Form 5500 · Employee benefit plan · TULSA, OK
CHEROKEE NATION BUSINESSES, LLC
The filing calls this plan CHEROKEE NATION BUSINESSES, LLC HEALTH AND WELFARE BENEFITS PLAN FOR SCA & DBA OF CHEROKEE FEDERAL.
CHEROKEE NATION BUSINESSES, LLC of TULSA, OK files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is CUSTOM BENEFITS PROG INC AN AON CO. Coverage is written through LIFE INSURANCE COMPANY OF NORTH AMERICA and 5 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 11-3784371 · plan 505 · plan year 2024, filed Oct 9, 2025
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536 other employer plans in Oklahoma have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Self-funded as reported
The filing reports benefits paid from the plan's own money, and no medical insurance contract on Schedule A.
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
6 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
Also declared: death benefits, other welfare.
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 12 insured contracts covering vision, life and disability; the largest, with LIFE INSURANCE COMPANY OF NORTH AMERICA, covers 450 people.
The filing declares vision, life, disability, health and dental. Health and dental appear with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on one of the 6 contracts here that do not say what they cover.
Reported premium across the insured contracts is $8,885,613, with $357,506 in disclosed broker commissions — about 4% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
CUSTOM BENEFITS PROG INC AN AON CO is the broker of record on 3 of the 12 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | 82 | Jan 1, 2025 | $769,006 | $110,459 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Life | 450 | Jan 1, 2025 | $3,949,839 | $78,997 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | 52 | Jan 1, 2025 | $556,344 | $73,738 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | 143 | Jan 1, 2025 | $515,531 | $58,344 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 537 | Jan 1, 2025 | $1,516,884 | $30,338 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | — | 450 | Jan 1, 2025 | $281,515 | $5,630 |
| VISION SERVICE PLAN | Vision | 5,599 | Jan 1, 2025 | $919,090 | $0 |
| SPRING HEALTH | — | 9,186 | Jan 1, 2025 | $156,992 | $0 |
| CURALINC LLC | — | 9,192 | Oct 1, 2024 | $91,329 | $0 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 537 | Jan 1, 2025 | $76,202 | $0 |
| NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | Disability | 537 | Jan 1, 2025 | $49,869 | $0 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 537 | Jan 1, 2025 | $3,012 | $0 |
Premium and claims on this contract
VISION SERVICE PLAN, contract 30040115*. For the contract year on this filing, the carrier reported $919,090 in premium earned and $698,212 in claims incurred. Dividing one by the other gives 76%.
- VISION SERVICE PLAN, contract 30040115* reported $133,268 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
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 H
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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