Form 5500 · Employee benefit plan · MEDFORD, OR
LITHIA MOTORS INC
The filing calls this plan LITHIA MOTORS INC CAFETERIA PLAN.
Public Form 5500 records show how LITHIA MOTORS INC of MEDFORD, OR, a retail employer, structures its employee benefits. Its broker of record is THE PARTNERS GROUP LTD. Coverage is written through THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA and 5 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 93-0572810 · plan 503 · plan year 2025, filed Aug 25, 2026
Get an email when this employer files a new Form 5500, and again about four months before its plan renews.
744 other employer plans in Oregon 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 3 insured health contracts, with KAISER FOUNDATION HEALTH PLAN, INC., covers 1,115 of 21,413 participants (5.2%) on Schedule A.
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 11 insured contracts covering health, dental, vision, life and disability; the largest, with THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA, covers 21,577 people.
Reported premium across the insured contracts is $37,061,664, with $2,183,650 in disclosed broker commissions — about 5.9% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in July. The plan is on a split renewal cycle.
THE PARTNERS GROUP LTD is the broker of record on 4 of the 11 contracts; the rest name a different broker or none.
6 carriers appear on the filing, including THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA, KAISER FOUNDATION HEALTH PLAN, INC., WILLAMETTE DENTAL INSURANCE, INC. and CURALINC LLC. THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 21,577 | Jan 1, 2026 | $11,504,360 | $1,444,278 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental, Vision | 13,455 | Jan 1, 2026 | $10,921,112 | $722,619 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Disability | 1,602 | Jan 1, 2026 | $923,234 | $13,849 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Disability | 674 | Jan 1, 2026 | $190,323 | $2,904 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 1,115 | Jan 1, 2026 | $7,235,729 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 644 | Jan 1, 2026 | $3,976,566 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 261 | Jan 1, 2026 | $1,549,992 | $0 |
| WILLAMETTE DENTAL INSURANCE, INC. | Dental | 1,118 | Jan 1, 2026 | $481,458 | $0 |
| CURALINC LLC | — | 23,240 | Jan 1, 2026 | $153,384 | $0 |
| HAWAII DENTAL SERVICE | Dental | 290 | Jan 1, 2026 | $105,831 | $0 |
| FOUR EVER LIFE INS CO. | — | 49,291 | Aug 1, 2025 | $19,675 | $0 |
Premium and claims on this contract
WILLAMETTE DENTAL INSURANCE, INC., contract OR262. For the contract year on this filing, the carrier reported $481,458 in premium earned and $375,849 in claims incurred. Dividing one by the other gives 78%.
- WILLAMETTE DENTAL INSURANCE, INC., contract OR262 reported $40,924 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.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Other plans filed by this employer
How this plan compares
Subscribers see how this compares with similar plans in Oregon. A subscription also adds this plan's filing history and the renewal calendar for its state. See plans and prices
Without an account you can open 10 employer, broker and carrier pages a day, including through an AI assistant, and 50 a day with a free account. Paid plans are what keep these records free to read.
Renewal calendar
744 other employer plans in Oregon 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.
Claude & ChatGPT
Look up records from Claude or ChatGPT
Add Form5500Lookup to Claude or ChatGPT and ask about any employer, broker or carrier in plain English. Lookups are free. Renewal lists, full books of business and exports are included with a subscription.
Building a list or a tool from these records? Match a list you already have from $29 per 1,000 records, or license the whole dataset as a weekly file for $499 a month. See both
More employer plans in Oregon — largest plans, brokers, carriers and renewal months.