Employee Benefits Built for Michigan Businesses
CFH Insurance Consultants helps Burton-area small and mid-sized employers attract and retain talent with smarter, data-driven benefits strategies — since 2007.
Comprehensive Employee Benefits Solutions
CFH Insurance Consultants delivers end-to-end employee benefits expertise exclusively for small and mid-sized employers across Burton and the greater Michigan market. From plan design to compliance, every service is engineered to reduce cost and improve workforce outcomes.
ICHRA & QSEHRA Plan Design
CFH structures Individual Coverage HRA and Qualified Small Employer HRA arrangements that give Michigan employers maximum flexibility while keeping benefit costs predictable and compliant.
- Custom allowance structuring
- Employee class segmentation
- ACA affordability coordination
Self-Funded & Level-Funded Health Plans
For Burton-area employers ready to move beyond fully-insured premiums, CFH designs self-funded and level-funded health plans that unlock claims data transparency and long-term cost control.
- Stop-loss insurance placement
- Claims data analysis
- Third-party administrator selection
Group Health, Dental, Vision & Life Insurance
CFH brokers fully-insured group health, dental, vision, and life insurance plans from leading Michigan carriers — ensuring competitive rates and comprehensive coverage for workforces of 50 to 500 employees.
- Carrier market analysis
- Benefit-level benchmarking
- Open enrollment support
Benefits Administration
Streamlined benefits administration technology and expert support reduces the HR burden on Michigan employers — from enrollment management and eligibility tracking to carrier billing reconciliation.
- Technology platform selection
- Enrollment workflow automation
- Ongoing eligibility management
ACA Compliance Consulting
Applicable Large Employer reporting, affordability safe harbors, and penalty exposure analysis — CFH's compliance consultants keep Burton-area businesses ahead of evolving federal requirements.
- ALE status determination
- 1094/1095 reporting support
- Penalty risk assessment
Employee Benefits Strategy & Optimization
CFH's multidisciplinary team — CPAs, HR experts, attorneys, and Chartered Financial Consultants — delivers data-driven benefits strategy that aligns total compensation with recruitment and retention goals.
- Total compensation benchmarking
- Cost containment roadmap
- Vendor performance reviews
Serving manufacturing, healthcare, and professional services firms across Burton, Oakland County, and greater Michigan.
Explore all servicesWhy Michigan Employers Choose CFH
For over 17 years, CFH Insurance Consultants has served small and mid-sized businesses across Burton, Michigan and the greater Oakland County region — delivering strategic employee benefits guidance that reduces cost, ensures compliance, and helps employers compete for top talent.
Multidisciplinary Expert Team
CFH assembles CPAs, HR professionals, licensed attorneys, and Chartered Financial Consultants under one roof — giving Michigan employers a comprehensive advisory perspective that single-discipline brokers simply cannot match.
Data-Driven Benefits Optimization
CFH applies rigorous financial analysis to every benefits program — modeling plan costs, benchmarking against industry peers, and identifying opportunities to stretch employer dollars further while improving employee coverage.
100% Employee Benefits Focus
Unlike generalist agencies that split attention across property, casualty, and personal lines, CFH is exclusively dedicated to employer-sponsored benefits. That singular focus translates to deeper expertise and sharper outcomes for every client.
24/7 Expert Support & Local Presence
Headquartered in Bloomfield Hills and serving the Burton, Michigan market and greater Oakland County region, CFH provides around-the-clock access to dedicated consultants who understand the realities of Michigan's business and regulatory environment.
- CPAs & Financial Consultants
- HR Professionals & Attorneys
- 100% Benefits-Focused
17+
Years serving Michigan employers
Exclusively serving Michigan employers — no property or casualty distractions.
CFH's singular focus on employer-sponsored benefits means deeper expertise and more impactful outcomes for businesses in Burton and across the Michigan market.
