About Cardwell Associates
HERE'S WHY WE DO WHAT WE DO
At Cardwell Associates, we believe employers deserve clarity, control, and a benefits plan that respects both budget and employees. The right plan does not just save money, it improves lives.
A SMARTER APPROACH TO BENEFITS
Most employers don’t wake up one morning thinking, “What I really want is to spend more money on a plan no one understands.” Yet somehow that is exactly where many end up. Renewal season rolls in, someone presents charts no one asked for, costs go up, coverage goes down, and everyone pretends that this is normal business behavior.
We are employers too. Just like you, we felt the impact of premium increases with little options. Years of consulting with large national employer groups provides us the resources to bring you those same large group strategies.
More than forty years later, Cardwell Associates exists for one simple reason. To help employers stop overpaying and start offering benefits that make sense. No upheaval, no confusing switches, no starting from scratch. Just a smarter approach that keeps your carrier, saves real money, and gives your employees coverage they actually value.
MEET DAVID AND MICHAEL
Cardwell Associates is led by David and Michael Cardwell, a team with decades of industry experience and the belief that benefits should actually benefit people.
David Cardwell
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 Cardwell
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.
WHAT MAKES US DIFFERENT
Most brokers show up once a year with a rate increase and a nervous smile. We do not. Leveraging our national resources, we can provide unique benefit tailoring that rolls back the clock on premiums.
You keep your network. You get transparency. You get real savings. And best of all, employees stop treating the benefits packet like a bad joke.
Employers choose us because the process is clear, the results are measurable, and renewal season finally feels like progress instead of déjà vu.
45+Years of experience
10,000+Employers helped
20%Average savings
WHAT MATTERS TO US
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.
CLARITY
If you need a decoder to understand your benefits, something is wrong.
SAVINGS WITHOUT SACRIFICE
You shouldn’t have to choose between protecting your budget and protecting your employees.
ACCESS THAT WORKS
Employees should be able to use their benefits without feeling like they are negotiating a hostage release.
PARTNERSHIP
We guide. You stay in control. Everyone breathes easier.
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.
Step 1
BOOK A QUICK DISCOVERY CALL
We will talk through your goals, frustrations, and what is keeping you up at night about your benefits.
Step 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.
Step 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.