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Original filing (PDF)20251008105223NAL0009595920001
THE COGAR GROUP, LTD
Form 5500
FILING_RECEIVED
THE COGAR GROUP, LTD HEALTH & WELFARE PLAN
Health & welfare plan
Signals · 4
1 failed disclosure~8830 bps in Sched C feesNo recordkeeper disclosed6 service providers
Active participants
155
Accounts w/ balance
—
Plan assets (EOY)
$292K
Net assets (EOY)
$239K
Plan health score (directional)
80
/ 100
Grade B
Above-average plan
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
85
Concentration risk
75
Total plan cost
65
Vendor stack
80
Participation health
100
Knocking points off
- 1 Schedule C provider failed to disclose compensation.
- 8830 bps in Schedule C fees — 5488% above peer band of 158 bps.
- No recordkeeper disclosed on Schedule C.
Helping the score
- Concentration not scored — Schedule of Assets PDF not yet parsed for this plan.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for THE COGAR GROUP, LTD.
Plan sponsor
Name
THE COGAR GROUP, LTD
EIN
20-2563646
Address
1528 S. EL CAMINO REAL, SUITE 407 · SAN MATEO, CA · 94402
Phone
(650) 341-0306
Industry
Admin Support & Waste Mgmtsee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
501
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-08
Welfare benefit codes
4A · Health (other than dental or vision)
4B · Life Insurance
4D · Dental
4E · Vision
4F · Temporary Disability (accident and sickness)
4L · Death Benefits (other than life insurance)
Audit & trust (Schedule H)
Auditor
INEICH & COMPANY, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
6 rowsOther
6| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC. | 33-0330036 | — | NONE | $154K | — |
| CIGNA HEALTH AND LIFE INSURANCE COM | 59-1031071 | — | NONE | $27K | — |
| FIDUCIARY PLAN MGMT SERVICES, INC. | 46-3922133 | — | NONE | $25K | — |
| INEICH & COMPANY, LLP | 56-2552172 | — | NONE | $24K | — |
| ARMFIELD HARRISON & THOMAS LLC | 54-0654623 | — | NONE | $23K | — |
| UNITED WORKERS WELLNESS | 87-2575833 | — | NONE | $6K | — |
Failed / refused disclosures (Sched C Part 2)
| Provider | Nondisclosure info |
|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM | SERVICE PROVIDER DID NOT RESPOND TO WRITTEN REQUEST REGARDING INDIRECT COMPENSATION |
Investments
The Schedule of Assets is filed as a free-form PDF attachment on EFAST2; we parse these offline and coverage is partial (priority is the largest plans by EOY assets). This plan also reports no pooled (Schedule D) interests, so its holdings aren’t hidden on a master-trust filing. The line-item data lives on DOL EFAST2 under the same ACK_ID.
See Methodology > Data linkages for how Form 5500 / Schedule H / Schedule D / Schedule of Assets fit together.
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