Employee Benefits Account Manager

Patriot Growth Insurance Services, LLC•East Providence, RI

6d•$70,000 - $85,000•Hybrid

About The Position

The Employee Benefits Account Manager serves as a trusted advisor to an assigned portfolio of clients, helping them develop benefit programs that support employee needs, business objectives, and budgets. The role leads renewal strategy and carrier marketing, evaluates coverage and funding options, and coordinates benefit plan implementation and ongoing service. The Account Manager works independently and in collaboration with producers, consultants, carriers, vendors, and internal colleagues to provide practical recommendations and a consistent, responsive client experience. The role is based in East Providence, Rhode Island, with a hybrid work arrangement. It requires progressive employee benefits account management experience, a Massachusetts Life, Accident & Health Insurance License, and a high school diploma or equivalent. The posted salary range is $70,000–$85,000 USD. The position is full-time.

Requirements

At least 3 years of progressive employee benefits account management experience in a brokerage, consulting, or agency environment, including client relationship management, renewal strategy, carrier marketing, plan analysis, and ongoing service.
Demonstrated experience managing renewals, evaluating carrier proposals, developing client recommendations, and coordinating benefit plan implementations.
Massachusetts Life, Accident & Health Insurance License.
High school diploma or equivalent.
Knowledge of employee benefits products, including medical, dental, vision, life, disability, voluntary benefits, and wellness solutions.
Strong understanding of fully insured, level-funded, and self-funded arrangements, including the ability to explain funding strategies and associated risks.
Working knowledge of ACA, ERISA, COBRA, HIPAA, Section 125 plans, and other applicable benefits regulations.
Ability to evaluate claims experience, utilization trends, financial information, and carrier proposals and present clear benefit, funding, and cost analyses.
Strong client relationship and problem-solving skills and a commitment to responsive service and client advocacy.
Ability to work independently and coordinate projects with producers, consultants, carriers, vendors, and internal teams.
Strong written, verbal, presentation, and interpersonal communication skills.
Strong organizational and project management skills, including the ability to prioritize competing demands and meet deadlines.
Proficiency with agency management systems, carrier platforms, Microsoft Office applications, and related account management tools.
Sound judgment and discretion when handling confidential information, along with a commitment to continued learning.

Nice To Haves

Associate's or bachelor's degree in Business Administration, Human Resources, Risk Management, Insurance, Finance, or a related field.
Experience independently managing a book of business as the primary client contact.
Hands-on experience supporting fully insured, level-funded, and self-funded benefit programs.
Experience analyzing renewal projections, carrier quotes, claims data, and market trends to guide client strategy.
Professional designations or ongoing professional development in employee benefits, insurance, or risk management.

Responsibilities

Serve as the primary day-to-day contact for assigned employee benefits clients and understand their business goals, workforce demographics, and benefit strategies.
Establish annual renewal and service timelines and coordinate responsibilities and deliverables among clients, carriers, producers, consultants, and internal teams.
Analyze client, enrollment, utilization, and claims information to evaluate plan performance and identify cost-containment and program-improvement opportunities.
Develop and distribute requests for proposals, solicit carrier quotes, and conduct market analyses for new and renewal business.
Evaluate carrier proposals, funding arrangements, plan designs, and pricing, and develop recommendations aligned with client goals and budgets.
Prepare comparative benefit, funding, and cost analyses to support renewal decisions.
Lead virtual and in-person client meetings to present renewal results, explain market conditions, and discuss benefit strategies and funding alternatives.
Negotiate with carriers and vendors to secure competitive benefit solutions and favorable plan terms.
Coordinate implementation of new and renewed programs, including carrier transitions, plan changes, enrollment, employee communications, and eligibility administration.
Guide clients on employee benefits compliance requirements, including ACA, ERISA, COBRA, HIPAA, Section 125 plans, and applicable federal and state regulations.
Resolve service issues and advocate for clients with carriers and vendors throughout the plan year.
Review contracts, policies, benefit summaries, renewal documents, employee communications, and enrollment materials for accuracy, completeness, and compliance.
Maintain accurate client records, plan documentation, and activity tracking within agency systems and carrier platforms.
Identify additional products, services, and consulting solutions that address client needs and strengthen relationships.
Share knowledge and guide colleagues to support team development, consistent service, and continuous improvement.

Benefits

Multiple medical plan options, with preventive care covered at 100%.
Free virtual medical and mental healthcare for employees and their families.
Dedicated healthcare concierge to help navigate benefits, compare prescription costs, and make personalized care decisions.
Employer-paid short-term and long-term disability coverage.
Paid parental leave.
Personalized PTO without traditional accruals, plus separate sick leave.
401(k) company match.
Dental and vision coverage.
Employee Assistance Program with confidential mental health, legal, financial, and work-life support.
Company-paid holidays.
Comprehensive health and welfare program extending to family and domestic partners.