Form 5500 · Employee benefit plan · NEW BRITAIN, CT
STANLEY BLACK & DECKER, INC.
The filing calls this plan STANLEY BLACK & DECKER, INC. HEALTH & WELFARE PROGRAM.
STANLEY BLACK & DECKER, INC. of NEW BRITAIN, CT spreads its employee benefits across 10 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is MERCER HEALTH & BENEFITS ADMIN LLC. Coverage is written through KAISER FOUNDATION HEALTH PLAN, INC. and 9 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 06-0548860 · plan 550 · plan year 2024, filed Sep 12, 2025
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692 other employer plans in Connecticut 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
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 7 insured health contracts, with KAISER FOUNDATION HEALTH PLAN, INC., covers 781 of 20,361 participants (3.8%) on Schedule A.
Dental: the largest of the 2 insured dental contracts, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 1,739 of 20,361 participants (8.5%) on Schedule A.
Also declared: prepaid legal, 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 17 insured contracts covering health, dental, vision, life and disability.
Reported premium across the insured contracts is $20,684,339, with $419,243 in disclosed broker commissions — about 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.
MERCER HEALTH & BENEFITS ADMIN LLC is the broker of record on 4 of the 17 contracts; the rest name a different broker or none.
10 carriers appear on the filing, including KAISER FOUNDATION HEALTH PLAN, INC., SECURIAN LIFE INSURANCE COMPANY, LIFE INSURANCE COMPANY OF NORTH AMERICA and CIGNA HEALTH AND LIFE INSURANCE COMPANY. KAISER FOUNDATION HEALTH PLAN, INC. writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | 2,759 | Jan 1, 2025 | $765,964 | $117,383 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | 2,551 | Jan 1, 2025 | $546,209 | $101,073 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | 3,028 | Jan 1, 2025 | $500,940 | $81,467 |
| SECURIAN LIFE INSURANCE COMPANY | Life | 21,049 | Jan 1, 2025 | $6,221,373 | $55,000 |
| LEGALEASE | — | 1,413 | Jan 1, 2025 | $282,222 | $42,333 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Disability | 799 | Jan 1, 2025 | $971,350 | $13,714 |
| ACE AMERICAN INSURANCE COMPANY | — | 15,585 | Jan 1, 2025 | $118,180 | $8,273 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 781 | Jan 1, 2025 | $6,663,327 | $0 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 15,585 | Jan 1, 2025 | $1,940,440 | $0 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Vision | 21,834 | Jan 1, 2025 | $1,562,396 | $0 |
| CURALINC LLC | — | 16,014 | Jan 1, 2025 | $330,490 | $0 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental | 1,739 | Jan 1, 2025 | $318,157 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 22 | Jan 1, 2025 | $220,962 | $0 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental | 26 | Jan 1, 2025 | $142,822 | $0 |
| HAWAII MEDICAL SERVICE ASSOCIATION | Health | 10 | Jan 1, 2025 | $74,813 | $0 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health | 1 | Jan 1, 2025 | $21,250 | $0 |
| ANTHEM HEALTH PLANS, INC. | Health | 2 | Jan 1, 2025 | $3,444 | $0 |
Premium and claims on this contract
CIGNA HEALTH AND LIFE INSURANCE COMPANY, contract 2498633 2498634. For the contract year on this filing, the carrier reported $21,250 in premium earned and $28,863 in claims incurred. Dividing one by the other gives 136%.
- CIGNA HEALTH AND LIFE INSURANCE COMPANY, contract 2498633 2498634 reported $3,825 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.
Reported to OSHA
Reported to OSHA for 2025: 187 employees, 6 recordable cases, 3 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
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