| Location | Date | Time |
| Brickell (FL) | 9/8/26 | 8am - 12pm |
| Richmond (VA) | 9/9/26 | 8am - 12pm |
| Barrington (IL) | 9/9/26 | 8am - 12pm |
| Mar Tough Ford (Chicago) | 9/16/26 | 9am - 1pm |
| Honda of Downtown Chicago & Volkswagen of Downtown Chicago | 9/17/26 | 9am - 1pm |
EMPLOYEE BENEFITS
Have benefit questions?
Contact Stepping Stones Unlimited
(855) 937-4959, 8 a.m.-6 p.m. CST (English and Spanish speakers available)
MEDICAL INSURANCE
Preferred Provider Organization (PPO)
A PPO plan offers the freedom to receive care from any in- or out-of-network doctor, specialist or hospital without a referral.
You have a deductible to meet and once the deductible is met, coinsurance (or the cost share between you and the carrier) kicks in. The types of medical services that accumulate towards your deductible are inpatient hospital stays, outpatient surgeries, labs (blood work) and x-rays (MRIs, PET scans, CT scans, etc.).
If you go to the doctor, see a specialist, utilize the ER or take a prescription drug, you’ll pay a copay for those specific services. Copays do not accumulate towards your deductible but they do accumulate towards your overall out-of-pocket maximum.
High Deductible Health Plan (HDHP) + Health Savings Account (HSA)
This medical plan option is comprised of two components:
- a High Deductible Health Plan (HDHP) and
- a tax-exempt savings account called a Health Savings Account (HSA)
The HDHP is a high deductible PPO plan that provides health care benefits after the deductible has been met. All medical services, with the exception of preventive care, are paid for by you at 100%, less carrier discounts, prior to meeting your entire annual deductible. This includes routine office visits, procedures, lab work, prescription drugs, etc.
The HSA is a bank account paired with your HDHP allowing you to set aside money on a tax-free basis to pay your
out-of-pocket qualified medical, dental, and vision expenses throughout the year or in the future. You own the money in your HSA account and it is yours to keep – even when you change plans or retire. The funds roll over from year to year to be used when you really need them.
The tax-preferred status of your HSA contributions depend on a number of factors. For example, you must be enrolled in a qualified high deductible health plan. Also, residents of California and New Jersey are taxed on HSA contributions at the state level. State tax laws can change periodically, so you should consult with a tax advisor to confirm the tax treatment of HSA contributions in your state.
NO-COST HEALTH PROGRAMS
HEALTH MATTERS CARE MANAGEMENT
Care Management is a collaborative process of helping to find the right services to meet your family’s comprehensive health needs. Cigna’s nurse advocates help manage your care by bringing together the right resources and people to meet your needs. We have social workers, pharmacists, and behavioral professionals who are ready to help. These services are available at no additional cost to you and are completely confidential.
OMADA DIABETES MANAGEMENT
Cigna is offering Omada to help members manage weight and create healthier habits with one-on-one personal coaching and the tools needed to make long-lasting health changes.
Omada helps members:
- See smart scale readings in the Omada app after each use
- Eat healthier without counting calories or cutting out favorite foods
- Get up and move
YOUR HEALTH FIRST
Cigna takes a holistic approach to helping you manage your chronic conditions by offering one-on-one personal health coaching over the phone, as well as digital tools, to help you manage your chronic conditions and achieve your health goals. And it’s all available as part of your medical plan, at no additional cost.
HEALTHY BABIES
Give your baby a health start.
You’ll learn how to:
- Make a plan for a healthy pregnancy
- Monitor your pregnancy week by week
- Prepare for labor and delivery
- Care for your baby
Use the Cigna Healthy Pregnancy App to track and learn about your pregnancy. It also provides support for baby’s first two years.
