Form 5500 · Employee benefit plan · CHEROKEE, NC
EASTERN BAND OF CHEROKEE INDIANS
The filing calls this plan EASTERN BAND OF CHEROKEE INDIANS WELFARE BENEFIT PLAN.
EASTERN BAND OF CHEROKEE INDIANS of CHEROKEE, NC is a 2,527-participant other services employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Its broker of record is MOSAIC GROUP SERVICES LLC. Coverage is written through BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA and 4 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 56-0572090 · plan 501 · plan year 2025, filed Jul 20, 2026
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1,311 other employer plans in North Carolina 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 a stop-loss contract and no medical premium, which is what a plan that pays its own claims reports.
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
4 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 8 insured contracts covering health, vision, life, disability and stop-loss; the largest, with BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA, covers 2,429 people.
The filing declares health, vision, life, disability and dental. Dental appears 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 4 contracts here that do not say what they cover.
The medical plan carries stop-loss coverage: the filing reports the plan paying its own health claims, with insured protection against large ones.
Reported premium across the insured contracts is $4,357,974, with $226,095 in disclosed broker commissions — about 5.2% 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.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| SYMETRA LIFE INSURANCE COMPANY | Life, Disability | 0 | Jan 1, 2026 | $1,766,353 | $88,318 |
| BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | Health, Stop-loss | 2,429 | Jan 1, 2026 | $1,913,450 | $67,750 |
| AFLAC | — | 395 | Jan 1, 2026 | $335,230 | $57,520 |
| COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | Life, Disability | 117 | Jan 1, 2026 | $109,137 | $12,118 |
| AFLAC | — | 3 | Jan 1, 2026 | $3,253 | $351 |
| AFLAC | — | 1 | Jan 1, 2026 | $501 | $29 |
| AFLAC | — | 3 | Jan 1, 2026 | $91 | $9 |
| COMMUNITY EYE CARE | Vision | 4,184 | Jan 1, 2026 | $229,959 | $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.
Other plans filed by this employer
How this plan compares
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Renewal calendar
1,311 other employer plans in North Carolina are January 1 renewals (policy year ends December).
Their policy years end in December, like this plan’s, so most renew January 1. The calendar lists every insured group by renewal date and state, with broker of record, carrier and disclosed commission. You can preview the five largest in each month for free.
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