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.

Macomb Township Benefits for Retail and Service Staff

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EMPLOYEE BENEFITS CONSULTING · MACOMB TOWNSHIP, MI

Macomb Township Benefits Consulting Along Hall Road and 21 Mile

Macomb Township is a large, fast-growing residential township of more than ninety thousand with no traditional downtown — development runs in subdivisions and strip commercial along Hall Road, 21 Mile and Romeo Plank rather than around a historic core. Four school districts carve up the township, and the working population commutes outward to the Macomb auto-manufacturing corridor.

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Rooftops and Retail Means Variable Hours

The employment that actually sits inside the township is heavily retail, food service and consumer services along the Hall Road and 21 Mile corridors. That brings part-time schedules, real turnover and a wage level where the payroll deduction decides whether anyone enrolls.

For that workforce the benefits questions are eligibility and affordability rather than plan richness. A written look-back measurement period settles who is full time, and a genuinely low-deduction plan option converts waivers into enrollment without costing the employer more.

Four School Districts, No Single Anchor

Chippewa Valley, L’Anse Creuse, Utica Community Schools and New Haven Community Schools all operate schools here, though their administrative offices sit in neighboring communities. Together with township government they are the largest on-site employers.

For the year-round side of benefits cost, read about our health and cost strategy.

For a private employer that has a practical consequence: your staff live across a wide area and use providers across two counties. Network breadth is usually worth more than tiering toward a single system.

Structures for a High-Turnover Payroll

Fully Insured When History Is Thin

With heavy turnover and little claims history, a fixed rate with no claims exposure is the safer choice for many Macomb Township employers. We will tell you when that is the case.

Level-Funded for Stable Locations

A healthy group with stable enrollment gets its own experience at a fixed monthly cost. Check how the contract handles a mid-year headcount change.

Two Plans, One Low-Cost

A richer plan alongside a low-deduction plan lets a mixed workforce self-select. In a high-turnover population it lifts participation more than a contribution increase.

Contributions by Employee Class

Fund management and hourly staff at different rates inside one plan, documented properly, rather than overfunding everyone to reach one group.

Rules for Retail and Service Employers

Look-Back Measurement for Changing Hours

Retail and restaurant staff with shifting hours need a written look-back measurement, administrative and stability period, and it is the document we most often find missing.

Affordability for Hourly Wages

Affordability is judged on the lowest-paid full-time employee, and in a Hall Road retail or food-service payroll that is exactly where plans fail it.

Several Locations, One Count

Full-time equivalents in every commonly owned business count toward the mandate, so three storefronts under one owner are counted together.

The Cafeteria Plan in Writing

Taking premium out pre-tax requires a written Section 125 document, which many small retail employers never put in place.

Plan Questions From Macomb Township Employers

With this much turnover, should we offer coverage at all?

Usually, yes, if the design fits. A low-deduction plan, a real waiting period and a written measurement process serve a high-turnover staff better than a rich plan few people stay long enough to use.

Our three stores have one owner. Are they counted together?

Almost certainly, both for the fifty-employee count and for nondiscrimination testing. It catches multi-location owners off guard more than any other rule.

Who Employs Macomb Township

Ninety Thousand Residents and No Downtown

Macomb Township had 91,663 residents at the 2020 census, up from 79,580 in 2010 and following a roughly forty-eight percent increase over the 2000s — one of the fastest-growing communities in the state. Four school districts operate schools in the township: Chippewa Valley Schools, L’Anse Creuse Public Schools, Utica Community Schools and New Haven Community Schools, with all four headquartered in neighboring communities. Township government on Broughton Road runs the assessor, supervisor, treasurer and clerk offices, parks and recreation and the fire department. There is no traditional downtown and no hospital in the township; Henry Ford Macomb Hospital in Clinton Township, with 361 beds, is the closest full-service facility, with McLaren Macomb in Mount Clemens about seven miles south and Henry Ford Warren also within reach.

No Hospital, No Downtown

Employees use Clinton Township and Mount Clemens facilities. Network breadth across Macomb County matters more here than tiering toward one system.

Manufacturing Sits Just Outside the Township

The auto and defense corridor sits in Sterling Heights, Warren and Clinton Township. Your census still moves with their schedules even though the plants are elsewhere.

Four Districts, Four Calendars

Staff with school-age children here follow four different district calendars. A small thing, but it shapes summer staffing and time-off patterns.

Macomb County Cities Near the Township

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

Quick Answers From the Macomb Township Area

Will CFH take on Macomb Township companies?

Yes. Macomb Township retailers, restaurants, service firms and other employers 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. We usually begin with the current plan and renewal.

How should we treat staff whose weekly hours keep changing?

Put a look-back measurement period, an administrative period and a stability period in writing. Together they decide who counts as full-time under the employer mandate and for how long; handling it informally is how eligibility disputes and penalty exposure start.

Can CFH review our renewal while another broker has the plan?

Yes. It costs nothing and changes nothing unless you want it to. We will show a Macomb Township employer what the increase is made of and whether another option prices better. If the program is priced correctly, we will say so.

Half your staff waiving the plan? See how switching to CFH works.

Send Us Your Macomb Township Plan Renewal

Send the Macomb Township renewal, plan summary, contribution and enrollment by tier, and two more documents at fifty or above, plus how many employees waived coverage. We will show what is driving the number and how to turn waivers into enrollment. 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 Macomb Township Retail and Service Employers