Trusted by Michigan Employers Since 2007
For over 17 years, CFH Insurance Consultants has partnered with small and mid-sized businesses across Burton, Oakland County, and the greater Michigan region — delivering benefits strategies that attract talent, control costs, and maintain ACA compliance.
Founded in 2007, CFH Insurance Consultants has advised Oakland County and greater Michigan businesses through every shift in the benefits landscape.
A multidisciplinary team of CPAs, HR professionals, attorneys, and Chartered Financial Consultants — all focused exclusively on employer-sponsored benefits.
Deep expertise across Manufacturing, Healthcare, and Professional Services firms in Burton and throughout the greater Michigan market.
No P&C distractions. Every specialist, every resource, and every partnership is devoted entirely to group health, benefits strategy, and employer-sponsored plan advisory.
Exclusively Serving Michigan Employers
CFH Insurance Consultants operates from Bloomfield Hills, MI and serves manufacturing companies, healthcare organizations, and professional services firms throughout Burton and the greater Michigan market — with 100% focus on employee benefits advisory.
What Michigan Employers Say
Small and mid-sized businesses across Burton, Oakland County, and the greater Michigan region rely on CFH Insurance Consultants for strategic, employer-sponsored benefits guidance that delivers measurable results.
“CFH Insurance Consultants transformed how we approach employee benefits. Their team helped us transition to a level-funded plan that cut our premiums by a meaningful amount while expanding coverage options for our workforce. Their knowledge of the Michigan market and hands-on guidance through every step of the process was invaluable — we finally have a benefits strategy that supports our recruiting efforts.”
James R.
President & CEO
Precision Parts Manufacturing · Burton, MI
“As an HR director managing benefits for nearly 200 employees across our Oakland County facilities, I needed a consulting partner who understood both compliance complexity and cost containment. CFH's multidisciplinary team — including their benefits attorneys and financial consultants — gave us the confidence that our ACA compliance was airtight and our group health plan was optimized for our employee demographics.”
Sandra M.
Director of Human Resources
Great Lakes Healthcare Group · Genesee County, MI
“We had outgrown our previous broker and needed a firm that could handle ICHRA implementation alongside our traditional group benefits. CFH designed a benefits portfolio that allowed us to offer competitive coverage across multiple employee classes. Their responsiveness — including after-hours support — has set them apart from every other benefits consultant we have worked with over the past decade.”
David K.
Chief Operating Officer
Keller Professional Services Group · Michigan
Serving Michigan employers since 2007 — exclusively employee benefits.
Burton, Oakland County, and the greater Michigan region.
Common Questions from Michigan Employers
Burton-area and greater Michigan business owners often share the same questions when evaluating employee benefits strategies. CFH Insurance Consultants provides straightforward, expert answers.
An Individual Coverage Health Reimbursement Arrangement (ICHRA) allows employers to reimburse employees tax-free for individual health insurance premiums and qualified medical expenses, rather than sponsoring a single group health plan. Traditional group health insurance provides a standardized plan to all eligible employees. ICHRA offers greater flexibility — especially for Michigan employers with diverse workforces or variable staffing — because employees select the coverage that best fits their needs while the employer controls the contribution amount. CFH Insurance Consultants evaluates both options for Burton-area businesses to determine which structure delivers the most measurable value for each specific workforce.
Still Have Questions?
CFH's multidisciplinary advisory team is available to walk Burton-area employers through any employee benefits question — from plan design to ACA compliance — at no initial cost.
Schedule a Free ConsultationSpeak Directly with an Advisor
Phone
248.370.8853Email
info@cfhic.comOffice
41000 Woodward Avenue
Suite 350 East
Bloomfield Hills, MI 48304
Serving Burton, Oakland County, and employers throughout the greater Michigan market since 2007.
Topics Covered
Ready to Optimize Your Employee Benefits?
Schedule a free, no-obligation consultation with CFH Insurance Consultants today. CFH's Bloomfield Hills team has served Burton and greater Michigan employers since 2007 — delivering smarter, data-driven employee benefits strategies that help small and mid-sized businesses compete for top talent.