Meet the Needs and Budget of Your Small Business
For businesses with no full-time employees except the owner/spouse/partner (up to 2 total).
For businesses with no-full time employees except owner/spouse/partner (up to 4 total) who prefer pre-selected investment options.
Expert-picked plan provisions in one easy-to-manage package.
Plans start as low as $96.50/month
There has never been a better time to open a 401(k) for your small business. Legislation signed in December of 2022 paved the way for business owners to more easily start a new retirement plan to help themselves and their employees save for their future. And when you combine the new law’s benefits with an affordable, flat-fee plan* from Ubiquity, you and your employees win.
See if you qualify for up to $16,500 with our calculator.
Learn about Secure 2.0 here.
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
Our team is ready to show you how easy saving can be.
Call us toll-free at 866.974.9808 or reserve a time that’s convenient for you.
Provider Ubiquity 4.3/5* 4.6/5 4.5/5
We believe 401(k) pricing shouldn’t be complicated. Each Ubiquity plan is designed to give you precisely what you need at a clear, low cost–without any bloated fees or useless extras you’ll never want.
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 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.
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.
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.
Ubiquity was the first 401(k) plan provider in the industry to offer flat fee pricing–and our pricing is among the lowest available. No matter how big your plan assets get, you’ll pay the same low fee.
Simple, flat fees Yes No Charges assets under management fees No Yes
(the larger your 401(k), the more you pay)
Simple, flat fees
Charges assets under management fees
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.
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.
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.
Ubiquity has focused solely on small business’ retirement success since 1999. If you have questions, we work hard to get you answers, and our longevity speaks to our dedication to our customers.
* 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.
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.