Employee Benefits CSR

The Misch Group; Los Angeles (CA); On-site; USD 80,000 - 90,000; Full time

Job summary

The Misch Group is seeking an Employee Benefits CSR in California to lead client engagements across implementation, renewals and ongoing service. This client-facing role requires expertise in benefit programs, HR administration, underwriting principles, and plan design options.

Responsibilities include open enrollment leadership, carrier negotiations, and compliance with ACA rules. Strong communication and organization are essential to manage multiple employer client accounts effectively.

Qualifications

• Experience in benefits brokerage or HR benefits roles.
• Advanced knowledge of medical, dental, vision and ancillary benefits.
• Strong understanding of ACA, COBRA, HIPAA, Section 125, 5500 requirements.

Responsibilities

• Lead client implementations, renewals, open enrollment and ongoing service.
• Onboard new clients with carriers, prepare internal docs, complete paperwork.
• Lead renewal negotiations and plan alternatives with senior oversight as needed.
• Manage RFP processes: compare carrier proposals and align with client objectives.
• Present proposals with recommendations and model impact on costs and coverage.
• Address ACA compliance and affordability calculations and penalties.

Skills

Broker experience

Benefits knowledge

Regulatory knowledge (ACA/COBRA/HIPAA)

Microsoft Office

HRIS systems

Communication

Teamwork

Tools

Employee Navigator

HRIS systems

EDI processes

Job description

Employee Benefits CSR

Department: Insurance & Financial Services

Employment Type: Full Time

Location: California

Compensation: $80,000 - $90,000 / year

Description

This is a client-facing position and with competencies and advanced knowledge of benefit programs, HR administrative functions, underwriting principles, medical funding arrangements, and plan design options. Emphasis on proactive client service and main liaison between the client and carrier/vendors.

Key Responsibilities

• Overall client lead for implementation, renewal, open enrollment, and ongoing service.


• Onboard new clients by working with incumbent carriers for takeover information, prepare internal new business documentation, ensure carrier appointment/licensing paperwork is in place.


• Lead renewal process with carriers, negotiations, and plan alternatives, with or without VP of Operations, depending on account size and complexity.


• Lead the RFP process; spreadsheet and compare carrier proposals, ensure accuracy and alignment with client objectives; ability to make recommendations to VP of Operations and/or Producer.


• Prepare and present proposals with recommendations to client; include contribution modeling and plan modeling such as HRA impact, with team assistance as needed.


• Proactively assist with compliance and/or ACA requirements such as determining affordability rate, PCORI fee responsibility, and understanding/modeling A and B potential penalties.


• Lead open enrollment process, conduct open enrollment meetings virtually or in-person.


• Understand, implement, and manage eligibility process and support clients utilizing internal resources, carrier portals and/or enrollment platforms.


• Remain current on vendor/carrier plans and programs, industry trends and legislation.


• Consistently follow client service workflows and appropriately engage internal resources and escalation as necessary.


• Develop and maintain positive working relationships by collaborating with coworkers and carriers/partners.


• Assist other team members and act as a backup as needed.

Skills, Knowledge and Expertise

• Prior broker experience, 5-8 years in a similar role or Human Resources benefits role.


• Advanced knowledge of medical, dental, vision and ancillary benefits.


• Proficient understanding of ALE rules and regulations, such as ACA, COBRA, HIPAA, Section 125, Wrap Documents, 5500 requirements.


• Microsoft Office suite experience required (Excel, Word, PowerPoint).


• Familiar with Employee Navigator, HRIS systems, EDI process with carriers is a plus.


• Detail oriented and well organized with a sense of urgency, be a problem solver, servant leader, and a good communicator.


• Team player with the ability to build rapport, confidence, and trust externally and internally.