Bertera Dealerships

526 RIVERDALE STREET

WEST SPRINGFIELD, MA 01089

Latest Filing: 2025Financial Data Through: 2025Source: DOL Form 5500

Plan Data Available

Source-backed retirement-plan information is available to benchmark this dealership.

Report found

We found Bertera Dealerships's 401(k) profile.

Here's an honest preview of what's available on this profile. Scroll down for the full breakdown, or tell us who you are and we'll point you to the right next step.

What's available

4 of 6 sections

Participation trend· Opting Out More
Employer contribution benchmark· Ranked vs national peers
Fee analysis· All-in cost benchmarked
Asset performance trend· Needs 3+ filing years
Historical filings· 4 filing years
Recordkeeper· Not identified

Which best describes you?

The leading signal

Bertera Dealerships

Opting Out MoreParticipation Rate · 3-Year Trend
85%actively saving · 2022 → 2025
Down 2.1 pts over 3 filings — more employees opting out. Sourced from DOL Form 5500.
2022
2023
2025
240 → 225 active savers · Workforce footprint
Members Only
Employer Contribution / Participant
$412
vs $852 National Median
Employer Percentile
Room to Grow
Bottom 72% of peers
Where this sits vs national auto-dealer peers.

Fewer participants are actively saving — the participation rate is slipping as more employees opt out or go inactive. Employer contribution per participant is below the national median — the dealership's own investment in the plan has not yet caught up to how engaged its savers are. A separate workforce-retention watch flags a sustained decline in active savers — participation strength is not the same as headcount stability.

Benchmark Scorecard

Observable, source-backed metrics. No inferred grades or quality scores.

Members
Employer Contribution / Participant
$412
vs $852 National Median
Room to Grow Nationally

The lagging confirmation of plan health. Below median signals under-investment in workforce retention — the dollar has yet to follow the leading active-saver signal.

Members
Participant Contribution / Participant
$2,552
vs $3,435 National Median
Room to Grow Nationally

The leading signal of plan engagement. A rising trajectory precedes the lagging employer-contribution dollar; below median can signal gaps in auto-enrollment or plan design.

Plan Assets / Participant
$60,691
vs $48,309 National Median
Above Median Nationally

How seasoned the workforce is. Below national median can also indicate higher-than-needed employee turnover.

Members
Employer Contributions
$92,688
Latest source filing

Total annual employer contribution from the latest DOL filing.

Plan Assets
$13.7M
Latest source filing

The retirement pool employees are building. Larger pools reflect longer-tenured workforces.

Plan Participants
225
Latest source filing

Active employees covered by the plan — the scope of the dealership's retirement offering.

Local Dealerships with a More Competitive 401(k) Plan

Every comparable dealership we track in MA, ranked by employer contribution per participant. Names and locations are public; head-to-head contribution numbers unlock when you verify your dealership email.

1.Marcotte Ford Sales Inc
HOLYOKE, MA • 4 mi
Contributes / participant
$2,243
2.Sarat Ford Sales, Inc
AGAWAM, MA • 2 mi
Contributes / participant
$911
3.Fathers & Sons, Inc.
WEST SPRINGFIELD, MA • 2 mi
Contributes / participant
$635
4.Balise Motor Sales Company
WEST SPRINGFIELD, MA • 2 mi
Contributes / participant
$531
5.Mercedes Benz Of Springfield
CHICOPEE, MA • 5 mi
Contributes / participant
$261
Central Chevrolet, Inc
WEST SPRINGFIELD, MA • 2 mi
Ranking available
Gary Rome Auto Group
HOLYOKE, MA • 4 mi
Ranking available
Burke Chevrolet Inc
NORTHAMPTON, MA • 15 mi
Ranking available
Steve Lewis Subaru, Inc
HADLEY, MA • 16 mi
Ranking available
Edward H. Spencer, Inc.
WARREN, MA • 23 mi
Ranking available

No credit card. Verify with your dealership work email and every contribution number in this list unblurs — plus your own full benchmark.

Source: U.S. Department of Labor Form 5500. Peer contribution amounts unlock with a verified dealership email or an advisor pass.

