It was my understanding that the cutoff is supposed to hit at 112. In mine it happens at an indicated 110. I think what's happening is that your speedometer is reading lower than most of ours do. Whether the actual speed is 105 or 110 I don't know.
96 GL Zetec ATX, white with pinstripe, nickname " Sam Smooth " mods so far: CTA intake with homemade heat shield, KVR drilled front rotors & carbon pads w/ 500° fluid planned mods: exhaust (want to keep it quiet), e-ram (awaiting installation), diablo chip involuntary mods: compression increased after head gasket failure
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