Modesto, California employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
29 employers in Modesto, California filed health plans with 100 or more participants for plan year 2024, covering 21,246 participants. They reported $6.4M in insurance premiums and $3.0M in broker commissions and fees. Against 2023, premiums were up 7.0% and broker pay fell 10.3%.
Funding: 7 fully insured · 6 self-funded · 16 mixed. 22 of 29 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Modesto
Modesto employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| E. & J. Gallo Winery | $5,055,577 | $262,016 | 5,620 | Locton Companies, LLC |
| G3 Enterprises, Inc. | $1,265,637 | $57,721 | 803 | Lockton |
| Gould Medical Group, Inc. | $60,695 | $34,698 | 418 | Keenan & Associates |
| United Rentals, Inc. | $0 | — | 3,241 | — |
| Deputy Sheriffs' Assn of Stanislaus CNTY | $0 | — | 1,960 | — |
| Save Mart Companies | $0 | $322,716 | 1,587 | Lockton |
| Golden Bear Physical Therapy & Sports dba Therapy Partners Group | $0 | $8,640 | 1,301 | Marsh McLennan Agency |
| Pacific Southwest Container LLC | $0 | $100,822 | 1,014 | OneDigital |
| Freeze-Dried Intermediate Holdings, LLC | $0 | $227,545 | 746 | Marsh McLennan Agency |
| Storer Transportation | $0 | $248,305 | 556 | Relation Insurance |
| Reed Family Companies | $0 | $318,390 | 553 | Woodruff Sawyer |
| Ratto Bros Inc. | $0 | $52,573 | 410 | Western Growers Insurance Services |
| Allcare IPA | $0 | $299,544 | 284 | Cba Premier Insurance Solutions, |
| Flooring Liquidators, Inc. | $0 | $115,652 | 281 | Gdi Insurance Agency |
| Center for Human Services | $0 | $108,093 | 271 | Woodruff Sawyer |
| JS West and Companies | $0 | $183,722 | 242 | Gallagher |
| California Rural Legal Assistance, Inc. | $0 | $7,812 | 201 | Filice Insurance Services, LLC |
| Central Valley Specialty Hospital | $0 | $167,834 | 192 | Relation Insurance |
| Select Education Group | $0 | $4,178 | 170 | Foundation Risk Partners |
| Dons Mobile Glass, Inc. | $0 | $48,956 | 169 | Relation Insurance |
| Valley First Credit Union | $0 | $96,243 | 167 | Evco Insurance Services, Inc. |
| Cranetech Inc | $0 | $175,249 | 166 | Gilroy Kernan & Gilroy in |
| Belkorp Ag, LLC | $0 | $11,832 | 162 | EPIC Insurance Brokers |
| Community Hospice and Health Services | $0 | $112,036 | 155 | USI Insurance Services |
| Stanislaus Food Products | $0 | $49,422 | 145 | Lockton |
Source: DOL Form 5500 Schedule A, plan year 2024; employers are grouped by the sponsor's mailing city as filed. Self-funded employers show only stop-loss and ancillary premium.
Who gets paid
Commissions and fees reported by Modesto employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Lockton | $527,412 | 4 |
| Relation Insurance | $364,005 | 4 |
| Cba Premier Insurance Solutions Inc | $209,694 | 1 |
| OneDigital | $190,201 | 3 |
| Gallagher | $183,722 | 1 |
| Woodruff Sawyer | $168,283 | 3 |
| Locton Companies LLC | $137,288 | 1 |
| Marsh McLennan Agency | $134,140 | 2 |
| Gilroy Kernan & Gilroy in | $128,932 | 1 |
| USI Insurance Services | $105,941 | 1 |
Largest medical carriers
Medical premium written for these employers.
Modesto against California and the U.S.
Medians over the same definitions on every BenefitsLedger page: commission rate on commission-paying, fully insured medical plans; broker pay per employer that disclosed any; medical premium per covered person.
| Modesto | California | United States | |
|---|---|---|---|
| Employer plans | 29 | 6,836 | 58,547 |
| Median commission rate | n/a | 4.0% | 3.8% |
| Middle half of rates | n/a | 0.6% – 6.3% | 2.7% – 5.0% |
| Median broker pay per employer | $96,243 | $104,298 | $72,628 |
| Medical premium per covered person | n/a | $6,689 | $7,274 |
| Plans reporting no commission | 0 | 25 | 933 |
Year over year. In plan year 2023, 35 Modesto employers reported $6.0M in premiums and $3.4M in broker pay for 22,197 participants; in 2024 it was $6.4M and $3.0M for 21,246 participants (premiums +7.0%, broker pay −10.3%).
Source: DOL Form 5500 and Schedule A, plan years 2024 and 2023, employer health plans with 100 or more participants; built October 24, 2026. Medians need at least 10 rated plans to be shown for a city. Methodology.
How much do Modesto employers pay health insurance brokers?
29 Modesto employers reported $3,043,350 in broker commissions and fees on their 2024 Form 5500 filings, 27 of them disclosing at least some compensation. Too few fully insured medical plans in Modesto reported premium to compute a stable commission rate; the California median is 4.0% and the U.S. median is 3.8%. In dollars, the median Modesto employer that disclosed broker pay reported $96,243.
Which Modesto employers have the largest health plans?
By insurance premium reported for 2024, E. & J. Gallo Winery ($5.1M), G3 Enterprises, Inc. ($1.3M), Gould Medical Group, Inc. ($60,695) lead. 25 Modesto employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Modesto?
By compensation reported by Modesto employers, the largest brokers are Lockton ($527,412, 4 plans), Relation Insurance ($364,005, 4 plans), Cba Premier Insurance Solutions Inc ($209,694, 1 plans). By medical premium, the largest carriers are Nationwide Life Insurance Company, Cigna Health and Life Insurance Company, Sutter Health Plan.
Are Modesto employer health plans self-funded or fully insured?
Of 29 Modesto employer plans, 7 are fully insured, 6 are self-funded and 16 mix insured and self-funded coverage. Self-funded plans report only stop-loss and ancillary contracts on Schedule A, so their premium and broker pay understate total spend.
Other cities in California
Is your company on this page? Get its Form 5500 read next to the Modesto, California medians.
Tell us the company and a specialist writes up what the public Form 5500 record shows for it, if it files one: broker pay against the medians above, fee disclosure and filing timeliness, in a form you can forward to your CFO or counsel. Tick the box if you also want a 15-minute walkthrough call.
We don't sell your email. By submitting, you agree that BenefitsLedger and its benefits advisory partner, WellthCare, may email or call you about these findings. Opt out anytime by replying. See our privacy policy.