Garton Tractor Inc.
Updated Filing received by DOL
Garton Tractor Inc., a wholesale trade employer in Turlock, California, reported 279 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $24,307 in insurance premiums across 5 contracts and $142,441 in broker commissions and fees. The plan is fully insured (an insurance carrier pays claims). The Department of Labor received the filing on March 11, 2026, within the extension window.
Who was paid on Garton Tractor Inc.'s plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Garton Tractor Inc. filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Winton-Ireland Insurance Agency,inc · Turlock, CA | $69,330 | $59,320 | $128,650 | 4 |
| Hollern & Associates Incorporated · Sparks, NV | $7,848 | $1,177 | $9,025 | 1 |
| Wayne P Smith · Meridian, ID | $1,027 | $0 | $1,027 | 1 |
| Casey James Kugler · Elkhorn, NE | $69 | $906 | $975 | 1 |
| Douglas Hibl · Midway, UT | $517 | $0 | $517 | 1 |
| Prosession Inc · Reno, NV | $484 | $10 | $494 | 1 |
| Celiflora Thompson · Merced, CA | $367 | $13 | $380 | 1 |
| Stephanie Noelle Kugler · Elkhorn, NE | $201 | $140 | $341 | 1 |
| Salvador Heredia · Livermore, CA | $272 | $0 | $272 | 1 |
| Brian Robert Lloyd · El Dorado Hills, CA | $60 | $148 | $208 | 1 |
| Joseph Silva · Visalia, CA | $147 | $0 | $147 | 1 |
| Warren Lee Rund · Reno, NV | $114 | $0 | $114 | 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 Dental of Californiadental | 530 | $24,307 | $4,182 | 17.2% |
| Blue Shield of Californialife | 281 | — | $998 | — |
| Blue Shield of Califoriahealth, vision, prescription drug | 117 | — | $61,420 | — |
| Kaiser Foundation Health Plan Inchealth, prescription drug | 321 | — | $62,050 | — |
| Colonial Life & Accident Insurance Companylife, short-term disability | 86 | — | $13,791 | — |
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 Garton Tractor Inc. 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 | 272 | 279 | +2.6% |
| Premiums filed | $0 | $24,307 | not comparable |
| Broker commissions + fees | $158,204 | $142,441 | −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 |
|---|---|---|---|---|
| Garton Tractor Inc. Welfare Benefit Plan#505 · insurance | May 31, 2025 | March 11, 2026 | within extension | 279 |
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 Garton Tractor Inc. pay in health insurance broker commissions in 2024?
Garton Tractor Inc.'s 2024 Form 5500 reports $142,441 in broker commissions and fees across 5 insurance contracts ($80,726 in commissions, $61,715 in fees), with Winton-Ireland Insurance Agency,inc receiving the largest share.
Is Garton Tractor Inc.'s health plan self-funded or fully insured?
The 2024 filing indicates the plan is fully insured (an insurance carrier pays claims). Medical coverage is written by Blue Shield of Califoria, Kaiser Foundation Health Plan Inc.
How does Garton Tractor Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Garton Tractor Inc. because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 200-499 participants that disclosed broker pay reported a median of $77,013.
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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.