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Do Better​ than MyCTSavings plan with a Ubiquity Small Business 401(k)

A Ubiquity Small Business 401(k) enables:

  • Flat Fee Structure (Potentially end up with more than $7,388 with us over 30 years)¹
  • Plug-n-Play Payroll Integration
  • 30k Mutual Funds + ETFs + ERISA 3(38) Plans
  • Best in Class Compliance Support
  • Live Customer Support
23+ years of expertise pioneering 401(k)s

Trust the only small business 401(k) provider ranked #1 in Google reviews².


Call toll-free 866-545-9596
or schedule a free consultation
with a retirement specialist.

Top Reasons a Ubiquity 401(k) Beats the CT State Plan

  1. Ubiquity 401(k) 100% complies with the CT state mandate requirements
  2. Ubiquity 401(k) could help save more in personal and business taxes than CT state plan while lowering taxable income—additional tax credits are available with us
  3. Ubiquity 401(k)s plug-n-play payroll integration saves time and prevents stress by integrating payroll and automating plan administration
  4. Flat fee structure

​You can either choose the state plan with limited options or you can choose the better plan, the one thousands of your fellow small business owners have chosen: the Ubiquity 401(k). ​

Call toll-free 866-545-9596 to enroll today.

Ubiquity is the #1 Ranked 401(k) Provider – Highest Customer Satisfaction in the Industry²

Provider

google logo

trustpilot logo

Better Business Bureau logo

Ubiquity

4.3/51

4.7/5

4.5/5

Potentially End Up With Over $7,388 More Money With a Ubiquity 401(k)¹

It’s hard to believe, but it’s true. Ubiquity has only flat fees that don’t cost you more as your retirement savings grow. But with CT’s state plan,your fee will get bigger and bigger as your retirementbalance grows over the years. Over 30 years you could end up with over $7,388 more money with us vs using the CT state plan¹. Thebetter plan is clear – the Ubiquity 401(k)!

Let’s look at the following example:
Jennifer and Joshua each have retirement plans that they contribute $6,000 to every year. Jennifer’s plan is with Ubiquity Retirement + Savings and her fees are flat $5/month. Joshua’s plan is with MyCTSavings and his annual asset based % fee is 0.22% plus $26/year.

It grows an average of 10% every year. At the end of 30 years Jennifer’s account is worth $1,088,436, with fees of $16,146 with her Ubiquity 401(k).

Joshua’s account is only worth $1,081,048 with fees of $21,272. Ubiquity’s flat fees could help you end up with over $7,388 more money over 30 years vs. CT State IRA¹.

Get a Fast, No-Obligation Quote Today

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How many employees do you have?
I am a sole proprietor
(just me/or my business partner/spouse)

Or schedule a free consultation with a retirement specialist.

Why CT Small Businesses Choose the Ubiquity 401(k)

 

  • Potentially end up with more than $161,385 more money with us over 30 years¹
  • Trust your retirement to the #1 ranked 401(k) provider to small businesses on Google reviews²

The choice is clear: the Ubiquity 401(k). See below for even more reasons.

State Plan

Ubiquity 401(k)

Maximum employee annual contribution amount

$6,000

$22,500¹

Additional annual employer contribution limit

Not offered

Yes, up to an additional $43,500¹

Flat fees that don’t increase with your account balance

No, asset-based fees

Yes, flat fees

$15,000 credit to offset setup costs2

No

Yes

Flexible auto-enrollment and vesting schedules

No

Yes

Investment guidance based on individual risk tolerance

No

Yes

Employee enrollment meetings and education

No

Yes

Auto-enrollment and escalation

Required at mandated levels

Optional and flexible

Customizable investment lineups

No

Yes

1.  This limit is subject to cost-of-living increases for later years (for prior years, refer to this cost-of-living adjustment table.)
2. Eligible employers may be able to claim a tax credit of up to $5,000, for three years, for ordinary and necessary costs of starting a 401(k) plan. IRS’ qualifying factors are: you had 100 or fewer employees who received at least $5,000 in compensation from you in the preceding year, you had at least one participant who was a non-highly compensated employee (NHCE) and in the three tax years before the first year you’re eligible for the credit, your employees were substantially the same employees who received contributions or accrued benefits in another plan sponsored by you, a member of a controlled group that includes you, or a predecessor of either. Those plans with automatic enrollment can claim a tax credit of $500 per year for a 3 year taxable period.

Choose a Better Path to Savings

maximum savings contribution UbiquityStart your Ubiquity 401(k) today.

Call toll-free 855-912-6904.

¹ 1 This calculation assumes the following scenario: Jennifer and Joshua each have retirement plans that they contribute $6,000 to every year. Jennifer’s plan is with Ubiquity Retirement + Savings and her fees are flat $5/month. Joshua’s plan is with Oregon Saves and his annual asset based % fee is 0.25% plus $6/year.It grows an average of 10% every year. At the end of 30 years Jennifer’s account is worth $1,088,436, with fees of $16,146 with her Ubiquity 401(k). Joshua’s account is only worth $1,081,048 with fees of $21,272. Ubiquity’s flat fees could help you end up with over $7,388 more money over 30 years vs. CT State IRA¹.

² 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.

³ This percentage is based on surveys sent by Ubiquity Retirement + Savings and completed by clients of Ubiquity Retirement + Savings using specific product types.

© 2023 Ubiquity Retirement + Savings
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Do not sell my info
44 Montgomery Street, Suite 3060
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 3060
San Francisco, CA 94104
Support: 855.401.4357

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