Welcome to the
CRO Services, LLC 401(k) Plan!

Your future starts today. Learn about your retirement benefits and start building the future you deserve.

Access Your Account

Our History

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Plan Overview

The CRO Services 401(k) Plan is designed to help you save for retirement with
generous employer contributions and flexible savings options.

🎉 Employer Match Contribution 

CRO Services provides a Safe Harbor contribution to your 401(k) account. Depending on your role with the organization and the financial performance of CRO, you may also receive additional discretionary profit-sharing contributions each year. These contributions are meant to support your efforts to save for retirement.

Plan Highlights

  • Eligibility:No Age or service requirement (excluding union and non-resident aliens).
  • Entry Date:Immediately upon eligibility.
  • Employer Match: Safe Harbor 3% nonelective contribution.
  • Profit Sharing: Discretionary
  • Roth Option: Available
  • Loans: Allowed one at a time. Standard loan rules apply.

Vesting Schedule

Vesting determines your ownership of employer contributions. Your own contributions and Safe Harbor match contributions are always 100% yours. Other Profit-Sharing employer contributions vest on a 3-year graded schedule:

Service PeriodVested %
Less than 1 year0%
1 to 2 years33%
2 to 3 years66%
3+ years100%

Your own contributions are always 100% vested.

Our History

Enroll Today!

Learn how to enroll in your 401(k), choose your contribution rate, and understand how the employer match helps grow your retirement savings.

Getting Started

Follow these simple steps to make the most of your 401(k) plan benefits.

Enroll in the Plan

You're immediately eligible to participate. Contact Mammini Company to begin your enrollment or access your account online.

Choose Your Contribution Rate

Decide how much you want to contribute from your paycheck. Remember, CRO Services LLC contributes 3% of your compensation regardless of your elections!

Select Your Investments

Choose from a variety of investment options that match your retirement goals, risk tolerance, and time horizon.

Review Regularly

Check your account periodically and adjust your contribution rate or investments as your life circumstances change.

💡 Pro Tip

Consider increasing your contribution percentage over time. Even small increases can
make a significant difference in your retirement savings!

📚 Educational Resources

Watch these videos to learn more about your 401(k) plan and retirement planning.

Enrollment Meeting

Learn how to enroll in your 401(k), choose your contribution rate, and understand how the employer match helps grow your retirement savings.

Traditional vs. Roth

Understand the difference between traditional pre-tax and Roth after-tax contributions, and which might be right for you.

What is a Target Date Fund?

Discover how target date funds work and how they can simplify your retirement investment strategy.

Frequently Asked Questions

Quick answers to common questions about your 401(k) plan.


When can I start participating in the plan? ▼
There is no age or service requirement to participate. You’re eligible immediately upon hire, as long as you are not a union employee or non-resident alien.
How much does CRO Services LLC contribute? ▼
CRO Services provides a Safe Harbor contribution to your 401(k) account of 3% of your compensation, whether you elect to contribute or not.
What is vesting, and how does it work? ▼
Vesting determines your ownership of employer contributions. Your own contributions and Safe Harbor match contributions are always 100% yours. Other employer contributions (match and non-elective) vest on a 3-year graded schedule: 0% under 1 year, 33% after 1 year, 66% after 2 years, and 100% at 3 or more years.
Can I take a loan from my 401(k)? ▼
Yes, loans are permitted. You may have one loan outstanding at a time, up to the lesser of $50,000 or 50% of your vested balance. General-purpose loans must be repaid within 5 years. Contact John Hancock directly to request a loan or get more details.
What's the difference between Traditional and Roth contributions? ▼
Traditional 401(k) contributions are made with pre-tax dollars (reducing your current taxable income), and you pay taxes when you withdraw in retirement. Roth 401(k) contributions are made with after-tax dollars, but qualified withdrawals in retirement are tax-free. Both options are available under your plan.
How do I change my contribution amount or investments? ▼
You can update your contribution rate or investment elections at any time by logging into your account online at myplan.johnhancock.com.
What happens to my account if I leave the company? ▼
You keep your vested balance. You can roll it over to an IRA or a new employer’s plan, leave it in the plan if eligible, or take a distribution subject to applicable taxes and penalties. Accounts of $5,000 or less may be automatically distributed.

Resources & Documents

Access important plan documents and helpful resources to guide your retirement planning journey.

📄 Summary Plan Description (SPD)

Complete details about your plan benefits, rules, and features. Contact Mammini Company at (858) 444-9750 to request this document.

📋 Plan Highlights

Quick reference guide with key plan information at a glance. Contact Mammini Company to request this document.

Contact Us

Have questions? We're here to help you make the most of your retirement benefits.


Mammini Company

📞 (858) 444-9750
✉️ info@mammini.com

Our team is ready to assist you with enrollment, account questions, and retirement planning guidance.

Securities offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser.