Employee Benefits Advisor

Element Risk Management; Lancaster (Lancaster County); On-site; USD 70,000 - 110,000; Full time

Benefits offered by this job

Competitive base salary

Uncapped commissions

401(k) with company match

Paid time off and holidays

Professional development

Job summary

Element Risk Management seeks an ambitious Employee Benefits Producer to drive new business development and expand our employee benefits practice. You will advise business owners, CFOs, HR leaders, and financial decision makers on benefits strategies and programs.

The role requires strong sales, consultative skills, and a track record of building long-term client relationships in employee benefits.

Qualifications

• Active Pennsylvania Life & Health Insurance License (or ability to obtain immediately).
• Minimum 3 years of experience in employee benefits sales, insurance brokerage, or related consulting field.
• Proven track record of new business development and relationship management.
• Excellent communication, presentation, and negotiation skills.
• Strong organization and time management abilities.
• Proficiency with Microsoft Office and CRM platforms.

Responsibilities

• Develop a strategic plan for generating new employee benefits business.
• Prospect and cultivate relationships with business owners, CFOs, HR executives, and other key decision makers.
• Conduct client discovery meetings to identify benefits, compliance, and workforce challenges.
• Design and present employee benefits solutions including Medical, Vision, Group Life, Disability, Voluntary Benefits, Wellness Programs.
• Coordinate with carriers and internal teams to develop competitive benefit programs.
• Deliver client presentations, proposals, and enrollment strategies.

Skills

Relationship building

Communication

Negotiation

Time management

CRM proficiency

MS Office

Education

Active PA Life & Health Insurance License

CEBS/RHU/REBC (preferred)

Tools

CRM software

Microsoft Office

Job description

About this position

About Element Risk Management

Element Risk is a rapidly growing independent insurance and risk advisory firm committed to helping businesses protect what matters most. We provide customized property & casualty, employee benefits, and risk management solutions designed to reduce total cost of risk and improve organizational outcomes. Our culture is built on integrity, expertise, accountability, and delivering an exceptional client experience.

Position Summary

Element Risk is seeking an ambitious, relationship-driven Employee Benefits Producer to drive new business development and expand our employee benefits practice. This individual will be responsible for identifying, developing, and closing new employee benefits opportunities while serving as a trusted advisor to business owners, executives, HR leaders, and financial decision makers.

The ideal candidate possesses strong sales and consultative skills, a deep understanding of employee benefits strategies, and a proven ability to develop long-term client relationships.

Key Responsibilities

• Develop and execute a strategic plan for generating new employee benefits business.
• Prospect and cultivate relationships with business owners, CFOs, HR executives, and other key decision makers.
• Conduct comprehensive client discovery meetings to identify employee benefits, compliance, and workforce challenges.
• Design and present employee benefits solutions including:
• Medical
• Vision
• Group Life
• Disability
• Voluntary Benefits
• Wellness Programs
• Coordinate with carrier partners and internal service teams to develop competitive benefit programs.
• Deliver client presentations, proposal reviews, and enrollment strategies.
• Maintain and grow a robust sales pipeline utilizing CRM tools and agency sales processes.
• Develop referral relationships with CPAs, attorneys, bankers, payroll providers, and other centers of influence.
• Stay current on healthcare reform, ERISA, ACA compliance, and market trends.
• Collaborate with Property & Casualty Producers to identify cross-selling opportunities.
• Represent Element Risk at networking events, industry associations, and community functions.

Qualifications

Required

• Active Pennsylvania Life & Health Insurance License (or ability to obtain immediately).
• Minimum 3 years of experience in employee benefits sales, insurance brokerage, or related consulting field.
• Proven track record of new business development and relationship management.
• Excellent communication, presentation, and negotiation skills.
• Strong organization and time management abilities.
• Proficiency with Microsoft Office and CRM platforms.

Preferred

• 5+ years of employee benefits brokerage experience.
• Existing network of business relationships within Pennsylvania and surrounding markets.
• Knowledge of self-funded plans, level-funded plans, captives, and alternative funding arrangements.
• CEBS, RHU, REBC, or similar professional designation.

Element Risk offers a highly competitive compensation package designed to reward entrepreneurial producers and business builders.

• Competitive base salary (commensurate with experience)
• Uncapped commission opportunities
• Renewal revenue opportunities
• 401(k) with company match
• Paid time off and holidays
• Professional development and continuing education support

What Success Looks Like

The successful candidate will:

• Become a trusted advisor to clients and prospects.
• Build a sustainable book of employee benefits business.
• Generate profitable organic growth for Element Risk.
• Collaborate effectively with internal teams and carrier partners.
• Enhance Element Risk's reputation as a leading risk management and employee benefits advisor.

Why Join Element Risk?

At Element Risk, you'll have the resources of a growing independent agency combined with the flexibility and entrepreneurial environment of a privately held organization. We empower our producers to focus on building relationships, delivering value, and creating long-term success for their clients and themselves.

Join us in redefining risk management and employee benefits consulting for today's business leaders.