I'd put my bet on the balance of the first 2. The company probably considers the insurance as your raise. It's been my experience that those in charge of wages assume we're pretty naive. They might toss you a buck or two, max $3.50.
Note: I have no experience in the IT field with regards to contract hirings. I'm just guessing.
Also, don't feel too shafted by your recruiting office. They have overhead too, and without them would you be where you are now?
Congratulations on your new permanent position!