What does CFH Insurance Consultants actually do?

We are an independent employee benefits consulting firm. We advise employers on group health, dental, vision, life, disability and voluntary benefits - plan design, funding, carrier and renewal negotiation, compliance, and the benefits administration that runs underneath all of it. The work is continuous rather than annual: the renewal is where it becomes visible, but most of it happens in the months either side.

How long have you been in business?

CFH has been operating since 2007. The people here have been in insurance considerably longer than the firm has existed, which is a different claim and worth keeping separate - the firm's own track record starts in 2007. The firm’s incorporation date is a matter of public record with the State of Michigan, if you want to check it.

Where are you, and where do you work?

Our main office is at 41000 Woodward Avenue, Suite 350 East, Bloomfield Hills, Michigan, with additional offices in Colorado Springs and Houston. Michigan is the home market and where most of the work is, but our licensing follows clients beyond it, which matters when an employer's people are not all in one state.

Are you independent, or owned by a carrier or a national group?

Independent. No carrier owns us and no national brokerage sets what we recommend, which is the whole reason a recommendation from us is worth reading. It is a fair question to ask of anyone advising you on a plan, because the answer determines whether the advice can ever point away from a particular carrier.

What size employers do you work with?

From small groups through the mid-market, and the work looks genuinely different across that range - under fifty the levers are plan design, contributions and carrier; above it your own claims start driving the number and funding becomes a real decision. If you want the version specific to your size, the pages by company size lay out what changes at each band.

What industries do you work in?

A broad mix rather than one niche, with real concentration in a few - manufacturing, health care, professional services, mortgage lending and hospitality among them. Industry matters less than workforce shape: a business with variable-hour staff across several sites has more in common with another business like it than with a competitor in its own sector.

Are you licensed outside Michigan?

Yes. Licensing follows the client rather than the office, which is what allows an employer headquartered here to be served properly when its people are spread across several states. If you have employees somewhere specific, ask us about that state directly - it is a factual question with a factual answer.

What happens in a first conversation?

Twenty to thirty minutes, no proposal. You describe what you have and what the renewal looks like, and we tell you whether the number is in line with what comparable employers are being quoted or whether it is not. If it is fair, we say so. Nothing is sent afterwards unless you ask for it. If you are comparing firms first, how to choose an employee benefits broker in Michigan lists the questions to ask each one.

Do we have to be a client to ask you something?

No. A large part of what we do before anyone signs anything is answering questions from employers who are working something out - a compliance date, a renewal that does not read right, whether an arrangement someone is pitching them is real. If it takes a few minutes, it takes a few minutes.

We are not a third-party administrator. We find, vet and manage the administrators our clients use, which means the administrator answers to somebody on your side of the table rather than to itself. We are licensed insurance brokers, not attorneys or accountants - though CPAs and ERISA attorneys are available to clients through the firm for the questions that need them.

Livonia Benefits for Plant and Office Payrolls

By Company Size What We Do Who We Serve Resources About

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Livonia, Michigan, along the I-96 corridor in western Wayne County

EMPLOYEE BENEFITS CONSULTING · LIVONIA, MI

Livonia Benefits Consulting for Two Very Different Payrolls

Livonia is a large western-Wayne suburb built on automotive manufacturing and supplier work — a Ford transmission plant, ZF, NYX and Roush’s engineering and prototype operations. What sets it apart is white-collar health care administration: Trinity Health’s national corporate headquarters sits here alongside its own three-hundred-bed hospital.

For a broader look at plan options for any Livonia employer, see our Livonia employee benefits guide for small and mid-sized employers.

Call 248.370.8853

Photo: WeaponizingArchitecture, CC BY-SA 4.0, via Wikimedia Commons

A Headquarters Town and a Plant Town at Once

Livonia employers draw from two different labor pools. One is administrative and technical — finance, information systems, clinical operations — shaped by a national health care headquarters. The other is skilled trades and production, shaped by transmission assembly and supplier engineering.

Those two populations want different things from a benefits program. The first compares network breadth and out-of-pocket maximums; the second weighs the payroll deduction against the paycheck. Benefit classes inside one plan, documented properly, serve both better than one compromise plan does.

Large Local Layoffs Test Your Paperwork

Trinity Health announced 557 permanent layoffs at its Livonia national operations in late 2026, concentrated in technology and information services as the function is outsourced. Several hundred experienced technical people entering the local market is both an opportunity for hiring employers and a reminder of what a reduction demands administratively.

Related: how we help employers improve workforce health and control healthcare costs all year, not just at renewal.

Election notices, qualifying-event dates and continuation timing all get tested in a reduction of that size. If you are hiring into it, the things to check first are your waiting period, your entry dates, and whether a rapid intake pushes you past fifty full-time equivalents mid-year.

