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Generated 02-11-2027 · 06:00 ET
Re-pull ID SN-NHB-02110-R
Bound from SN-NHB-06110-A
For: Dani M. · Mountain States · Commercial

Renewal in 120 days · T−120d

New Horizons Baking Company · Norwalk, OH

Re-pull enhanced by Core+

Renews in 120 days. 6 material changes since you bound.

You bound this account on 06-11-2026 from snapshot SN-NHB-06110-A. With the renewal mark 120 days out, Marvin re-ran the snapshot and diffed it against what you bound from. The verdict holds at High — but the mix moved. The OSHA citation that drove your WC pricing has settled and abated, while the open data-breach item has hardened into filed litigation with a now-public scope. Two new exposure-basis changes follow the company's Columbus expansion.

Renewal

120d

06-11-2027 · T−120d

Verdict

High

Held · 91% → 90% conf.

Material changes

6

2 eased · 4 to price

Re-pull sources

19

+2 since bind

Bound

06-11-2026

SN-NHB-06110-A

Renews

06-11-2027

Re-pull today · 02-11-2027

Where the file stands now

diffed against 1,240 bound data points

This is the renewal-prep re-pull you scheduled at bind. Marvin re-pulled every source behind SN-NHB-06110-A and compared it line-for-line against what you priced from eight months ago. Six values moved enough to matter at renewal. None of them flip the verdict — New Horizons is still a real, 59-year, multi-generational commercial bakery of growing scale — but four of the six change what you schedule and how you rate, and two of them ease the WC tail you loaded at bind. The detail, with each value shown at bind → now, is on the next two pages.

New Horizons Baking Company · SN-NHB-02110-R · Renewal-prep re-pull · T−120d Page 1 of 5

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What changed since you bound · 6 material changes

each shown at bind → now · every value cited

The open breach item is now filed litigation — and the scope is public. At bind, the Cactus-ransomware intrusion was a watch-item with scope "not yet public." Forensics and notifications have since closed: the incident exposed 9,476 individuals — names, Social Security numbers, dates of birth, government IDs, and medical/financial/HR records — with ~455 GB exfiltrated3. Multiple firms have moved from investigation to filed class-action claims naming the company and parent NHB Holdings, LLC7. This is the dominant new rate driver at renewal. Re-rate the cyber and management-liability / E&O layers against a quantified, in-litigation breach — not the unpriced unknown you carried at bind.

At bind · 06-11-2026Open investigation. Barnow Law scanning; scope and exposure not yet public.

→

Now · 02-11-2027Class actions filed. 9,476 affected, SSN + medical/HR exposed, 455 GB taken by Cactus.

The $394,849 OSHA citation settled and the repeat hazards are abated. The Dec 16 2025 citation — 3 repeat, 9 serious, 1 other-than-serious for lockout/tagout and machine-guarding — was the single biggest driver of your WC pricing at bind. It has since resolved through an informal settlement to $236,909 (a 40% reduction, consistent with the company's 2023 settlement pattern), with abatement of all three repeat items verified at the Columbus operation1. The escalation tail you loaded at bind has eased. Keep a repeat-offender loading on the WC layer — the history stands — but the open, unabated-citation premium can come off.

At bind · 06-11-2026$394,849 proposed · contested · 3 repeat LOTO items open. Priced into the WC layer.

→

Now · 02-11-2027Settled $236,909 · repeat items abated & verified · no new citations at the plant.

The named-insured graph has grown — your schedule is now incomplete. The bound snapshot resolved a single LLC. The breach disclosures and Core+ registry re-pull surface a fuller structure: parent NHB Holdings, LLC, plus New Horizons Food Solutions, LLC (the 2025 merger of the 2023 Coalescence and 2024 Graffiti Foods acquisitions — dry & liquid ingredient blending), Genesis Baking Company, LLC, and Metraco Transportation Company, LLC8 11. Update the named-insured schedule before quoting. Metraco Transportation in particular re-opens the motor-carrier exposure that the SAFER pull marked private/intrastate at bind — re-pull FMCSA on the Metraco USDOT, not just the bakery.

At bind · 06-11-2026One resolved entity: New Horizons Baking Company, LLC. FMCSA read as private/intrastate.

→

Now · 02-11-20275-entity group under NHB Holdings, incl. a transportation sub. Schedule + auto exposure to re-check.

