Employee Benefits Built for Michigan Businesses
Michigan-based independent benefits consultants specializing in ICHRA, self-funded health plans, ACA compliance, and group insurance — helping Charlotte-area employers attract and retain top talent.
Comprehensive Employee Benefits Solutions
Tailored group benefit programs for small and mid-sized Michigan employers — from ICHRA to self-funded plans. CFH Insurance Consultants delivers exclusive employee benefits expertise with no P&C distractions.
ICHRA & QSEHRA Plans
Individual Coverage HRAs and Qualified Small Employer HRAs offer Michigan employers a flexible, tax-advantaged alternative to traditional group coverage — giving employees the power to choose their own plans.
- Defined-contribution employer funding
- Employee plan portability
- ACA-compliant design
- Ideal for 1–50 employees
Self-Funded & Level-Funded Health Plans
Take control of health plan costs with self-funded or level-funded structures that provide employers with cash-flow predictability, greater plan transparency, and significant savings potential.
- Cost transparency and claims data access
- Stop-loss coverage protection
- Predictable monthly funding
- Suitable for 25+ employee groups
Group Health, Dental, Vision & Life Insurance
Comprehensive group benefit programs designed to attract and retain top talent in competitive Michigan markets. CFH designs competitive benefit packages tailored to each employer's workforce and budget.
- Carrier selection and plan comparison
- Employer and employee cost modeling
- Dental, vision, and life bundling
- Open enrollment support
Benefits Administration
Streamlined administration reduces HR burden and eliminates costly errors. CFH provides end-to-end management of enrollments, eligibility, billing reconciliation, and employee communications.
- Online enrollment platforms
- Eligibility and billing reconciliation
- Employee onboarding support
- Year-round HR resource access
ACA Compliance Consulting
The Affordable Care Act creates significant compliance obligations for mid-sized employers. CFH's team of CPAs and benefits attorneys guides Michigan businesses through reporting, pay-or-play mandates, and penalty avoidance.
- 1094/1095-C reporting support
- Applicable Large Employer (ALE) analysis
- Penalty exposure assessment
- Ongoing regulatory monitoring
HR & Benefits Technology
Modern benefits technology platforms align HR workflows with benefits administration — reducing manual effort, improving accuracy, and delivering a seamless experience for both HR teams and employees.
- HRIS and benefits platform integration
- Digital employee self-service tools
- Payroll system connectivity
- Data security and compliance standards
Every engagement begins with a no-obligation benefits assessment. Serving Charlotte, Bloomfield Hills, and employers throughout Michigan.
Schedule a Free Benefits AssessmentWhy Michigan Employers Choose CFH
17+ years of exclusive employee benefits expertise, a multidisciplinary team, and data-driven strategies that control costs and ensure compliance.
Founded 2007 — 17+ Years of Michigan Market Expertise
With roots established in 2007, CFH Insurance Consultants brings deep institutional knowledge of the Michigan employer landscape. Their long-standing presence in the market translates to proven strategies and durable client relationships.
Exclusive Employee Benefits Focus — No P&C Distraction
Unlike generalist brokers, CFH concentrates exclusively on employee benefits. This singular focus means every resource, insight, and relationship is directed toward optimizing employer benefit programs — not split across unrelated lines.
Multidisciplinary Team: CPAs, HR Experts, Attorneys & Chartered Financial Consultants
CFH's integrated team of Certified Public Accountants, Human Resources specialists, legal counsel, and Chartered Financial Consultants delivers holistic guidance that addresses plan design, tax strategy, regulatory compliance, and financial performance simultaneously.
Data-Driven Benefits Optimization
CFH leverages advanced analytics and claims data to identify cost drivers, benchmark plan performance, and engineer benefit structures that reduce employer spend while preserving — or enhancing — employee coverage quality.
24/7 Expert Support & Hands-On Education
Employers and their HR teams gain around-the-clock access to experienced benefits professionals and ongoing educational resources, ensuring confident decision-making through open enrollment, compliance deadlines, and beyond.
Michigan-Based Expertise
Serving Charlotte-area and statewide employers since 2007
Independent. Aligned. Exclusively Benefits.
As an independent broker with no carrier ownership, CFH's recommendations are driven entirely by employer outcomes — not insurer relationships.
Meet Your Benefits Team
A multidisciplinary team of CPAs, HR experts, attorneys, and Chartered Financial Consultants dedicated exclusively to employee benefits.
Senior Benefits Strategist
CPA, ChFC® | Principal Consultant
With over 17 years guiding Michigan employers through the complexities of group benefits, our principal consultant combines deep actuarial insight with financial planning expertise to design cost-effective, compliant benefits programs for manufacturers and professional services firms throughout Charlotte and greater Michigan.
Employee Benefits Counsel
J.D. | Benefits & ERISA Attorney
Our in-house benefits attorney brings rigorous ERISA and regulatory expertise to every client engagement. Specializing in self-funded and level-funded health plan structures, she ensures Michigan employers maintain full regulatory compliance while capturing meaningful cost savings — from ICHRA implementation to plan document review.
HR Technology & Administration Lead
SPHR | HR Benefits Director
A Senior Professional in Human Resources with deep expertise in benefits administration technology and workforce strategy, our HR lead helps Charlotte-area employers align their benefits programs with recruitment and retention goals — delivering seamless administration systems and employee communication frameworks that drive engagement.
A Full-Service Benefits Team — 28 Professionals Strong
Beyond the principals above, CFH's 28-person team includes enrollment specialists, compliance analysts, and dedicated client-service staff — all focused exclusively on Michigan employer benefits programs.
Trusted by Michigan Employers
See what Charlotte-area business owners and HR directors say about partnering with CFH Insurance Consultants.
“CFH Insurance Consultants transformed how we approach employee benefits. Their team identified cost-saving opportunities in our health plan design that we never would have found on our own. We reduced our benefits spend by nearly 18% while actually improving coverage for our staff. The compliance support alone has been worth every dollar.”
Patricia M.
VP of Human Resources
Midland Manufacturing Group
“As a growing professional services firm, navigating ACA compliance was overwhelming. CFH brought clarity and structure to our entire benefits program. Their advisors — CPAs, HR experts, and benefits specialists all in one team — gave us confidence that our plans are compliant and competitive. We've retained key talent because of the benefits packages they helped us design.”
James T.
Managing Director
Cornerstone Professional Services
“We transitioned to an ICHRA plan with CFH's guidance and the experience was seamless. They walked our HR team through every step — from plan design to employee communications. Our Charlotte-area employees now have more flexibility in their healthcare choices, and our administrative burden has dropped significantly. CFH is a true strategic partner, not just a broker.”
Sandra K.
Director of Operations
Great Lakes Healthcare Partners
Serving small and mid-sized employers across Charlotte, Bloomfield Hills, and throughout Michigan since 2007.
Let's Build a Better Benefits Program
Connect with our Michigan-based team today. We serve Charlotte, Bloomfield Hills, and employers throughout Michigan.
Contact Information
Phone
248.370.8853Email
info@cfhic.comHours
Monday – Friday: 8:30 am – 5:00 pm
After-hours support available
Request a Free Benefits Consultation
Share a few details about your organization and one of our Michigan benefits experts will follow up within one business day.
Ready to Optimize Your Employee Benefits?
Join Michigan employers who trust CFH Insurance Consultants for data-driven, compliance-forward benefits solutions.
Serving Charlotte, Bloomfield Hills, and employers throughout Michigan since 2007 — exclusively focused on employee benefits.