Welcome to the
T.B. Penick & Sons, Inc. 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 T.B. Penick 401(k) Plan is designed to help you save for retirement.

Plan Highlights

  • Eligibility: Age 19 + 320 hours of service.
  • Entry Date: 1st day of the plan quarter after eligibility.
  • Roth Contributions: Available
  • Loans: Loans available. $100 loan fee, standard loan rules apply.


Our History

Enroll Today!

Learn how to enroll in your 401(k), choose your contribution rate, and understand how you can 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 once you turn 19. 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. 

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 you can 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 19 and completed at least 320 hours of service. Your participation begins on the 1st day of the quarter after you meet both requirements.
Can I take a loan from my 401(k)? ▼
Yes, loans are permitted. The minimum loan is $1,000, up to 50% of your vested balance (max $50,000). There is a $100 loan-origination fee and general-purpose loans must be repaid within 5 years. Contact Empower directly to request a loan.
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 www.empowermyretirement.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 with balances of $5,000 or less may be automatically distributed. If you have an outstanding loan, you must contact Empower directly to establish and maintain a payment plan. Otherwise, the outstanding loan balance may be treated as a distribution and may be subject to taxes and penalties.

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.