Financial Benefit Consultant

Internal Title: Associate of Analytics

Department: Account Management

FLSA Status: Exempt

Reports to: Directors of Account Management

Employment Type: Regular, Full-Time

Job Summary

At Creative Benefits, Inc., we prioritize building teams that are collaborative, committed, caring, and client focused. We believe in superior service, tailored solutions, and creative problem-solving. With steady growth driven by client trust and demand, we’re expanding our team to keep delivering at a high level.

We’re looking for a highly analytical, detail-oriented Associate of Analytics to join our team. In this role, you will analyze healthcare costs, review insurance plan performance, and help clients make smart financial decisions about their benefits. You’ll work closely with consultants, account managers, and insurance carriers to review data, negotiate rates, and support the overall strategy.

Someone who is a natural with Excel and other technology while enjoying data analytics, claims evaluation, plan design, cost modeling and contract comparison will be successful in this role. This role is well suited for an individual who possesses a natural curiosity and a drive to uncover insights and solve problems.

*Candidates must have experience within the employee benefits/health insurance space in order to be considered for this position*

Job Responsibilities

1. Underwriting & Financial Analysis

• Evaluate historical claims data, demographics, and plan performance to develop funding recommendations and pricing models for both fully insured and self-funded plans.
• Review and negotiate carrier renewals to ensure the best possible options are presented to the client.
• Analyze and compare benefit costs, develop contribution models, and rate structures across all lines of coverage including medical, dental, vision, life, disability, and voluntary benefits.
• Maintain strong carrier relationships and stay current on emerging trends, carrier underwriting practices, and regulatory changes that impact benefit pricing.

2. Reporting & Deliverables

• Develop and deliver clear, data-driven financial exhibits and executive-ready presentations. Refresh existing templates and materials to effectively communicate trends, performance outcomes, and strategic insights to client leadership.
• Produce recurring monthly claims reports and analyze client requests to design tailored models and reporting solutions.
• Ensure timely and accurate delivery of all reports, presentations, renewals, and custom modeling tools

3. Data & Analytics

• Leverage large healthcare datasets (IE. medical and pharmacy claims) to uncover trends and insights that can forecast risk and guide client strategy, wellness initiatives, and plan design.
• Collaborate with Benefits Consultants, Account Executives and Account Managers to support the development of dashboards, benchmarking tools, and risk assessments that inform proactive client decision-making.

4. Client & Team Collaboration

• Partner with Benefit Consultants, Account Executives and Account Managers to align underwriting analysis with client goals to ensure a cohesive strategy across all client presentations/communications
• Attend client meetings and support renewal or marketing presentations as needed to explain underwriting outcomes and strategy.
• Collaborate with other Analytic department members

Required Job Skills and Qualifications

· 3-5+ years of experience underwriting for health and welfare benefits, preferably in a consulting, brokerage, or insurance environment

· Deep knowledge of employee benefits product lines including medical, dental, vision, life, disability, and voluntary plans

· Experience working with self-funded and fully insured plans and understanding of alternative funding methodologies

· Bachelor’s degree required, preferably in Risk Management or Health Informatics.

· Advanced proficiency in Microsoft Excel (including complex formulas, modeling, and data visualization)

· Proficiency in Microsoft PowerPoint, Word, and other Office applications

· Comfort navigating and interpreting large healthcare datasets (medical, Rx, disability, etc.)

· Exceptional analytical and problem-solving skills with a high attention to detail

· Ability to manage multiple projects and deadlines with strong organizational skills

· Strong written and verbal communication skills, including business writing and presentation delivery

· Collaborative team mindset with the ability to work independently and contribute in a fast-paced, client-focused environment

· Ability to build relationships and influence stakeholders, including carriers and client teams

· Consistently represent Creative Benefits, Inc. in a professional manner

Preferred Job Skills and Qualifications

· Maintains an active Life and Health insurance license.

Supervisory Responsibility

This position is an individual contributor and not responsible for the leadership of other employees.

Physical Demands

While performing the duties of this job, the employee is regularly required to talk or hear. Specific vision abilities required by this job include close vision and ability to adjust focus. This would require the ability to lift files, open filing cabinets and bend or stand on a stool, as necessary. This role routinely uses standard office equipment such as laptop computers and photocopiers.

Position Type/Expected Hours of Work

This is a permanent, full-time position. Days and hours of work are during normal business hours of Monday through Friday, 8:30 a.m. to 5 p.m. Occasional evening and weekend work may be required as job duties demand.

Travel

Travel to clients occurs occasionally. Travel is primarily local during the business day. On rare occasions, some out-of-area and overnight travel may be expected. Mileage is reimbursed. On occasion, travel between offices for the workday may be expected for expanded learning opportunities, collaboration and in-person meetings.

Other Duties

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice.

Creative Benefits, Inc. is dedicated to providing exceptional employee benefits administration and consulting services with offices in Newtown Square and Kingston, Pennsylvania. We support small, mid-sized and large employers in the tri-state area and across the country in a variety of industries. Through our mission to establish enduring partnerships with our clients and their employees by building strategic, innovative, and optimal employee benefit programs that meet the needs of each organization, we have earned a reputation as one of the top insurance brokerages in the industry.

Compensation may vary based on a variety of factors such as, but not limited to, individual skills, experience, location, training, and education/certifications.

Job Type: Full-time

Pay: From $65,000.00 per year

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Health insurance
• Paid time off
• Vision insurance

Experience:

• Employee Benefits/Health Insurance: 1 year (Preferred)

Ability to Commute:

• Newtown Square, PA 19073 (Required)

Work Location: In person