Plan Pricing

Meets the Needs and Budget of Your Small Business

Cut through the complexity of choosing and customizing the right 401k plan. Answer a few questions and get your price.

For businesses with no full-time employees except the owner/spouse/partner

Expert-picked plan provisions in one easy-to-manage package

Small businesses and startups looking for simplicity and tax savings

Business owners who want a fully customized plan to maximize their tax savings


Pre-tax contributions included

Roth (after tax) contributions included

Safe Harbor provision

Automatic Employee Enrollment

CensiblyYours Investment and Financial Wellness

Employee online access

Free dedicated employer and employee support teams

No charge or commisions based on savings amount

Flexible age + service eligibility

Flexible Employer Contribution Vesting

Fully customizable options for incentivizing key employees


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Our team is ready to show you how easy saving can be.

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Ubiquity 401k Plan Pricing Details

We believe 401k pricing shouldn’t be complicated. Each tier is designed to give you precisely what you need, without all the bloated fees that drive up administrative costs or customer service fluff you’ll never use.


If you are a freelancer, sole proprietor, independent contractor, or entrepreneur, you can start reducing your taxable income right away with this plan. Compared to IRAs, this plan allows you to set aside significantly more for retirement. It also allows you to borrow up to $50,000 from the fund if necessary and pay yourself back over the course of five years.


If you want to attract and retain a competitive workforce, the Saver(k) offers an easy path to do. Like our other higher-tier plans, this one includes Safe Harbor provisions, automatic employee enrollment, engaging online financial wellness tools for employees, and online employee account access/support. In addition to all these great benefits, you may also be eligible for a tax credit up to $16,500.


This plan is the most popular because it supplies an efficient payroll deduction process, allows higher contribution limits than SEP or SIMPLE IRA plans, and offers the flexibility to move assets when changing jobs or retiring. Your Express plan purchase includes a small business retirement consultant and dedicated employer/employee support teams.


Every business is unique. For those who would like a small business 401k plan tailored to their individual needs, Custom(k) provides planning for business owners and highly compensated employees. Make your business more competitive, streamline payroll, and save with generous tax deductions. With a Custom(l) plan, you control when you pay taxes, where to transfer funds, and how to take out loans. Plus, you will receive the utmost in customer care from our accommodating team.

Hear from Ubiquity’s valued customers:

What Do All Plans Have in Common?

None of our plans charge based on the savings amount. None of our programs have commissions.

We were one of the first companies to offer a flat-fee-for-service in the 401k administration industry back in 1999, which we proudly uphold to this day. Another feature of every plan is that they all include pre-tax contributions, helping you to set aside money for your future, while also reducing your tax bill for this year; if you prefer to reap maximum tax benefits in your “golden retirement years” instead, you may do so with the Single(k), Saver(k), or Custom(k).

What Is Included In Ubiquity 401k Plan Pricing?

You can count on Ubiquity for honest, transparent 401k plan pricing and service. Since 1999, we have helped more than 100,000 small business entrepreneurs and workers invest over $2 billion in retirement savings accounts.

Clients choose Ubiquity because our pricing is so affordable; the customer service team is friendly and capable; and with our quick, easy online process, you can be ready to go in as little as 15 minutes.

Included in your plan’s price, Ubiquity will:

  • Provide administrative assistance to set up your 401k plan
  • Facilitate contributions, including profit-sharing add-ons
  • Administer 401k loans if you need to borrow against your retirement account
  • Submit annual tax forms and provide tax compliance support (for an additional fee).
  • Provide customer service, Monday through Friday between 8:30 am and 5:30 pm, Pacific Time.

What Is Not Included in Ubiquity 401k Plan Pricing?

We do not select the investment funds for your portfolios. You will need to either choose a self-directed brokerage account or select a third-party broker/custodian.

Ideally, you should pick a broker that allows a wide variety of investments like stocks, bonds, mutual funds, and ETFs. The best brokers do not charge AUM fees. While you may have to work with two companies, the benefits are clear. You know what you are paying for and retain full control over your investment options. Plus, the process of getting started could not be more straightforward.

Schedule Your Free Consultation

Our team is ready to show you how easy saving can be.

Schedule a Free Consultation

Small business 401k retirement services

Our retirement planning consultants/experts will work closely with you to develop a retirement strategy that meets your needs and delivers beyond what you may have thought possible.

Free, efficient, expert advice

Ubiquity’s experienced sales team provides one-on-one, personalized coaching. We walk through the process with you, unraveling complexities and delivering advice based on best practices, for a customized, turnkey retirement plan that meet your goals and saves you time.

Low cost commitment

Since 1999, Ubiquity has remained committed to a very low, flat-fee, monthly subscription model and has never charged Assets Under Management (AUM) fees.

Keep more of your retirement savings

Don’t erode your retirement nest egg with excessive, additive administrative fees. Most of our competitors charge a percentage fee on your growing total account balance. Ubiquity’s flat, monthly, fixed subscription fee means you don’t pay an administrative fee based on the amount you have saved.

Satisfaction guaranteed

Ubiquity has been dedicated solely to small business retirement success since 1999. If you’re not satisfied, we work hard to make it right, and our longevity speaks to our dedication to our customers.

© 2020 Ubiquity Retirement + Savings
Privacy Policy
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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