401(k) Pricing

Affordable Flat-fee 401(k) Plans for Small Businesses

Reduce your 401(k) plan costs with a leading provider. No AUM fees, no surprises, just smarter retirement planning.

Calculate Your 401(k) Cost Savings

Group Plans

Solo Plans

Saver(k)®

An affordable 401(k) with pre-designed features that simplify setup and costs.

Starting at

$97

per month*

+$6/mo per eligible employee

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Defining Features

Expert-designed 401(k) plan for ready-to-go deployment
Automatic enrollment and auto-escalation to increase participation

*Plus a one-time $495 setup fee for new customers

Custom(k)®

A customizable 401(k) for growing small businesses that need control, flexibility, and expert support.

Starting at

$177

per month*

+$6/mo per eligible employee

Get Started

Defining Features

Free design assistance from a retirement plan consultant
Fully customizable options for incentivizing key employees
Optional Safe Harbor 401(k) plan to reduce IRS nondiscrimination testing requirements

*Plus a one-time $495 setup fee for new customers

Compare plan features

Group Plans

Solo Plans

Saver(k)®

$97

/ month

Custom(k)®

$177

/ month

Popular

Reserve(k)®

$257

/ month

Single(k)®

$19

/ month

Single(k) Plus®

$37.50

/ month

Popular

Saver(k)®️

$97

/ month

Custom(k)®️

$177

/ month

Reserve(k)®️

$257

/ month

Flat-fee 401(k) pricing with $0 asset-based (AUM) fees

With flat fees, your costs stay predictable as your assets grow, helping you save more than percentage-based fees that increase with your balance.

High quality customer support

Each plan has a dedicated onboarding specialist and support team so you’re set up for success from day 1.

Employees can save immediately

You and your team can start working towards a bright financial future from the day the plan launches.

Automatic enrollment

Your team members are enrolled automatically to build good savings habits unless they opt out.

Pre-tax contributions

Your team can reduce their income today with pre-tax contributions.

Roth (post-tax) contributions

Employees can save more for retirement with tax-free withdrawals at retirement, with additional rules that apply to those 50+.

Participant loans

Participants can have peace of mind knowing they can borrow a portion of their retirement account balance and pay it back to themselves without jeopardizing their future.

Expert 401(k) plan design for seamless setup and deployment

Our dedicated team of professionals will help you customize a plan to your needs.

Customizable plan provisions for incentivizing employees

Award employees with customized plan features to encourage participation while enhancing retention and job satisfaction.

Access to a broad range of 401(k) investment options

If you prefer to customize your fund lineup instead of choosing from a pre-selected list, we offer options from Vanguard, Schwab, Fidelity, and more.

3(16) fiduciary services for compliance and administration

As a 3(16) fiduciary, we take on your day-to-day plan management so you don’t have to. These services include approving distribution and loan requests, preparing and signing Form 5500 and 8955-SSA, notices, plan disclosures, and more.

SECURE 2.0 tax credit filing assistance

We help small businesses simplify how they claim valuable tax credits under SECURE 2.0 and other incentives, and maximize savings. This includes support with IRS Form 8881 reporting for startup, auto-enrollment, and employer contribution credits.

Form 5500 filing and 401(k) audit support

Annual Form 5500 audits are made easy by us preparing the documentation auditors need up front. This includes complete audit-ready packets (financials, compliance testing, and supporting schedules) – all at no extra cost.

Up to three plan amendments annually free of charge

If you need to make design changes to your retirement plan, we can help without costly repercussions up to three times a year!

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

Protects you and your team’s retirement assets in the event of malicious and dishonest management abuse and mismanagement of your business’ retirement plan.

Add-on features

Safe Harbor Contributions

Satisfy nondiscrimination testing requirements and help employees boost their savings with Safe Harbor contributions.

New Comparability profit-sharing

Employers can be more strategic and personalize contributions as they allocate them to different groups of employees.

Management and guidance with CensiblyYours® Index Portfolios

Offload the risk and responsibility of portfolio management by offering Ubiquity’s low-cost CensiblyYours Index Portfolios powered by Kaye Capital Management, a 3(38) investment fiduciary.

Flexible eligibility requirements

Manage access to your retirement plan with significantly more flexible eligibility criteria.

Flexible vesting schedule for employer contributions

Choose your vesting schedule (immediate or after a certain amount of service) for employee vesting in company contributions.

Single(k)®️

$19

/ month

Single(k) Plus®️

$37.50

/ month

Flat-fee solo 401(k) pricing with $0 asset-based (AUM) fees

You get a simple, straightforward pricing structure with our flat-fee approach. You’re in the know 24/7/365.

Pre-tax contributions

Potentially reduce your taxable income today with pre-tax contributions.

Roth (post-tax) contributions

Benefit from tax-free withdrawals at retirement. Additional contribution rules apply for those 50+.

Participant loans

Participants can have peace of mind knowing they can borrow a portion of their retirement account balance and pay it back to themselves without jeopardizing their future.

High-quality customer support

Each plan has a dedicated onboarding specialist so you’re set up for success from day 1 and a support team for ongoing assistance.

401(k) recordkeeping services by Ubiquity

We take on all recordkeeping servicing so you can focus on keeping your business running smoothly.

Access to a broad range of pre-selected investment options

Select from pre-selected fund lists or a full range of stocks, bonds, and other assets that will help you achieve your financial goals.

All-in-one portal for 401(k) plan management

With our advanced platform, all your most important plan information like balance and investments is secure and can be found in one place. You can also make contributions and manage your investments right from your Ubiquity portal.

Manage 401(k) investments with a brokerage or custodian of your choice

With this option, Ubiquity will not handle your recordkeeping needs and you'll be responsible for all your administrative duties and plan management. You will need to open your own custodial/brokerage account with a custodian of your choice.

Add-on features

Mega Backdoor Roth contribution strategy provision

If you were previously ineligible to contribute to a Roth account, this strategy can allow the transfer of some 401(k) contributions to a Roth account like a Roth IRA or Roth 401(k).

401(k) Pricing FAQs

How much does a 401(k) cost for a small business?

The cost of a small business 401(k) varies depending on the plan provider, plan design, and number of employees (or if you’re operating solo). Traditional providers often charge asset-based (AUM) fees that increase as your assets grow, along with investment and administration fees. Providers with flat-fee 401(k) plans offer a more predictable alternative with a single, fixed monthly cost that doesn’t increase with your plan balance. This can make it easier for small businesses to manage costs in the long-term.

What is included in 401(k) plan administration and compliance support?

401(k) plan administration typically includes compliance testing, Form 5500 filing, participant notices, and ongoing plan management to meet ERISA and IRS requirements. Some providers also offer 3(16) fiduciary services, which help alleviate administrative responsibility. These services reduce risk, streamline operations, and keep you compliant year-round.

What type of 401(k) plan is best for a small business?

The best 401(k) plan for a small business depends on your goals, budget, and workforce. Some businesses may prefer simpler, pre-designed plans while others need more flexibility for contributions, eligibility, and advanced plan design. Other plan options like a Safe Harbor 401(k) can also help business owners maximize contributions while avoiding certain testing requirements, while more customizable plans allow for more robust planning strategies.

How long does it take to set up a new 401(k) plan?

Setting up a 401(k) can take anywhere from a few days to a few weeks, depending on your plan provider and plan complexity. To help streamline the process, it’s important for businesses to understand their needs and goals upfront, and to have key paperwork handy.