Baldwin Richardson Foods
Updated Filing received by DOL
Baldwin Richardson Foods, a manufacturing — food & textile employer in Macedon, New York, reported 681 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $7.5M in insurance premiums across 4 contracts and $260,822 in broker commissions and fees, 1.9% of medical premium against a national median of 3.8% among plans that paid commissions in plan year 2024. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on July 7, 2026, before the deadline.
Who was paid on Baldwin Richardson Foods's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Baldwin Richardson Foods filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Gallagher · Arlington Heights, IL | $260,590 | $77 | $260,667 | 6 |
| Img · Indianapolis, IN | $0 | $155 | $155 | 1 |
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 |
|---|---|---|---|---|
| Excellus Blue Cross Blue Shieldhealth, prescription drug | 529 | $7.5M | $142,809 | 1.9% |
| Metropolitan Life Insurance Companydental | 1,010 | — | $18,562 | — |
| Vision Service Planvision | 659 | — | $2,040 | — |
| Prudential Insurance Company of Americalife, short-term disability, long-term disability | 709 | — | $97,411 | — |
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 Baldwin Richardson Foods 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.
Premium per covered person on medical contracts: $14,249 a year (national median $7,274).
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 476 | 681 | +43.1% |
| Premiums filed | $5,836,827 | $7,537,572 | +29.1% |
| Broker commissions + fees | $207,918 | $260,822 | +25.4% |
| Commission rate | 2.1% | 1.9% | −0.3 pts |
Source: DOL Form 5500 filings for plan years 2024 and 2025.
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 |
|---|---|---|---|---|
| Baldwin Richardson Foods Flexible Benefits Plan#501 · insurance, general assets | December 31, 2025 | July 7, 2026 | before deadline | 681 |
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 Baldwin Richardson Foods pay in health insurance broker commissions in 2025?
Baldwin Richardson Foods's 2025 Form 5500 reports $260,822 in broker commissions and fees across 4 insurance contracts ($260,590 in commissions, $232 in fees), with Gallagher receiving the largest share.
Is Baldwin Richardson Foods's health plan self-funded or fully insured?
The 2025 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Excellus Blue Cross Blue Shield.
How does Baldwin Richardson Foods's broker compensation compare with similar employers?
Baldwin Richardson Foods paid 1.9% of medical premium in commissions and fees. The median for employers with 500-999 participants is 2.7%, and the median in New York is 3.7%. Percentages are computed only on fully insured medical contracts with filed premiums.
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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.