PATHWELL BONE AND JOINT
Bone and joint pain can affect everything, including how you’re feeling emotionally. Whether the pain just started or you’re ready to find care, Cigna Pathwell Bone & Joint® and our dedicated care team can help guide you to the right care at the right time for your spine, knee, hip and shoulder pain. You’ll have access to:
Guidance to the care you need:
- Finding the right treatment plan
- Understanding your benefits
- Access to in-network physical therapy
- Pre-and post-surgery support
Online tools and resources:
- Our user-friendly digital tools enable you to communicate with your dedicated Clinical Care Advocate, and access personalized activities and articles to support your care plan
Surgery benefit:
- Finding quality, affordable surgeons who are part of the Pathwell Bone & Joint surgery benefit
- Understanding how to qualify for the zero or low-cost surgery benefit
- Reviewing the travel benefit of up to $600 when a Pathwell Bone & Joint designated surgeon isn’t close to home
FOODSMART
Medical plan customers have access to personal nutrition support that can help you save money on food and feel your best.
You have access to a virtual dietitian who can help—an expert in nutrition—who will create a personalized nutrition plan based on your health history, preferences, and goals.
You’ll get daily tips and tools that make following your plan simple, including thousands of delicious recipes, grocery price comparisons, food delivery, and more.
Plan Summaries and Documents
Murgado Group 1 Plan Documents
Group 1 applies to select dealership locations. Please review the locations below before opening plan documents.
- Motor Werks Barrington
- Honda Libertyville
- Acura Highland Park
- Infiniti Stuart
- Alfa Romeo Stuart
- Maserati Stuart
- Audi Stuart
- Ocean Cadillac
- Brickell Motors
- Mercendes-Benz of Midlothian
- Mercedes Benz of Richmond
- Murgado Ford of Chicago
- Murgado Lincoln of Chicago
- Toyota of Downtown Chicago
Murgado Group 2 Plan Documents
Group 2 applies to select dealership locations. Please review the locations below before opening plan documents.
- Honda of Downtown Chicago
- Volkswagen of Downtown Chicago
- Bentley Edison
- Ferrari of Central New Jersey
- Maserati of Central New Jersey
- Maserati Jackson
Have benefit questions?
Contact Stepping Stones Unlimited
(855) 937-4959, 8 a.m.-6 p.m. CST (English and Spanish speakers available)
DENTAL INSURANCE
Preferred Provider Organization (PPO)
These dental plans allow the flexibility to select any dentist in-network or out-of-network. By staying in-network, the contract between your dentist and insurance carrier will make your annual benefit period maximum last longer.
Dental coverage focuses on preventive and diagnostic procedures in an effort to avoid more expensive services
associated with dental disease and surgery. The type of service or procedure received determines the amount of coverage for each visit. Each type of service fits into a class of services according to complexity and cost.
Preventive:
- Annual cleanings (two per calendar year)
- X-rays
Basic:
- Fillings
- Simple extractions
Major:
- Implants
- Dentures, bridges and partials
Health Maintenance Organization (HMO)
These dental plans require you to choose one dentist or dental facility to coordinate all of your oral health needs. If you need to see a specialist, your primary care dentist will refer you; specialty care may require preauthorization.
A typical DHMO-type plan doesn't have any deductibles or maximums. Instead, when you receive a dental service, you pay a fixed dollar amount for the treatment based off of a pre-determined fee schedule between the carrier and your dentist.
Often, diagnostic and preventive services have no fee. DHMOs offer in-network benefits only, so if you visit a dentist outside of the network, you likely will be responsible for the entire bill.
Plan Summaries and Documents
Have benefit questions?
Contact Stepping Stones Unlimited
(855) 937-4959, 8 a.m.-6 p.m. CST (English and Spanish speakers available)
VISION INSURANCE
Vision Plan
Vision insurance helps offset the costs of routine eye exams and also helps pay for vision correction eye wear, like eyeglasses and contacts, that may be prescribed by an eye-care provider.
By accessing in-network vision providers, you’re able to reap the benefit of true vision insurance coverage. You’re eligible for an eye exam and lenses or contact lenses every 12 months and frames every 24 months. Out-of-network providers will merely offer you an allowance towards your vision services.
Eye-care providers include many independent optical shops and national chains.
Laser Vision Discount
Interested in Laser Vision Correction service such as LASIK? Visit your myCigna.com and search Healthy Rewards for details.
