Providing low cost 401(k) plans, designed for small businesses, start-ups, and solopreneurs since 1999.
Cut through the complexity of choosing and customizing the right 401(k) plan. You'll be ready to go in just a few clicks.
How many employees do you have?
We are not an RIA – we work in partnership with financial professionals to deliver small business owners the most customized investment guidance.
We are proud of our trusted relationships with Fortune 500 industry leaders.
As small business retirement pioneers, we’ve been around for 21 years. Longevity and sustainability matter.
We built our own proprietary, cloud-based recordkeeping system for SMB retirement plans, instead of relying on others.
Our reviews far outpace others in quality and quantity – and we don’t pay our customers to write them.
We’ve streamlined 401(k) administration and our Client Experience team is available to help via email, chat or a good old-fashioned phone call.
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.
Download the Definitive Guide to Small Business 401(k).Download Now
At Ubiquity Retirement + Savings, we are dedicated to making sure your 401(k) plan is tailored to meet your retirement goals. Our mission is to empower small businesses and their employees to create a more secure financial future and peace of mind, by leveraging technology with affordable and effective retirement solutions, and world-class customer support.
Ubiquity has helped 100,000+ employees contribute over $2.5 billion towards their retirement since 1999. We help our small business clients take advantage of programs like Safe Harbor, 401(k) match, Roth and pretax contributions, and automatic enrollment for their employees.
Managing your business is anything but simple, but protecting your money and taking care of your employees can be
Offering a 401(k) to your employees keeps your company competitive.
Protect up to $56,000/year with 401(k) contributions vs. $6,500 with an IRA.
We don’t believe fees should grow with your plan balance. Our pricing keeps you saving.
“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. ”
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 the opportunity for greater savings over 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 support team is just a phone call away if you need it.
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 Assets Under Management (AUM) fees.
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 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.
Which 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! ”