Why Replace Your 401(k) Provider?

Ubiquity Retirement + Savings has been an affordable provider of streamlined retirement solutions designed for small businesses since 1999.

  • Streamlined, flat-fee plans starting at $97/month
  • Easy online setup and management
  • Flexible investment options
Looking for a 401(k) for your team?

Customize a simple, affordable retirement plan for your small business in just a few clicks.

5 reasons you may want to replace your 401(k) provider before the end of the year:

  • Lower your 401(k) plan cost

  • Fit your business needs

  • Benefit employees

  • Gain better investment options

  • Achieve more responsive communication

If you’re not satisfied with your current provider’s performance, don’t delay in exploring more advantageous options. Switching to low-cost Ubiquity small business 401(k) plans is easier than you think!

Replace your 401(k) provider if you’re overpaying.

Most small business plans are overcharged for investments and underpaid in terms of employee engagement. A 401(k) provider can charge clients in a variety of ways. Fees for Assets Under Management coupled with per-person charges can really eat away at a company’s 401(k) profits.

Ubiquity’s transparent monthly flat fee doesn’t penalize you for having a successful or large plan.

Replace your 401(k) provider if your business needs aren’t being met.

Small-to-medium-sized businesses often require more hands-on help than a typical 401(k) provider is willing to give. The provider may not specialize in the different types of 401(k) you need — like Roth or Safe Harbors. A 401(k) provider may lack the resources to support your business filing requirements, deadlines, and employee engagement. That’s why it’s important to partner with a company like Ubiquity, which caters exclusively to SMB clientele.

Replace your 401(k) provider for the employee advantages.

Simply offering a 401(k) plan does not always result in immediate participation. The best 401(k) providers will set you up with auto-enrollment to ensure everyone benefits. Effective enrollment also ensures you get extra tax credits for the first three years of a new plan AND pass your annual nondiscrimination tests.

Ubiquity helps employees feel financially prepared for retirement, understand their benefits, and have access to a plan advisor one-on-one if necessary.

Replace your 401(k) provider if your investment options are too limited.

Some 401(k) plan administrators demand that you choose investments through their third-party provider. Sometimes this is good, and you are placed in perfectly capable hands. Other times, you may find the provider doesn’t offer what you and your employees want or need.

Ubiquity allows clients the ability to work with any investment manager of their choosing, freeing you to invest wherever and however you want. The best providers look beyond Morningstar ratings to provide a rationale for making changes. They take on fiduciary responsibility for their management, accommodate a wide range of investment styles based on risk, and provide investing educational tools to plan members.

Replace your 401(k) provider for more responsive communication.

The best 401(k) plan providers are there to answer your questions and calls. You know you can rely on them to take care of paperwork, send timely reminders, and explain any IRS changes affecting your plan.

Ubiquity is dedicated to helping you manage a successful retirement plan without high fees or impersonal chatbots. Call us to discuss your needs, and we’ll ensure a seamless transition.

Ready to get started?

If you are a small business owner and need a retirement plan for yourself and your company, only Ubiquity offers flat-fee plans, plus expert guidance along the way.

We will fully customize your plan to meet the specific needs of your small business.

Check out our cost-effective plan solutions

Setting up a 401(k) can be complicated. Only Ubiquity gives small business owners access to retirement experts in addition to industry-leading low flat-fees. Each sales expert has over a decade of experience assisting business owners in 401(k) plan design. Take advantage of this free benefit.

We've got experts available by phone or email
Ready to start offering a retirement plan for your employees?
Get Started

© 2023 Ubiquity Retirement + Savings
Privacy Policy
Do not sell my info
44 Montgomery Street, Suite 300
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 300
San Francisco, CA 94104
Support: 855.401.4357

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