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#1-Ranked 401(k) Plans for Small Business

We offer the best flat-fee 401(k) plans for small businesses and are ranked #1 on Google Reviews.

Call us at 866.845.5058 for a free consultation.

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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

Why small business owners choose Ubiquity

Ubiquity is the #1 Ranked 401(k) Provider — Highest Customer Satisfaction in the Industry


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Call 866.845.5058 today 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.​

Attract Retain Talent Ubiquity
A win for your business

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

Maximize Savings Ubiquity
A win for your employees

They’ll love our customer service. Only Ubiquity has 95% customer satisfaction!

Flat Fee Pricing Ubiquity
A win for your wallet​

Say no to employee pricing. Say yes to our flat fees with no hidden costs.​

Qualify for up to $16,500 in tax​ credits

See how much you can save.

As a small business, you could qualify to earn up to $16,500 in tax credits over a three-year period by starting a qualified retirement plan with auto-enrollment.

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

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 $150,000 last year?

Please enter number less than your total employee count.

Per IRS guidelines, you need to have at least one plan participant who was a non-highly compensated employee (NHCE) in order to qualify for the credit.

Ubiquity 401(k) Plan

About Ubiquity





20+ years

of awards and recognition


Find Out How Much You Can Invest Toward Retirement In 2023

Get Your 2023 IRS Contribution Guide

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)

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.​

Simplified government compliance​

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.​

Exclusive technology​

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 fees).​

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

Misconception 3: Retirement plans are too expensive.

Not here! 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.

Misconception 4: It's hard to know which plan is right for my small business.

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.  

Misconception 5: Outside of tax savings, I don’t see any other benefits

In addition to tax advantages, offering a retirement plan has been shown to significantly help small business owners 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 An evaluation has been conducted by Decimal, Inc. through its research of independent customer reviews on Google, Trustpilot, and the Better Business Bureau as reported by unaffiliated contributors on or before September 30, 2022, with a revaluation date on January 12, 2023, resulting in an updated evaluation, for four similar small-business 401(k) providers in the marketplace.

Ready to get started?

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


© 2023 Ubiquity Retirement + Savings
Privacy Policy
Do not sell my info
44 Montgomery Street, Suite 300
San Francisco, CA 94104
Support: 855.401.4357

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© 2023 Ubiquity Retirement + Savings
Privacy Policy
Do not sell my info
44 Montgomery Street, Suite 300
San Francisco, CA 94104
Support: 855.401.4357

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