hbg Insure

When your 50 employees join a master health plan with 10,000+ lives, one catastrophic claim doesn't move your rates. When your workers' comp experience gets pooled across the PEO's entire client base, one bad injury doesn't crater your mod.

A 60-person construction company had a $340,000 comp claim. Standalone, their mod would've jumped from 0.95 to 1.35—a 42% cost spike. Through their PEO? Renewal came in at 7.2%. That same year, a $275,000 cancer diagnosis got absorbed without a double-digit health insurance spike. Combined year-one savings: $83,000.

A 75-person precision parts manufacturer joined a PEO in 2023. Workers' comp claims dropped 40%. Health insurance trend: 6.8% vs. a 12% market average. Experience mod improved from 1.15 to 0.92. Total insurance savings: $127,000 in year one.

The math for that same 50-person fab shop:
- Without a PEO — $720,300+ in Total Cost of Risk. With a PEO — $635,000. Net savings: $85,300. ROI on the service fee: 118%.
- NAPEO puts average PEO ROI at 27.2% across thousands of companies. That's not a pitch—it's a researched average.

The businesses that come out of 2026 intact won't be the ones who found a cheaper broker. They'll be the ones who stopped treating health insurance and workers' comp as two separate headaches—and started managing them as one integrated risk problem.

The renewal notices are already hitting mailboxes across Pennsylvania, Ohio, Michigan, and North Carolina. The question isn't whether you can afford a PEO. It's whether you can afford to keep doing it the way you've been doing it.

WXPN …Is Going to Drop
Fat Mezz Album
Now 1 pm

A New Philly Player
Hockey Goalie
Samuel Ersson in his last 13 Starts: 9-2-2 , 2.06 GAA,. 924 SV%, 2 Shutouts
Lets Go Flyers !!

I have been Hack
Don’t Click on a Post about a dying Friend

Don’t Let The Truth get in the Way of a Good Story..The Warren Committee !! All time Greatest Fictional Story in History of America …

Happy Thanksgiving ..Comes as You Are !! From the Inside Out

Charity means to care enough about other people to really want to do something for them. A smile, a word of encouragement, a word of love, goes winged on its way…I pray that my day may be brightened by some little act of charity , Naturally

Best Foot Forward ..If you can lead with that ..You bound to walk Peacefully !!!

-Uncle Chris Pure Culture

In my many years on this earth, I have learned that when the Lord calls us home, we will go, no matter the struggle. No one can stop it. We have one life to live. The material things we invest in are left behind. Memories, therefore, are important to me. And so, I'm going to start a "reunion of friends". The idea is to see who reads a post without a picture. If no one reads my post, this will be a very short experiment. But if you are reading this message, make a comment using a single word about how we met. After that copy this message on your wall and I will also leave you a word. Please, don't leave a word and then not bother doing the second thing. Let’s go!!! You are all important to me!