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Willow Park Benefits Group

Central Point, OR · NAICS 524210 Insurance Agencies and Brokerages

Tax year 2026
Prepared by Sofia Vaughn
Medford, OR office
Section 1

Executive Summary

Willow Park Benefits Group generated $15,517,000 of revenue in 2026 with 64 employees, producing an EBITDA margin of 26.6% against a peer median of 24.7%. Compared with 150 similar businesses, performance is strongest in liquidity and warrants examination in tax efficiency. Total benchmark variance across all categories is $611K.

Section 2

Company Snapshot

Revenue
$15.52M
Employees
64
Entity type
C Corporation
Years in business
1
Gross margin
88.9%
EBITDA margin
26.6%
Net margin
19.1%
Effective tax rate
22.9%
Section 3

Peer Group Definition

150 businessesNAICS 524210 — Insurance Agencies and BrokeragesORRevenue $7.8M–$24.8M32–90 employeesTax year 2026

Comparison sample size 150; NAICS 524210; revenue range $7.80M$24.80M; geographic filter OR. Data availability for this client: 66% coverage across tax return, financial statements, payroll and employee records.

Section 4

Financial Performance

Line item (% revenue)CompanyPeer medianTop 25%
Revenue100.0%100.0%100.0%
Cost of Goods Sold11.1%14.6%12.7%
Gross Profit88.9%85.4%87.3%
Payroll41.9%38.9%34.8%
Benefits5.5%6.4%5.4%
Occupancy3.4%4.3%3.7%
Marketing2.3%2.6%2.9%
Insurance1.1%1.2%1.1%
Professional Fees1.8%1.7%1.5%
Administrative & Other4.9%4.9%4.4%
EBITDA26.6%24.7%28.9%
Depreciation1.2%1.1%1.0%
Interest0.6%0.7%0.6%
Net Income19.1%18.2%22.0%
Section 5

Profitability and Operational Efficiency

Growth
81st
Profitability
71st
Labor Efficiency
40th
Operating Efficiency
66th
Liquidity
86th
Leverage
81st
Tax Efficiency
31st
Asset Efficiency
50th
Section 6

Balance Sheet

Current Ratio
5.61
median 4.42
Quick Ratio
5.61
median 4.42
Debt / EBITDA
0.33
median 0.42
Debt / Equity
0.52
median 0.72
Days Sales Outstanding
31.62
median 36.48
Asset Turnover
3.46
median 3.51
Section 7

Tax Overview

Federal tax
$686,093
State tax
$193,513
Effective rate
22.9%
Section 179
$92,665
Owner compensation
$1,609,958
Owner distributions
$1,474,029
Retirement
$217,125
Capital expenditures
$234,198
Section 8

Industry Trends

YearRevenueGrowthGrossEBITDAPayroll %
2022$11.69M+8.5%88.4%28.1%45.4%
2023$12.03M+2.8%88.3%28.3%45.2%
2024$12.51M+4.0%88.6%27.3%46.5%
2025$14.07M+12.5%88.9%26.4%47.6%
2026$15.52M+10.3%88.9%26.6%47.4%
Section 9

Opportunities for Discussion

  • Payroll Efficiency. Total labor cost represents 47.4% of revenue against a peer median of 44.7%. Is the staffing model carrying capacity for growth, or absorbing margin?Benchmark variance $411K
  • Operating Expense Load. Operating expenses run 62.3% of revenue versus a peer median of 61.0%. Which expense categories account for the difference?Benchmark variance $200K
  • Owner Compensation Structure. Owner compensation represents 10.4% of revenue compared with a 9.6% median for comparable entities. Should compensation strategy be reviewed with the tax team?
  • Gross Margin Variance. Gross margin of 88.9% compares with a peer median of 85.4%. Where are direct costs and pricing diverging from comparable businesses?
  • Revenue per Employee. Revenue per employee of $242K compares with a peer median of $224K. Is productivity constrained by capacity, mix, or pricing?
  • Working Capital Position. Current ratio of 5.61 compares with an industry median of 4.42. How much liquidity headroom does the business need through its cycle?
  • Leverage Profile. Debt to EBITDA of 0.33x compares with a peer median of 0.42x. Does the capital structure match the asset base and cash cycle?
Section 10

Advisor Notes

Section 11

Methodology

Sorren Benchmark aggregates anonymized financial, tax, payroll and operational data across 60,000 businesses. Peer statistics report count, mean, median, 10th, 25th, 75th and 90th percentiles and standard deviation. Comparisons use normalized ratios rather than raw dollars. Statistics are released only where a cohort contains at least 10 businesses, and individual peer companies are never displayed. Benchmark variance expresses the mathematical difference between this company and its peer median; it is not a projection of savings, nor tax or investment advice.