HDR, Inc. 401(k) Review & Grade
HDR, Inc. Best Plan and Esop
Omaha, NEProfessional, Scientific & Technical Services11,798 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,207Employer $ per active participant
$13,958Employee $ saved per active participant
0.02%Direct admin cost, % of plan assets
$7.7BNet plan assets, end of year
$482,990Average balance per account
Score breakdown
- Employer generosity18.1 / 5036th percentile for employer $ per participant
- Low cost22.1 / 2589th percentile for low admin cost vs. same-size plans
- Employee saving13.0 / 1587th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
- Red-flag deductions-3 pts1 issue reported on the filing
Total score50 / 100 · Grade C
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 10,000+ active participants (70 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 36th |
| Lower admin cost | 89th |
| Employee saving | 87th |
| Peers that auto-enroll | 39% |
Red flags from the filing
Corrective distributions: the plan refunded $781,742 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- HDR put in about $2,207 per active participant, below the typical peer ($2,932). Any match is still an instant return, so contribute enough to get all of it.
- 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.
- 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 | $26,034,123 |
| Participant (employee) contributions | $164,678,373 |
| Other contributions (incl. rollovers in) | $98,313,612 |
| Administrative expenses paid from the plan | $1,649,736 |
| Contract administrator fees | $428,144 |
| Investment advisory & management fees | $411,901 |
| Benefits paid out | $475,237,175 |
| Net assets, start / end of year | $6.3B / $7.7B |
| Active participants, start / end of year | 11,460 / 12,137 |
| Participants with account balances | 15,939 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Ernst & Young |
| Employer stock held by plan | $5,860,970,175 |
Largest service providers (Schedule C)
| Schwab Retirement Plan Services,inc | $817,629 reported compensation |
| Principal Life Insurance Company | $231,413 reported compensation |
| Argent Trust Company | $201,925 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251105072606NAL0005483251001, received 2025-11-05, EIN 47-0663756, plan #007, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.
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