CFH Insurance Consultants has been independent since 2007.
Three hundred client organizations, twenty-six states, three offices. We look at the entire benefits program — cost, plan performance, risk and administration.
What the numbers actually mean.
Independent since 2007
Not a branch of a national brokerage and not owned by a carrier. Nobody upstream has a view on which carrier you should be with.
300 client organizations
Enough to see what carriers in this market are actually doing at renewal, which is what makes a benchmark worth quoting.
A team of benefits professionals
Small enough that your account is not a number, large enough that it does not depend on one person being reachable.
Service teams of five
For proper coverage of an account we work in service teams of five, rather than handing you one broker. The next section says who they are.
26 states
Michigan is home, but the license footprint follows clients as they hire across the country.
Three offices
Bloomfield Hills, Colorado Springs and Houston.
The second largest line on most budgets, treated that way.
What we place
Group health, dental, vision, life and disability, with the voluntary, spending-account and administration layers that sit around them.
How we look at it
We look at the entire benefits program — cost, plan performance, risk and administration. Most renewal conversations only cover the first of those four.
Five people, named, who know your plan.
Not a service tier and not a call center. The same five names, on your account, year after year.
Account executive
Owns the strategy and the renewal. The person who sits with you and your CFO when the numbers need explaining.
Account manager
Runs the account day to day. Carrier escalations, enrollment questions, the things that cannot wait for a quarterly meeting.
Plan analyst
Reads the claims and builds the models. The reason a renewal conversation starts with evidence rather than a rate.
Customer service
Where your employees go. ID cards, claims questions, provider look-ups — the volume that would otherwise land on HR.
Benefits technology
Eligibility files, enrollment systems and carrier feeds. The role most brokerages do not staff, and the one that prevents the most problems.
An extension of your HR team, not a broker you hear from at renewal.
Through the year
Claims read as they develop, compliance on a calendar set in advance, and a plan for two and three years out rather than one.
Specialists behind the team
Clients reach CPAs and ERISA attorneys through the firm when a question needs more than a brokerage answer.
Evidence, not assertion
Our benchmarking survey covers nearly a thousand employers. When we say something is competitive, there is a comparison behind it.
Bottom up, not top down.
The people doing the work decide what the work needs. Our teams choose the technology, the software and the outside services required to service an account — including bringing on more people — and the firm resources the decision rather than second-guessing it from a floor above.
Why it is set up this way
Nobody upstream of your account knows your plan better than the five people on it. Moving the resourcing decision away from them adds a delay and subtracts the judgment that should be making it.
What it means for you
When your plan needs a tool, a data set or another pair of hands, the answer arrives at the speed of the team carrying the account, not the speed of an approval chain.
Three things that do not change by account size.
None of this depends on how big your group is or how long you have been a client.
Coverage
An account is never one person’s job — for proper coverage of an account we work in service teams of five.
Ownership
The team closest to the account decides what it needs to run it, not a chain of approvals above them.
Proof
A renewal claim gets tested against your own numbers before it becomes advice, not the other way around.
Licensed insurance brokers. That is the claim, and it is the whole claim.
You will not find designations on this page that nobody here holds. What you get is a team of benefits professionals who do this full time, in a firm that has been independent since 2007.
Send us your renewal.
We’ll tell you whether it looks competitive, where we see opportunity, and the five questions we’d put to your carrier. No cost, and no obligation to move anything.
The renewal letter
Your current plan summary
Contribution split by tier
Enrolled counts by tier
Four documents — two more if your group is 50 or more. Nothing else; every extra one is a reason to postpone.
An independent employee benefits consulting firm. We look at the entire benefits program — cost, plan performance, risk and administration.
Bloomfield Hills, MI 48304
248.370.8853
719.425.2649
281.404.5670