和员工贡献策略，使建议与市场竞争基准以及每家公司的目标、文化和预算保持一致。
- 主导客户续保演示和计划变更讨论，将复杂的财务和福利概念转化为非技术受众可操作的清晰指导。
福利分析与承保
- 负责每个客户的续保分析：预算和续保预测、费率发展、费率层级和贡献分析，以及计划变更建模和定价。
- 将计划设计、贡献和成本与市场数据进行基准对比，以支持你的建议。
- 生成中断、网络折扣、管理费和 f
查看英文原文
Melita is an HR, Benefits, and Payroll outsourcing company, serving and building lasting relationships with small and mid-sized employers in the U.S. and abroad. We were founded over 30 years ago on a simple principle: to help our clients succeed by innovating, serving, and supporting their Human Resources, Employee Benefits, and Payroll needs. As a results-driven organization, we hold ourselves accountable for our promises and we celebrate the successes of our clients. We live by a set of shared values that drive everything we do, and we are known for our high-integrity approach to building relationships with our clients and partners.
Position Summary:
The Benefits Analyst is a hybrid role on Melita's Benefits Analysis (Benefits Marketing) team that combines hands-on client advisory work with the financial and underwriting analysis behind it. You are the person who both builds the numbers and explains them: projecting renewal costs, evaluating carrier proposals, modeling plan and contribution changes, benchmarking against the market, and then presenting clear, well-reasoned recommendations to small and mid-sized business clients.
This is not a sales role. It is, however, a critical position in the client relationship, so the ideal candidate pairs strong analytical ability and deep employee benefits knowledge with the interpersonal and relationship-building skills to advise decision-makers with confidence. You will report to the Director of Benefits Analysis.
Core Responsibilities:
Client Advisory and Presentation
- Analyze and present proposals for a full range of benefit plans and options, including medical, dental, vision, disability, group life, and voluntary benefits, to small and mid-sized business clients.
- Advise and guide clients on benefits package design and employee contribution strategy, aligning recommendations with competitive benchmarks and each company's goals, culture, and budget.
- Lead client renewal presentations and plan-change discussions, translating complex financial and benefits concepts into clear, actionable guidance for non-technical audiences.
Benefits Analysis and Underwriting
- Own the analysis behind each client's renewal: budget and renewal projections, rate development, rate-tier and contribution analysis, and plan-change modeling and pricing.
- Benchmark plan designs, contributions, and costs against market data to support your recommendations.
- Produce disruption, network-discount, administration-fee, and fully insured rate analyses when evaluating alternatives.
- For level-funded and self-funded arrangements where applicable, develop claim projections and IBNR reserve estimates and interpret experience reporting.
- Maintain clean, well-documented analytical files that another analyst can pick up and understand.
RFP and Carrier Marketing
- Build and run RFPs to insurance carriers and general agency partners, soliciting renewal and alternative quotes for each line of coverage.
- Review and validate the quotes that come back, then assemble the annual renewal proposal that the client decision rests on.
- Manage relationships with carrier and GA partners to ensure Melita is well-supported, well-informed, and receiving competitive options for our clients.
Renewal-to-Open-Enrollment Handoff
- Work closely with the internal Benefits Support team to drive timely annual renewal decisions and deliver a clean handoff, giving the support team ample time to execute a flawless Open Enrollment for every client.
Tools and Continuous Improvement
- Work fluently in Microsoft Excel, Salesforce, and Melita's proprietary proposal and analytical tools.
- Contribute to file-documentation standards, process improvements, and the firm's growing use of AI-enabled automation in analytical work.
Qualifications:
Required Qualifications
- 3+ years in a role that involves small group benefits analysis and/or support.
- Bachelor's degree.
- Active Life, Accident and Health Producer License, or the willingness and ability to obtain licensing in the relevant states within a defined onboarding period.
- Solid grounding in benefits financial analysis: budget and claim projection, rate development, contribution analysis, and disruption and discount analysis.
- Strong proficiency with Microsoft Excel and comfort working in a CRM (Salesforce) and AI-enabled workflows.
- Strong communication and presentation skills, with the ability to build trusted relationships with client decision-makers.
Preferred Qualifications
- Experience in a brokerage or consulting environment supporting small and mid-sized groups.
- Hands-on experience across fully insured and level-funded (and ideally self-funded) programs.
- Established relationships with carriers and general agency partners.
- Familiarity with ancillary and voluntary benefit product lines.
- Experience leading, mentoring, or coordinating the work of others, including offshore staff.