Plan Summaries and Documents
Have benefit questions?
Contact Stepping Stones Unlimited
(855) 937-4959, 8 a.m.-6 p.m. CST (English and Spanish speakers available)
LIFE AND AD&D INSURANCE
Basic Life and AD&D
Basic Life Insurance helps ease your loved ones’ financial burden. Your designated beneficiary will receive a benefit if you pass away from a covered accident or illness. In addition, Accidental Death and Dismemberment (AD&D) provides a benefit to your beneficiary if you pass on or become dismembered due to a specifically covered accident. Always make sure your beneficiaries are updated.
The cost of the benefit is 100% paid for by the company.
Voluntary Term Life and AD&D
Voluntary Term Life/AD&D allows you to purchase additional coverage at your own financial expense to ease your loved ones’ financial burden if something should happen to you. Costs are determined on group discounted rates. Always make sure your beneficiary information is updated.
An employee’s maximum benefit election cannot exceed 5x their basic annual earnings. A spouse’s maximum election cannot exceed 100% of what the employee takes out on themselves.
The cost of the benefit is 100% paid for by you. Your age and the amount of insurance you elect determines the premium you’ll pay. Costs will go up as you age. See your plan documents for more detail.
Have benefit questions?
Contact Stepping Stones Unlimited
(855) 937-4959, 8 a.m.-6 p.m. CST (English and Spanish speakers available)
DISABILITY INSURANCE
Short-Term Disability
If you become ill or suffer a non-work related injury that prevents you from working, short-term disability insurance provides income replacement for up to 25 weeks after a one-week waiting period. The amount of coverage you are eligible for is based on 60% of your weekly salary with a maximum benefit of $1,000 per week.
Long-Term Disability
Long-term disability insurance covers serious injuries and illnesses that keep you out of work for three months or longer. The amount of coverage you are eligible for is based on 60% of your monthly salary with a maximum benefit of $6,000 per month. Evidence of insurability may be required if you do not enroll when you first become eligible for these plans. Voluntary disability plans are subject to a pre-existing condition limitation.
Plan Summaries and Documents
Have benefit questions?
Contact Stepping Stones Unlimited
(855) 937-4959, 8 a.m.-6 p.m. CST (English and Spanish speakers available)
VOLUNTARY WORKSITE
Accident Coverage
Accident coverage pays cash to help with out-of-pocket expenses when an accident occurs. Your designated beneficiary will receive a benefit to help ease their financial burden if you become deceased from a covered accident or illness. Accidental Death and Dismemberment (AD&D) pays an additional benefit if you become deceased or dismembered due to a specifically covered accident. Coverage is available to employees and their families.
Critical Illness Coverage
Critical illness coverage offers the protection you need when a critical illness is diagnosed. A maximum benefit of $30,000 is available for employees to help with treatment and recovery (available in increments of $10,000); the benefit is 100% of the employee election for spouses, and 50% of the employee
election for children if electing to cover them.
Group Hospital Indemnity Coverage
Murgado’s group hospital indemnity insurance plan, offers a customizable and flexible plan design that will help supplement your major medical plan offering. This coverage provides benefits that employees can use to offset deductibles, co-pays, and out-of-pocket medical and non-medical expenses related to covered events that cause financial exposure, such as hospital confinement.
Group Legal Coverage
Carrier: MetLife
(800) 821-6400
Quality legal assistance can be pricey. And it can be hard to know where to turn to find an attorney you can trust. With MetLife Legal Plans, you have access to the expert guidance and tools you need to navigate a broad range of personal legal needs. Whether you’re buying or selling a home, starting a family, or caring for aging parents, the benefit provides protection at every step. Visit members.legalplans.com to create an account and use employer name “Miami Automotive Retail, Inc."
Plan Summaries and Documents
Have benefit questions?
