Employee Benefits Built for Michigan Businesses
CFH Insurance Consultants — Marshall, MI's trusted independent broker for group health, ICHRA, self-funded plans, and ACA compliance since 2007.
Comprehensive Employee Benefits Solutions
From group health to innovative HRA strategies, CFH Insurance Consultants matches Marshall, Michigan businesses with the right plan — delivering measurable value for small and mid-sized employers and their teams.
Group Health, Dental, Vision & Life Insurance
Comprehensive group coverage options designed to attract and retain top talent at Marshall-area businesses — scaled to fit SMB budgets without sacrificing employee satisfaction.
- Fully-insured and alternative funding models
- Multi-carrier comparison and plan selection
- Dependent and family coverage strategies
ICHRA — Individual Coverage HRA
Give employees the freedom to choose their own individual health plans while the employer controls costs through tax-advantaged reimbursements — ideal for Michigan businesses of any size.
- No minimum or maximum contribution limits
- Compatible with individual marketplace plans
- Replaces or supplements traditional group coverage
QSEHRA — Qualified Small Employer HRA
Purpose-built for small businesses in Marshall, MI with fewer than 50 employees — QSEHRA allows owners to reimburse employees for individual premiums and medical expenses tax-free.
- IRS-compliant reimbursement structure
- Flexible design for teams under 50 employees
- Reduces employer premium burden significantly
Self-Funded & Level-Funded Health Plans
Mid-sized Michigan employers can move beyond traditional fully-insured models to capture cost savings, gain data transparency, and better manage long-term health spend.
- Stop-loss protection to cap catastrophic claims
- Access to claims data for cost optimization
- Level-funded options for predictable monthly cash flow
ACA Compliance Consulting
Avoid costly ACA penalties with hands-on compliance guidance from CFH's in-house legal and HR experts — ensuring your benefits strategy meets all federal and Michigan regulatory requirements.
- Employer mandate tracking and reporting (1094/1095-C)
- Affordability calculations and safe harbor strategies
- Ongoing compliance education for HR teams
Benefits Administration
Streamline open enrollment, employee onboarding, and ongoing plan management with dedicated administrative support — freeing your HR team to focus on people, not paperwork.
- Technology-enabled enrollment platforms
- Employee education and communication support
- Year-round plan management and renewals
Not sure which solution fits your business? Our advisors guide Marshall-area SMBs to the right benefits strategy.
Explore Your OptionsWhy Michigan Businesses Choose CFH
A multidisciplinary team — CPAs, HR experts, attorneys, and Chartered Financial Consultants — exclusively focused on employee benefits for small and mid-sized businesses throughout Marshall, Michigan and the surrounding region.
A dedicated team serving Marshall, MI employers since 2007
Exclusively Employee Benefits
CFH Insurance Consultants does not offer property and casualty products. That singular focus means SMB clients in Marshall, MI receive unrivaled depth — not a generalist broker's divided attention.
Multidisciplinary Expert Team
CFH brings together CPAs, HR professionals, attorneys, and Chartered Financial Consultants — a depth of expertise rarely found under one roof — to design employee benefits strategies that hold up under financial, legal, and operational scrutiny.
Exclusively Employee Benefits
Every member of the CFH team is dedicated solely to employee benefits. There are no P&C distractions, no divided focus — just specialized, undivided attention on the plans that protect your workforce and your bottom line.
Data-Driven Cost Optimization
CFH applies rigorous analytics to identify plan inefficiencies, benchmark your spend against industry peers, and recommend alternatives — group health, ICHRA, QSEHRA, or self-funded structures — that deliver measurable savings for Marshall-area SMBs.
17+ Years of Michigan Market Expertise
Founded in 2007, CFH Insurance Consultants has spent more than 17 years building deep knowledge of Michigan's insurance landscape. That local tenure translates into carrier relationships, regulatory insight, and community trust that newer brokers simply cannot match.
24/7 Support for Employers and Employees
Benefits questions do not keep business hours. CFH provides around-the-clock access to expert guidance for both HR leaders and enrolled employees — reducing administrative burden and ensuring your team gets answers when they need them.
