At this size it stops being an HR conversation.
Above 250 employees your CFO is in the room. Your plan is probably self-funded, or should be. Your stop-loss placement is worth real money.
And you likely have people in more than one state, which means more than one set of rules. The question is not whether your broker can get you a quote. It is whether they can sit across from your CFO with the claims data and defend a three-year plan.
The stop-loss is where the money is.
What is actually true
- Self-funding is usually the right structure. The real debate is about stop-loss levels, not whether to self-fund.
- Stop-loss should be marketed properly every year. Lasering, contract basis and aggregate attachment are where the money moves.
- Multi-state and multi-site employment brings state mandates, multiple networks and eligibility complexity.
- Eligibility files between payroll, benefits administration and the carrier are where large employers quietly lose money and patience.
What CFH does about it
- Market your stop-loss annually and show you the whole spread, not the one we like.
- Benchmark your plan against our survey of nearly 1,000 employers, so competitive is a number rather than an adjective.
- Cover multi-state populations directly — licensed in 26 states, with offices in Michigan, Colorado and Texas, and support for multinational benefits.
- Put the IT seat on your dedicated team of five to own eligibility files and payroll integration, and bring in our CPAs and ERISA attorneys when the question warrants it.
What employers your size ask us.
We are already self-funded. What is left to do?
Usually the stop-loss. It is the part most often rolled rather than marketed, and it is where a large employer’s easiest savings tend to sit.
We have staff in six states. Can you handle that?
Yes. We are licensed in 26, with offices in Bloomfield Hills, Colorado Springs and Houston, and we support multinational populations.
Are we not better off with a national firm?
National firms have the resources and hand you a service tier. With us you get five named people from a firm of 28, plus the benchmarking data and the compliance bench. Ask both what happens when you call in February.
Bring us your renewal and your stop-loss.
We’ll benchmark the plan, read the claims, and tell you what we’d market and why. No cost, and no obligation to move anything.
