Senior Benefits Broker / Employee Benefits Consultant

Description

Position Type: Full-Time

Experience: 7–10+ Years

Licensing: Active State Life & Health Insurance License Required

About the Company

For nearly 40 years, CIP Group has been a dynamic force in Employee Benefits, Retirement, HR Consulting, and Payroll Services, committed to excellence and innovation. While we are a Boston-based, independent benefit brokerage located in Cambridge, MA, we are proud to be a national firm, serving clients across the country. Our diverse team simplifies work life for clients by offering expert services tailored to each client’s strategic vision.

We are positioned for continued growth as a trusted, forward-thinking partner in benefits, HR, retirement, and payroll services. Our future is rooted in deep client relationships, adaptive solutions, and a passion for solving real business challenges.

As we look ahead, we will continue to evolve with the needs of the modern workforce, introducing tools and strategies that help organizations operate more efficiently and support their people more meaningfully. We are not just keeping pace; we are helping shape what comes next.

About the Position

We are seeking an experienced, licensed Senior Benefits Broker / Employee Benefits Consultant to join our growing team. This individual will play an important role in managing client relationships, developing strategic employee benefits solutions, and helping employers design and maintain competitive, cost-effective benefit programs.

The ideal candidate is a knowledgeable benefits professional who brings strong industry experience, established carrier relationships, excellent client service skills, and the ability to independently manage client accounts from initial strategy through annual renewals.

Key Responsibilities

• Manage and develop long-term relationships with employer clients, serving as a trusted advisor on employee benefits strategy and program design.
• Oversee the annual renewal process, including plan analysis, carrier marketing, negotiations, and presentation of recommendations.
• Advise clients on medical, dental, vision, life, disability, voluntary benefits, and other employee benefit offerings.
• Evaluate existing benefit programs and recommend cost-containment strategies, plan design improvements, and competitive market alternatives.
• Analyze renewal projections, claims trends, utilization, and market conditions to develop effective benefit strategies.
• Provide guidance on applicable employee benefits regulations, including ACA, ERISA, COBRA, HIPAA, and other relevant requirements.
• Identify opportunities to expand existing client relationships and develop new business.
• Prepare and deliver client presentations, proposals, and strategic recommendations.
• Collaborate with internal HR consulting, benefits administration, payroll and retirement  teams to deliver integrated client solutions.
• Maintain strong relationships with insurance carriers, vendors, and industry partners.

Requirements

Qualifications

• Active State Life & Health Insurance Producer License.
• Minimum of 7–10 years of experience in employee benefits brokerage, consulting, or a related insurance industry role.
• Proven experience managing an employer benefits book of business.
• Strong knowledge of employee benefit plan design, carrier negotiations, renewals, and the insurance marketplace.
• Experience with fully insured, self-funded, and level-funded medical plans preferred.
• Working knowledge of federal and state employee benefits regulations.
• Excellent communication, presentation, negotiation, and relationship management skills.
• Ability to work independently, manage multiple priorities, and provide strategic recommendations to clients.
• Demonstrated business development and client retention capabilities.
• Preferred: CEBS, REBC, RHU, or other relevant industry designation.

What We're Looking For

We are looking for a seasoned benefits professional who understands that successful benefits consulting goes beyond securing insurance coverage. The right candidate is a strategic thinker, relationship builder, and problem solver who enjoys helping employers navigate the complexities of employee benefits while delivering meaningful value to their organizations and employees.

This is an excellent opportunity for an experienced benefits professional who wants to contribute to a growing organization, build lasting client relationships, and play an important role in the continued growth of our benefits practice.