Plan Cost Benchmark

Is this plan overpaying for what employees get? Three observable cost metrics from the public filing — peer percentiles are public; your own dollar figures unlock through Fiduciary Tier.

Source: DOL Form 5500 Schedule H, 2025

Admin Cost / Participant
$39
Peer median $160
Cheapest 10% of peers

All-in administrative expenses per active participant. Lower is better.

Admin Cost (bps of Assets)
6 bps
Peer median 30 bps
Cheapest 10% of peers

Administrative expenses as basis points of plan assets. Lower is better.

Fee-to-Outcome Ratio
10.5×
Peer median 4.4×
Better value than most peers

Employer contribution generated per $1 of admin spend. Higher is better.

All-In Plan Cost

The total cost of running this plan — recordkeeping, administration, custody, advisory, and fiduciary fees — as a percentage of plan assets. Community-sourced from the dealership's own 408(b)(2) fee disclosure.

Not yet contributed

The all-in cost comes from a dealership's own fee disclosure. Verify your dealership email and contribute your plan data to publish it here — and unlock the benchmarked cost analysis.

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Peer Position

Where this dealership ranks on Employer Contribution / Participant across cohorts of similarly comparable dealerships.

National Auto Dealers
Room to Grow
Bottom 72% of peers
4966 valid peers
Members
MA Dealers
Room to Grow
Bottom 67% of peers
106 valid peers
Members
null Dealers
Insufficient peer data
Below 10 valid peers — ranking hidden
Contribute plan data
Similar-Size Dealers
Room to Grow
Bottom 71% of peers
475 valid peers
Members

Engagement Trajectory

Active-saver trajectory is the leading signal; employer contribution is the lagging confirmation. Public filings from 2022 to 2025. Missing years are not interpolated.

2022202320242025065130195260
Active-Saver Trajectory declined -6.3% from 2022 to 2025. This is the leading signal of plan engagement — the lagging employer-contribution dollar tends to follow.
Years available: 2022, 2023, 2024, 2025

Reported Plan Data

The public filing record behind every metric on this page — for audit and trust.

Plan SponsorAMB & RG ENTERPRISES, LLC
Plan NameBERTERA DEALERSHIPS 401(K) PLAN & TRUST
EIN Members522239317
Plan Number002
RecordkeeperNot yet contributed — contribute plan data
Waiting PeriodNot reported on this filing — contribute plan data
Trustee / Custodian—
Custodian Phone—
Recordkeeping Fees—
Latest Filing Year2025
Financial Data Year2025
Participants (active, EOY)225
Plan Assets$13.7M
Employer Contributions$92,688
Participant Contributions$574,102
Total Contributions$666,790
Plan Type401(k) + Profit Sharing + 401(m)
Source FormDOL Form 5500
Source Filing ID20260423113810NAL0007541968001
Verify your dealership email

Verify your dealership email to unblur your numbers and the local competitive field.

Enter your work email at Bertera Dealerships and we’ll send a code. Once verified, every contribution number on this page unblurs — your own benchmark and the full local competitive field — and you can schedule a free call to improve your standing. No credit card.

Your email is used only to verify you work at this dealership. No credit card, no auto-bill.

Members only

Bertera Dealerships's full 401(k) benchmark is reserved for members.

Some of the benchmarking details on this plan are sensitive, so they aren't published publicly — they're available with a paid membership. One way to start moving this plan up: flag it to a decision-maker below so we can bring the matter to them and offer a solution.

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Is this your dealership — or one you know? Send this to an Owner, CFO, or HR contact so we can bring the matter to their attention and offer a solution. You can nominate anonymously.

Sensitive benchmarking details aren't published publicly; they're available with a paid membership. Email addresses are used only to start this conversation and are never sold.

Leadership & Contacts

Who runs Bertera Dealerships

Senior executives surfaced from public sources. Verify your access to view names and emails.

A••• B••••
President
R••• B••••
Co-Founder
S••• S••••
General Manager
S••• B••••
General Manager
H••• S••••
Finance Manager
A••• G••••
Director of Information Technology
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