Your service team

Account manager: runs the day-to-day and the renewal calendar.

The account manager is the seat you will speak to most. It owns the calendar — renewal dates, filings, notices, enrollment milestones — and the week-to-week work that keeps a benefits program from becoming a series of surprises. Strategy sets the direction; this seat makes sure it actually happens on time.

Ask what we would take off your desk

What it holds

Somebody has to own the dates. Here, it is a named person.

Almost every benefits failure we see is a date that passed while somebody was busy — and almost all of those dates run off your plan year rather than the calendar year, which is exactly why they get missed.

The compliance calendar

Filings, disclosures and employee notices mapped to your plan year, with the reminder arriving before the deadline rather than after it. Annual filings, reporting and the notices tied to enrollment all sit on one schedule.

The renewal timeline

What has to be gathered, when the market check goes out, and when decisions have to be made so enrollment is not compressed into a week. Working backwards from your effective date, not forwards from the renewal letter.

Open enrollment

Build, plan and rate entry, communications, sessions and follow-up for the people who did not open the email. Run as a project with a plan, because it is the one week a year every employee forms an opinion.

The calendar in full →

The ordinary week

The unglamorous work that prevents the expensive problems.

Eligibility and billing

New hires, terminations, life events and the carrier invoice reconciled against what the benefits platform and payroll each believe. Invoices disagree with enrollment more often than anyone expects, and the difference is money.

Carrier follow-through

ID cards that never arrived, a dependent added and then dropped, a policy change the carrier did not action. Chased to completion rather than reported back to you as an update.

Document control

Plan documents, summaries, notices and amendments kept current and in one place — so the version an auditor asks for is the version that exists.

Where the data actually breaks →

Why this seat matters most to HR

This is the seat that decides whether your week is quiet.

One number to call

You are not triaging between a carrier, a platform vendor and an account rep. The work comes here and gets routed internally.

Nothing waits on one calendar

Because the account is staffed as a team, an absence does not stop the work. That is the reason we work in service teams of five.

It is the same person next year

Continuity is most of the value in this seat. Somebody who remembers what was decided last year, and why, is worth more than a new introduction.

Come meet your new team →

Working here

We are hiring account managers.

If you read this page and recognized the job rather than the service, that is worth a conversation. Bloomfield Hills or remote, and pay is based on experience.

There’s no formal mentorship program here — just people who’ve done the job for years, sitting close enough to ask.

See the open positions →

Let’s get to work

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.

What to send

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.

CFH Insurance Consultants

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

Michigan41000 Woodward Ave, Suite 350 East
Bloomfield Hills, MI 48304
248.370.8853
ColoradoColorado Springs
719.425.2649
TexasHouston
281.404.5670

Book a 30-minute call