Senior Analyst, Retirement Plans

RXO, Inc.•Charlotte, NC

2d•Hybrid

About The Position

As a Senior Analyst, Retirement Plans at RXO, you will lead the day‑to‑day administration of the company’s retirement plans while partnering across Benefits, Finance, HR, and vendors to support broader financial health and welfare initiatives. You will provide analysis, education, and operational support to help employees make informed decisions about their retirement and overall financial well‑being. This role reports on site Monday-Thursday at RXO’s Headquarters located at 11215 N Community House Rd, Charlotte, NC 28277 and work from home on Fridays.

Requirements

Bachelor’s degree or equivalent related work or military experience
2+ years of experience in a benefits role with a primary focus on retirement plan administration
Working knowledge of employee benefit regulations (ERISA, IRS, DOL, Canada Revenue Agency, etc.)
Strong analytical, problem‑solving, and data‑interpretation skills
Strong proficiency in Microsoft Excel
Experience with HR, payroll, and benefits administration systems

Nice To Haves

Ability to work effectively in a collaborative, cross‑functional environment
Experience in platforms such as Plan Sponsor Website (PSW), Group Retirement Solutions (GRS), and/or Workday.
Experience creating presentation in PowerPoint
Customer‑focused mindset with strong relationship management abilities
ASPPA or CEBS designation

Responsibilities

Administer the day‑to‑day operations of multiple retirement savings plans, serving as the subject matter expert for qualified retirement plans in the U.S. and Canada
Partner with recordkeepers, trustees, payroll, and internal stakeholders to ensure accurate and timely plan administration
Analyze and determine eligibility, contribution levels, annual limits, loan availability, and payment requirements for retirement plans, accounting for situations such as employee leave, death, and termination of employment.
Reconcile employee data, required and voluntary contributions, benefit payments, and vendor invoices to ensure financial accuracy and data integrity
Support annual non‑discrimination testing and ensure ongoing plan compliance with regulatory requirements
Prepare, reconcile, and submit retirement plan contributions, benefit payments, and vendor invoices
Coordinate U.S. and Canadian retirement plan audits and manage relationships with external auditors and regulatory agencies
Ensure all required regulatory filings are completed accurately and submitted on time
Monitor legislative and industry changes impacting retirement plans and recommend process or design improvements
Partner with Benefits, Finance, and vendors to support financial well-being initiatives, including savings, debt management, and retirement readiness programs
Provide analytical support for welfare benefit programs (e.g., medical, dental, vision, life, disability) as needed to support funding, budgeting, and vendor management activities
Analyze trends and utilization data across retirement and welfare programs to inform leadership decision‑making and annual planning
Assist with vendor reconciliations, data validation, and process improvements across financial health and welfare programs
Serve as a resource to Benefits team members by providing cross‑training and backup support as needed
In partnership with vendors, develop and deliver employee education sessions on retirement and financial well‑being topics
Prepare reporting and dashboards for leadership, including plan performance, participation trends, and design recommendations
Support broader benefits communication efforts that reinforce employee financial wellness