I'm similar to Millcreek in my ratios. I got 4.67% in the Vanguard (taxable and tax deferred combined), and 4.73% in the TSP.
My shocker this year was my "substitute for gambling" Ameritrade account where I play with individual stocks. I pulled 37.7%. Sadly, it's the account with the least amount of money in it.
I attribute it to luck, some skill, and hard experience (because it's certainly done less well in years past). In February, I threw a bunch of dough into increasing positions in good stocks I had that got sucked down in the wash that month, plus bought some BP and AT&T which have done very well since then. Also my BofA stock went up a lot, and I bought Deutsche Bank at $11.50 in October, when everyone said it was on death's door.
I'm still happy with the Vanguard and the TSP, as I plan my retirement using the 4% rule. Conservative, but it makes me feel more confident about having a comfortable income flow through retirement.