Cogent Analytics, Inc.
Updated Filing received by DOL
Cogent Analytics, Inc., a professional & technical services employer in Greensboro, North Carolina, reported 116 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $94,426 in insurance premiums across 6 contracts and $20,860 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on February 16, 2026, before the deadline.
Who was paid on Cogent Analytics, 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 Cogent Analytics, Inc. filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Ibenefit Communications LLC · Charlotte, NC | $6,298 | $0 | $6,298 | 1 |
| James a Scott & Son Inc · Lynchburg, VA | $3,318 | $2,354 | $5,672 | 3 |
| Mosaic Group Services LLC · Durham, NC | $4,212 | $1,451 | $5,663 | 2 |
| Watchtower Technologies Inc · Chicago, IL | $0 | $2,135 | $2,135 | 1 |
| Ruth a Anderson · Clayton, NC | $1,092 | $0 | $1,092 | 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 North Carolinadental | 248 | $94,426 | — | — |
| Symetra Life Insurance Companylife, short-term disability, long-term disability | 113 | — | $8,285 | — |
| Eyemed Vision Care Obo the Fidelity Security Life Insurance Companyvision | 242 | — | — | — |
| Symetra Life Insurance Companyindemnity | 171 | — | $10,864 | — |
| Blue Cross and Blue Shield of North Carolinahealth, prescription drug, PPO | 188 | — | — | — |
| Pre-Paid Legal Services Inc dba Legalshieldcoverage not coded | 32 | — | $1,711 | — |
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 Cogent Analytics, 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 | 122 | 116 | −4.9% |
| Premiums filed | $95,850 | $94,426 | −1.5% |
| Broker commissions + fees | $28,015 | $20,860 | −25.5% |
| 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 |
|---|---|---|---|---|
| Cogent Analytics, Inc. Employee Benefits Plan Document and Summary Plan Description#502 · insurance, general assets | July 31, 2025 | February 16, 2026 | before deadline | 116 |
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 Cogent Analytics, Inc. pay in health insurance broker commissions in 2024?
Cogent Analytics, Inc.'s 2024 Form 5500 reports $20,860 in broker commissions and fees across 6 insurance contracts ($14,920 in commissions, $5,940 in fees), with Ibenefit Communications LLC receiving the largest share.
Is Cogent Analytics, Inc.'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 Blue Cross and Blue Shield of North Carolina.
How does Cogent Analytics, Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Cogent Analytics, Inc. because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 100-199 participants that disclosed broker pay reported a median of $53,852.
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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.