Welcome to the
W.G. Holt , Inc. 401(k) Plan
Your future starts today. Learn about your retirement benefits and start building the future you deserve.
Plan Overview
The W.G. Holt 401(k) Plan is designed to help you build a secure retirement future with generous employer contributions and flexible savings options.
🎉 Employer Contribution + Profit Sharing
W.G. Holt provides a Safe Harbor matching contribution of 100% on the first 3% of pay you contribute, plus 50% on the next 2% (3–5% of pay). You may also receive an additional discretionary profit-sharing contribution each year.
This is free money to help you save for retirement.
Plan Highlights
- Eligibility: Age 21 + 250 hours of service within a 3-month period.
- Entry Date: 1st payroll period after eligibility.
- Employer Match: Safe Harbor Match: 100% up to 3%, 50% on
the next 3-5% - Profit Sharing: Discretionary
- Roth Option: Available
- Loans: Loans available one at a time, up to the lesser of either $50k or 50% of the vested balance.
Vesting Schedule
Your Safe Harbor employer contributions are not subject to a vesting schedule. Profit-Sharing contributions vest according to the following schedule:
| Service Period | Vested % |
|---|---|
| Less than 1 year | 0% |
| 1 to 2 years | 20% |
| 2 to 3 years | 40% |
| 3 to 4 years | 60% |
| 4 to 5 years | 80% |
| 5+ years | 100% |
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 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.
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.
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
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.