Form 5500 · Employee benefit plan · LIVONIA, MI
ELECTRONIC RESTORATION SERVICES INC
Public Form 5500 records show how ELECTRONIC RESTORATION SERVICES INC of LIVONIA, MI, a professional services employer, structures its employee benefits. Its broker of record is AUSTIN FINANCIAL GROUP, LLC. Coverage is written through BLUE CROSS AND BLUE SHIELD OF MICHIGAN and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 38-3252064 · plan 501 · as of Aug 2026
Plan brief
Schedule A lists 4 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS AND BLUE SHIELD OF MICHIGAN, covers 762 people.
Reported premium across the insured contracts is $834,953, with $48,384 in disclosed broker commissions — about 5.8% 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.
AUSTIN FINANCIAL GROUP, LLC is the broker of record on 1 of the 4 contracts; the rest name a different broker or none.
4 carriers appear on the filing — BLUE CROSS AND BLUE SHIELD OF MICHIGAN, BLUE CARE NETWORK OF MICHIGAN, THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA and DELTA DENTAL OF MICHIGAN — with BLUE CROSS AND BLUE SHIELD OF MICHIGAN writing the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF MICHIGAN | Health | 762 | December | $469,309 | $21,727 |
| BLUE CARE NETWORK OF MICHIGAN | Health | 34 | December | $238,949 | $11,833 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental, Vision, Life, Disability | 83 | December | $66,062 | $9,198 |
| DELTA DENTAL OF MICHIGAN | Dental | 129 | December | $60,633 | $5,626 |
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