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Don’t get ripped off. We offer the best flat-fee plans and are ranked #1 on Google Reviews.1
Call us toll-free 1-866-845-5058 for a free consultation.
Customize the right tax-advantaged 401(k) plan for your business in just a few clicks.
How many employees do you have?
Let Ubiquity take care of your business’s retirement plan so you can focus on running your business and keeping your customers happy.
Protect up to $61,000/year with 401(k) contributions vs. $6,500 with an IRA
They’ll love our customer service. Only we have 95% customer satisfaction!
Don’t get ripped off. Say NO to employee pricing. Say YES to our flat-fees with no hidden fees.
As a small business, you could qualify to earn up to $16,500 in tax credits over a 3-year period by starting a qualified retirement plan with auto-enrollment.
Start-Up credit up to ? Start-up Credit is $250 per non-highly compensated employee but no less than $500 in total and not to exceed $5,000 per year. The credit shall not exceed 50% of total cost per year. The start-up credit is available for the first three years of the plan. x
Auto-enrollment credit up to ? Annual credit of $500 applies to plans who add an automatic-enrollment provision to the 401(k) Plan. x
Total tax credits up to
Slide left/right to see full table.
This calculator is for illustration purposes only and should not be construed as tax advice. Users should consult a tax professional regarding specific tax needs, credit availability and amount. For further information please visit the IRS website.
“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.”
She’s looking for a fully customizable 401(k) plan to maximize savings and participation for her design firm of 12 full-time employees.
Olivia chooses a Ubiquity Custom(k) plan with autoenrollment for a $165 flat fee per month.
Olivia can get up to $4,718 in tax credits, reducing the out-of-pocket 401(k) plan cost to $572 per year for the first 3 years.
*For illustrative purposes only, results may vary. Assumes an expected plan administration cost of $3,735 over 3 years, and eligible tax credits of $3,368 over the same time period.
He’s looking for a turnkey 401(k) plan to help his 12 full-time employees save for retirement while managing company costs.
Carlos chooses a Ubiquity Saver(k) plan for a $90 flat fee per month.
Carlos can get up to $4,468 in tax credits, reducing the out-of-pocket 401(k) plan cost to $122.66 per year for the first 3 years.
*For illustrative purposes only, results may vary. Assumes an expected plan administration cost of $6,435 over 3 years, and eligible tax credits of $4,718 over the same time period.
of awards and recognition
Find Out How Much You Can Invest Toward Retirement In 2022Get Your 2022 IRS Contribution Guide
At Ubiquity Retirement + Savings, we’re dedicated to making sure you don’t get ripped off in your 401(k) plan. Since 1999, we’re constantly looking to lower your costs and highlight hidden fees you will be paying at other providers. Only at Ubiquity will you enjoy the highest rated customer service – a 95% customer satisfaction rating – with more 5-star Google reviews than anyone else.
Did you know? Ubiquity pioneered the small business 401(k) space. Our founder realized small businesses were underserved and created Ubiquity to help them, their business owners, and their employees save for a more secure retirement. We’ve been your retirement 401(k) advocate since 1999.
Zero conflict of interest
Unlike our competitors we do not have a vested interest in the investment choices available in your Ubiquity 401(k). We also are not an RIA so we do not have a conflict of interest with financial advisors. Ubiquity gives you investment flexibility if you want it and guidance if you need it.
We make government compliance easier
Ubiquity is essentially your retirement concierge. We provide electronic participant statements, tax filing, plan document preparation, participant disclosures, annual plan notifications, eligibility notices, IRS testing and monitoring, and more.
Only Ubiquity has Paradigm™, the industry-leading, record-keeping platform that ensures you stay within the guardrails of your plan and safeguards you against errors from any manual inputs.
Did you know?
Ubiquity is the only small business 401(k) provider that has maintained a low, flat-fee model since 1999. We have never charged Employee Pricing aka Assets Under Management (AUM) fee.
The challenges vs.
the Ubiquity advantage
401(k) 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, 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 and can show you how to not get ripped off.
It’s too expensive.
It’s easy to get ripped off. 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.
Which plan is right for me?
We help you identify and plan for your goals. We provide recommendations to reduce your business tax liability, minimize the fixed costs of administering your plan and ensure you aren’t getting ripped off.
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! ”
1 This percentage is based on surveys sent by Ubiquity Retirement + Savings and completed by clients of Ubiquity Retirement + Savings.