17-Year Michigan Benefits Firm Targets Mid-Market Employers

CFH Insurance Consultants Expands Group Health Services for Michigan’s 50-500 Employee Market

Bloomfield Hills, United States – April 27, 2026 / CFH Insurance Consultants /

CFH Insurance Consultants, a Bloomfield Hills, Michigan-based independent benefits advisory firm, has formally expanded its employee benefits consulting practice to serve mid-market employers across Metro Detroit, Grand Rapids, and Lansing. The expansion, directed at companies with 50 to 500 employees, reflects the firm’s strategic decision to bring the same level of benefits analysis and plan structuring previously available to large corporations within reach of Michigan’s middle market.

A Michigan Firm Built on Independence and Credentials

Founded in 2007, CFH Insurance Consultants has operated for more than 17 years without carrier affiliations, a structural choice that allows the firm to evaluate plan options across the full market rather than within a limited carrier portfolio. That independence sits at the center of how the firm approaches group health insurance Michigan employers are now navigating in a more complex regulatory and cost environment.

The firm’s advisors hold credentials including the Certified Employee Benefit Specialist (CEBS), Group Benefits Associate (GBA), and Registered Health Underwriter (RHU) designations. CFH Insurance Consultants also maintains membership in the National Association of Health Underwriters (NAHU), aligning its practice standards with national benchmarks in benefits advisory.

“Mid-market employers in Michigan have been underserved by a brokerage model that prioritizes volume over analysis,” said Andrew Henze, Founder and Principal of CFH Insurance Consultants. “We built this firm over 17 years specifically to deliver the kind of sophisticated benefits strategy that helps a 100-person company make the same informed decisions a 5,000-person company can. This expansion formalizes that commitment across three major Michigan markets.”

A Multidisciplinary Team Addressing Benefits Complexity

The practice draws on a team that extends beyond licensed insurance professionals. CFH Insurance Consultants works alongside CPAs, human resources specialists, employment attorneys, and Chartered Financial Consultants to address the intersecting financial, legal, and compliance dimensions that mid-market employers face when structuring benefit programs.

That team structure is designed to support areas where regulatory complexity has increased substantially. ACA compliance remains a central service offering, with the firm providing employer mandate analysis, reporting support, and affordability calculations. CFH Insurance Consultants also structures level-funded health plans, an arrangement that allows employers to access claims data and potential surplus returns while maintaining more predictable monthly costs than traditional self-funded models.

The firm has added Individual Coverage Health Reimbursement Arrangement (ICHRA) and Qualified Small Employer Health Reimbursement Arrangement (QSEHRA) implementation to its service portfolio. Both mechanisms allow employers to fund employee health coverage through defined contributions rather than group plan participation, a model that has gained traction among employers managing variable workforces or multi-state payrolls.

Serving Metro Detroit, Grand Rapids, and Lansing

The geographic scope of CFH Insurance Consultants’ expanded practice covers the three largest business corridors in Michigan. Metro Detroit represents the firm’s primary base given the Bloomfield Hills headquarters, while the expansion into Grand Rapids and Lansing positions the firm to serve manufacturing, healthcare, professional services, and government-adjacent employers concentrated in those regions.

As an employee benefits broker Michigan mid-market companies are increasingly turning to for alternatives to fully insured group plans, CFH Insurance Consultants is also focusing on employers that have outgrown small-group products but lack the internal HR infrastructure to manage benefits strategy independently. The firm’s advisory model is structured to function as an extension of an employer’s internal team rather than a transactional vendor relationship.

Michigan Employee Benefits Consulting Grounded in Fiduciary Thinking

Michigan employee benefits consulting at the mid-market level has historically been dominated by firms that operate on commission structures tied to specific carriers. CFH Insurance Consultants has maintained a model that separates plan recommendations from compensation incentives, a distinction the firm positions as foundational to delivering objective plan analysis.

The firm’s engagement process begins with a benefits audit that evaluates current plan performance, cost trends, employee utilization patterns, and compliance status before any plan design work begins. For employers participating in level-funded arrangements, that audit includes claims experience review and stop-loss threshold analysis.

About CFH Insurance Consultants

CFH Insurance Consultants is an independent employee benefits advisory firm headquartered in Bloomfield Hills, Michigan. Founded in 2007, the firm serves employers across Metro Detroit, Grand Rapids, and Lansing with group health insurance plan design, ACA compliance consulting, level-funded plan structuring, ICHRA and QSEHRA implementation, and executive benefits planning. The firm’s advisory team holds CEBS, GBA, and RHU designations and includes CPAs, HR specialists, employment attorneys, and Chartered Financial Consultants.

Learn more at CFH Insurance Consultants