At Cardwell Associates, we help employers cut benefits costs by an average of 20 percent while keeping the plan your employees already know and trust.
Every year feels the same. Costs climb, coverage shrinks, and the explanations make less sense. It is not that you are doing anything wrong. You just cannot see what is actually driving the waste.
50 employees in Maryland paying $500,000 in premium with $50,000 in HRA reimbursements. “Cardwell Associates saved us $92,500 in fully-insured premium without changing carriers and eliminated our HRA. We saved $142,500 in the first year!”
See your savings estimateYou do not need to overhaul your whole plan to save money. You just need to see where it is leaking and fix it before renewal season sneaks up again.
Stay with the network your employees already know and trust while trimming the waste that drives up costs every year.
Most clients see around 20% in savings right out of the gate. That is money you can put toward raises, growth, or fewer headaches.
More money in paychecks, less out of pocket when care is needed, and clear communication means employees stop grumbling and start bragging.
We know what it is like to run a business, manage rising costs, and still want the best for your employees. Every employer feels this pressure, and that is why we built a smarter way to handle benefits.
David has spent more than 40 years inside the system building strategies, fixing plans, and teaching other advisors how to stop repeating the same expensive mistakes. David is 10 years ahead of the trends. Strong data analytics and practical experience make him one of the nation’s leading insurance professionals of our time.
Michael brings nearly two decades of corporate leadership, team development, and operational experience to the world of employee benefits. He has worked with businesses of all sizes to design programs that reduce cost, improve coverage, and create a smoother benefits experience for employees and HR alike. His focus is strategic problem solving, clear communication, and helping employers make confident decisions about their plans without disruption.
150 employees, a non-profit in Maryland paying $1,500,000 in premium. “We saved $225,000 in premium and got back $250,000 in claims reserves at the end of the plan year!” That’s $475,000 in savings!
See your savings estimateMost companies assume saving money means lowering coverage. It does not. Whether you are fully insured, level funded, or self funded, Cardwell Associates has proven solutions that cut costs, improve coverage, and keep your trusted network intact.
Keep the familiar structure while controlling cost with better plan design, clearer strategy, and less renewal chaos.
Blend the stability of fully insured with the savings potential of self funded while gaining stronger visibility into claims trends.
Take deeper control of spend and outcomes with a structure built for long-term savings and strategic flexibility.
350 employees in South Central PA in a self-funded plan. “With Cardwell Associate’s Healthy Solutions, we lowered our claims by $560,000 in the first year and the employees got better coverage!”
See your savings estimateWe will talk through your goals, frustrations, and what is keeping you up at night about your benefits.
We compare your current setup to smarter options and identify where costs can come down without sacrificing quality.
We roll out a program that keeps your carrier, cuts costs by about 20%, and improves the employee experience.
Tired of guessing what your renewal is going to cost you? Let us talk. A short conversation can reveal where your money is going and how to start saving without disrupting your team.
Renewal should not feel like a surprise tax on your business. Cardwell Associates helps you turn renewal into a controlled, strategic process with predictable outcomes.