Contact Stepping Stones Unlimited
(855) 937-4959, 8 a.m.-6 p.m. CST (English and Spanish speakers available)
FINANCIAL
Flexible Spending Account (FSA)
Carrier: Diversified Administration
(954) 983-9970
Flexible Spending Accounts (FSA) allow you to save money on a pre-tax basis to pay for qualified medical expenses and/or dependent care expenses you may incur throughout the year. The money you put into your FSA is done so on a pre-tax basis. This means you are lowering your taxable income and also not paying taxes when the money is used for qualified expenses.
Health Care FSA
You may contribute up to $3,400 per plan year to pay for qualified medical, dental and vision expenses for yourself and eligible family members. Funds in this account can be used to cover all eligible expenses on your tax dependents even if they are not enrolled under your health care plan. Eligible reimbursable expenses include medical and dental plan deductibles and copays (if applicable), orthodontia expenses not covered by your dental plan, prescription drugs, prescription eye glasses and contact lenses, Lasik eye surgery and much more.
Limited Purpose FSA
If you enroll in the HDHP/HSA plan and open a health savings account, you are not able to enrolled in the Health Care FSA, since you’re already putting tax-free dollars aside to pay for qualified expenses. You are, however, able to enroll in the Limited Purpose FSA, which allows you to pay for eligible out-of-pocket dental and vision expenses. You are able to put up to $3,400 into your Limited Purpose FSA for 2026.
Dependent Care FSA
You may contribute up to $7,500 per plan year to pay for qualified eligible dependent care expenses. Funds in this account are saved on a tax-free basis.
FSAs do have a use-it-or-lose-it provision, so be conservative when electing how much to contribute. You are eligible to rollover up to $680 to the next year.*
*Rollover applies to Health Care FSA and Limited Purpose FSA only.
Commuter Benefits
This program’s benefit allows employees to use pre-tax income to pay for their public transportation or parking expenses. Elected amounts will not be subject to federal, state, Social Security or Medicare taxes.
- Elect up to $340 per month in pre-tax deductions for the cost of mass transit
- Elect up to $340 per month in pre-tax deductions for the cost of parking a car at a transit station or near your office location.
Supplemental Medical (GAP)
Carrier: Transamerica
(888) 763-7474
TransConnect Supplemental Medical Expense Insurance can pay for Out-Of-Pocket expenses like deductibles, coinsurance, and copayments. Note that GAP plans have two separate reserves of money for Inpatient (Hospital stays & procedures) and Outpatient (Advanced Diagnostics & Procedures) benefits. As a full-time employee, you have the choice of Three GAP plan offerings.
Please note: You cannot elect GAP coverage if you make or receive contributions into a Health Savings Account.
Supplemental Medical (GAP) Plan Summaries and Documents
401(k)
The 401(k) Plan is an employer sponsored retirement plan that allows employees to save and invest for the purpose of building savings for retirement. Saving through a 401(k) Plan is an easy way to set aside money for your future.
When Can I Enroll?
You may be enrolled in the plan on the first day of the month following 90 days of employment.
How much can I contribute to the plan?
You may make pretax contributions of 1% to 20% of your salary.
Contributions are made through payroll deduction.
Pre-Tax or Post-Tax?
You may make your contributions either before or after tax. If you make your contributions pre-tax, you will save some current taxes. However, all your withdrawals will be subject to tax in retirement. If you make your contributions after-tax, then all the money you withdraw in retirement will be tax-free, both your
contributions and earnings. All the company contributions will be taxable when withdrawn.
When can I receive money from my account?
- At retirement
- At termination of employment, regardless of age
- Death or disability
- If you are age 59 1/2 and still employed with Murgado Automotive Group, you may withdraw money from your account.
Have benefit questions?
Contact Stepping Stones Unlimited
(855) 937-4959, 8 a.m.-6 p.m. CST (English and Spanish speakers available)
WELLNESS
WELCOME
At Murgado Automotive Group, we care about our employees' health and well-being. Well-Being is more than just staying in shape—it means paying attention to nutrition, understanding the importance of mental health, keeping good financial practices, appreciating the value of your work and recognizing your purpose.
Mental Health Awareness
Download our "Shifting Mindset for Mental Health" packet and learn techniques to reframe negative thinking, set boundaries and more.
