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Relativity6 · Underwriting Snapshot
Generated 06-11-2026 · 14:33 ET
Snapshot ID SN-NHB-06110-A
For: Dani M. · Mountain States · Commercial
Fresh snapshot
New Horizons Baking Company · Norwalk, OH
Information enhanced by Core+

High risk, but defensible. Core+ closed both pre-bind items.

A 38-second synthesis across 17 sources. Verdict: High · 91% confidence · 88% defensibility. An established 59-year commercial bakery of real scale, marked down by a $394,849 OSHA repeat-violation citation1 and an open data-breach investigation3. Two pre-bind items were closed by Core+ depth packs: FMCSA motor-carrier authority (SAFER re-pull cleared the 503 — USDOT 330709, active) and active headcount (Form 5500 — 539 participants, 2024).

Risk level
High
91% confidence
Defensibility
88%
Audit-ready
Sources
17
Across 8 vendors + web
Verification
Closed
via Core+ · FMCSA + headcount
Company · grounded facts
9 fields · cross-referenced 06-11-2026

New Horizons Baking Company is a multi-site commercial bakery headquartered in Norwalk, OH, mass-producing English muffins, soft rolls, buns, and bagels for national quick-service restaurant brands including McDonald's2. Founded in 1967 as West Baking Company; legally renamed in 1986 under Ohio Charter 6859434. Family-owned since 1995 — Tilmon F. Brown acquired 100% ownership in 2014; CEO Trina J. Bediako leads the second generation. Operates five plants across Ohio and Indiana, with a new high-speed Columbus facility (2955 Charter St) brought online in 20255.

HQ
211 Woodlawn Ave, Norwalk, OH 44857
Entity Type
LLCIncorporated in OH
Founded
1967 · as West Baking Co.Renamed 1986
Principals
Tilmon F. BrownFounder & Chairman · 100% since 2014
Locations
5 plants · OH & IN
Employees
251–500Est. · Core+ Form 5500 → 539 H&W (2024)
Revenue
$100M+Supplies national QSR chains incl. McDonald's
NAICS
311812Commercial Bakeries · 95% conf.
Website
newhorizonsbaking.com
OH Charter
685943Active · Good standing
New Horizons Baking Company · SN-NHB-06110-A · Underwriting Snapshot Page 1 of 6
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Why underwrite · 5 positive signals
Each cited · ≥ 1 independent source
01
26-year verified domain · clean email authentication. newhorizonsbaking.com registered March 1, 1999, with proper SPF, DKIM and DMARC on a Microsoft 365 tenant; SSL active via Google Trust Services6. Established, low-fraud digital footprint; corroborates a real, long-operating entity.
02
Multi-generational, single-family ownership. Family-owned since 1995. Tilmon F. Brown acquired 100% ownership in 2014; CEO Trina J. Bediako represents stable second-generation leadership2. Ownership continuity; strongest cohort predictor of low loss-ratio in commercial manufacturing.
03
Documented charter & rebrand history. Incorporated 1967 as West Baking Company; formally renamed New Horizons Baking Company in 1986 under Ohio Secretary of State Charter 6859434. Long, traceable corporate lineage; the policy attaches to a verified named insured.
04
Five-plant operating footprint verified across two states. Norwalk, Toledo, Fremont (IN), and two Columbus plants — each address validated, including the new 2955 Charter St high-speed facility5. Confirmed scale and exposure basis; no phantom or unverifiable locations on the schedule.
05
Revenue anchored by blue-chip national QSR accounts. Supplies iconic national chains including McDonald's, plus sandwich manufacturers and retail2. Assured-supply contracts underpin revenue stability. Investment-grade customer concentration; pricing power supports renewal premiums.
Why not · 2 cautions
Surfaced via Core+ pack: Compliance · OSHA — priced-in risks
Repeat lockout/tagout violations raise WC exposure. A $394,849 OSHA penalty (Dec 16, 2025) — 3 repeat, 9 serious, 1 other-than-serious — points to chronic machine-guarding and energy-control failures at the Columbus operation1. Direct workers' comp loss-exposure signal; price the WC layer for repeat-offender history.
Detailed via Core+ Compliance pack · full inspection history across all five plants attached. Action: price WC accordingly.
Open data-breach litigation pressures cyber appetite. Barnow Law has opened a class-action investigation into a suspected breach of employee or corporate data3. Scope and exposure not yet public. Cyber and professional-liability watch-item; verify breach scope before binding those layers.
Surfaced via Core+ Adverse Media pack · litigation index + DOL enforcement release attached. Action: verify scope pre-bind.
New Horizons Baking Company · SN-NHB-06110-A · Underwriting Snapshot Page 2 of 6
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Core+ depth packs
7 packs unlocked · government, records & web · pulled 14m ago

