Small Business
401(k) Plans

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

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

Benefits for Small Business

Ubiquity: The #1 Ranked 401(k) Provider

Achieving the Highest Customer Satisfaction in the Industry


google logo

trustpilot logo

Ubiquity BBB Business Review





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 we have 95% customer satisfaction!

Flat Fee Pricing Ubiquity
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?

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?

1. Please refer to Important Information for details



24 years

serving our clients

$3 Bn


10+ years

average associate tenure


Find Out How Much You Can Invest Toward Retirement In 2024

Get Your 2024 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)

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
Read more testimonials

Ready to get started?

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


* Please refer to Important Information for details.

Talk to Sales
Schedule a Free Consultation

Contact Support
Visit our Help Center
6am–5pm PT / 9am–8pm ET

© 2024 Ubiquity Retirement + Savings
44 Montgomery Street, Suite 300
San Francisco, CA 94104

Facebook Twitter LinkedIn YouTube

Talk to Sales
Schedule a Free Consultation

Contact Support
Visit our Help Center
6am–5pm PT / 9am–8pm ET

© 2024 Ubiquity Retirement + Savings
44 Montgomery Street, Suite 300
San Francisco, CA 94104