Hands-On ACA Compliance Guidance
Navigating the Affordable Care Act's employer mandate, reporting requirements, and penalty exposure is complex. CFH's in-house compliance experts work alongside your HR team to simplify obligations, prevent costly errors, and keep your business confidently compliant.
Ready to see how CFH's focused expertise benefits your business?
Request a Free Benefits ConsultationTrusted by Marshall, MI Businesses Since 2007
17+ Years of Michigan Benefits Expertise
CFH Insurance Consultants brings focused, independent employee benefits guidance to small and mid-sized businesses across Marshall and greater Michigan — combining analytical rigor with accessible, round-the-clock support.
2007
Founded in Michigan
Over 17 years serving Marshall, MI businesses
17+
Years of Benefits Expertise
Deep knowledge of group health, ICHRA, and ACA compliance
24/7
Expert Support Available
Around-the-clock guidance for employers and employees alike
100%
Employee Benefits Focus
Exclusively dedicated to employee benefits — no distractions
Exclusively employee benefits — no property & casualty, no distractions.
SMBs in Marshall, Michigan trust CFH because our entire practice is built around group health, ICHRA, ACA compliance, and benefits strategy — nothing else.
Client Testimonials
What Michigan Business Owners Say
Employers across Marshall, MI and beyond trust CFH to protect their teams and control benefits costs.
"CFH completely transformed how we manage employee benefits. They took the time to understand our budget constraints and found us a self-funded plan that reduced our premium costs significantly while keeping our team well-covered. Their expertise in ACA compliance alone saved us from costly penalties."
Sandra K.
HR Director
Mid-Michigan Manufacturing Co. • Marshall, MI
"As a small business owner, navigating group health insurance felt overwhelming until we partnered with CFH. They walked us through every option — ICHRA, level-funded plans, traditional group coverage — and helped us choose the right solution for our 28 employees. Responsive, knowledgeable, and genuinely invested in our success."
Thomas R.
President & Owner
Calhoun County Services • Marshall, MI
"We had been overpaying for benefits for years before CFH audited our plan. Their multidisciplinary team — including their in-house legal experts — identified compliance gaps and restructured our benefits package to improve coverage and cut costs. Our employees are happier and our bottom line reflects it."
Michelle D.
Chief Operating Officer
Great Lakes Distribution Partners • Battle Creek, MI
Serving small and mid-sized businesses throughout Marshall, Michigan and the greater Calhoun County region since 2007.
ACA Compliance Made Simple
Stay compliant, avoid penalties, and empower your HR team with hands-on guidance from our in-house legal and compliance experts.
ACA Reporting & Filing Support
CFH's in-house compliance specialists manage employer reporting obligations — Forms 1094-C and 1095-C — so Marshall, MI business owners meet every IRS deadline with confidence.
Penalty Avoidance Strategy
Employer Shared Responsibility penalties can reach thousands of dollars per employee. Our proactive strategy identifies risk gaps before they become costly violations for your business.
Benefits Administration Technology
We connect small and mid-sized employers with modern benefits administration platforms that simplify enrollment, eligibility tracking, and compliance recordkeeping — reducing HR burden substantially.
HR & Employee Education Programs
Informed employees make better benefits decisions. CFH delivers structured education sessions and on-demand resources that help your workforce understand their coverage and use it effectively.
ACA Compliance Checklist for Marshall, MI Employers
- Applicable Large Employer (ALE) status determination
- Minimum Essential Coverage (MEC) verification
- Affordability threshold analysis and monitoring
- Open enrollment compliance documentation
What CFH Monitors on Your Behalf
For small and mid-sized businesses across Marshall and southeast Michigan, ACA compliance involves more than annual filings. CFH maintains ongoing oversight across each of these critical areas:
CFH Insurance Consultants serves HR leaders and business owners across Marshall, MI and greater southeast Michigan. Schedule a no-obligation compliance review with our team.
Request a Compliance Review
Ready to Optimize Your Employee Benefits?
Call or contact CFH Insurance Consultants today for a free benefits consultation. No P&C — just expert, focused employee benefits guidance for small and mid-sized businesses in Marshall, Michigan.