New Horizons Baking Company · SN-NHB-02110-R · Renewal-prep re-pull · T−120d Page 2 of 5

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What changed since you bound · continued

exposure-basis movement · the company grew

The new Columbus plant is fully online — TIV is materially higher. At bind, the 2955 Charter St facility was an open "new TIV to confirm" item. It has since come online at scale: a 155,000 sq ft high-speed bun line plus a new pancake line (30,000 full-size/hr) and a 120,000 sq ft ingredient-blending facility, adding roughly 55 million dozen buns a year and a 250-mile service radius reaching toward Washington, DC9. Positive scale and contract-backed revenue — but more values to schedule. Pull current COPE and statement-of-values for the Columbus campus and rate the added TIV before quoting.

At bind · 06-11-2026New build address-validated, single-tenant; TIV unconfirmed, line not yet at capacity.

→

Now · 02-11-2027Two lines + blending plant operational; +55M dozen/yr capacity. Confirm & rate new TIV.

Headcount has grown past 700 — re-base WC and GL payroll. The Core+ Form 5500 pull at bind reconciled 539 H&W participants (2024 plan). The company now reports over 700 employees on the back of the Columbus startup9 12. The 2025 Form 5500 has not yet filed, but payroll and the public footprint both point the same way. Your exposure basis is stale by roughly a third. Re-base WC and GL payroll for the renewal term; expect a higher manual premium even before rate.

At bind · 06-11-2026251–500 est. · Form 5500 reconciled to 539 H&W participants (2024).

→

Now · 02-11-2027700+ employees reported. ~30% growth in the exposure basis since bind.

Ownership and leadership are unchanged and the financial read strengthened. Tilmon Brown remains 100% owner; CEO Trina Bediako (since 2020) continues the growth agenda, with Mike Porter as President/COO and Kurt Loeffler as CFO. Trade coverage of the Columbus build describes the company in "an enviable financial position" on the strength of its capital program9. No change to the strongest positive in this file — multi-generational, single-family continuity. The deeper management bench is a mild credit, not a caution.

At bind · 06-11-2026Brown 100% since 2014; Bediako CEO. Stable second-generation leadership.

→

Now · 02-11-2027Unchanged ownership; full C-suite confirmed; financial position reported strong.

Renewal trajectory · by axis

direction of travel vs. bind

Compliance · OSHA

↑ Eased

Citation settled & abated; keep a repeat-offender loading on WC, drop the open-citation premium.

Cyber · privacy

↓ Hardened

Breach now public, quantified, in litigation. The dominant new rate driver — re-rate cyber + mgmt-liability.

Exposure · scale

↑ Grew

New Columbus plant + 700+ headcount. Re-base TIV and payroll; positive revenue credit, more to schedule.

Entity · structure

↗ Expanded

5-entity group under NHB Holdings. Update named insured; re-pull FMCSA on Metraco.

Financial · ownership

→ Stable

Single-family continuity intact; financial read strengthened on the capital program.

New Horizons Baking Company · SN-NHB-02110-R · Renewal-prep re-pull · T−120d Page 3 of 5

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Underwriter note · renewal premise

1 note · carried into the renewal file

D. Chen · Sr. UW · Commercial Lines

02-11-2027 · 06:42 ET

Renew, re-rate, re-schedule. The account aged about how you'd want a good manufacturer to: the safety problem we priced for got fixed, and the business grew. The renewal story is no longer the OSHA tail — it's the cyber/management-liability layer, which is now a real, quantified, in-litigation exposure rather than the unknown we carried at bind. Net: hold the renewal, but reprice cyber + E&O, update the named-insured schedule for the new NHB Holdings entities, and re-base WC/GL exposure for the Columbus plant and the 700+ headcount. WC tail eases; keep the repeat-offender loading.

Before you quote the renewal

5 items · 1 done · 4 open

Re-rate the cyber + management-liability / E&O layers. Price against a quantified breach (9,476 affected, SSN + medical/HR, 455 GB) now in active class-action litigation — not the unpriced watch-item from bind. You · renewal pricing · highest priority
Update the named-insured schedule. Add NHB Holdings, LLC (parent), New Horizons Food Solutions, LLC, Genesis Baking Company, LLC, and Metraco Transportation Company, LLC. Confirm which entities the renewal policy should name. You · schedule · Core+ entity-resolution pack attached
Re-base WC & GL exposure for the Columbus campus and 700+ headcount. Pull current COPE and statement-of-values for 2955 Charter St; re-base payroll up ~30% from the 539-participant bind basis. You · exposure basis · request from broker
Re-pull FMCSA · SAFER on Metraco Transportation. The bakery's own authority read private/intrastate at bind, but a named transportation subsidiary changes the auto picture. Confirm the Metraco USDOT, fleet, and crash/inspection history. Marvin · one click · Core+ FMCSA pack
OSHA citation status reconciled. Informal settlement to $236,909 confirmed; all three repeat lockout/tagout items abated and verified; no new citations at the plant since bind. Marvin · done · Core+ Compliance · OSHA pack

How this re-pull works

point-in-time diff · not continuous monitoring

Marvin doesn't watch a bound account around the clock. Instead, at the renewal-prep trigger you set at bind — 120 days before the renewal mark — it re-runs the snapshot from scratch and diffs every source against the version you bound from. Each provider is re-pulled on its native cadence (government registries on event, adverse-media and web daily-to-weekly, firmographics weekly). A value is flagged material when it crosses an R6 risk threshold for the line, shifts a verification pillar by a tier, or moves the exposure basis. The six findings here are the material movers across 1,240 re-checked data points; everything else came back unchanged. Every claim resolves to a numbered source on the next page.

