"As an HR leader and consultant with 30 years of experience working with numerous 401(k) providers, this is, by far, the easiest 401(k) plan I've ever administered with the best customer service. Nothing else really comes close."

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Keep What’s Yours
with Ubiquity

No AUM charges or fees in the fine print.
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We’ll do the math - and explain how we compare

Take 10 minutes and find out why a
Ubiquity 401(k) is the best value.
Schedule an Appointment

Small Business 401k Retirement Services

Our retirement plan consultants/experts will work closely with you to develop a retirement strategy that meets your needs and delivers beyond what you may have thought possible.

Download Our Guide to 401k Retirement

Free, Efficient, Expert advice

Ubiquity’s experienced sales team provides one-on-one, personalized coaching. We walk through the process with you, unraveling complexities and delivering advice based on best practices, for a customized, turnkey retirement plan that meet your goals and saves you time.

Low Cost Commitment

Since 1999, Ubiquity has remained committed to a very low, flat-fee, monthly subscription model and has never charged Assets Under Management (AUM) fees.

Keep more of your retirement savings

Don’t erode your retirement nest egg with excessive, additive administrative fees. Most of our competitors charge a percentage fee on your growing total account balance. Ubiquity’s flat, monthly, fixed subscription fee means you don’t pay an administrative fee based on the amount you have saved.

Satisfaction Guaranteed

Ubiquity has been dedicated solely to small business retirement success for over 19 years. If you’re not satisfied, we work hard to make it right, and our longevity speaks to our dedication to our customers.

Small business 401k pricing

Ubiquity's transparent pricing is lower than many competitors. Monthly cost per employee.*


Flat fee per year

For employers with no full-time employees other than the business owner and spouse

Plan comparison Get your Single(k) guide


Flat fee per month

Small businesses and startups looking for simplicity, low fees, and tax savings

Plan comparison Get your Express(k) guide


Flat fee per month

Businesses owners who want to maximize their tax savings at lowest possible fees

Plan comparison Get your Custom(k) guide

“I find Ubiquity quite easy to work with. Being a small business, it is so nice to be able to call and receive help over the phone. Tony is very personable and knowledgeable. ”

- Nicole Brady, Geyser Equipment, LLC

Everything you need to know about 401k and more.

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Our experts make it easier

Retirement planning for small businesses. It’s all we do.

We support you with dedication and expertise.
  • On average, our knowledgeable specialists have 10 years’ retirement plan experience.
  • We’ve been trusted business online retirement planning champions since 1999.
  • You’ll be confident you’ve selected the best retirement option.
  • We focus on small business retirement success. If you’re not satisfied, we work hard to make it right, and our longevity speaks to our dedication.
About Us

Your retirement planning gets our full attention.

Once we clarify your goals, we help you set up a customized, turnkey 401k that meets those goals and the needs of your employees. You’ll lock in your investment plan at a low fixed fee with no commissions, for a tailored, affordable plan that delivers far more than you ever thought you could have.

Learn more about the challenges of small business 401k

“Meli is amazing! Always ready to answer questions (even the silliest/smallest ones) and never makes me feel ridiculous for asking them. Additionally, she's wonderful at returning calls and really making her clients feel valued and listened to! I feel 100% secure in all things related to retirement because I know Meli has our back :)”

- David Miller, Coffee Meets Bagel, Inc.


Plan options to further
lower your tax liability

Even a basic 401k can be tailored to better meet your goals, and we’re here to make sure your plan works hard for you. We help our customers take advantage of programs like Safe Harbor, 401k match, Roth and Traditional IRAs, and Automatic Enrollment.

Experienced coaching
saves you time

Each Ubiquity retirement consultants has over 10 years’ experience in retirement planning with our company. Retirement planning is complex and riddled with government regulations, however it does provide small businesses with significant tax advantages. We provide personalized coaching over the phone from our U.S. based offices, to save you time.

Easy online set-up
and maintenance

Set up and maintain your plan in a few minutes a month. Features:

  • Automated 401k administration and start up
  • Easy, electronic, paper-free signup and onboarding for new employees
  • Web-based enrollment meetings for your employees
  • Dedicated implementation manager to get you up and running
  • Conversion process for existing 401k plans
Download our quick set-up guide
“I am the plan administrator for our company’s Ubiquity 401k plan. I wanted to take a moment to commend Tony and his team. They all are very knowledgeable and have helped me with any question I may have. I have found them friendly and easy to reach either by phone or email.”
- Barb Tews, Meridian Management
Read more testimonials

Flexible, low-cost investment options

Our competitors provide investment choices in which they may have a vested interest. We don’t. Ubiquity gives you investment flexibility if you want it, guidance if you need it. This investment strategy, combined with our very low flat fees, provides for larger savings in the long term.

We make government compliance easier

Ubiquity is essentially your retirement concierge. We provide electronic participant statements; tax filing and plan document preparation; participant disclosures; annual plan notifications; IRS testing and monitoring; and eligibility notices.

Technology and service features

Our intuitive technology keeps you within the guard rails of your plan, safeguarding you against errors from any manual inputs. We use technology to make life simpler, but a dedicated account manager is just a phone call away if you need it.

Did we mention lowest cost?

Ubiquity is the only company that has maintained a low, flat-fee model for 19 years.

Schedule your free consultation

Our team is ready to show you how easy saving can be.

Looking for customer support?
Select a day that works for you.

The challenges vs.
the Ubiquity advantage


401k plans are too complex and difficult to understand.

Our retirement sales consultants each have more than 10 years’ experience in small business retirement planning. They’ll walk you through finding and setting up the right plan for your needs. And they’ll explain things simply and without any jargon.


It takes too long to do the research and figure out what will work for my small business.

All our plans are low-cost and flat-fee. Our free consultation will help you determine your needs based on your goals. Most consultations require just 15 to 30 minutes.


It’s too expensive.

Ubiquity charges low, flat fees and doesn’t ever charge fees based on the size of your retirement plan. This is just one of the things that sets us apart from our competitors.


What plan is right for me?

We help you identify and plan for your goals. We provide recommendations to reduce your tax business tax liability and minimize the fixed costs of administering your plan.


Outside of tax savings, I don’t see any other benefits

In addition to tax advantages, offering a retirement plan helps you attract and retain valuable employees.

“I am a new plan sponsor for my employer with Ubiquity. The friendliness of customer support was outstanding. So far, I am very impressed with Ubiquity! ”
- Alan Drage, Great Basin Scientific
Read more testimonials

Not too familiar with 401k plans?

No problem – we’ll give you the lowdown.

No confusing language or too much financial jargon. Just a clear, concise, simple explanation.

Download Ubiquity’s Guide to Small Business 401k planning and learn how a 401k can help lower your taxable income at a low fee and help you and your employees achieve greater financial security.

After almost two decades helping small business owners overcome their fears related to saving for retirement, we understand what’s holding you back, and we’re always here to help.

The Ubiquity 401k Guide can help you better understand your small business 401k options, and help you find the right small business retirement plan.

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© 2019 Ubiquity Retirement + Savings
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1160 Battery Street, Suite 350
San Francisco, CA 94111
Support: 855.401.4357

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© 2019 Ubiquity Retirement + Savings
Privacy Policy
1160 Battery Street, Suite 350
San Francisco, CA 94111
Support: 855.401.4357