PEO Underwriter

Niural Inc.; New York, Northern (NY, KY); Hybrid; USD 80,000 - 110,000; Full time

Job summary

Niural Inc. is seeking a PEO Underwriter to evaluate, price, and manage risk for new and renewing groups within a co-employment model.

You will own cases end-to-end, analyze claims trends, and collaborate with cross‑functional teams to ensure profitability, regulatory adherence, and accurate data processing. The ideal candidate has 1–3 years in health insurance underwriting or related analytical roles, strong Excel/Sheets skills, and the ability to work independently in a fast-paced environment

Qualifications

• Bachelor’s degree in Finance, Mathematics, Statistics, Computer Science, Economics, or related field.
• 1–3 years of experience in health insurance underwriting, benefits administration, actuarial support, or related analytical roles.
• Strong attention to detail with a focus on data accuracy and quality.
• Proficiency working with large datasets and census files.
• Clear written and verbal communication; translate underwriting concepts for stakeholders.

Responsibilities

• Prioritize underwriting requests across new business, renewals, and changes.
• Review census files, invoices, plan designs, and eligibility rules.
• Audit data for missing fields and inconsistencies.
• Analyze claims experience and trends to support pricing decisions.
• Prepare underwriting summaries for internal stakeholders and carrier partners.
• Collaborate with Brokers, Sales, Compliance, BenOps, and Payroll teams.
• Maintain organized underwriting files and ensure PHI/data security.

Skills

Underwriting experience

Data analysis

Excel/Google Sheets

Communication

Time management

Education

Bachelor’s degree in Finance, Mathematics, Statistics, Computer Science, or Economics

Tools

HRIS systems

Benefits administration platforms

Job description

Work from home; occasional travel may be required for training or team events

Job

Full-time

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Role Overview

The PEO Underwriter is responsible for evaluating, pricing, and managing risk for new and renewing PEO groups within a co‑employment model. This role requires strong analytical skills, comfort with complex datasets, and the ability to interpret carrier documentation, claims trends, and regulatory requirements. You will own cases end‑to‑end, collaborate with cross‑functional teams, and ensure underwriting decisions support profitability, compliance, and operational accuracy.

This position is ideal for candidates with 1–3 years of experience in health insurance underwriting, benefits administration, or related analytical roles who are ready to take on full underwriting responsibility in a fast‑paced PEO environment.

Key Responsibilities

Submission Review

Independently prioritize underwriting requests across new business, renewals, off‑cycle changes, and census updates.

Review submissions for completeness, including census files, prior carrier invoices, renewal packets, plan designs, eligibility rules, SIC codes, and participation details.

Assess case complexity and determine appropriate underwriting timelines based on SLAs and effective dates.

Audit census data for missing fields, formatting inconsistencies, dependent mismatches, ZIP code anomalies, and eligibility flags.

Validate prior carrier documentation including rates, contribution structures, enrollment counts, and renewal methodologies.

Analyze claims experience, loss ratios, credibility, and trend factors to support pricing decisions.

Apply underwriting principles within a PEO/MEWA framework, including risk pooling, composite rating, and multi‑state regulatory considerations.

Pricing&Underwriting Decisions

Develop and deliver pricing recommendations for new and renewing groups, ensuring alignment with profitability targets and carrier guidelines.

Identify risk drivers such as participation issues, demographic shifts, high‑cost claimants, and plan migration patterns.

Prepare underwriting summaries and rationale for internal stakeholders and carrier partners.

Cross‑Functional Collaboration

Work closely with brokers, sales teams, and internal partners to clarify missing or unclear submission information to prevent delays.

Partner with Compliance to support ACA affordability testing, eligibility determinations, and regulatory adherence.

Collaborate with Benefits Operations (BenOps), Implementation, and Payroll/HRIS teams to ensure downstream processes receive clean, accurate data.

Operational Excellence

Maintain organized underwriting files, documentation, and audit trails in accordance with internal and carrier standards.

Ensure PHI and sensitive data are handled securely and in compliance with HIPAA and internal protocols.

Contribute to continuous improvement initiatives, including workflow enhancements, data quality improvements, and underwriting playbook updates.

Required Skills&Qualifications

Bachelor’s degree in Finance, Mathematics, Statistics, Computer Science, Economics, or a related analytical field.

1–3 years of experiencein health insurance underwriting, benefits administration, actuarial support, or related analytical roles.

Strong attention to detail with a focus on data accuracy and quality.

Proficiency working with large datasets, employee census files, and spreadsheet‑based analysis.

Clear written and verbal communication skills, with the ability to translate technical underwriting concepts for brokers and internal stakeholders.

Strong Excel or Google Sheets skills; ability to learn new platforms quickly.

Ability to manage multiple cases and deadlines while maintaining high accuracy.

Self‑starter who can work independently while collaborating effectively with senior underwriters and cross‑functional teams.

Nice to Have

Exposure to PEO, ASO, or group health insurance concepts.

Familiarity with ACA compliance, COBRA, or benefits administration workflows.

Experience with HRIS, benefits admin, or payroll platforms.

Progress toward or interest in AHIP, LOMA, or other underwriting/actuarial certifications.