Baker Distributing Corporation
Updated Filing received by DOL
Baker Distributing Corporation, a wholesale trade employer in North Clarendon, Vermont, reported 196 participants in its health and welfare plans for plan year 2024. Its Form 5500 shows $60,904 in insurance premiums across 2 contracts and $42,840 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on March 12, 2026, within the extension window.
Who was paid on Baker Distributing Corporation's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Baker Distributing Corporation filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Cross Benefit Solutions · Augusta, ME | $22,658 | $0 | $22,658 | 2 |
| Cross Insurance · Manchester, NH | $16,461 | $641 | $17,102 | 2 |
| James R Nelligan & Associates, LLC · Wall, NJ | $2,834 | $246 | $3,080 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2024, as published in EBSA's 2024 "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 |
|---|---|---|---|---|
| Standard Insurance Companylife, short-term disability | 203 | $60,904 | $12,825 | 21.1% |
| Cigna Health & Life Insurance Companyhealth, vision, prescription drug, PPO | 139 | — | $30,015 | — |
Source: DOL Form 5500 Schedule A, plan year 2024. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Baker Distributing Corporation 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.
Year over year
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 204 | 196 | −3.9% |
| Premiums filed | $1,283,274 | $60,904 | not comparable |
| Broker commissions + fees | $411,123 | $42,840 | −89.6% |
| Commission rate | 32.5% | — | — |
Source: DOL Form 5500 filings for plan years 2023 and 2024.
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 |
|---|---|---|---|---|
| Baker Distributing Corporation Medical/Hospital and Life Insurance Plan#501 · insurance, general assets | May 31, 2025 | March 12, 2026 | within extension | 196 |
| Baker Distributing Corporation Cafeteria Plan#503 · general assets | May 31, 2025 | March 12, 2026 | within extension | 123 |
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 Baker Distributing Corporation pay in health insurance broker commissions in 2024?
Baker Distributing Corporation's 2024 Form 5500 reports $42,840 in broker commissions and fees across 2 insurance contracts ($41,953 in commissions, $887 in fees), with Cross Benefit Solutions receiving the largest share.
Is Baker Distributing Corporation's health plan self-funded or fully insured?
The 2024 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Cigna Health & Life Insurance Company.
How does Baker Distributing Corporation's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Baker Distributing Corporation 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.