Hybrid Benefits Analyst: Client Advisory & Underwriting

Melita-Group; United States; Hybrid; USD 85,000 - 115,000; Full time

Job summary

Melita is seeking a Benefits Analyst to join the Benefits Analysis team in a hybrid role that blends advisory work with financial and underwriting analysis. You will project renewal costs, evaluate carrier proposals, model plan changes, and present recommendations to SMB clients.

This is not a sales role, but a key client-facing position reporting to the Director of Benefits Analysis. You will leverage Excel, Salesforce, and Melita's tools to support renewal decisions, RFPs, and open enrollment

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.

Responsibilities

• Analyze and present proposals for a full range of benefit plans and options to SMB clients.
• Advise and guide clients on benefits package design and employee contribution strategy.
• Lead client renewal presentations and plan-change discussions, translating complex financial and 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 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.
• Build and run RFPs to insurance carriers and GA partners, reviewing quotes and assembling the renewal proposal.
• Collaborate with internal team to ensure timely renewal decisions and a smooth Open Enrollment handoff.

Skills

Analytical thinking

Communication

Presentation skills

Client advisory

Education

Bachelor's degree

Tools

Microsoft Excel

Salesforce

Proprietary analysis tools

Job description

Melita is seeking a Benefits Analyst to join the Benefits Analysis team in a hybrid role that blends advisory work with financial and underwriting analysis. You will project renewal costs, evaluate carrier proposals, model plan changes, and present recommendations to SMB clients.

This is not a sales role, but a key client-facing position reporting to the Director of Benefits Analysis. You will leverage Excel, Salesforce, and Melita's tools to support renewal decisions, RFPs, and open enrollment