Small Business
401(k) Plans

Rated #1 on Google Reviews, Ubiquity offers top-tier, flat-fee 401(k) solutions for your small business needs¹.

Experience peace of mind knowing you’re partnering with the best in the industry.

Call 866.845.5058 for a complimentary consultation.

Save on Taxes|Attract Top Talent|Build Your Future

Customize the right tax-advantaged 401(k) plan for your business in just a few clicks.

How many employees do you have?

I am a sole proprietor

Ubiquity: The #1 Ranked 401(k) Provider

Achieving the Highest Customer Satisfaction in the Industry

Provider

Ubiquity

4.3/5^*

4.6/5

4.5/5

Call 866.845.5058 or schedule a call today.

Attract and retain valued employees with a Ubiquity 401(k) retirement plan

Let Ubiquity take care of your business’ retirement plan so you can focus on running your business and keeping your customers happy.

A win for your business

Protect up to $66,000/year with 401(k) contributions vs. $6,500 with an IRA.

A win for your employees

They’ll love our customer service. Only we have 95% customer satisfaction!

A win for your wallet

Transparent, flat fees and no surprises.

Your new 401(k) plan could be free with tax credits

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.

Take advantage of federal tax credits of up to $16,500 that cover the first three years of your small business 401(k) plan with auto-enrollment¹. These credits remove financial barriers and increase confidence and peace of mind for small business owners. Plus, you can qualify for even more tax credits by contributing to your employees' retirement plan!

Do you already have a 401(k) plan that was started before 2019?

Yes No

May not be eligible for start-up credit if plan is more than 3 years old, but may still be eligible for $500 auto-enrollment credit.

How many employees do you have?

Cannot exceed 100 employees to be eligible for credit.

How many non-owner employees were paid less than $150,000 last year?

Please enter a number less than your total employee count.

IRS guidelines require your plan to have at least one plan participant who was a non-highly compensated employee for it to qualify for the credit.

Ubiquity 401(k) Plan

Would you like to learn more about matching tax credits?

Yes No

Calculate

1. Please refer to Important Information for details

When you offer a 401(k) to your employees, you empower them to build a stable future. It's a practical step that brings both financial security and confidence. And tax credits make the first three years cost-free for you.

Year 1

Year 2

Year 3

Total

Ubiquity price before credits

Ubiquity price after credits²

Slide left/right to see full table.

Thousands in Additional Tax Credits Available

Year 1

Year 2

Year 3

Year 4

Year 5

Total

Available $ Per Eligible Employee as a Government Match Credit

Eligible Employees Receiving Employer Matching

Federal Government Matching Tax Credit to Employer

Out of Pocket Employer Contribition Expense (after tax credits)

Slide left/right to see full table.

If you’re willing to put into your plan as employer contributions, the federal government will give you full credit on those contributions¹
After tax credits, the cost for you to get up to into your plan over five years is zero
These contributions can be profit sharing, match, safe harbor and QNEC contributions
If employees leaves beforehand, these profit-sharing matching contributions stay in the plan for owner and/or others

Get started! Call toll free 866.845.5058 today or schedule a call later.

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.

Back to Calculator

1. Please refer to Important Information for details.

2. Start-up tax credit modification: Small employers with 50 or fewer employees may apply 100% of qualified start-up costs toward the tax credit formula (up to $5,000 per year). New tax credit for start-up plans offering employer contributions: A tax credit equal to the applicable percentage of employer contributions, capped at a maximum of $1,000 per employee.

Applicable to small employers with 50 or fewer employees. For employees with 51–100 employees: The credit is phased out by reducing the amount of credit each year 2% for each employee in excess of 50. Applicable Percentage: 1st and 2nd year = 100%, 3rd year = 75%, 4th year = 50%, 5th year = 25%, 6th year = 0%

No contributions may be counted for employees with wages in excess of $100,000 (inflation adjusted). If taking advantage of this tax credit, employer contributions may not also be counted toward “start-up costs” in the start-up tax credit calculation.

100,000+

participants

24 years

serving our clients

$3 Bn

invested

10+ years

average associate tenure

Your Retirement 401(k) Advocate Since 1999

At Ubiquity Retirement + Savings, we’ve worked constantly since 1999 to lower your costs and reveal hidden fees that you’d be paying to other providers. Only at Ubiquity will you enjoy the highest-rated customer service—a 95% customer satisfaction rating—with more 5-star Google reviews¹ 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.

Learn more about Ubiquity

Call 866.845.5058 or schedule a call today.

How Ubiquity Safeguards Your 401(k)

No surprises or hidden fees

Set up your company’s 401(k) confidently knowing that Ubiquity is the only small business 401(k) provider that has maintained a low cost, flat-fee model since 1999. We have never charged assets under management fees.

No conflict of interest

Unlike our competitors, we have no vested interest in your Ubiquity 401(k) investment choices. We’re not an RIA, eliminating conflicts with financial advisors. With us, you get investment choices and guidance when you want it.

Simplified IRS compliance

Ubiquity provides electronic participant statements, tax filing, plan document preparation, participant disclosures, annual plan notifications, eligibility notices, IRS testing and monitoring, and more.

Read Ubiquity's Small Business 401(k) Plan Guide

Download Now

How Ubiquity Solves Retirement Plan Misperceptions

Misperception 1: 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.

Misperception 2: 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.

Misperception 3: Retirement plans are too expensive.

But 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.

Misperception 4: It's hard to tell 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.

Misperception 5: 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.

Ubiquity Challenges v Advantages smiling small business owner

“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

Ready to get started?

Call us today for a free, no obligation, small business 401(k) consultation:

866.845.5058

^* Please refer to Important Information for details.

Small Business401(k) Plans