2026 Stewardship Review · Prepared for Caruso Produce leadership

One Partnership. A Broader View of Caruso.

Built on years of trust in Property and Casualty, the HUB and Caruso Produce relationship is entering its next chapter with Employee Benefits now aligned under the same advisory partnership. Together we are building a more coordinated strategy to protect the business, support its people, and prepare for what comes next.

Last updated July 2026

Built on relationships, designed for the future.

For more than eighty years, Caruso Produce has grown through service, quality, communication, and long-term relationships. What began as a trusted Property and Casualty partnership has expanded to include Employee Benefits, giving Caruso a broader advisory team and a more connected view of operational risk, workforce needs, and long-term growth.

1944

Founded in the Pacific Northwest

Generations of family ownership

Warehouse locations

PNW

Regional reach across Oregon and Washington

Caruso Produce serves customers across the Pacific Northwest through a multigenerational distribution business supported by local farm relationships, global suppliers, modern refrigerated facilities, and a workforce that keeps product moving from warehouse to customer. Its operating model creates important intersections across property, fleet, workers' compensation, employee benefits, compliance, and workforce strategy.

Warehouse Locations

Canby · Redmond · Tukwila

Conventional, organic, and specialty fresh produce delivered across the Northwest.

From trusted P&C advisor to integrated enterprise partner.

Logan Haugen and Paul Quandt have led Caruso's Property and Casualty relationship with a focus on protecting operations, property, fleet, and people. In 2026, that relationship expanded when the P&C team introduced Samantha Bradley and HUB's Employee Benefits practice to Caruso's executive leadership. After a strategic review of Caruso's needs and HUB's capabilities, Caruso selected HUB to manage Employee Benefits moving forward.

Trusted P&C partnership

Logan and Paul lead the existing relationship, protecting operations, property, fleet, and people.

EB team introduced

Samantha Bradley and HUB benefits specialists meet with Caruso leadership.

Caruso selects HUB

Employee Benefits joins the relationship under the same advisory partnership.

One stewardship model

Property and Casualty and Employee Benefits align around a shared roadmap.

A meaningful expansion of the partnership.

The addition of Employee Benefits is more than a new line of coverage. It brings together the teams responsible for Caruso's operational risk and workforce strategy, reduces fragmentation, and creates a stronger platform for executive planning. The result is a relationship designed to support Caruso throughout the year, not only at renewal.

Property and Casualty

One HUB Partnership

Employee Benefits

A team structured around Caruso.

Caruso's HUB relationship is led by senior advisors who coordinate across Property and Casualty and Employee Benefits. Logan Haugen and Paul Quandt remain the primary P&C relationship leaders, while Samantha Bradley leads the Employee Benefits strategy and brings the broader benefits practice into the partnership.

Relationship Leadership

Logan Haugen

SVP, Commercial Lines · Team Haugen Lead

Executive relationship lead and Property and Casualty strategy.

Paul Quandt

Senior Vice President, P&C

Property and Casualty relationship and program leadership.

Samantha Bradley

Employee Benefits Lead

Strategic Employee Benefits leadership and executive planning.

Specialist and Account Support

Hayden Haugen

Associate Advisor, Commercial Lines

Account strategy and client support across the relationship.

Justin Ruddiman

Director of Financial Analytics

Experience reporting, projections, reserves, benchmarking, and funding analysis.

Matthew Moore

Director of Pharmacy

Pharmacy strategy, PBM analysis, utilization insight, and cost-containment support.

Ashley Morelock

Account Executive

Day-to-day service, enrollment coordination, compliance, communications, and carrier support.

Why the expanded relationship matters.

Presenting Property and Casualty and Employee Benefits as one coordinated partnership gives Caruso's leadership a clearer view of risk, workforce strategy, and upcoming decisions, managed together rather than in isolation.

One coordinated executive view

P&C and Employee Benefits can be reviewed through one broader relationship, giving leadership a clearer view of operational risk, workforce strategy, major decisions, and upcoming renewals.

P&C and EB intersections

The combined relationship coordinates workers’ compensation, disability, leave programs, claims advocacy, return-to-work strategy, and employee communication rather than managing each issue alone.

Specialist resources

Caruso gains access to dedicated financial analytics, pharmacy expertise, compliance support, account service, and executive benefits resources as needs are identified.

Year-round accountability

The relationship is supported by a defined stewardship rhythm, clear ownership, documented priorities, and proactive executive communication between renewals.

From proposal to action: the Employee Benefits commitments.

Program analysis and benchmarking

Review plan design, contributions, network alignment, funding structure, and cost trend to establish a verified baseline.

