Register or Opt-Out Now

It is time to enroll in Ditta Enterprises, Inc. 401(k) Plan for 2026. 

You are eligible to enroll if you have met the eligibility requirements below:

Minimum Age: 21

Hours of service: 500

Period of service (consecutive): 6 Months

Employment Status: Full or Part Time

See eligibility requirements in the SPD (Summary Plan Description) for more information

New Employees: 

With this plan comes a few notices; the biggest one is by law; every eligible employee will be automatically enrolled in the company plan with a 6% payroll deduction unless you opt-out in writing. 

Every eligible employee must do one of the following not to be automatically enrolled:

1. Online Enrollment - Register and Enroll at myplan.johnhancock.com or download John Hancock’s retirement app. See the directions below and on our Company Benefit Website, Dittaent.com 
2. Schedule an appointment with Susan Naylor from Merril Lynch to discuss options by calling her office. We suggest employees discuss their options with Susan and her team before picking an investment plan. 
3. Opt-Out by filling out the “Opt Out Form”. These forms are attached and available on our Company Benefit Website, Dittaent.com, or you can get a printed copy from the payroll office. You may opt back in during the plans entry dates by letting Anna know you have changed your mind. 

Entry dates are Jan 1st and July 1st. If you opt-out now and decide to participate later, please let us know and register online using the John Hancock link below or contact Susan Naylor to schedule your appointment.  If you are not eligible now, you will get this email again in April after you are eligible for the next entry date. 

Deadline is December 22nd. We would like everyone to have everything set up & turned in by the end of November if you don’t want us to keep contacting you to do one of the action items above. 

IF YOU DO NOTHING AT ALL, YOU WILL BE AUTOMATICALLY ENROLLED, AND 6% CONTRIBUTIONS WILL BEGIN TO BE WITHHELD FROM YOUR PAY AND CONTRIBUTED TO YOUR PLAN ACCOUNT. THE MONEY WILL BE INVESTED IN THE DEFAULT INVESTMENT AND CANNOT BE WITHDRAWN WITHOUT A HARDSHIP SPECIFIED IN THE SPD . SEE PLAN DOCUMENTS FOR MORE INFORMATION. 

For a copy of all Plan Documents see below

We have chosen John Hancock Retirement Plan Services along with Merrill Lynch and Susan Naylor’s Team as our Financial Advisors. You may contact Susan at any time by calling her office and scheduling your own appointment.

Already on the plan and want to change your withholding amount? Download the withholding form below and turn into Anna. 

If you have questions or need assistance with your 401(k) plan or options anytime, please contact one of the following individuals. If you want information on hardship withdrawal distribution, please see pages 10 & 11 of the Summary Plan Description (SPD) below. If you think you qualify for a hardship please contact Scott Fletcher. 

It's never too early (or too late) to start saving for retirement. Participating in our company's retirement plan can provide you with key benefits, including convenient payroll deductions, potential tax savings, and more. 

Thanks,
Anna Ditta
amditta@dittainc.com

Plan Sponsor

If you have questions or need assistance with your 401(k) plan or options, please contact one of the following individuals. 

Plan Administrator: 

Scott Fletcher

Ellis & Ward Consulting Group, Inc.

PO Box 2470

Cordova, TN 38088-2470

901-756-9925

sfletcher@ellisbenefits.com

Financial Advisor:

Susan Naylor

Merrill – The Naylor Group

2000 Browns Lane Access

Jonesboro, AR 72401

870-933-1336

**Site updated 11/14/25 for Plan Year 2026