Michael Fletcher

Analyzed six voluntary benefits product performance, revenue, lapse trends, commission rates, and large-client cancellations; translated findings into reports and recommendations for finance leadership.

• Redesigned the large-client lapse reporting process by consolidating redundant reports and automating data collection and display, reducing a roughly five-hour process to a few clicks.
• Led an investigation into month-over-month commission ratio volatility and identified the use of unadjusted ratios in commission accrual calculations, revealing a recurring source of reporting error.
• Partnered with adjacent teams to align reporting and accounting methods, improving the consistency of financial results used in business analysis and leadership reporting.
• Built a commission expense ratio dashboard for Colonial Life by reconciling business data sources with operational practices, giving the team a more reliable view of expense movements for planning and cutting a three hour analysis into a 30 minute examination.
• Onboarded and guided new associates in analytical methods and process automation; coordinated contributors working on reporting improvements and redundant processes.

• Improved discrepancy identification accuracy by 69% through SQL-based changes to internal billing reports covering more than 20,000 members, partnering with IT to strengthen data quality.
• Partnered with senior staff to review and streamline enrollment workflows, reducing turnaround time by 20% and improving reporting consistency.
• Developed Excel-based financial and operational reports for leadership to monitor KPIs, identify anomalies, and support decisions.
• Served as a subject matter resource across functions and supported digital reporting and automation projects affecting dental and vision operations.

• Contributed as a subject matter expert to a cross-functional effort that reduced group termination-related losses from $120K to $63K.
• Quality-checked an average of 750 dental and vision cards daily and worked across departments to resolve reporting and production issues.
• Automated card-issuance and termination reporting, saving approximately 20 hours per month; built a team dashboard tracking volume, turnaround, and trends.