Senior Benefits Broker / Employee Benefits Consultant

The CIP Group•Cambridge, MA

About The Position

CIP Group is seeking an experienced, licensed Senior Benefits Broker / Employee Benefits Consultant to join its growing team. The role manages client relationships and develops strategic employee benefits solutions, helping employers design and maintain competitive, cost-effective benefit programs. The successful candidate 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. The consultant serves as a trusted advisor on employee benefits strategy and program design, oversees renewals, advises on a range of benefit offerings, and provides recommendations informed by plan analysis, claims trends, utilization, and market conditions. The role also supports client growth and retention and works with internal HR consulting, benefits administration, payroll, and retirement teams to deliver integrated solutions. CIP Group is an independent benefits brokerage based in Cambridge, Massachusetts, serving clients nationally. The company has worked in employee benefits, retirement, HR consulting, and payroll services for nearly 40 years and describes itself as a growing, forward-thinking partner focused on client relationships and adaptive solutions.

Requirements

Active State Life & Health Insurance Producer License.
At least 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.
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.

Nice To Haves

Experience with fully insured, self-funded, and level-funded medical plans.
CEBS, REBC, RHU, or another relevant industry designation.

Responsibilities

Manage and develop long-term relationships with employer clients, serving as a trusted advisor on employee benefits strategy and program design.
Oversee annual renewals, 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.
Guide clients 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 relationships with insurance carriers, vendors, and industry partners.