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401(k) Plan Pricing

Meet the Needs and Budget of Your Small Business

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

How many employees do you have?
I am a sole proprietor

The Original Flat Fee 401(k) Provider

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

Plans start as low as $19/ month

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

Plans start as low as $96.50/ month

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

Plans start as low as $176.50/ month

All-inclusive flexibility with built-in security.

Plans start as low as $257/ month

See Which Plan Fits Your Small Business 401(k) Needs


Pre-tax contributions

Roth (after tax) contributions

Employees are able to save immediately

Safe Harbor provision

Automatic enrollment of eligible employees

Investment management and guidance with CensiblyYours® Index Portfolios

Employee online access

Employer and employee support teams

No charge or commisions based on savings amount

Ability for participants to take loans

Flexible age + service eligibility

Employer contribution vesting

Fully customizable options like New Comparability for incentivizing key employees

Dedicated service team

ERISA fidelity bond coverage for up to $1M in assets


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

Download Now

Schedule Your Free Consultation

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

Call us toll-free at 1-866-974-9808

Schedule a Free Consultation

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


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Ubiquity 401(k) Plan Pricing Details

We believe 401(k) 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.

Get your Single(k) guide


If you want to attract and retain a competitive workforce, the Saver(k) offers an easy path to do so. This plan 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.

Get your Saver(k) guide


Every business is unique. For those who would like a small business 401(k) 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(k) 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.

Get your Custom(k) guide


All-inclusive flexibility with built-in security. Small business owners can maximize business tax advantages while building their nest egg. Includes ERISA fidelity bond coverage for up to $1M in assets.

Get your Reserve(k) guide

Hear from Ubiquity’s valued customers:


Our 401(k) Plan Pricing Beats the Competition

Alert: Beware of percentage-based feesthese fees are a rip-off

Would you be okay with Netflix charging you more the more content and movies you watched? It would be crazy right? Ubiquity was the first to offer flat fee pricing and our pricing is still amongst the lowest in our industry. No matter how big your 401(k) plan assets get. Pay the same low fee regardless of your balance.




ONLY Flat Fee



Charges Assets Under Management (AUM) Fee
(the larger your 401(k), the more you pay)



What is Included in Ubiquity 401(k) Plan Pricing?

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

You can count on Ubiquity for honest, transparent 401(k) plan pricing and service. Since 1999, we have helped more than 100,000 small business entrepreneurs and workers invest over $3 billion in retirement savings accounts.

We were one of the first companies to offer a flat-fee-for-service in the 401(k) 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)®, Custom(k)®, or Reserve(k)®.

All plans also come with our top-rated customer service, currently ranked at 95%1. And we know once​ you start with us, you’ll stay, because 98% of our customers do!​

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 few as 15 minutes.

Included in your plan’s price, Ubiquity will:

  • Provide administrative assistance to set up your 401(k) plan
  • Facilitate contributions, including profit-sharing add-ons
  • Administer 401(k) 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 401(k) 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.

Schedule Your Free Consultation

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

Call us toll-free at 1-866-974-9808.

Schedule a Free Consultation



Flat fees are charged by Decimal, Inc. for recordkeeping and administrative services. Third-party service providers may assess asset-based fees to customers. Plan Sponsors are advised to review all service agreements with providers (e.g., investment advisors, custodians, broker-dealers) to evaluate total plan costs.

Small business 401(k) retirement services

Our retirement planning consultant 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.

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

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

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