E. & J. Gallo Winery
Updated Filing received by DOL
E. & J. Gallo Winery, a manufacturing — food & textile employer in Modesto, California, reported 5,620 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $5.1M in insurance premiums across 9 contracts and $262,016 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on September 23, 2025, within the extension window.
Who was paid on E. & J. Gallo Winery's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract E. & J. Gallo Winery filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Locton Companies, LLC · Dallas, TX | $107,288 | $30,000 | $137,288 | 2 |
| Lockton | $97,388 | $27,340 | $124,728 | 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 |
|---|---|---|---|---|
| Delta Dentaldental, HMO, PPO | 5,395 | $4.6M | $1,349 | 0.0% |
| VSP Vision Service Planvision | 3,358 | $496,084 | — | — |
| Aetna Life Insurance Co.stop-loss | 2,557 | — | — | — |
| Curalinc, LLC, D.B.A. Curalinc Healthcarehealth | 5,337 | — | — | — |
| Four Ever Life Ins. Co.health, dental, vision, life, PPO | 6 | — | — | — |
| Kaiser Foundation Health Plan, Inc.health, vision, prescription drug, HMO | 2,368 | — | — | — |
| Kaiser Foundation Health Plan of Hawaiihealth, indemnity | 4 | — | — | — |
| Sun Life Assurance Company of Canadastop-loss | 271 | — | $124,728 | — |
| Sun Life Assuranace Company of Canadastop-loss | 2,286 | — | $135,939 | — |
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 E. & J. Gallo Winery 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 | 5,770 | 5,620 | −2.6% |
| Premiums filed | $4,359,496 | $5,055,577 | +16.0% |
| Broker commissions + fees | $238,243 | $262,016 | +10.0% |
| Commission rate | — | — | — |
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 |
|---|---|---|---|---|
| E. & J. Gallo Winery Master Health & Dental Plan#515 · insurance, trust | December 31, 2024 | September 23, 2025 | within extension | 5,620 |
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 E. & J. Gallo Winery pay in health insurance broker commissions in 2024?
E. & J. Gallo Winery's 2024 Form 5500 reports $262,016 in broker commissions and fees across 9 insurance contracts ($204,676 in commissions, $57,340 in fees), with Locton Companies, LLC receiving the largest share.
Is E. & J. Gallo Winery'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 Curalinc, LLC, D.B.A. Curalinc Healthcare, Four Ever Life Ins. Co., Kaiser Foundation Health Plan, Inc..
How does E. & J. Gallo Winery's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for E. & J. Gallo Winery because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 5,000+ participants that disclosed broker pay reported a median of $458,262.
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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.