Beyond the free-tier read, this account ran seven Core+ depth packs against New Horizons Baking Company. Each pack pulls a named registry or vendor and attaches its full record to the snapshot. Two of them — Form 5500 and FMCSA · SAFER — directly close the open items in Verify before bind.

Compliance · OSHA recordsmarvin
OSHA inspection & citation history across all five plants. Columbus, Dec 16 2025: 3 repeat, 9 serious, 1 other-than-serious — $394,849 proposed. Two 2023 inspections (5 violations) also on record.1
Priced into the WC layer
Adverse media marvinweb
Negative press, litigation & enforcement scan — material adverse exposure across 2 articles: the $394,849 OSHA action (high) and Dunlap v. New Horizons Baking Co., an employment-discrimination suit in N.D. Ohio, Case 3:2023cv02169 (medium). No criminal, fraud, or recall events.3
Pre-bind watch-item
Digital risk marvinweb
Cyber posture & breach scan — Grade A, risk score 12. WordPress on WP Engine behind Cloudflare; Microsoft 365 mail; website security score 98/100. No disclosed breaches, ransomware, or dark-web credential exposure.6
Low cyber base risk
Form 5500 recordsmarvin
ERISA benefit-plan filings — 68 filings, plan years 2009–2024. Sponsor New Horizons Baking Company, LLC · EIN 31-1178698. The 2024 Health & Welfare plan covers 539 participants, reconciling the open headcount item.
Closes: headcount basis
FMCSA · SAFER recordsmarvin
DOT carrier authority & safety — Core+ re-pull cleared the earlier 503: USDOT 330709 · Active, 0 US crashes / 0 inspections in 24 months. Authority "Not authorized" (private/intrastate). Physical address 211-A Woodlawn Ave, Norwalk.13
Closes: motor-carrier authority
Business risk flags marvinrecords
Structured high-hazard & prohibited-class screen on the R6 Default profile — 0 of 13 flags triggered across Industry, Operational, Financial, Compliance, and Premises categories.
No material flags
Property financials records
Valuation, tax & transaction history for the new 2955 Charter St plant — last sale $2,810,000 (Jan 25 2017); $0 mortgage; 2024 tax assessment $180,310; owner G & I Ix Charter St LLC.5
New TIV to confirm
Coming soon to Core+ Secretary of State · UCC filings · Liquor licenses · OFAC & restricted-list screening
New Horizons Baking Company · SN-NHB-06110-A · Underwriting Snapshot Page 3 of 6
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Underwriter notes
2 notes · marked for export
D. Chen · Sr. UW · Commercial Lines
06-11-2026 · 14:30 ET
Pricing premise. Established 59-year operator of real scale and clean ownership. The OSHA repeat lockout/tagout citation is the dominant rate driver — price the WC layer for repeat-offender history, not as a one-off. New Columbus plant adds TIV to confirm. Otherwise a solid named insured.
D. Chen · Sr. UW · Commercial Lines
06-11-2026 · 14:33 ET
For broker. The two pre-bind items are now closed by Core+: the FMCSA SAFER re-pull confirmed motor-carrier authority (USDOT 330709, active), and the Form 5500 pull reconciled headcount (539 H&W participants, 2024). Include the OSHA citation detail and the open data-breach note so the broker has the full picture, not the headline.
Verify before bind
4 items · 3 done · 1 open
  • OSHA citation records pulled for all five plants. Columbus inspection detail (3 inspections, 20 violations, $394,849 proposed) attached; other four plants cross-checked for open enforcement1. Marvin · done · 3 records attached
  • FMCSA SAFER authority confirmed. Core+ re-pull cleared the earlier 503 — USDOT 330709 active, 0 US crashes / 0 inspections in 24 months; authority private/intrastate13. Marvin · done · Core+ FMCSA · SAFER pack
  • Active headcount reconciled. Core+ Form 5500 returned 68 filings; the 2024 Health & Welfare plan covers 539 participants — exposure basis confirmed against the five-plant footprint. Marvin · done · Core+ Form 5500 pack
  • Schedule the renewal-prep re-pull for 02-11-2027 — 120 days before renewal. Marvin re-runs the snapshot and diffs it against this bound read, so renewal walks in with current data — including any new OSHA or breach activity. You · enable · single click · T−120d
New Horizons Baking Company · SN-NHB-06110-A · Underwriting Snapshot Page 4 of 6
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Defensibility · audit-readiness scorecard
88% · pre-bind items closed via Core+