Monthly Webinars
To earn a $25 gift card, watch five webinars (and track your participation) by December 31, 2026.
As a reminder, all payments or items Murgado gives to colleagues are compensation, in accordance with IRS regulations, and are subject to federal, state and employment tax withholding and reporting on Form W-2 unless a specific exemption applies.
Office Ergonomics
Presented by: Bailey Bleser
Heart Health 101
Presented by: Blossom Gupta
Creating and Sustaining Healthy Habits
Presented by: Megan Bierman
Emotional Intelligence: A Guide to How it Works
Presented by: Lauren Kasanders
Basics of Budgeting
Presented by: Bailey Bleser
Stress Management 101 (Spanish)
Presented by: Karina Sanchez
Staying Healthy During the Holidays
Presented by: Blossom Gupta
Diabetes Education & Awareness
Presented by: Blossom Gupta
Past Webinars
To earn a $25 gift card, watch five webinars (and track your participation) by December 31, 2025.
As a reminder, all payments or items Murgado gives to colleagues are compensation, in accordance with IRS regulations, and are subject to federal, state and employment tax withholding and reporting on Form W-2 unless a specific exemption applies.
Compassion Fatigue
Presented by: Coren Hayes
Boosting Your Positive Outlook
Presented by: Lisa Hurst
Resilience and Thriving
Presented by: Megan Bierman
Preventive Care Basics
Presented by: Blossom Gupta
Debt Management 101
Presented by: Bailey Bleser
Diabetes Education & Awareness
Presented by: Blossom Gupta
Compassion Fatigue
Presented by: Coren Hayes
Sleep Hygiene
Presented by: Blossom Gupta
8 Dimensions of Wellness
Presented by: Blossom Gupta
Importance of Posture
Presented by: Chelsea Gurgone
Social Wellness
Presented by: Lisa Hurst
411 on Physical Fitness
Presented by: Alivia Perrone
Financial Wellbeing
Presented by: Megan Bierman
Stress Management 101
Presented by: Karina Sanchez
Mindfulness & Meditation
Presented by: Lindsay Shea
Anxiety, Worry, and Depression
Presented by: Coren Awoyemi
Have benefit questions?
Contact Stepping Stones Unlimited
(855) 937-4959, 8 a.m.-6 p.m. CST (English and Spanish speakers available)
MENTAL HEALTH RESOURCES
Mental Health Awareness
Download our "Shifting Mindset for Mental Health" packet and learn techniques to reframe negative thinking, set boundaries and more.
Virtual Counseling
There is a virtual provider for every need:
- MDLIVE for stress, anxiety and burnout
- Talkspace for private text therapy
- Headspace for text based behavioral health coaching, self-guided learning activities and video-based therapy and psychiatry
- Meru Health for app-based virtual counseling for anxiety, depression or burnout
- Ria Health for virtual, evidence-based alcohol treatment programs
Self-Service Digital Tools and Resources
iPrevail
iPrevail offered through Cigna Healthcare provides on-demand
coaching, personalized learning and caregiver support. Complete an assessment, receive a program tailored to your needs, and get connected to a peer coach.
Happify
Happify offered through Cigna Healthcare is a self-directed program with activities, science-based games and guided meditations, designed to help reduce anxiety, stress and boost overall health.
Employee Assistance Program (EAP)
Carrier: MetLife (TELUS Health)
(888) 319-7819
username: metlifeeap
password: eap
EAP service offers caring and professional assistance for a broad range of concerns including stress management, depression and anxiety, relationship or family conflicts, workplace conflicts, legal or financial difficulties, and drug or alcohol abuse.
Services are confidential - neither your employer nor co-workers have knowledge of your request for help. EAP services are available 24 hours a day, seven days a week for you and your eligible dependents. There is no cost, it’s just there for you when you need it.
Possible reasons to call can include:
- Stress and depression
- Life transitions
- Grief and loss
- Parenting and child care
- Elder care referrals
- Domestic violence
- Workplace conflict
- Work/life balance
- Addiction and recovery
- Financial issues
- Legal assistance
Have benefit questions?