Financial and pharmacy analytics

Bring financial projections, reserve insight, utilization analysis, PBM expertise, and pharmacy strategy into renewal decisions.

Multistate compliance

Coordinate the Oregon and Washington compliance calendars, leave requirements, reporting obligations, and enrollment rules.

Open enrollment and communication

Support employee communications, meetings, enrollment execution, and clear education across locations and workforce groups.

Member claims advocacy

Help employees and HR navigate denied claims, billing issues, network questions, and carrier escalations.

Year-round strategic partnership

Maintain proactive touchpoints for regulatory changes, vendor performance, plan design, and emerging workforce needs.

The Employee Benefits transition and renewal.

Caruso's Broker of Record transition and the October 1 renewal are running concurrently. The phases below track the work from onboarding through the effective date.

Broker of Record effective

July 1

Benefit plan effective

October 1

Loading the Employee Benefits roadmap...

A living record

This overview reflects the current checklist and updates through the transition. Item-level owners, target dates, desk assignments, and comments are maintained in the shared tracker. Effective dates shown are subject to final confirmation.

A year-round relationship, not a renewal transaction.

The stewardship rhythm keeps the relationship active throughout the year, catches exposure and workforce changes before renewal, makes advocacy and completed work visible, and gives Caruso's leadership a clear path from analysis to decision. Property and Casualty and Employee Benefits move through the year on coordinated lanes.

Align

Property and Casualty

Confirm program summary, service contacts, claims status, open recommendations, and exposure changes.

Employee Benefits

Complete the transition, gather plan data, confirm contacts, service calendar, compliance needs, and immediate priorities.

Shared output

Integrated service map and action list.

Analyze

Property and Casualty

Review operations, locations, fleet, claims, risk controls, and upcoming business changes.

Employee Benefits

Establish the plan, financial, pharmacy, network, and benchmark baseline.

Shared output

Executive stewardship update.

Plan

Property and Casualty

Set carrier strategy, submission priorities, coverage objectives, and renewal timeline.

Employee Benefits

Develop funding, plan design, pharmacy, compliance, and communication recommendations.

Shared output

Unified decision framework.

Execute and report

Property and Casualty

Negotiate terms, present options, implement decisions, and document value delivered.

Employee Benefits

Manage renewal, enrollment, employee communication, and implementation.

Shared output

Renewal closeout and next-year roadmap.

Cadence

Each major touchpoint concludes with documented actions, owners, and timing. The P&C and Employee Benefits renewal calendars are confirmed before months or quarters are assigned.

What we have delivered, and what comes next.

Verified accomplishments are shown now. Measurable outcomes are added to the record as they are confirmed.

Relationship expanded

Employee Benefits added to the existing HUB partnership with Caruso.

Advisory team activated

P&C leadership and Employee Benefits specialists aligned around Caruso.

Custom strategy delivered

A tailored digital Employee Benefits strategy was presented to Caruso leadership.

Stewardship model established

The combined relationship is moving into a documented year-round service rhythm.

Future measurable outcomes.

Field	What we will measure	Status
Claims Advocacy	Cases supported, escalations resolved, and outcomes.	Measured over time
Cost Impact	Savings, cost avoidance, trend reduction, and funding impact.	Measured over time
Program Improvements	Coverage enhancements, plan changes, and network or pharmacy actions.	Measured over time
Risk and Compliance	Recommendations completed, audits, and compliance milestones.	Measured over time
Employee Experience	Enrollment, communication, engagement, and service metrics.	Measured over time
Renewal Execution	Timeline, market results, negotiations, and decision milestones.	Measured over time

Early priorities for the expanded partnership.

Establish the Employee Benefits baseline

Complete onboarding and confirm a verified program baseline across plan, financial, pharmacy, and compliance data.

Align the calendars and cadence

Confirm the P&C and Employee Benefits renewal calendars, key contacts, and executive meeting cadence.

Review the workforce-risk intersections

Review workers’ compensation, disability, leave, claims, and return-to-work intersections across both practices.

Identify the first measurable priorities

Set the first analytics, compliance, pharmacy, and service priorities for the year.

Prepare the first combined update

Deliver the first combined executive stewardship update and renewal roadmap.

One team. One strategy. Built for what comes next.

Caruso Produce has built its business by choosing partners who understand the value of service, communication, and long-term relationships. HUB's commitment is to make that partnership visible throughout the year, bringing the right people, data, and strategy together to protect both the company and the people behind it.

Logan Haugen

SVP, Commercial Lines · Team Haugen Lead

Executive relationship lead.

Paul Quandt

Senior Vice President, P&C

Property and Casualty leadership.

Samantha Bradley

Employee Benefits Lead

Employee Benefits leadership.