Employee Benefits Consulting
BETTER BENEFITS BY DESIGN
At Cardwell Associates, we help you cut your benefits costs by an average of 20 percent while keeping the plan your employees already know and trust.
SAVE 20% ON AVERAGE
KEEP YOUR CARRIER
PROVIDE BETTER COVERAGE
STOP LETTING YOUR BENEFITS BLEED MONEY
Every year feels the same. Costs climb, coverage shrinks, and the explanations make less sense. It’s not that you’re doing anything wrong. You just can’t see what’s actually driving the waste.
And the effects extend far beyond the balance sheet:
Renewal meetings feel like bad reruns.
Your broker swears it’s the best deal again (you suspect it’s not).
Employees quietly start looking elsewhere.
Raises and bonuses disappear into the plan.
You keep paying more just to stand still (or worse, go backwards).
25 Employees
CASE STUDY
Was fully insured, stayed fully insured, paying $250,000 in premium and paying $40,000 in HRA Reimbursements. Moved to the Cardwell Associate “Cost Containment Program” Saved $50,000 in premium, saved $40,000 on HRA Reimbursements and eliminated their deductible! $90,000 in savings!
Law Firm in Harrisburg, PA
TAKE BACK CONTROL OF YOUR BENEFITS
You don’t need to overhaul your whole plan to save money. You just need to see where it’s leaking and fix it before renewal season sneaks up again.
KEEP YOUR CARRIER
Stay with the network your employees already know and trust while trimming the waste that drives up costs every year without disruption to the employees.
SAVE REAL MONEY
Most clients see around 20% in savings right out of the gate. That’s money you can put toward raises, growth, or just fewer headaches.
MAKE EMPLOYEES HAPPY
More money in their paychecks, less out of pocket when they need care, and clear communication means your employees stop grumbling and start bragging about their benefits.
WE’VE BEEN IN YOUR SHOES
We know what it’s like to run a business, manage rising costs, and still want the best for your employees. We face the same renewals, the same benefit structures, and the same challenge of keeping good people. You’re not alone in this. Every employer feels the pressure. That’s why we built a smarter way to handle benefits.
Here’s why employers trust Cardwell Associates to make benefits work again.
We have 45 years of experience helping over 10,000 companies.
We boast an average client savings of 20%.
We’re trusted by national carriers who recognise that our approach keeps both employers and employees happy.
We regularly speak on industry stages about smarter funding strategies and how to turn benefits into a real business advantage.
We’ve seen what happens when employers finally take control. The numbers finally work, employees stop complaining, and renewal season no longer feels like groundhog day.
45+
Years of experience
10,000+
Employers helped
20%
Average savings
50 Employees
CASE STUDY
Was fully insured, staying fully insured, paying $500,000 per year in premium. Moved to the Cardwell Associate “Cost Containment Program” Saved $100,000 in premium and eliminated their deductible!
Engineering Firm in Columbia MD
A SMARTER PATH TO BETTER BENEFITS
Most companies assume saving money means lowering coverage. It doesn’t. 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.
FULLY INSURED PLANS
Eliminate your employees’ deductibles, save an average of 20 percent on medical premiums, and keep your same carrier while offering a more robust benefit plan. It’s the simplest way to improve coverage without disrupting what’s already working.
LEVEL FUNDED PLANS
Blend the stability of fully insured with the savings potential of self funded. Eliminate employee deductibles, save around 20 percent on premiums, keep your carrier, gain better insight into claims data, and benefit from any unused portion of the claims fund.
SELF FUNDED PLANS
For larger employers ready for more control, we build plans that show exactly where every dollar goes. Managing employee health becomes the key to lasting savings. Our proven program engages more than 90% of employees to improve their health and drive down costs while delivering stronger coverage.
150 Employees
CASE STUDY
Was fully insured, paying $1,500,000 per year in premium. Moved to level-funding and saved $200,000 in premium. Implemented “Healthy Solutions” (employee engagement to healthy lifestyle) save $50,000 in claims the first year $150,000 in claims the second year and $300,000 in claims the third year! Saved $200,000 in premium and $300,000 in claims, totally $500,000!
Non-Profit in Baltimore, MD
A SMARTER PATH TO BETTER BENEFITS
Most companies assume saving money means lowering coverage. It doesn’t. 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.
1
BOOK A QUICK DISCOVERY CALL
We will talk through your goals, frustrations, and what is keeping you up at night about your benefits.
2
REVIEW YOUR CURRENT PLAN
We'll dig into your existing setup and show you what’s working, what’s not, and what you can fix fast.
3
GET A BETTER BENEFITS PLAN
We’ll roll out a program that keeps your carrier, cuts your costs by about 20%, and makes your employees happier.
TALK TO A REAL PERSON ABOUT YOUR BENEFITS
Tired of guessing what your renewal is going to cost you? Let’s talk. A short conversation can reveal where your money is going and how to start saving without disrupting your team.
350 Employees
CASE STUDY
Was fully insured, paying $3,500,000 per year in premium. Moved to level-funding and immediately saved $500,000 in premium. Created a $1,400,000 claims fund for expected claims. At year-end, received a check back for $562,000 from the un-used portion of the claims fund!
Manufacture in Wellsville, PA
STOP LETTING RENEWAL SEASON DRAIN YOUR BUDGET
Every year it is the same show. A broker arrives with charts, a few buzzwords, and a best deal that somehow costs more than last year’s best deal. You nod, you sign, and somewhere deep down you know you have just agreed to pay more for less. Cardwell Associates exists for that exact moment, the one where you realize the system might actually be broken, not you.
We start by doing what most brokers do not, explaining where your money is really going. Then we show you how to keep the doctors and carrier your employees already like while cutting the fat that has been quietly draining your budget. No smoke, no mirrors, just clear numbers that make sense.
People often assume this kind of overhaul will be a nightmare. It is not. Our process fits neatly into your renewal timeline, and our team handles the technical parts so you can stay focused on running your business. Before long, you have a plan that works, costs less, and earns you genuine thank yous from employees.
The savings are nice, but the real win is walking into renewal season without that sinking feeling. You look at the numbers, see progress, and finally feel confident with your benefit strategy.
SEE HOW MUCH YOU’RE REALLY OVERPAYING
Run the numbers and find out what your estimated savings could be. Our no nonsense benefits savings calculator shows how much you could save without switching carriers or disrupting your employees. It takes just a few minutes and could change how you see your plan forever.
Get In Touch With Us
A short conversation could save you thousands and finally give you a benefits plan that makes sense. Stop guessing, stop overpaying, and start building a plan your employees actually appreciate.
Serving Area
Mid Atlantic
Many employers feel trapped by rising benefit costs. Cardwell Associates builds plans that save an average of 20% without changing your network, so you save money, increase benefits, and keep employees happy.
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