Benefits Analysis & Advisory Specialist

Remote; San Francisco (CA); Hybrid; USD 90,000 - 130,000; Full time

Job summary

Melita is seeking a Benefits Analyst to join its Benefits Analysis team in San Francisco, CA. This hybrid role blends hands-on client advisory work with in-depth financial and underwriting analysis of benefit plans.

You will model renewal costs, evaluate carrier proposals, benchmark plans against the market, and present clear recommendations to small and mid-sized clients, reporting to the Director of Benefits Analysis.

Qualifications

• 3+ years in a role involving small group benefits analysis.
• 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.

Responsibilities

• Analyze and present proposals for a full range of benefit plans and options to small and mid-sized business clients including medical, dental, vision, disability, group life, and voluntary benefits.
• Advise and guide clients on benefits package design and employee contribution strategy, aligning recommendations with benchmarks and each company's goals, culture, and budget.
• Lead client renewal presentations and plan-change discussions, translating complex financial/benefits concepts into clear guidance for non-technical audiences.
• 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 recommendations.
• Produce disruption, network-discount, administration-fee, and fully insured rate analyses when evaluating alternatives.
• For level-funded/self-funded arrangements, 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.
• Build and run RFPs to carriers and GA partners, soliciting renewal/quotes and reviewing quotes to assemble renewal proposals.
• Coordinate with Benefits Support to deliver a clean handoff for Open Enrollment.

Skills

Benefits analysis

Client advisory

Financial modeling

Excel proficiency

Education

Bachelor's degree

Tools

Microsoft Excel

Salesforce

AI-enabled workflows

Job description

Melita is seeking a Benefits Analyst to join its Benefits Analysis team in San Francisco, CA. This hybrid role blends hands-on client advisory work with in-depth financial and underwriting analysis of benefit plans.

You will model renewal costs, evaluate carrier proposals, benchmark plans against the market, and present clear recommendations to small and mid-sized clients, reporting to the Director of Benefits Analysis.