Part of Garber Management Group

Garber Management Group, Inc.

999 SOUTH WASHINGTON AVENUE

SAGINAW, MI 48601

Latest Filing: 2023Financial Data Through: 2023Source: DOL Form 5500

Plan Data Available

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

Report found

We found Garber Management Group, Inc.'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

3 of 6 sections

Participation trend· Holding Steady
Employer contribution benchmark· Ranked vs national peers
Fee analysis· Not reported on this filing
Asset performance trend· Needs 3+ filing years
Historical filings· 3 filing years
Recordkeeper· Not identified

Which best describes you?

The leading signal

Garber Management Group, Inc.

Holding SteadyParticipation Rate · 3-Year Trend
83%actively saving · 2022 → 2023
Down 0.4 pts over 2 filings — holding steady. Sourced from DOL Form 5500.
2022
2023
No trend yet · Workforce footprint
Employer Contribution / Participant
$1,641
vs $852 National Median
Employer Percentile
Top 25%
Higher than 76% of peers
Where this sits vs national auto-dealer peers.

The participation rate is holding steady — no clear sign-up or opt-out swing over the period. Employer contribution per participant is at or above the median, confirming the engagement. A separate workforce-retention watch flags a sustained decline in active savers — participation strength is not the same as headcount stability.

Secondary context · Employer-contribution standing
Workhorse ↔ Racehorse
Top 25% Nationally
76th
percentile
WorkhorseRacehorse
Median

Benchmark Scorecard

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

Employer Contribution / Participant
$1,641
vs $852 National Median
Top 25% 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.

Participant Contribution / Participant
$4,412
vs $3,435 National Median
Above Median 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
$47,845
vs $48,309 National Median
Above Median Nationally

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

Employer Contributions
$3,671,498
Latest source filing

Total annual employer contribution from the latest DOL filing.

Plan Assets
$107.0M
Latest source filing

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

Plan Participants
2,237
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 MI, ranked by employer contribution per participant. Names and locations are public; head-to-head contribution numbers unlock when you verify your dealership email.

1.Burt Watson Chevrolet Inc
FREELAND, MI • 11 mi
Contributes / participant
$1,499
2.Labadie Auto Company
BAY CITY, MI • 12 mi
Contributes / participant
$747
3.Wilson Ford Lincoln
SAGINAW, MI • 3 mi
Contributes / participant
$564
4.Hagen Ford, Inc
BAY CITY, MI • 14 mi
Contributes / participant
$554
5.Graff Chevrolet
BAY CITY, MI • 14 mi
Contributes / participant
$534
6.Burt Watson Ford, Llc
FREELAND, MI • 11 mi
Contributes / participant
$464
7.Wieland Sales, Inc.
SAGINAW, MI • 4 mi
Contributes / participant
$323
8.Mcdonald Pontiac-Gmc-Cadillac- Oldsmobile, Inc.
SAGINAW, MI • 4 mi
Contributes / participant
$89
Mike Young Buick Gmc
FRANKENMUTH, MI • 12 mi
Ranking available
Schaefer & Bierlein Inc
FRANKENMUTH, MI • 13 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.

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
Top 25%
Higher than 76% of peers
4966 valid peers
MI Dealers
Top 25%
Higher than 83% of peers
240 valid peers
null Dealers
Insufficient peer data
Below 10 valid peers — ranking hidden
Contribute plan data
Similar-Size Dealers
Top 25%
Higher than 88% of peers
261 valid peers

How You Compare

A side-by-side read of this dealership’s plan against the national industry average — and the gap you need to close to reach the peer median.

Peer averages from the DOL Form 5500 national dataset, 2023

Employer Contribution / Participant
Annual employer match & profit share per active participant.
Your Plan$1,641
Industry Avg$8524966 peers
Gap vs Avg+$789(+93%)above avg
Percentile76th
Participant Contribution / Participant
Employee deferrals per active participant.
Your Plan$4,412
Industry Avg$3,4355531 peers
Gap vs Avg+$977(+28%)above avg
Percentile70th
Plan Assets / Participant
Total plan assets per active participant.
Your Plan$47,845
Industry Avg$48,3095605 peers
Gap vs Avg−$464(-1%)below avg
Percentile50th
Admin Cost / Participant
All-in administrative expenses per participant. Lower is better.
Your Plan—
Industry AvgInsufficient peer dataContribute plan data
Gap vs Avg—
Percentile—
Admin Cost (bps of Assets)
Admin expenses as basis points of plan assets. Lower is better.
Your Plan—
Industry AvgInsufficient peer dataContribute plan data
Gap vs Avg—
Percentile—
Fee-to-Outcome Ratio
Employer $ generated per $1 of admin spend. Higher is better.
Your Plan—
Industry AvgInsufficient peer dataContribute plan data
Gap vs Avg—
Percentile—

Engagement Trajectory

Active-saver trajectory is the leading signal; employer contribution is the lagging confirmation. Public filings from 2022 to 2024. Missing years are not interpolated.

20222023202406001k2k2k
Fewer than three annual filings with usable values — no trend available for active-saver trajectory.
Years available: 2022, 2023, 2024

Reported Plan Data

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

Plan SponsorGARBER MANAGEMENT GROUP, INC.
Plan NameGMG EMPLOYEES SAVINGS PLAN
EIN Members381280515
Plan Number003
RecordkeeperNot yet contributed — contribute plan data
Waiting PeriodNot reported on this filing — contribute plan data
Trustee / Custodian—
Custodian Phone—
Recordkeeping Fees—
Latest Filing Year2023
Financial Data Year2023
Participants (active, EOY)2,237
Plan Assets$107.0M
Employer Contributions$3,671,498
Participant Contributions$9,870,560
Total Contributions$13,542,058
Plan Type401(k) + Profit Sharing + 401(m)
Source FormDOL Form 5500
Source Filing ID20241014141454NAL0027529041001
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Leadership & Contacts

Who runs Garber Management Group, Inc.

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

R••• G••••
President
P••• H••••
Secretary/Treasurer / CFO
R••• S••••
Chief Technology Officer
K••• P••••
Managing Partner / General Manager
B••• D••••
Controller
R••• E••••
Corporate Digital Marketing Director
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