Those companies that are committed to data-driven decision-making report using analytics to improve individual outcomes, streamline costs and understand claims trends. Early adopters also used analytics, like HUB Workforce Persona Analysis, to analyze their workforce demographics and tailor benefits to meet the unique needs of multiple generations. How Your Broker Can Help: Analytics Organizations that are already leveraging analytics will be best positioned to take advantage of these new capabilities. Here’s a few examples of what the future state of analytics holds. • Combining disparate data sets from medical and retirement benefits to better understand employee financial stress and offering resources to support individual needs. • Incorporating data from employee questionnaires to identify financial stressors (i.e., student loan debt and caregiver responsibilities). • Measuring and driving engagement. • Predicting future trends and impacts on benefits plan. 21 | HUB International 2025 North American Outlook Report