Michigan-Based Independent Benefits Consulting
Employee Benefits Built for Michigan Businesses
Independent benefits consulting for small and mid-sized employers in Oakland County and greater Michigan — call 248.370.8853 or email info@cfhic.com.
Comprehensive Employee Benefits Solutions
CFH Insurance Consultants delivers end-to-end employee benefits consulting for small and mid-sized employers across Oakland County and greater Southeast Michigan. Every engagement is built around the employer's specific workforce, budget, and long-term HR strategy.
ICHRA & QSEHRA Plan Design
CFH designs Individual Coverage HRAs and Qualified Small Employer HRAs that give Michigan employers control over healthcare spending while expanding employee choice — an ideal fit for small and mid-sized organizations seeking flexible, ACA-compliant alternatives to traditional group coverage.
Self-Funded & Level-Funded Health Plans
For employers in Oakland County and greater Southeast Michigan ready to move beyond fully-insured models, CFH structures self-funded and level-funded arrangements that reduce premium overhead, improve cash-flow predictability, and provide granular claims transparency.
Group Health, Dental, Vision & Life Insurance
CFH brokers comprehensive group benefit packages — medical, dental, vision, and life — engineered to help Michigan businesses attract and retain skilled talent in competitive sectors including manufacturing, healthcare, and professional services.
Benefits Administration
CFH streamlines enrollment, eligibility management, and carrier coordination so HR decision-makers can redirect time and resources to strategic priorities. Technology-aligned administration reduces error rates and keeps workforce data audit-ready.
ACA Compliance Consulting
Applicable Large Employers and growing mid-market companies face mounting federal reporting and affordability obligations. CFH's team — which includes attorneys and CPAs — delivers actionable compliance strategies that mitigate penalty risk and satisfy IRS and DOL requirements.
Data-Driven Benefits Optimization
CFH applies actuarial analysis and claims benchmarking to identify cost drivers, model plan design alternatives, and quantify the ROI of wellness initiatives — enabling Southeast Michigan employers to make confident, evidence-based benefits decisions year over year.
Whether navigating ACA obligations, evaluating self-funded alternatives, or designing a competitive benefits package for a growing workforce in the Berkley or Bloomfield Hills area, CFH provides the strategic guidance Michigan employers need.
Explore Your Benefits OptionsWhy CFH Insurance Consultants
A Multidisciplinary Team Focused Exclusively on Employee Benefits
Small and mid-sized businesses in Berkley, Michigan and throughout Oakland County deserve a benefits partner that brings genuine depth — not a generalist broker juggling a dozen product lines. CFH Insurance Consultants was purpose-built to address the unique workforce and compliance challenges facing Michigan employers.
Serving Oakland County & Southeast Michigan Employers
Independent employee benefits consulting — no P&C distractions
Multidisciplinary Expert Team
CFH Insurance Consultants fields CPAs, HR specialists, employment attorneys, and Chartered Financial Consultants — all working in concert to serve Michigan employers with integrated, technically rigorous benefits guidance.
100% Employee Benefits Focus
Unlike generalist brokers who divide attention across property, casualty, and other lines, CFH concentrates exclusively on employee benefits. Southeast Michigan employers receive undiluted expertise without competing priorities.
Data-Driven Benefits Optimization
Analytical rigor guides every recommendation. CFH evaluates utilization data, cost trends, and carrier benchmarks to design plans that control expense while meeting the workforce needs of businesses with 50 to 500 employees.
24/7 Expert Support
Benefits questions do not keep business hours. CFH provides around-the-clock access to knowledgeable consultants — ensuring HR decision-makers and business owners in the Oakland County area have timely answers when it matters most.
Hands-On Employer Education
Navigating ACA compliance, ICHRA rules, and self-funded plan mechanics is complex. CFH delivers structured education so Berkley-area employers and their HR teams understand their benefits programs and make confident, informed decisions.
Technology-Aligned Benefits Strategy
CFH aligns benefits administration platforms, carrier systems, and HR technology with a clear, sustainable strategy — reducing administrative burden and enabling Michigan employers to scale their benefits programs efficiently.
Our Track Record
17+ Years Serving Michigan Employers
Since 2007, CFH Insurance Consultants has delivered strategic, advisor-first employee benefits consulting to small and mid-sized businesses across Oakland County and Southeast Michigan — helping employers attract top talent, manage costs, and navigate complex compliance requirements with confidence.
2007
Year Founded
Established in Berkley, Michigan — serving employers across Oakland County and greater Southeast Michigan for nearly two decades.
17+
Years Serving Michigan
A trusted benefits consulting partner for small and mid-sized businesses throughout the Metro Detroit region and greater Michigan.
50–500
Employee-Range Clients
Specialized expertise for the middle-market employer — sophisticated benefits strategies scaled to fit your workforce and budget.
24/7
Expert Support Access
CFH Insurance Consultants' multidisciplinary team remains accessible around the clock — because compliance questions don't keep business hours.
Exclusively focused on employee benefits — no commercial property or casualty distractions.
CFH Insurance Consultants serves middle-market Michigan employers in manufacturing, healthcare, and professional services who need a specialized, multidisciplinary benefits partner they can rely on year-round.
Trusted by Michigan Employers
Small and mid-sized businesses across Southeast Michigan — from manufacturing floors in Oakland County to professional services firms in Berkley — rely on CFH Insurance Consultants for strategic, compliance-ready employee benefits solutions.
“CFH Insurance Consultants transformed how we think about employee benefits. They guided us through the ACA compliance maze and structured a level-funded health plan that cut our annual benefits spend by nearly 18% without reducing coverage quality. Our employees noticed the difference immediately — and so did our balance sheet.”
David R.
President & CEO
Oakland County, MI
“As an HR director managing benefits for 120 employees, I was overwhelmed by compliance requirements and escalating renewal costs. CFH brought clarity to a complex process. Their team — which includes CPAs and an attorney — reviewed our entire benefits structure and identified exposure we didn't know existed. They are a true strategic partner, not just a broker.”
Michelle T.
HR Director
Berkley, MI
“We switched to CFH after years with a generalist broker who never seemed to fully understand our needs as a professional services firm. The difference was immediate. CFH implemented an ICHRA strategy that gave our team flexible, portable benefits — and they handled the entire rollout with 24/7 availability throughout open enrollment. I cannot recommend them highly enough.”
James A.
Managing Partner
Southeast Michigan
CFH Insurance Consultants has served employers across Oakland County, Berkley, Bloomfield Hills, and greater Southeast Michigan since 2007 — exclusively focused on employee benefits, never distracted by property and casualty lines.
Common Questions from Michigan Employers
CFH Insurance Consultants helps small and mid-sized businesses across Berkley, Oakland County, and greater Southeast Michigan navigate the complexities of employee benefits. Below are answers to the questions our clients ask most.
Have a question not answered here? Our advisory team is available 24/7.
Request a Free Consultation
Ready to Optimize Your Employee Benefits?
Schedule a free consultation with CFH Insurance Consultants — serving Michigan employers since 2007. CFH helps small and mid-sized businesses in Berkley, Oakland County, and throughout Southeast Michigan design cost-effective, compliant employee benefits programs that attract and retain top talent.