Form 5500 · Employee benefit plan · ARLINGTON, VA
COGNOSANTE, LLC
The filing calls this plan COGNOSANTE WELFARE BENEFIT PLAN.
COGNOSANTE, LLC of ARLINGTON, VA files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is LOCKTON COMPANIES, LLC. Coverage is written through PRUDENTIAL INSURANCE COMPANY OF AMERICA and 6 other carriers. The plan's most recent policy period ended in March.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 68-0121468 · plan 506 · plan year 2025, filed Nov 10, 2025
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88 other employer plans in Virginia have policy years ending in March. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Both, as reported
The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
Health: the largest of the 2 insured health contracts, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 26 of 290 participants (9%) on Schedule A.
Dental: the largest of the 2 insured dental contracts, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 26 of 290 participants (9%) on Schedule A.
Also declared: prepaid legal, death benefits.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 7 insured contracts covering health, dental, vision, life and disability; the largest, with PRUDENTIAL INSURANCE COMPANY OF AMERICA, covers 282 people.
Reported premium across the insured contracts is $110,468, with $21,891 in disclosed broker commissions — about 20% of premium.
The most recent policy period ended in March, and the plan year ends June 10. Group contracts typically renew on that annual cycle.
LOCKTON COMPANIES, LLC is the broker of record on 4 of the 7 contracts; the rest name a different broker or none.
7 carriers appear on the filing, including PRUDENTIAL INSURANCE COMPANY OF AMERICA, CIGNA HEALTH AND LIFE INSURANCE COMPANY, UNITEDHEALTHCARE INSURANCE COMPANY and VISION SERVICE PLAN. PRUDENTIAL INSURANCE COMPANY OF AMERICA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| PRUDENTIAL INSURANCE COMPANY OF AMERICA | Life, Disability | 282 | Apr 1, 2025 | $47,780 | $14,445 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental | 26 | Apr 1, 2025 | $27,337 | $6,296 |
| CHLIC ON BEHALF OF METLIFE | Life, Disability | 26 | Apr 1, 2025 | $2,303 | $607 |
| PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | — | 26 | Apr 1, 2025 | $3,226 | $463 |
| VISION SERVICE PLAN | Vision | 150 | Apr 1, 2025 | $8,612 | $80 |
| UNITEDHEALTHCARE INSURANCE COMPANY | — | 84 | Apr 1, 2025 | $12,915 | $0 |
| HAWAII MEDICAL SERVICE ASSOCIATION | Health, Dental, Vision | 2 | Apr 1, 2025 | $8,295 | $0 |
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. The service providers are named on Schedule C of this filing. We publish company names only.
Money the plan held and paid out
Sourced from U.S. DOL EFAST2 Form 5500 · Schedule I
These are the plan's own figures from Schedule H, the financial statement it files. They are not the premium on Schedule A.
Other plans filed by this employer
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