Metal hydrides are critical materials in numerous technologies including hydrogen storage, gas separation, and electrocatalysis. Here, using Pd-H as a model metal hydride, we perform electrochemical insertion studies of hydrogen via liquid and solid state electrolytes at 1 atm ambient pressure, and achieve H:Pd ratios near unity, the theoretical solubility limit. We show that the compositions achieved result from a dynamic balance between the rate of hydrogen insertion and evolution from the Pd lattice, the combined kinetics of which are sufficiently rapid that operando experiments are necessary to characterize instantaneous PdHx composition. We use simultaneous electrochemical insertion and X-ray diffraction measurements, combined with a new calibration of lattice parameter versus hydrogen concentration, to enable accurate quantification of the composition of electrochemically synthesized PdHx. Furthermore, we show that the achievable hydrogen concentration is severely limited by electrochemomechanical damage to the palladium and/or substrate. The understanding embodied in these results helps to establish new design rules for achieving high hydrogen concentrations in metal hydrides.