The Greenbrier Companies, Inc. 401(k) Review & Grade
The Greenbrier Companies 401(k) Retirement Savings Plan
Lake Oswego, ORManufacturing2,216 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,053Employer $ per active participant
$5,423Employee $ saved per active participant
0.02%Direct admin cost, % of plan assets
$260.7MNet plan assets, end of year
$83,412Average balance per account
Score breakdown
- Employer generosity32.0 / 5064th percentile for employer $ per participant
- Low cost24.1 / 2596th percentile for low admin cost vs. same-size plans
- Employee saving8.6 / 1558th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score75 / 100 · Grade A
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 64th |
| Lower admin cost | 96th |
| Employee saving | 58th |
| Peers that auto-enroll | 59% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Greenbrier Companies put in about $3,053 per active participant, more than the typical peer ($2,320). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- The filing shows total dollars, not the match formula. Ask HR for the Summary Plan Description so you know the exact match and vesting schedule.
- Fund expense ratios aren't in the filing. Look them up in your 404(a)(5) fee disclosure and favor low-cost index or target-date funds.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- Changing jobs? You can usually leave the money in the plan, move it to your new employer's plan, or roll it into an IRA. Don't cash out: you'd owe taxes and possibly a 10% penalty.
The raw numbers from the filing
| Employer contributions | $6,763,336 |
| Participant (employee) contributions | $12,014,258 |
| Other contributions (incl. rollovers in) | $358,301 |
| Administrative expenses paid from the plan | $40,702 |
| Benefits paid out | $23,025,699 |
| Net assets, start / end of year | $233.6M / $260.7M |
| Active participants, start / end of year | 2,140 / 2,291 |
| Participants with account balances | 3,126 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | KBF Cpas-Audit, LLP |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company | $40,702 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009181303NAL0007429169001, received 2025-10-09, EIN 26-1269500, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.