HDR, INC. BEST PLAN AND ESOP Contribution & Employer Match
How HDR, INC. Supports Your Retirement Savings
HDR, INC. provides retirement savings benefits through HDR, INC. BEST PLAN AND ESOP. Understanding your employer’s contribution structure is essential — it directly affects how quickly your retirement nest egg grows. Below you will find the plan’s average account values and contribution patterns based on publicly filed data.
HDR, INC. BEST PLAN AND ESOP Average Participant Retirement Account Value
HDR, INC. BEST PLAN AND ESOP Estimated Average Employee Contribution Amount
1,364,149.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 21,314.00 in HDR, INC. BEST PLAN AND ESOP, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in HDR, INC. BEST PLAN AND ESOP
An employer match is one of the most valuable benefits in any 401(k) plan — it is essentially free money added to your retirement savings. Your employer contributes additional funds based on a percentage of your own contributions. Missing out on the full match is one of the most common and costly retirement mistakes employees make.
HDR, INC. BEST PLAN AND ESOP Total Employer Contribution and Match Rate
HDR, INC. BEST PLAN AND ESOP Estimated Average Employer Match
Investing in this additonal $1,684.00 for 20 years would give you extra $107,829.00, assuming a 10% annual return.
* Data are from public filings.
Are You Leaving Dollars on the Table?
If you are not contributing enough to capture the maximum employer match, you are literally turning down part of your compensation. For many plans, this can mean thousands of dollars per year in lost employer contributions — money that would compound over decades.
Use the policy details and calculator below to find out exactly how much you need to contribute to capture every dollar of employer matching.
HDR, INC. BEST PLAN AND ESOP Contribution & Match Policy
HDR, INC. BEST PLAN AND ESOP Contribution, Match and Other Plan Policies
- Each year, participants may contribute up to 80% of their pretax and after-tax annual compensation up to the maximum allowed by the Internal Revenue Code (the Code).
- Employees are automatically enrolled at a rate of 6% unless they actively elect not to participate.
- Pretax deferral elections less than 15% of participant wages are subject to an automatic 1% increase, unless otherwise directed by Plan participants.
- For 2024 and 2023, the employer matching contribution is 100% of the first 5% contributed by an individual.
- One half of the first 4% of the contribution is in the form of HDR Common Stock allocated to the Plan directed portion of the Plan occurring once per year with the other half being in the form of cash allocated to the participant directed portion of the Plan.
- The remaining 1% match is made in HDR Common Stock allocated to the Plan directed portion of the Plan up to 5%.
2025 IRS 401(k) Contribution Limits
The IRS sets annual limits on how much you and your employer can contribute to a 401(k) plan. Knowing these limits helps you maximize tax-advantaged savings. Here are the current limits:
| 2024 | 2025 | |
|---|---|---|
| Employee elective deferrals (pretax + Roth) | $23,000 | $23,500 |
| Employee + employer contributions combined | $69,000 | $70,000 |
| Catch-up contributions (age 50+) | $7,500 | $7,500 |
| Enhanced catch-up (ages 60–63, SECURE 2.0) | N/A | $11,250 |
The power of maxing out: If you contribute the full $23,500 annually for 20 years at a 10% average annual return, you would accumulate approximately $1,505,256. If you can maximize the combined employee+employer limit of $70,000 per year, that grows to roughly $4,480,385 over the same period — more than triple.
Use the 401(k) Savings Calculator to model your specific contribution scenario and see how your savings can grow over time.
Get Key Insights for This Plan
Join our community and get data-driven insights about HDR, INC. BEST PLAN AND ESOP. See how it compares to peer companies in fees, match generosity, and investment quality as soon as our new ranking reports go live.
Notify Me When Ratings Go LiveExplore More Plan Resources
Recent Articles
- Delta’s 401(k): 9% Employer Contribution, 367 Funds, and a Smart Auto-Escalation Design
- Providence Health’s 100% Match on 6% and $600M Pay Raise: What Employees Need to Know
- Meta’s 401(k): 50% Match, Immediate Vesting, and $670M on the Table
- Making Sense of Mixed Signals
- Nike’s 401(k) Match Is Dollar-for-Dollar, Even When the Swoosh Is Struggling
- Tesla 401(k) Review: 50% Match Up to $3,000 — Is That Enough for TSLA Employees?
Puzzled on what to invest?
- We ask a few questions to decide your personal return and risk expectations
- We build a custom portfolio for your plan (401(k), 403(b), 529 …) or for a brokerage account
- We monitor and send timely rebalance emails on what investment funds to buy and sell
Looking for ideas to generate income?
- ETF or mutual fund income portfolios for 4-7% annual income
- Dividend stock funds
- Passive real estate investments
- more …
Portfolio Calculator (Simulator)
Customize Asset Allocation Portfolios
Retirement Calculator
Investment Calculator
Looking for a (forgotten) 401(k)?
Find plan contact info, plan expenses, investment options, rollover your old plan, or learn how to select investments on your 401k plan …
Keep researching HDR, INC. BEST PLAN AND ESOP
Use the links below to move from this plan page into calculators, related retirement articles, and comparable plans in a similar industry or size band. That gives you a faster way to compare match design, fees, investments, and savings strategy in context.
Related Calculators
- 401(k) Employer Match Calculator
- Investment Fee Impact Calculator
- Mega Backdoor Roth 401(k) Calculator
Related Plans
- STANTEC 401(K) PLAN (16,026 participants, $2,318,376,151)
- JACOBS ENGINEERING GROUP, INC. 401K PLUS SAVINGS PLAN AND TRUST (14,804 participants, $4,405,255,800)
- PARSONS CORPORATION RETIREMENT SAVINGS PLAN (16,448 participants, $2,274,724,861)
- ARCADIS U.S., INC. RETIREMENT SAVINGS PLAN (11,728 participants, $2,259,964,434)
- BURNS & MCDONNELL, INC. 401(K) SAVINGS PLAN (11,725 participants, $2,064,163,575)