⚠ Secure 2.0 Legislation Passed. See Your Savings Now.

Ubiquity Retirement + Savings Logo

#1 Ranked 401(k) Plans for Small Business¹

Don’t get ripped off. We offer the best flat-fee 401(k) plans for small businesses and are ranked #1 on Google Reviews.

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

BREAKING: Secure 2.0 legislation changes rules. MORE

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 clients choose Ubiquity​

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


google logo

trustpilot logo

Better Business Bureau logo





Call toll free 1.866.845.5058 today or schedule a call later.

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

Let Ubiquity take​ care of your business’s ​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 $61,000/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 we have 95% customer satisfaction!

Flat Fee Pricing Ubiquity
A win for your wallet​

Don’t get ripped off. Say NO to employee pricing. Say YES to our flat-fees with no hidden fees.​

You could get 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 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.

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’re dedicated to ​making sure you don’t get ripped off in your 401(k) plan.​ Since 1999, we’re constantly working to lower your costs and reveal hidden fees you will be paying at other providers. Only at Ubiquity will you enjoy the highest rated customer service–a 95% customer satisfaction rating–with more 5-star Google reviews 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 toll free 866.845.5058 today or schedule a call later.

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.​

We make government compliance easier​

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

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 and can show you how to not​ get ripped off.


It’s too expensive.

It’s easy to get ripped off. 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.


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 and ensure you aren’t getting ripped off.  


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 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:


1 Google ratings are based on client reviews of Ubiquity Retirement + Savings products and services. Details on the methodology Google employs to calculate ratings can be found here. Rates currently displayed are as of September 30, 2022 and are based on reviews from 2014 through 2022.

© 2023 Ubiquity Retirement + Savings
Privacy Policy
Do not sell my info
44 Montgomery Street, Suite 3060
San Francisco, CA 94104
Support: 855.401.4357

Facebook Twitter LinkedIn YouTube

© 2023 Ubiquity Retirement + Savings
Privacy Policy
Do not sell my info
44 Montgomery Street, Suite 3060
San Francisco, CA 94104
Support: 855.401.4357

Credit Card Logos
Show Exit Modal