Welcome to the
Alvarado Orthopedic Medical Group 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 Alvarado Orthopedic Medical Group 401(k) Plan is designed to help you prepare for retirement with
generous employer contributions and flexible savings options.

🎉 Employer Match Contribution 

Alvarado Orthopedic Medical Group provides a Safe Harbor contribution to your 401(k) account.
You may also receive additional discretionary profit-sharing contributions each year.
This is extra money to help you save for retirement.

Plan Highlights

  • Eligibility: Age 21 + 1 year of service (1,000 hours).
  • Entry Date: 1st day of Plan Year or 7th month after 
                     reaching eligibility.
  • Employer Match: 3% non-elective Safe Harbor Match
  • Profit Sharing: Discretionary
  • Roth Option: Available
  • Loans: Loans are available one at a time with a minimum of $1,000. Standard Loan Rules apply.

Vesting Schedule

Your employer contributions vest according to the following schedule:

Service PeriodVested %
Less than 2 years0%
2 years20%
3 years40%
4 years60%
5 years80%
6+ 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 help make the most of your 401(k) plan benefits.

Enroll in the Plan

You're immediately eligible to participate once you turn 21. 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, Alvarado Orthopedic pays 3% 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.

Retirement Savings Strategies

Learn useful strategies to help you prepare successfully and confidently for retirement.

Frequently Asked Questions

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


When can I start participating in the plan? ▼
You're eligible once you've reached age 21 and completed 1 year of service with at least 1,000 hours worked. Your participation begins on the 1st day of the plan year or the 7th month after you meet either requirement.
How much does Alvarado contribute? ▼
Alvarado Orthopedic Medical Group provides a Safe Harbor 3% contribution to your account whether you contribute or not.
What is vesting, and how does it work? ▼
Vesting determines your ownership of employer contributions. Your own contributions, rollovers, and Safe Harbor contributions are always 100% yours. Profit-sharing contributions vest on a 6-year graded schedule: 0% under 2 years, 20% at 2 years, 40% at 3 years, 60% at 4 years, 80% at 5 years, and 100% at 6 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 American Funds 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 americanfunds.com/retire.
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.

🔐 Account Access
Log in to view your balance, change investments, and manage your account.

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.