About Us

RATECentric is led by a team of experts in the group insurance industry. Our leadership team’s experience, work ethic, and industry knowledge play an integral role in our clients’ success.

Roger Howell
Founder & CEO


Roger, a 38-year veteran of the employee benefit industry, is the visionary behind RATECentric and its software platform. His industry insights led him to create a “Paradigm” in the way a benefit case is quoted and processed in the small group insurance market.

As CEO, Roger provides the leadership, management, and vision necessary to ensure RATECentric’s growth.

Roger began his career working as a large case sales consultant for a national health insurance carrier and founded Howell Benefit Services, Inc. (HBS) in 1983, the longest standing employee benefit consulting firm in Northeastern Pennsylvania.

He also originated and is the President of the Northeastern Pennsylvania Business Association, Inc., an employer purchasing cooperative which includes the management of a fully-insured Multiple Employee Welfare Association (MEWA) which provides and administers small group benefit plans.

Roger is a member of the National Association of Health Underwriters and has completed its ACA certification requirement. Roger is also registered and certified on both the individual and SHOP Federal Marketplaces (Exchanges). He is licensed in all 50 states for the sale of life, accident, and health insurance products. He is member of the International Foundation of Employee Benefit Plans (IFEB) and formerly an adjunct instructor for the Certified Employee Benefit Specialist (CEBS) professional designation in conjunction with The International Foundation and the Wharton School of Business.

Donna Abdalla


Donna is a business professional with over 30 years of experience in information systems, management, operations, and human resources.

As President, Donna oversees the day-to-day operations and ensures all strategies are in place to achieve RATECentric’s mission.  Her focus is on the continuous development of RATECentric’s platforms and services and the success of a portfolio of client projects.

In her most recent position as Director of Project Management for Howell Benefit Services, Inc., Donna’s primary responsibilities were in the areas of project management and client relations while specializing in technology, human resource consulting and marketing. Her focus has been the management of the development of RATECentric’s benefit quoting and billing platform projects and the fulfillment of key stake holders’ interests.

Donna spent her earlier career in the energy industry where she held several leadership positions including Vice President of Corporate Human Resources for Southern Union Company overseeing HR strategy for a workforce of 5,000 employees and implementing an HR shared service platform with an Oracle-based HR and payroll system. She served as Secretary to the Board of Directors of Pennsylvania Enterprises, Inc., a public traded company on the Nasdaq Exchange, and as Vice President of Administration for PG Energy.   In this role, she was responsible for the operations and strategy of Information Technology, Human Resources and Corporate Communications which supported the Company’s 600 employees.

From a project management technology prospective, Donna’s breadth of experience spans over several company-wide initiatives such as Lawson and Oracle enterprise system conversions, execution of corporate-wide deliverables during mergers and acquisitions, and full-cycle client platform implementations.

Donna holds a Bachelor of Science in Business Management and an MBA with concentration in finance. She also possesses a Fair Gains Collective Bargaining Certification and a Master Certification in Project Management.


Jeannette Whitlock
Director of Client Relations


Jeannette has over 35 years of group insurance experience including several key client service management positions at Howell Benefit Services, Inc. and RATECentric. She began her career at Blue Cross of NE Pennsylvania where she held various customer service and marketing positions in group small business sales and service.

At RATECentric, as Director of Client Relations, Jeannette leads a customer success team that delivers superior customer service with focus on efficiency through technology and optimization of the customer lifecycle to help assist the company’s expanding growth. Jeannette’s focus is on building strong client relationships with producers and employers and ensuring a positive user experience with HBT’s technology platforms.

Jeannette’s passion and commitment for superior customer service is evidenced by RATECentric’s call center zero complaint rating.


Are you ready to put the RATECentric platform to the test?

Contact Us …to learn more, request information, or schedule a demo.