New Horizons Baking Company · SN-NHB-02110-R · Renewal-prep re-pull · T−120d Page 4 of 5

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Sources backing this re-pull

19 cited sources · re-pulled 02-11-2027. Every numbered marker resolves to a vendor record or public URL below. Sources new or changed since the bound snapshot are marked Δ.

marvin 2 SOURCES · REFRESH WEEKLY–QUARTERLY

[2]

Marvin · firmographic & leadership re-pull. Owner Tilmon Brown (100% since 2014); CEO Trina Bediako; President/COO Mike Porter; CFO Kurt Loeffler. Five-plant footprint, QSR customer model unchanged since bind. marvin · firmographic profile marvin-derived · refresh weekly · re-pulled 02-11-2027

[11]

Δ Marvin · entity resolution. Resolved the NHB Holdings, LLC parent and four affiliates (Food Solutions, Genesis Baking, Metraco Transportation) from breach-notice filings and registry records. EIN 31-1178698, 1.0 match confidence. marvin · resolve_entity marvin-derived · refresh quarterly · CHANGED since bind

records Core+ · 5 SOURCES · GOVERNMENT & REGISTRIES · REFRESH ON EVENT

[1]

Δ OSHA · establishment inspections (Columbus, OH). Dec 2025 citation resolved by informal settlement to $236,909; three repeat lockout/tagout items abated & verified. 2023 case ($36,833 → $18,417) on record as the settlement precedent. osha.gov/ords/imis/establishment.inspection_detail records catalog · OSHA public records · CHANGED since bind

[10]

U.S. DOL · OSHA enforcement release. Dec 16 2025 release documenting the original 3 repeat / 9 serious / 1 other-than-serious citation and $394,849 proposed penalty against the Norwalk, OH bakery. dol.gov/newsroom/releases/osha/osha20251216 records catalog · federal enforcement · refresh on event

[8]

Δ State AG · data-breach notifications. Notification filings (incl. Maine & Massachusetts AG) quantify the breach at 9,476 individuals; 12–24 months Cyberscout / TransUnion monitoring offered. Names the NHB Holdings entity group. state AG breach-notification portals records catalog · state regulator · NEW since bind

[12]

Form 5500 · ERISA benefit-plan filings. Bound basis was 539 H&W participants (2024). 2025 plan year not yet filed; headcount growth corroborated by trade coverage and public footprint pending the next filing. efast.dol.gov records catalog · ERISA filings · refresh on event

[13]

Δ FMCSA · SAFER motor-carrier registry. Bakery authority unchanged (USDOT 330709, private/intrastate). Re-pull queued on the newly-surfaced Metraco Transportation Company subsidiary to confirm fleet and crash/inspection history. safer.fmcsa.dot.gov records catalog · Core+ FMCSA pack · re-check queued

web 3 SOURCES · PUBLIC WEB & ADVERSE MEDIA · DAILY–WEEKLY

[3]

Δ Adverse media · breach scope & ransomware claim. Cactus ransomware group claimed ~455 GB exfiltrated (corporate + HR + financial + executive folders); intrusion 01-06 → 01-10-2025; 9,476 individuals notified beginning 08-27-2025. straussborrelli.com · breach investigation web · adverse-media scan · CHANGED since bind

[7]

Δ Litigation index · data-breach class actions. Multiple firms (Barnow & Associates, Strauss Borrelli, Federman & Sherwood, The Lyon Firm) moved from investigation to filed/consolidating class claims against the NHB Holdings entity group. classaction.org/data-breach-lawsuits web · litigation tracker · NEW since bind

[9]

Δ Trade press · Columbus expansion & growth path. 155,000 sq ft high-speed bun + pancake lines and a 120,000 sq ft blending facility (startup fall 2025); +55M dozen buns/yr; 700+ employees; "enviable financial position." commercialbaking.com · growth path web · industry press · NEW since bind

New Horizons Baking Company · SN-NHB-02110-R · 19 sources cited · End of re-pull Page 5 of 5