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      SUCCESS STORY: Designing Compensation Plans That Boost Performance A children's home in South Dakota understands the important role its employees play in empowering people and helping prevent, treat and heal those who are recovering from trauma. They wanted to offer competitive and equitable compensation to help attract, reward and retain talent. With HUB’s help, they developed a new employee compensation strategy, established job benchmarks and built and implemented a market-based, best practice pay program that rewards employees for performance, a key measure of productivity, and for years of service. SUCCESS STORY: Choosing Custom Over Default Formulary Wins A talent recruitment agency in Canada recognized that to be a leader in its industry, it had to demonstrate leadership in the health benefits it offered its own employees. Working with HUB, the agency developed its own formulary in conjunction with a third-party provider that reduced costs while meeting the needs of its employees. Plan sponsors should compare the value of choosing their own drug formulary over accepting the default formulary offered. SUCCESS STORY: Offering Personal Insurance to Ease Employee Financial Stress An organization with a workforce of more than 12,000 employees partnered with VIU by HUB to offer personal insurance options. Given the size and complexity of the organization, providing scalable yet tailored insurance was essential to meet the diverse needs of its employees. Accessing an omnichannel platform, 14% of eligible employees explored personal insurance quotes and more than 7% went on to become customers. Auto insurance was the most popular product, representing 50% of policies purchased, followed by tenant insurance at 23%. This collaboration demonstrates the value of VIU by HUB’s digital-first approach to insurance, making it easier for employees to find coverage that fits their individual needs and enhancing the organization’s overall benefits offering. HUB International 2025 North American Outlook Report | 18

      Outlook 2025: North American Report - Page 18 Outlook 2025: North American Report Page 17 Page 19