Carc, Inc. 401(k) Plan: Login, Facts & Contact Information

Carc, Inc. 401(k) Plan Facts

Plan name
CARC, INC. 401(K) PLAN
Plan type
401(k) with employer contributions and profit sharing
Plan sponsor
CARC, INC.
Participants
178 (159 active employees)
Former employees with a balance
19
Plan assets
$3,831,648 at Jun 30, 2025
Average account balance
$33,031 across 116 accounts
Employer contributions
$206,147 in plan year 2024 (33% of all contributions)
Recordkeeper
John Hancock Life Insurance Company
Plan year
Jul 1, 2024 – Jun 30, 2025
Plan established
Jul 1, 2015
✓ Employer contributions— Automatic enrollment✓ Default investment for undecided participants✓ Participants choose their own investments— Self-directed brokerage window✓ Profit sharing— Company stock (ESOP)

Source: Form 5500 for plan year 2024 (Jul 1, 2024 – Jun 30, 2025), filed Jul 31, 2026. Public filing with the U.S. Department of Labor.

Money in and out in plan year 2024

  • $617,253 went into the plan in contributions, $206,147 of it from the employer (33%).
  • $178,538 was paid out to participants.
  • Investment and other income added $453,343.
  • Administrative expenses were $39,323, about $339 per account.

How the Carc, Inc. 401(k) changed, 2019–2024

Plan yearParticipantsPlan assetsEmployer contributionsBenefits paid
2019226$1.80 million$110,718$134,301
2020237$2.42 million$108,984$184,669
2021223$2.25 million$123,638$187,154
2022233$2.48 million$158,336$394,050
2023240$2.98 million$157,527$256,621
2024178$3.83 million$206,147$178,538

Carc, Inc. 401(k) Contact Information

Phone
575-887-1570
Mailing address
902 W. CHERRY LANE, CARLSBAD NM 88220
Plan sponsor
CARC, INC.
Employer identification number (EIN)
85-0197103
Plan number
001

Questions about the Carc, Inc. 401(k)

Does Carc, Inc contribute to the 401(k)?

Yes. The plan reports an employer contribution arrangement. In plan year 2024 the employer contributed $206,147, 33% of all contributions.

Does the Carc, Inc 401(k) have automatic enrollment?

No. The plan does not report automatic enrollment; employees enroll themselves.

How many people are in the Carc, Inc 401(k) plan?

178 participants at the start of plan year 2024, 159 of them active employees, and 19 former employees who still had money in the plan.

What is the average 401(k) balance at Carc, Inc?

About $33,031 per account: $3.83 million in plan assets across 116 accounts with a balance at the end of plan year 2024.

Who manages the Carc, Inc 401(k) accounts?

John Hancock (listed on the filing as JOHN HANCOCK LIFE INSURANCE COMPANY) is the plan's recordkeeper, which is where participants log in to see their balance.

I no longer work at Carc, Inc. How do I access my 401(k)?

Your account stays with John Hancock after you leave, so you can log in with the same credentials. If your balance was small, the plan may have rolled it into an IRA in your name. If you can't find it, Beagle can locate it for you.

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