Ways to Fund a Livonia Plan

Fully Insured Coverage for Smaller Payrolls

Fixed rate, no claims exposure. Where the census moves with a production schedule, this is often the right answer and we will say so.

Level-Funding With a Headcount Clause

A group with good claims can leave the pooled rate for a fixed monthly cost and a possible surplus. In Livonia, read how the contract treats a big mid-year hiring or layoff swing.

Self-Funding for Larger Suppliers

Realistic from roughly a hundred lives with stable experience. Attachment points matter more than usual where the headcount swings.

Classes for Trades and Technical Staff

Fund salaried, technical and production staff at different rates inside one plan rather than overfunding everyone to reach one group.

Paperwork a Livonia Layoff Will Test

Continuation Coverage in a Reduction

A layoff tests every COBRA election notice, deadline and qualifying-event date at once, and a late notice is one of the costliest administrative mistakes an employer can make.

Look-Back Rules for Production Hours

Production staff with shifting hours need the look-back measurement, administrative and stability periods written down.

Hiring Surges and the Fifty Line

The mandate counts full-time equivalents across commonly owned companies, and a fast intake of displaced workers can push a Livonia employer over fifty partway through the year.

Filing Duties at a Hundred Participants

Reaching a hundred participants triggers the Form 5500 with Schedule A, and before that you need the wrap document and summary plan description.

Livonia Employers Commonly Ask

We are hiring displaced technical staff. What should we check?

Your waiting period and entry-date rules, and your full-time-equivalent count. Both behave badly under a fast intake, and both are inexpensive to fix in advance.

Our people all use the local hospital. Does that narrow our options?

It focuses them. Trinity Health Livonia is in the major networks, so the real question is which cost tier it falls into and what that does to an employee’s share.

Who Employs Livonia

Transmissions, Prototypes and a National Headquarters

Livonia had 95,535 residents at the 2020 census. Trinity Health’s national headquarters is in the city — the single most distinctive employer here, and an unusual one for a manufacturing suburb. Ford operates the Livonia Transmission Plant, and ZF, NYX and Roush add supplier manufacturing and engineering and prototype services. Mastronardi Produce, UPS, Livonia Public Schools and Schoolcraft College round out the base. Trinity Health Livonia Hospital, a Level II trauma center on Five Mile Road, is licensed for around three hundred beds; it carried the St. Mary Mercy Livonia name until Trinity Health Michigan was formed in 2022. In September 2026 Trinity Health announced 557 permanent layoffs at its Livonia national operations, primarily in technology and information services, running from late October into November.

The Hospital Changed Names in 2022

St. Mary Mercy Livonia is Trinity Health Livonia. Materials still using the old name are out of date rather than wrong about coverage.

Technical Talent Is Entering the Market

More than five hundred technology and information services roles are ending at one local employer. For a hiring employer that is a rare local supply of experienced staff.

Two Payrolls, One Plan

A corporate headquarters population and a plant population do not value the same benefits. Benefit classes inside a single plan are usually the cleanest way to serve both.

Neighbors of Livonia We Also Advise

All Detroit metro cities we serve · Every Michigan city we serve

Answers for Livonia Employers

Is Livonia within CFH’s service area?

Yes. Livonia manufacturers, engineering shops, logistics firms and health care offices use us for plan design, funding and carrier comparisons, renewal negotiation, compliance and enrollment. We are licensed insurance brokers, and for proper coverage of an account we work in teams of five. Reviews begin with your present plan and renewal.

Which hospital do most Livonia employees use?

Trinity Health Livonia Hospital on Five Mile Road, a Level II trauma center licensed for roughly three hundred beds. It was St. Mary Mercy Livonia until Trinity Health Michigan was formed in 2022, so older plan documents and provider directories may still carry the previous name.

Another broker services our plan. Is a CFH review still possible?

It is, and it is free. Nothing changes unless you decide it should. We will show a Livonia employer which parts of the increase are trend and which are claims, and whether the market can do better; if the price is already right, we will tell you.

Two payrolls squeezed into one plan design? Learn how switching to CFH works.

What We Need to Review a Livonia Plan

Please send the renewal letter, benefit summary, per-tier contribution and enrollment for your Livonia group, and two additional documents if you are at fifty or above. Planning to hire from recent local layoffs? Say so, and we will check waiting periods and entry dates. 248.370.8853 or info@cfhic.com.

Start the Review Email info@cfhic.com Call 248.370.8853

An independent employee benefits consulting firm. We look at the entire benefits program — cost, plan performance, risk and administration.

Michigan41000 Woodward Avenue, Suite 350 East
Bloomfield Hills, MI 48304
248.370.8853

Colorado13540 Northgate Estates, Suite 100
Colorado Springs, CO 80921
719.425.2649

Texas16365 Park Ten Place, Suite 182
Houston, TX 77084
281.404.5670

Employee Benefits for Livonia Plants and Health Care Offices