Marvin's self-audit on this snapshot. The score grades whether the verdict on page 1 holds up in a regulatory or audit scenario — not whether the company itself is risky.

What supports the verdict
  • 17 sources across 8 vendors + public web pages
  • OSHA citation detail pulled across all five plants via Core+ depth
  • Resolved OH SOS entity + active status (Charter 685943)
  • 26-year verified domain with clean SPF, DKIM and DMARC
  • Five-plant operating footprint address-validated
  • Multi-generational ownership confirmed (Brown 100% since 2014)
  • Revenue anchored by blue-chip national QSR accounts
What would strengthen it
  • Confirm COPE data and updated payroll for the new Columbus plant before bind
  • Enable the renewal-prep re-pull (02-11-2027 · 120 days before renewal) to keep the read current
New Horizons Baking Company · SN-NHB-06110-A · Underwriting Snapshot Page 5 of 6
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Sources backing this synthesis

17 cited sources · 8 vendors · last refresh 14m ago. Every numbered marker in this report resolves to a vendor record or public URL below.

marvin 2 SOURCES · REFRESH WEEKLY-QUARTERLY
[2]
Marvin · New Horizons firmographic & leadership profile. Owner Tilmon F. Brown (100% since 2014), CEO Trina J. Bediako, five-plant footprint, QSR customer model. marvin · firmographic profile marvin-derived · refresh cadence weekly
[11]
Sigma360 · entity resolution. Canonical legal name, EIN 31-1178698, alias graph, 1.0 match confidence. sigma360 · resolve_entity marvin-derived · refresh cadence quarterly · pulled 14m ago
records Core+ · 4 SOURCES · GOVERNMENT & REGISTRIES · REFRESH ON EVENT
[1]
OSHA · establishment inspections (Columbus, OH). 3 inspections, 20 violations, $394,849 proposed penalty — repeat lockout/tagout & machine guarding. osha.gov/ords/imis/establishment.inspection_detail records catalog · OSHA public records · pulled 14m ago
[4]
Ohio Secretary of State · Charter 685943. Active LLC, incorporated in OH; 1986 rename from West Baking Company confirmed. ohiosos.gov/businesses records catalog · state registry · pulled 14m ago
[5]
Smarty + SafeGraph · 2955 Charter St verification. Address validated as active commercial; 0 cotenants confirm a single-tenant, new-build facility. smarty · validate_us_address + safegraph · cotenants records catalog · address & POI · pulled 14m ago
[13]
FMCSA · SAFER motor-carrier registry. DOT authority & fleet profile — Core+ re-pull cleared the earlier 503: USDOT 330709, active, 0 crashes / 0 inspections (24 mo). safer.fmcsa.dot.gov records catalog · Core+ FMCSA pack · pulled 14m ago
web 2 SOURCES · PUBLIC WEB · VARIED CADENCE
[6]
Profound · domain & cybersecurity posture. newhorizonsbaking.com registered 1999, SPF/DKIM/DMARC clean on Microsoft 365, security grade B (98/100). newhorizonsbaking.com web · refresh cadence 24h
[3]
Law360 / DOL OSHA release · adverse media. Clark v. New Horizons Baking Company litigation index; Barnow Law data-breach investigation; DOL OSHA enforcement release (Dec 2025). law360 · case index + DOL OSHA news release web · adverse-media scan · pulled 14m ago
New Horizons Baking Company · SN-NHB-06110-A · 17 sources cited · End of report Page 6 of 6
New Horizons Baking Company · Snapshot export
SN-NHB-06110-A · 6 pages · 17 sources cited