Benefits Specialist

Digital Federal Credit Union; Marlborough (MA); On-site; USD 67,000 - 80,000; Full time

Benefits offered by this job

Health, dental, and vision coverage

401(k) with generous match

Paid time off and holidays

Employee pricing on lending products

Job summary

First Tech Federal Credit Union seeks a Benefits Administrator to manage health, retirement, and leave programs. You will coordinate benefits data with HRIS and payroll, ensure compliance with ERISA/ACA, and support open enrollment with carriers and TPAs.

You will act as the primary contact for employee inquiries, audit invoices, and help educate managers on plan provisions, while partnering with payroll to ensure accurate deductions and timely payments.

Qualifications

• Bachelor's degree in a field relevant to the role (or 4 additional years of relevant experience)
• 2-4 years of relevant experience
• Working knowledge of ERISA, ACA, COBRA, HIPAA
• Proficiency with Benefits Administration/HRIS platforms (e.g., UKG/Ben Admin) and Excel for audits/reconciliations
• Strong analytical and problemsolving skills with high attention to detail and data accuracy
• Excellent written and verbal communication; ability to explain complex benefit topics clearly and empathetically

Responsibilities

• Administer day-to-day activities of health, dental, vision, HSA/FSA, life & disability, COBRA, workers' compensation, and other voluntary benefit plans.
• Serve as primary contact for employee benefit inquiries; research and resolve issues and liaise with carriers and TPAs to ensure timely resolution.
• Coordinate and administers benefit administration and deduction information; educate employees/managers on rights and responsibilities and ensure appropriate documentation and tracking.
• Administer retirement plan processes (e.g., 401(k) enrollments, changes, loans, hardships, distributions, QDROs) and support compliance/nondiscrimination testing with plan providers.
• Process qualifying life events and lifecycle transactions; ensure updates to HRIS system and carrier files.
• Audit monthly benefit invoices for accuracy, reconcile to HRIS/payroll records, and perform quarterly billing audits.
• Plan and support annual Open Enrollment: update/test benefits configuration, prepare communications, and process enrollment changes.
• Partner with Payroll to ensure accurate benefit deductions and retro adjustments; monitor deduction accuracy after life events and leaves.
• Maintain compliant records for ERISA, ACA, COBRA, HIPAA; support audits as needed.
• Develop and maintain benefits procedures and job aids; deliver new hire benefits orientation and training.
• Track and report benefits and leave metrics; identify trends and recommend process improvements.

Skills

ERISA/ACA knowledge

HRIS platforms

Excel for audits

Analytical skills

Communication skills

Education

Bachelor's degree

4+ years experience in lieu of degree

Tools

UKG/Ben Admin

Microsoft Excel

Job description

Description

This position administers the organization's comprehensive benefits programs, ensuring accurate eligibility, enrollments, billing, and compliance with applicable laws and plan rules. The role serves as a primary point of contact for employees, managers, and vendors, providing guidance on health & welfare plans, retirement plans, and assist with the coordination of leave of absence matters. This position collaborates closely with Payroll and HRIS to maintain data integrity across systems, support open enrollment and vendor interfaces, and drive process improvements through regular audits and reporting.

Here's what you can expect from the job and what you need to be successful:

What You'll Do :

Essential Functions:

• Administer day-to-day activities of health, dental, vision, HSA/FSA, life & disability, COBRA, workers' compensation, and other voluntary benefit plans.
• Serve as primary contact for employee benefit inquiries; research and resolve issues and liaise with carriers and TPAs to ensure timely resolution.
• In partnership with the leave of absence teams, Coordinate and administers benefit administration and deduction information; assists with educating employees/managers on rights and responsibilities and ensure appropriate documentation and tracking.
• Administer retirement plan processes (e.g., 401(k) enrollments, changes, loans, hardships, distributions, QDROs) and support compliance/nondiscrimination testing with plan providers.
• Process qualifying life events and lifecycle transactions; ensure accurate, timely updates to the Benefits Administration/HRIS system and carrier files.
• Maintain data integrity by auditing carrier feeds/EDI/APIs and weekly exception reports; research and correct enrollment/termination discrepancies.
• Audit monthly benefit invoices for accuracy, reconcile to HRIS/payroll records, coordinate timely payments, and perform quarterly deep dive billing audits.
• Plan and support annual Open Enrollment: update/test benefits configuration, prepare employee communications, and process enrollment changes.
• Partner with Payroll to ensure accurate benefit deductions, arrears processing, and retro adjustments; monitor deduction accuracy following life events and leaves.
• Maintain compliant records for ERISA, ACA, COBRA, HIPAA and other applicable regulations; support internal/external audits as needed.
• Develop and maintain benefits procedures and job aids; deliver new hire benefits orientation and ad hoc training for employees and managers.
• Track and report benefits and leave metrics; identify trends and recommend process improvements to enhance experience and control costs.

Typical Scope:

• Applies practical and theoretical knowledge of job area with a growing understanding of functional area and specialized discipline. Gains exposure to complex tasks.
• Accountable for assigned tasks and projects. Works independently and may lead small projects or influence decisions.
• Analyzes and works on moderately complex problems and tasks. Adapts procedures and recommends solutions, while exercising judgement.
• Works independently on most tasks, works in close partnership with benefits leadership team for additional tasks as appropriate. Demonstrates discretion in daily decision making.

Essential Skills:

Education & Experience:

• Required Education: Bachelor's degree in field relevant to role (or 4 additional years of relevant experience in lieu of a degree)
• Required Experience:2 - 4 years of relevant experience

Qualifications & Skills:

• Working knowledge of ERISA, ACA, COBRA, HIPAA
• Proficiency with Benefits Administration/HRIS platforms (e.g., UKG/Ben Admin) and Microsoft Excel for audits/reconciliations.
• Strong analytical and problemsolving skills with high attention to detail and data accuracy.
• Excellent written and verbal communication; ability to explain complex benefit topics clearly and empathetically.

Location:

Marlboro, MA

Target Compensation:

$66,500 - $79,500 annually

Schedule:

Monday - Friday 8-5

Who We Are:

Every great journey begins with a bold idea-and ours is no different. First Tech and DCU were founded on the belief that financial solutions should put people first. That belief has fueled decades of innovation and service, rooted in the tech sector and expanding to support members from all walks of life.

Employees are eligible for:

• Traditional medical, dental, and vision coverage
• Generous 401(k) match
• Paid Time Off: You'll accrue up to 15 days in your first year. In addition, you'll receive 40 hours of sick time and 3 personal days, which refresh annually
• Paid federal holidays
• Special employee pricing on lending products such as mortgage, auto, and personal loans (eligibility subject to standard account requirements and underwriting criteria)

Employment Statements:

First Tech is an equal opportunity employer, and we value diversity, inclusion, and equity at our company. We evaluate qualified applicants without regard to race, color, religion, age, sex, sexual orientation, gender identity, national origin, disability, veteran status, and other legally protected characteristics.

If you're applying for a job and need a reasonable accommodation for any part of the employment process, please send an email to [e-mail] and let us know the nature of your request and contact information. Please note that only those inquiries concerning a request for reasonable accommodation will be responded to from this email address.

First Tech is not currently offering Visa transfer/sponsorship for this position.