Part of Penske Automotive Group Inc

Penske Automotive Group Employee Stock Ownership

2555 TELEGRAPH ROAD

BLOOMFIELD HILLS, MI 483020954

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 Penske Automotive Group Employee Stock Ownership'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· Signing Up 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

Penske Automotive Group Employee Stock Ownership

Signing Up MoreParticipation Rate · 3-Year Trend
82%actively saving · 2022 → 2025
Up 1.8 pts over 3 filings — more employees signing up. Sourced from DOL Form 5500.
2022
2023
2025
13,219 → 13,303 active savers · Workforce footprint
Employer Contribution / Participant
$2,199
vs $852 National Median
Employer Percentile
Top 25%
Higher than 86% of peers
Where this sits vs national auto-dealer peers.

More participants are actively saving — the participation rate is climbing as employees sign up. 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
86th
percentile
WorkhorseRacehorse
Median

Benchmark Scorecard

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

Employer Contribution / Participant
$2,199
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
$5,724
vs $3,435 National Median
Top 25% 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
$93,595
vs $48,309 National Median
Top 25% Nationally

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

Employer Contributions
$29,254,664
Latest source filing

Total annual employer contribution from the latest DOL filing.

Plan Assets
$1245.1M
Latest source filing

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

Plan Participants
13,303
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.Golling Automotive Group
BLOOMFIELD HILLS, MI • 0 mi
Contributes / participant
$1,908
2.Mike Savoie Chevrolet, Inc
TROY, MI • 7 mi
Contributes / participant
$1,835
3.Suburban Employee Services, Llc
TROY, MI • 7 mi
Contributes / participant
$944
4.Honda Of Bloomfield
BLOOMFIELD, MI • 1 mi
Contributes / participant
$815
5.Great Lakes Auto Superstore Llc
WATERFORD, MI • 3 mi
Contributes / participant
$514
6.U.S. Auto Group Limited
BIRMINGHAM, MI • 6 mi
Contributes / participant
$0
Mercedes Benz Bloomfield Hills
BLOOMFIELD HILLS, MI • 5 mi
Ranking available
Thunder Bay Cdjr Acquisition Llc
BIRMINGHAM, MI • 6 mi
Ranking available
Jeff Cauley, Llc
WEST BLOOMFIELD, MI • 6 mi
Ranking available
Troy Honda
TROY, MI • 7 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
$55
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
40.0×
Peer median 4.4×
Top 10% — best value

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
Top 25%
Higher than 86% of peers
4966 valid peers
MI Dealers
Top 10%
Higher than 94% of peers
240 valid peers
null Dealers
Insufficient peer data
Below 10 valid peers — ranking hidden
Contribute plan data
Similar-Size Dealers
Top 10%
Higher than 95% 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, 2025

Employer Contribution / Participant
Annual employer match & profit share per active participant.
Your Plan$2,199
Industry Avg$8524966 peers
Gap vs Avg+$1,347(+158%)above avg
Percentile86th
Participant Contribution / Participant
Employee deferrals per active participant.
Your Plan$5,724
Industry Avg$3,4355531 peers
Gap vs Avg+$2,289(+67%)above avg
Percentile88th
Plan Assets / Participant
Total plan assets per active participant.
Your Plan$93,595
Industry Avg$48,3095605 peers
Gap vs Avg+$45,286(+94%)above avg
Percentile81th
Admin Cost / Participant
All-in administrative expenses per participant. Lower is better.
Your Plan$55
Industry Avg$16051 peers
Gap vs Avg−$105(-66%)below avg
Percentile10th
Admin Cost (bps of Assets)
Admin expenses as basis points of plan assets. Lower is better.
Your Plan6 bps
Industry Avg30 bps51 peers
Gap vs Avg−24 bps(-80%)below avg
Percentile7th
Fee-to-Outcome Ratio
Employer $ generated per $1 of admin spend. Higher is better.
Your Plan40.0×
Industry Avg4.4×44 peers
Gap vs Avg+35.6×(+815%)above avg
Percentile95th

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.

202220232024202504k7k11k14k
Active-Saver Trajectory increased +0.6% 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 SponsorPENSKE AUTOMOTIVE GROUP, INC.
Plan NamePENSKE AUTOMOTIVE GROUP EMPLOYEE STOCK OWNERSHIP 401(K) PLAN
EIN Members223086739
Plan Number005
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)13,303
Plan Assets$1245.1M
Employer Contributions$29,254,664
Participant Contributions$76,143,106
Total Contributions$105,397,770
Plan Type401(k) + Profit Sharing + 401(m)
Source FormDOL Form 5500
Source Filing ID20260619120236NAL0004064337001
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Leadership & Contacts

Who runs Penske Automotive Group Employee Stock Ownership

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

R••• P••••
Chair of the Board and CEO
R••• J••••
President
S••• H••••
Executive Vice President and Chief Financial Officer
C••• I••••
Executive Vice President, Human Resources
S••• S••••
Executive Vice President, General Counsel and Secretary
A••• F••••
Vice President and Corporate Controller
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