Cogent Biosciences, Inc.
Updated Filing received by DOL
Cogent Biosciences, Inc., a professional & technical services employer in Waltham, Massachusetts, reported 210 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $5.0M in insurance premiums across 6 contracts and $181,206 in broker commissions and fees, 2.9% of medical premium against a national median of 3.8% among plans that paid commissions in plan year 2024. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on September 23, 2026, within the extension window.
Who was paid on Cogent Biosciences, 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 Biosciences, Inc. filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| RSC Insurance Brokerage Inc · Boston, MA | $24,240 | $91,711 | $115,951 | 5 |
| Abd Ins. and Financial SVCS., Inc. · San Mateo, CA | $6,843 | $49,255 | $56,098 | 5 |
| Selman & Company, LLC · Cleveland, OH | $0 | $9,157 | $9,157 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2025, as published in EBSA's 2025 "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 |
|---|---|---|---|---|
| Cigna Health and Life Insurance Companyhealth, prescription drug, PPO | 394 | $4.7M | $137,843 | 2.9% |
| Blue Cross Blue Shield of Massachusetts, Inc.dental | 638 | $303,954 | $8,358 | 2.7% |
| Sun Life Assurance Company of Canadalife, short-term disability, long-term disability | 248 | — | $30,123 | — |
| Vision Service Planvision | 243 | — | $2,153 | — |
| Pre-Paid Legal Services Inc dba Legalshieldcoverage not coded | 69 | — | $2,729 | — |
| Kgacoverage not coded | 250 | — | — | — |
Source: DOL Form 5500 Schedule A, plan year 2025. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Cogent Biosciences, 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.
Premium per covered person on medical contracts: $12,022 a year (national median $7,274).
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 154 | 210 | +36.4% |
| Premiums filed | $228,415 | $5,040,440 | +2106.7% |
| Broker commissions + fees | $136,391 | $181,206 | +32.9% |
| Commission rate | — | 2.9% | — |
Source: DOL Form 5500 filings for plan years 2024 and 2025.
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 Biosciences, Inc. Health and Welfare Benefit Plan#505 · insurance, general assets | December 31, 2025 | September 23, 2026 | within extension | 210 |
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 Biosciences, Inc. pay in health insurance broker commissions in 2025?
Cogent Biosciences, Inc.'s 2025 Form 5500 reports $181,206 in broker commissions and fees across 6 insurance contracts ($31,083 in commissions, $150,123 in fees), with RSC Insurance Brokerage Inc receiving the largest share.
Is Cogent Biosciences, Inc.'s health plan self-funded or fully insured?
The 2025 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Cigna Health and Life Insurance Company.
How does Cogent Biosciences, Inc.'s broker compensation compare with similar employers?
Cogent Biosciences, Inc. paid 2.9% of medical premium in commissions and fees. The median for employers with 200-499 participants is 3.6%, and the median in Massachusetts is 2.5%. Percentages are computed only on fully insured medical contracts with filed premiums.
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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.