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Date: October 31, 2022
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401(k) Plans for Small Business

Don’t get ripped off. We offer the best flat-fee plans and have 95% customer satisfaction.1

Call us toll-free 1-866-845-5058 for a free 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

Make Your Small Business a Smart Business with a 401(k) Retirement Plan

Managing your business is anything but simple, but protecting your money and taking care of your employees can be

Attract Retain Talent Ubiquity
Attract and retain valuable talent

Offering a 401(k) to your employees keeps your company competitive.

Maximize Savings Ubiquity
Maximize your savings possibilities.

Protect up to $61,000/year with 401(k) contributions vs. $6,500 with an IRA.

Flat Fee Pricing Ubiquity
Keep what’s yours with easy, flat-fee pricing

We don’t believe fees should grow with your plan balance. Our pricing keeps you saving.

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, affordable and effective retirement solutions, and world-class customer support.

Ubiquity has helped 100,000+ employees contribute over $3 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.

Learn more about Ubiquity

See how much you can save

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.

Do you already have a 401(k) plan that was started before 2018?

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 received less than $125,000 last year?

Please enter number less than your total employee count.

Year 1
Year 2
Year 3

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.

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“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. ”

- Karina M.

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 and 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 guardrails 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.

Read the Definitive Guide to Small Business 401(k).
Download Now

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.


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.

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
Read more testimonials

1 This percentage is based on surveys sent by Ubiquity Retirement + Savings and completed by clients of Ubiquity Retirement + Savings.

© 2022 Ubiquity Retirement + Savings
Privacy Policy
Do not sell my info
44 Montgomery Street, Suite 3060
San Francisco, CA 94104
Support: 855.401.4357

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© 2022 Ubiquity Retirement + Savings
Privacy Policy
Do not sell my info
44 Montgomery Street, Suite 3060
San Francisco, CA 94104
Support: 855.401.4357

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