How Do We Know Whether We Are Actually a Fit?
The honest test is whether the questions on this site sound like your situation.
We work with employers who want the benefits program looked at properly rather than renewed, and that is worth more to some organizations than others. A first conversation costs nothing and is the cheapest way to find out. If the answer is that your current arrangement is fine, that is a legitimate outcome and we will say so.
What Is Actually True About Fit
What Is Actually True
- Fit depends on whether you want the program examined, not on your industry or size.
- Employers who only want the lowest rate this year are often better served by a quote comparison alone.
- Employers who want advice, administration and a second opinion tend to stay.
- A short first conversation tells both sides most of what they need to know.
What CFH Does About It
- We tell you what we would look at and what it would take.
- We tell you if a simpler route would serve you better.
- We give you a written read you can keep whether or not you hire us.
- We keep the first conversation free of pressure.
Signs It Is a Fit
Four signs the work is likely worth it for you.
Nobody has examined the program as a whole in a while.
What we do about it: We start with a review.
HR or the owner spends too much time on benefit tasks.
What we do about it: We take on the recurring work.
The number does not match what you expected.
What we do about it: We take it apart and show you what moved.
New entities, locations or headcount are on the way.
What we do about it: We plan around the change.
Questions We Hear Before Employers Decide
What Does a First Conversation Involve?
A short call about what you have, what worries you and what you want. No documents are required.
What if We Are Happy With Our Broker?
Then a second opinion is still useful, and we will tell you if everything holds up.
What if We Are Too Small or Too Large?
Tell us the size. The work scales, and we will say if another route is better.
Are We a Fit: The Detail
A good fit is mutual. These are the signs that working together will serve you.
You Want an Advisor, Not an Order Taker
We work best with employers who want guidance on strategy and compliance. That means helping you weigh options, plan ahead for renewals and spot compliance questions early, not simply placing whatever is requested. Employers who like to ask why tend to get the most from the relationship.
You Value a Team
Service comes from a team, not a single contact. Coverage questions, billing issues and compliance deadlines do not wait for one person’s calendar, so employers who want dependable service tend to value having several people who know the account and can step in when needed.
You Are Open to a Second Opinion
Fresh eyes on a renewal often find something. A plan that has renewed the same way for years may carry assumptions no one has questioned in a while. An independent review does not require changing carriers, and it can confirm that the current arrangement is sound.
You Want Things Done Right
We care about accuracy and documentation. Employers who share this view like to see numbers checked against source documents and the reasoning behind a recommendation written down, so it can be followed later and revisited when staff change. That discipline also makes handoffs and audits smoother, whoever is on the account.
Common Questions About Fit
How do we know if we are a fit?
Talk with us. We will tell you honestly.
What kinds of employers do you work with?
Employers across industries and sizes. See our Who We Serve page.
What if we are very small?
Ask. Our size page explains how we think about it.
What if we are very large?
Ask. We will say whether we can help.
Do we need to switch brokers?
Not to get a second opinion.
What if we are happy with our broker?
Our second-opinion page covers that.
What happens in the first conversation?
We ask about your workforce, plan, and goals.
Is there a commitment?
Starting a conversation does not commit you to anything. We will explain what working together would involve.
How do we start?
Send your renewal or use the contact form.
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.
Switch to CFH. Unhappy with your broker? Your employees won’t notice. You will. →
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