Getting Started (accordion) 

When can I join?

You can join the plan on the first of the month after you’ve completed 3 months of service.

For example: If you start January 2, 2024, you will be eligible on April 2nd, 2024, and will be enrolled on May 1, 2024.

Does my employer contribute?

Mammini Company contributes $1.00 for every $1.00 you save, up to a 3% savings level. Later on, the company contributes $0.50 for every $1.00 you save, up to a 5% level. To receive employer contributions, you must contribute – even if it’s a small amount.

Don’t pass up free money!

To maximize your benefit from Mammini Company, aim to save at least 6%.

Beginning January 1, 2024, the Mammini Company match will double! If you save 5% they will add 4% to your 401(k) account.

What happens if I do nothing?

Automatic Enrollment: To make it easy, you automatically enroll in the 401(k) plan at a 6% savings level. Contributions are deducted from your paycheck before taxes, unless you make a different election.

If you do not wish to participate, you must login to opt out!

What if I need help deciding?

An advisor at Mammini Company can help you understand and navigate your financial decisions for your 401(k) and beyond!

Email us at info@mammini.com to set up an appointment to speak to a retirement plan advisor.

How do I enroll?

Go to 401k.com

What is a 401(k)?

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What is a Target Date Fund?

Is Roth or Pre-Tax better?

Need help?

A retirement plan advisor at Mammini Company can help you to understand and navigate your financial decisions for your 401(k) and beyond.

Email us at info@mammini.com to set up an appointment to speak to a retirement plan advisor.

Manage my 401k (accordion) 

How do I access my account?

Visit the record keeper website at: www.blahblahblah.com

What if I need advice?

An advisor at Mammini Company can help you to understand and navigate your financial decisions for your 4019k) and beyond!
Email us at info@mammini.com to set up an appointment to speak to a retirement plan advisor.

What if I need to take money out?

Saving in a retirement plan is, of course, intended to be a long-term investment for you. If you are over the age of 59.5 you can take an in-service distribution. 

Loans can be taken from employee deferrals only. The minimum loan is $1000 and the maximum loan is the lesser of 50% of your deferrals or $50,000. 

In the event of an emergency, the plan does allow for Hardship Distributions. 

Call us to discuss your situation at (854) 444-9750.

What if I change jobs?

Don’t worry; you don’t lose the savings you contributed. Your employer may have rules about how much of their employer contributions you get to keep. You can transfer your savings to another plan, a personal IRA, or, as a last resort, you can cash out.

Before you decide, an advisor at Mammini Company can help you understand and navigate your decisions for your 401(k) and beyond! (I am beginning to hate that phrase, please let’s mix it up a bit! -Cam)

Email us at info@mammini.com to set up an appointment to speak to a retirement plan advisor.

Should I designate beneficiaries?

In the event of your passing, your savings wil transfer into the ownership of your named beneficiaries. 

Make sure your named beneficiaries are up to date! The most common reasons to make changes are due to marriage, divorce, or having children.

Visit 401k.com to view and update your beneficiaries.

Cybersecurity: How do I protect my account?

Take the following steps to protect your account:

• Set up your online access and log on frequently.
  
• Use a strong username and password.
• Keep your contact information up to date.
• Enable multi-factor authentication.
• Use current anti-virus protection on all your devices.

Visit www.capitalgroup.com to view their cybersecurity policies.

How should I be saving?

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How should I know about investing?

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Help Beyond 401k (accordion) 

How can Mammini Company help me?

From helping you set your first budget to applying for social security, the advisors at Mammini Company can help you in any financial phase. 

Email us at info@mammini.com to set up an appointment to speak to one of our retirement plan advisors.

How much will it cost me?

 Financial coaching is part of your retirement benefit program. You’ll never get a bill for asking a question or requesting advice. 

Can I just talk to someone?

Of course! The advisors at Mammini Company can help you understand and navigate your financial decisions for your 401(k) and beyond. 

Call our office at (858) 444-9750 or email us at info@mammini.com to schedule an appointment.