Ubiquity Retirement + Savings has been an affordable provider of 401k plans, designed for small businesses, start-ups, and solopreneurs since 1999.
Customize a retirement plan for your small business in just a few clicks.
How many employees do you have?Just me and/or my business partner/spouse
Though 401k plans were once designed only with large corporations in mind, there are now attractive, low-cost solutions for the small businesses that employ 47.5 percent of American employees.
At Ubiquity, we design small business 401k plans to fit your needs and budget.
Whether you’re a solopreneur or a business owner with 100 or fewer employees, you deserve a fair-priced 401k plan that provides complete transparency, so you know exactly what you’re paying and why. While there are many 401k providers out there, not all are small-business-friendly.
Here are some 401k fees to watch out for:
Flat fees are the most cost-effective model for small businesses looking to start a 401k. You may be charged monthly, quarterly, or annually, but you are not penalized for the size of your account.
At Ubiquity, we charge a consistent, fully transparent flat fee. Each month, you pay the same 401k recordkeeping cost, so you don’t have to worry about pricing escalations or wonder if you’re getting the same rate as others.
It’s always possible to switch your 401k provider if you worry you’re overpaying. If you currently have a 401k:
A 401k plan provider will help you structure your 401k offerings and answer some key questions, such as:
A plan provider will help you remain both competitive and compliant with the IRS. Once the initial plan has been designed, we’ll:
While large corporations may perform these functions in-house, nearly all small businesses enlist the help of a third-party administrator like Ubiquity to ease the burden.
In addition to paying a 401k provider for administration, you will likely want to select a broker who can help with investment choices and money management. Some administrators may have specific brokers they want you to use, but that is another way you could get locked into paying more. What if the broker charges a barrage of fees for services you neither want nor need?
At Ubiquity, you can choose whichever broker you prefer. While major brokerages may offer free plans, the offerings are limited compared to the fully custom plans and customer service you get from our professionals.