First American Commercial Bancorp, Inc.
Updated Filing received by DOL
First American Commercial Bancorp, Inc., a real estate & rental employer in Victor, New York, reported 293 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $3.7M in insurance premiums across 12 contracts and $140,300 in broker commissions and fees, 2.7% of medical premium against a national median of 3.8% among plans that paid commissions in plan year 2024. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on July 20, 2026, before the deadline.
Who was paid on First American Commercial Bancorp, Inc.'s plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract First American Commercial Bancorp, Inc. filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Titan Ins. dba US Empl Ben Serv GR · Rochester, NY | $94,749 | $0 | $94,749 | 1 |
| Titan Ins & Employee Benefits · Rochester, NY | $11,693 | $5,813 | $17,506 | 5 |
| Titan Insurance dba Usebsg · Rochester, NY | $10,398 | $482 | $10,880 | 2 |
| Stealth Partner Group LLC · Scottsdale, TX | $0 | $8,655 | $8,655 | 5 |
| US Employee Benefits Services Group · Rochester, NY | $5,665 | $0 | $5,665 | 1 |
| Titan Insurance and Emp Ben Agy · Rochester, NY | $1,479 | $0 | $1,479 | 3 |
| U S B Health LLC · Rochester, NY | $0 | $1,366 | $1,366 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2025, as published in EBSA's 2025 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Excellus Blue Cross Blue Shieldhealth, prescription drug | 202 | $3.5M | $94,749 | 2.7% |
| Provident Life and Casualty Insurance Companydental | 213 | $183,755 | $8,976 | 4.9% |
| Eyemed Vision Care on Behalf of the Fidelity Security Life Ins. Co. NYvision | 154 | — | $5,665 | — |
| Companion Life Insurance Companylife | 299 | — | $2,615 | — |
| Companion Life Insurance Companylife | 103 | — | $4,356 | — |
| Mutual of Omaha Insurance Companycoverage not coded | 66 | — | $975 | — |
| Mutual of Omaha Insurance Companycoverage not coded | 299 | — | $15,164 | — |
| Mutual of Omaha Insurance Companylong-term disability | 299 | — | $5,078 | — |
| Mutual of Omaha Insurance Companylife | 299 | — | $1,243 | — |
| Cigna Health and Life Insurance Companycoverage not coded | 36 | — | $752 | — |
| Cigna Health and Life Insurance Companycoverage not coded | 24 | — | $513 | — |
| Cigna Health and Life Insurance Companycoverage not coded | 12 | — | $214 | — |
Source: DOL Form 5500 Schedule A, plan year 2025. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How First American Commercial Bancorp, Inc. compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Premium per covered person on medical contracts: $17,249 a year (national median $7,274).
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 293 | 293 | +0.0% |
| Premiums filed | $3,256,033 | $3,668,010 | +12.7% |
| Broker commissions + fees | $126,677 | $140,300 | +10.8% |
| Commission rate | 2.9% | 2.7% | −0.2 pts |
Source: DOL Form 5500 filings for plan years 2024 and 2025.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| First American Equipment Finance#501 · insurance, general assets | December 31, 2025 | July 20, 2026 | before deadline | 293 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did First American Commercial Bancorp, Inc. pay in health insurance broker commissions in 2025?
First American Commercial Bancorp, Inc.'s 2025 Form 5500 reports $140,300 in broker commissions and fees across 12 insurance contracts ($123,984 in commissions, $16,316 in fees), with Titan Ins. dba US Empl Ben Serv GR receiving the largest share.
Is First American Commercial Bancorp, Inc.'s health plan self-funded or fully insured?
The 2025 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Excellus Blue Cross Blue Shield.
How does First American Commercial Bancorp, Inc.'s broker compensation compare with similar employers?
First American Commercial Bancorp, Inc. paid 2.7% of medical premium in commissions and fees. The median for employers with 200-499 participants is 3.6%, and the median in New York is 3.7%. Percentages are computed only on fully insured medical contracts with filed premiums.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.