For Michigan Employers
An Employee Benefits Broker That Earns Its Commission
Group health, dental, vision, and compliance for mid-market employers — designed, negotiated, and managed by a team that includes CPAs, ERISA attorneys, and HR specialists.
No cost, no obligation. We will tell you if your current broker is doing fine.
If any of this sounds familiar, we should talk
Most employers do not leave their broker because of one bad year. They leave because the pattern never changes.
The renewal arrives in October
Your broker presents the increase as a finished fact instead of something that was negotiated months earlier.
One quote, one carrier
You are shown a single option and told the market was checked. You never see what else was available.
Compliance is your problem
ACA reporting, ERISA documents, and 5500 filings land on HR with no support until something goes wrong.
You hear from them once a year
No mid-year claims review, no budget forecast, no help when an employee cannot get a claim paid.
What we handle
We look at the entire benefits program — cost, plan performance, risk and administration. That breadth is the point.
Plan design and marketing
Group medical, dental, vision, life, and disability taken to market properly, with every viable carrier and funding option quoted side by side.
Funding strategy
Fully insured, level funded, self funded, and ICHRA modeled against your actual claims and census — not a rule of thumb.
Compliance
ERISA documents, ACA reporting, Section 125, COBRA administration, and Department of Labor audit preparation.
Benefits administration
Enrollment technology selected and implemented to fit how your team actually works, including multi-lingual employee support.
Claims and utilization review
Mid-year reporting so the renewal conversation starts in spring, not two weeks before the effective date.
Employee advocacy
Your people call us directly when a claim is denied or a card never arrives. That work does not land on HR.
Why employers move their business to CFH
The bench is unusual
CPAs, attorneys, HR practitioners, and certified financial consultants in house. Most brokerages your size outsource all four.
We show our work
You see every quote we received, what we asked for, and what the carrier said back. No summary slide standing in for the data.
Nothing changes for your employees
Changing brokers does not change carriers, networks, or ID cards. It changes who negotiates on your behalf.
They treat every one of our employees like family.
Get a second opinion on your renewal
Send us your current plan summary and renewal letter. We will tell you what we would have done differently, in writing, before you owe us anything.
Michigan office: 41000 Woodward Avenue, Suite 350 East, Bloomfield Hills, MI 48304
Or send us a note
Tell us your renewal month and how many employees are on the plan. We will come back to you with something useful, not a brochure.
CFH Insurance Consultants, LLC is an employee benefits and group health consulting firm. Offices in Michigan, Colorado, and Texas. This page describes services available to employer groups; it is not an offer of individual coverage.