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The PAISBOA Health Benefit Trust (HBT) is a consortium of independent schools, colleges, and universities within the state of Pennsylvania. The sole focus of the HBT is to provide high-quality health plans at affordable rates. Members enjoy savings, stability, and innovative programs through scale and collaboration. The PAISBOA HBT is a self-funded entity, organized as a Multiple Employer Welfare Association (MEWA). While the HBT was established by and exists for the benefit of its member institutions, it is governed by a dedicated Board of Trustees who are elected by the members to ensure that the needs of all of the enrolled participants are represented.
DUAL North America is a prominent independent underwriting organization based in the United States, part of the global DUAL Group. Established in 2013, it has become a leading program administrator in the insurance sector. The company operates under the Howden-owned DUAL Group, which is recognized as one of the largest managing general agents worldwide, with a presence in 21 countries and over $3.5 billion in gross written premium. The company specializes in expert underwriting solutions across various insurance lines, including commercial property, casualty, financial lines, and surety. DUAL North America offers more than 40 unique products tailored to meet diverse client needs. It also features a robust online platform that enables appointed producers to quote, bind policies, and manage documents digitally. With a network of over 11,000 brokers globally, DUAL North America serves a wide range of clients, from small businesses to large fleets, particularly in regions like California and Texas.
TD Bank Group is a prominent North American financial services institution, operating as Toronto-Dominion Bank in Canada and TD Bank, N.A. in the U.S. Headquartered in Toronto, Canada, it serves over 27 million customers through a wide range of retail, commercial, and investment banking services. Founded in 1855, TD has become one of Canadas "Big Five" banks and ranks among the top-10 global banks by market capitalization, with assets exceeding C$1.9 trillion. The bank offers various services, including personal and business banking, wealth management, and capital markets. Retail banking services encompass checking and savings accounts, mortgages, and credit cards, while commercial banking includes business loans and cash management. TD also provides investment advisory and insurance products through its wealth management division. With a strong digital presence, TD offers mobile banking and AI-driven financial tools. Its U.S. operations feature over 1,100 branches, emphasizing convenience and tailored solutions for retail customers, small businesses, and institutional clients.
Hanon Systems is a global provider of automotive thermal and energy management solutions, based in Daejeon, South Korea. Founded in 1986 as Halla Climate Control Corp. through a joint venture between Ford Motor Co. and Mando Machinery Corporation, the company has grown to serve nearly all major automakers. As of 2025, it operates as a subsidiary of Hankook & Company Group, alongside its other core portfolios in tires and batteries. The company specializes in optimizing vehicle performance and occupant comfort through advanced thermal management technologies. Its product offerings include HVAC systems, thermal management components like compressors and cooling modules, and energy efficiency solutions aimed at reducing emissions and improving air quality. Hanon Systems has expanded its capabilities through strategic acquisitions, enhancing its position in the automotive industry. With over 50 facilities worldwide, the company is committed to providing electrification-ready solutions that support the shift toward sustainable mobility.