401k Plans for Small Business

Providing low cost 401k plans, designed for small businesses, start-ups, and solopreneurs since 1999.

  • Affordable, flat-fee plans starting at $75/month
  • Easy online set-up and management
  • Flexible investment options
  • New in 2020: Receive up to $16,500 in tax credits over three years when you open a 401k. Up to $5,000 per year, plus an additional $500 per year for automatic enrollment for the first 3 years.

Get Your Price

Cut through the complexity of choosing and customizing the right 401k plan. You'll be ready to go in just a few clicks.

How many employees do you have?

Just me and/or my business partner/spouse

What sets Ubiquity apart from the rest?

Advisor Friendly

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.

Customer Reviews

Our reviews far outpace others in quality and quantity – and we don’t pay our customers to write them.

Ongoing Support

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.


Download the Definitive Guide to Small Business 401k.

Download Now

At Ubiquity Retirement + Savings, we are dedicated to making sure your 401k 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+ savers contribute over $2 billion towards their retirement since 1999. We help our small business clients take advantage of programs like Safe Harbor, 401k match, Roth and pretax contributions, and automatic enrollment for their employees.

Make Your Small Business a Smart Business with a 401k 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 401k to your employees keeps your company competitive.

Maximize Savings Ubiquity
Maximize your savings possibilities.

Protect up to $56,000/year with 401k 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.

Schedule Your Free Consultation
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“As an HR leader and consultant with 30 years of experience working with numerous 401k providers, this is, by far, the easiest 401k 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, 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 401k 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 401k.
Download Now

The challenges vs.
the Ubiquity advantage


401k 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.

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

© 2020 Ubiquity Retirement + Savings
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44 Montgomery Street, Suite 3060
San Francisco, CA 94104
Support: 855.401.4357

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© 2020 Ubiquity Retirement + Savings
Privacy Policy
44 Montgomery Street, Suite 3060
San Francisco, CA 94104
Support: 855.401.4357

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