Contact Stepping Stones Unlimited
(855) 937-4959, 8 a.m.-6 p.m. CST (English and Spanish speakers available)
ENROLL
New Hires
We’re excited to welcome Stepping Stones Unlimited
to our Murgado benefits team. Stepping Stones offers benefit counselors who will help guide you through the enrollment process.
Your appointment is confidential and personalized to your specific benefit needs. Stepping Stones’ benefit counselors have been trained in all Murgado benefits so you can ask any questions you have.
To be eligible for insurance, you must be a full-time employee working a minimum of 30 hours a week.
Your benefits will commence on the 1st of the month following 60 days of employment.
Speak with a Benefits Counselor
(855) 937-4959
8am – 6pm CST, English and Spanish speakers available
To view premiums, log in to paycomonline.net.
To view premiums, log in to paycomonline.net.
Qualifying Life Event (QLE)
Open Enrollment is the only time of year to make changes to your benefits, unless you experience a qualifying event (i.e. marriage, divorce, loss of coverage). If you do experience a qualifying life event in the future and wish to make changes to your benefit elections, you must contact Human Resources within 30 days of the event.
Have benefit questions?
Contact Stepping Stones Unlimited
(855) 937-4959, 8 a.m.-6 p.m. CST (English and Spanish speakers available)
BIOMETRIC SCREENINGS
Employees enrolled in the Murgado Medical Program are eligible to complete a biometric screening and qualify for a $25 wellness incentive. Review screening dates, register for an appointment and learn how to access your results below.
What is a Biometric Screening?
A biometric screening is a short health examination that identifies your risk for certain medical conditions. It helps you understand where you should take action to improve your health. The screening measures key health numbers such as cholesterol, glucose, blood pressure, waist circumference and Hemoglobin A1c.
All individuals who complete the biometric screening call have the opportunity to speak with a coach about their screening results.
Why should I participate?
Participating helps identify current health risks for specific and future medical conditions. It also enables you to better understand how to take action to improve your overall health.
*$25 wellness incentive is subject to payroll taxes.
How to Register
Registration is available from 8/3/26 - 8/25/26
Complete your on-site biometric screening by following the below steps:
- Click the registration link below
- Enter the Visitor Access Code: MAG
- Select your preferred location, date and time to confirm your appointment
Already registered?
If you created a WellConnect Plus account during the previous biometric screening, use the same login credentials to register for this years screening.
If you need to reset your password, contact Labcorp Customer Care:
Phone: 844-251-6524
Email: support@lescustomercare.zendesk.com
Biometric Onsite Screening Schedule
Register by August 25, 2026 to qualify for your $25 wellness incentive-and complete your WellReview to earn an additional $25.
View Your Results
After your screening, you will receive a health education brochure with your biometric measurements.
Remaining lab results will be available once processed and can be accessed the following ways:
- Labcorp Patient Portal: Visit the LabCorp Patient Portal to view your full results once available.
- Employee Portal: Log in to your employee portal to access screening results.
- Customer Care Support: Access your results by contacting customer care via email or phone M-F 9am - 7PM.
-
- Email: support@lescustomercare.zendesk.com
- Phone: 844-251-6524
WellReview: Optional Results Review
After receiving your results, you may schedule a confidential phone consultation with a health professional to review your lab results and ask questions.
You can sign up for a WellReview in the following ways:
- Through the WellConnect Plus portal and click the blue tile located above your results to schedule a call
- Cigna members: Enter full name, DOB and SSN
- Aetna members: Use visitor access code: MAG
- By clicking the link sent via email or text message once your results are available
- If you do not schedule your WellReview after receiving your results, a reminder email will be sent approximately 15 days later.
Consultations are available in both English and Spanish.
Complete your WellReview consultation by October 31, 2026 to qualify for an additional $25 wellness incentive.
Share with Your Physician
You are encouraged to share your biometric screening results with your primary care physician, especially if follow-up care or additional testing is recommended.
Have benefit questions?
Contact Stepping Stones Unlimited
(855) 937-4959, 8 a.m.-6 p.m. CST (English and Spanish speakers available)
