Atorias Baking Company
Updated Filing received by DOL
Atorias Baking Company, a manufacturing — food & textile employer in Gilroy, California, reported 168 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 3 insurance contracts with no premium reported and $29,922 in broker commissions and fees. The plan is fully insured (an insurance carrier pays claims). The Department of Labor received the filing on July 15, 2026, before the deadline.
Who was paid on Atorias Baking Company's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Atorias Baking Company filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| McKenzie Insurance Solutions LLC | $13,930 | $0 | $13,930 | 2 |
| Emerson Rogers LLC | $8,989 | $0 | $8,989 | 2 |
| Jennifer McKenzie - Bor · Morgan Hill, CA | $4,039 | $0 | $4,039 | 1 |
| Hauser Inc | $2,964 | $0 | $2,964 | 2 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2025, as published in EBSA's 2025 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| National Guardian Life Insurance Companydental, vision | 200 | — | $4,039 | — |
| Blue Cross of Californiahealth | 22 | — | $13,602 | — |
| Kaiser Foundation Health Plan Inchealth | 22 | — | $12,281 | — |
Source: DOL Form 5500 Schedule A, plan year 2025. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Atorias Baking Company compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Not computable: no insured medical premium on the filing.
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| Atoria's Baking Company Employee Benefits Plan#501 · insurance | December 31, 2025 | July 15, 2026 | before deadline | 168 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did Atorias Baking Company pay in health insurance broker commissions in 2025?
Atorias Baking Company's 2025 Form 5500 reports $29,922 in broker commissions and fees across 3 insurance contracts ($29,922 in commissions, $0 in fees), with McKenzie Insurance Solutions LLC receiving the largest share.
Is Atorias Baking Company's health plan self-funded or fully insured?
The 2025 filing indicates the plan is fully insured (an insurance carrier pays claims). Medical coverage is written by Blue Cross of California, Kaiser Foundation Health Plan Inc.
How does Atorias Baking Company's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Atorias Baking Company because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 100-199 participants that disclosed broker pay reported a median of $53,852.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.