Simple, low-cost, full-scale – our flexible Solo 401(k) plans allow self-employed individuals to maximize their retirement savings and still enjoy the same advantages of a big business plan.
Our Solo 401(k) plans provide a great alternative opportunity for self-employed individuals and small business owners who don’t have common law employees.
Our team of experts will help you get set up, ensuring you have exactly what you need for your business right from the start.
Whether you need a simple setup and maintenance process or full-scale customization options without the big-box prices, Ubiquity’s plans are here to meet you where you are.
A flexible solo 401(k) plan for businesses that have no other full-time employees besides the owner and their spouse or business partner.
A record-kept solo 401(k) plan with the choice of pre-selected or customizable investment options.
A Solo 401(k) – also known as an individual 401(k) or one-participant 401(k) – is a retirement plan option designed specifically for self-employed individuals or solopreneurs. With this type of plan, you can contribute as both employer and employee for more tax savings.
Solo 401(k)s are known for being more cost-effective. Specifically, at Ubiquity, our Solo(k) plan boasts a flat fee approach, meaning no percentage-based costs and no surprises.
In 2025, small business owners can contribute up to $23,500 as the employee ($31,000 if 50+) and add up to 25% of your compensation as the employer. This brings the total to $66,000, or $73,500 with Catch-up Contributions. The deadline to set up the plan is December 31, and the deadline to make employer contributions is the tax filing deadline, including extensions.
A Solo 401(k) differs from a SEP IRA plan primarily with its features. On the Solo plan side, these 401(k)s will usually include higher contribution limits, loan and Roth options, employee deferrals, and more, while SEP IRAs don’t. But with these features, a Solo 401(k) will slightly differ in its complexity level.
If you’re a self-employed individual that wants to boost your retirement savings faster, a Solo 401(k) offers powerful features like higher contribution limits, flexible customizability, broad investment options and tax advantage, and more.
“It was easier than I expected, and with her help I am making smarter choices for my future! Great customer service!”
"I am not a 401(k) expert and the team at Ubiquity I work with has been patient, kind and are willing to help me obtain the knowledge I need to grow in my career.”
"I have had a Single(K) with Ubiquity since 2016. Every time I work with their Customer Service team, I always get outstanding, knowledgeable representatives who truly want to help me.”
“Couldn’t be happier. I’ve been with Ubiquity Retirement since 2012 and find the online portal very easy to use.”
Our solo 401(k)s meet small business owners where they are without extra complexities or compliance challenges. You get the same retirement incentives as big businesses, but with more flexibility, simplicity, and better cost savings.
We offer Single(k)®️ and Single(k) Plus®️. Both are designed to provide self-employed business owners and their spouses with the ability to meet their retirement goals with major features like higher contributions, streamlined administration, recordkeeping services, and potential tax savings. The best part is as your business grows and you get employees, your plan can be easily upgraded to our full-service plans.
Both plans combine the convenience of 401(k) payroll deductions with the flexibility of a profit-sharing plan. With either, you can set aside pre-tax or Roth (post-tax) money and make a profit-sharing contribution. You won’t pay taxes on your pre-tax savings or their earnings until you withdraw the money at retirement.
In addition to owners and partners, spouses (who work for your business) are eligible to participate in your retirement plan.
With both, you have access to:
Both plans differ in terms of investment options and more, but our dedicated team can walk you through a plan comparison.
Answer a few questions to see which plan is right for you. If you’d rather speak to our team first, schedule a free consultation with us. Our team will gladly walk you through our offerings and answer any questions or concerns before you officially sign up.
Have questions? Talk to a Consultant
