PEO Underwriter

Key Responsibilities

• 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.
• 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.
• 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.
• 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.

Required Skills & Qualifications

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