The first step is telling us the basics of your agency.
We start with a short conversation about your caregivers, payroll and goals.
Tell us who you are.
What Happens In This Step
We learn how many W-2 employees you have, how they are paid, where you operate and what you want a benefit to do for recruiting and retention.
We also ask about your budget so every option is realistic.
What You Get
A shortlist of plan types that fit your size and goals.
You will know what the application needs before you gather anything.
What this step needs and produces.
What We Need
Employee count, payroll basics and a rough idea of budget.
What You Get
A shortlist and a checklist of application documents.
How Long
Usually a single conversation.
Questions on this topic.
Short answers for agency owners.
Do we need paperwork first?
No. We start with a conversation and tell you what to gather.
Is there a commitment?
Starting the conversation does not commit you to a plan.
What if we are not sure we want coverage?
That is fine. We help you compare the cost with the value first.
General information, not legal or tax advice. Confirm the rules that apply to your agency with your attorney or tax advisor.
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. →
Cookies on This Site
We use cookies to keep the site working properly and to understand how it is used. You can decline anything that is not essential. See our Privacy Policy for the detail.
- Essential — needed for the site to load and for you to move around it. These cannot be switched off.
- Analytics — tell us which pages get read, so we know what is worth writing more of.
- Advertising — set by third parties such as ad and social platforms to measure and target campaigns.