Ubiquity Retirement + Savings has been an affordable provider of 401(k) plans, designed for small businesses, start-ups, and solopreneurs since 1999.
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Retirement plans are no longer exclusive to big companies in America.
Small business owners can now work with 401(k) providers to create affordable savings plans to attract, retain, and reward workers, not to mention save for their own futures. As a small business 401(k) provider, Ubiquity can help you select the right plan features to fit your needs and help you enjoy the biggest tax savings. Should employers or employees wish to make changes to the plan, add new members to the plan, take out a loan, or rollover other funds into the 401(k), we’re there to assist.
We uniquely understand the challenges faced by our clients and offer a financial savings vehicle that saves time, money, and hassle. Since 1999, we’ve offered our plans for a low flat fee, with NO AUM or per-participant charges that penalize our clients’ success. Our plans are extremely flexible, so business owners get precisely what they need–no more, no less.
Cost is a major factor for small businesses, whether this is the company’s first plan or the business is seeking a more affordable provider. In years past, 401(k) plans were written exclusively for big corporations. Today, there are many more options, but all small business 401(k) plan providers are not created equal. Fees may be charged for Assets Under Management (AUM), Per-Participant, Per-Transaction, or assessed at a Flat rate.
Ideally, a small business will seek a plan provider that:
Ubiquity offers a variety of tiers to suit the needs of small business clients, with individual or group HSAs can be added to the plans as an additional incentive.
Next to dollars and cents, time is the most precious resource for a small business owner. Most employers prefer their plans to operate as seamlessly as possible, without spending countless hours trying to figure out the plan requirements and features.
The best small business 401(k) providers offer plans that:
Auto-enrollment is the gold standard for ease of use. A good 401(k) provider can get participants on board quickly and easily to boost your plan’s participation rate and earn your small business an extra $500 annual tax credit for the first three years of a new plan.
Prepackaged investment portfolios are not always the best fit for employers and employees. The best small business 401(k) plans allow you and your employees the widest choice of investment options, including:
Choose a 401(k) provider that steers you away from funds with heavy commissions, sales loads, or 12b-1 fees. Ideally, small business plans will include:
There is no such thing as a “one-size-fits-all” 401(k) plan. There are six major considerations in plan design: eligibility requirements, compensation excluded, employer contributions, vesting, distributions, and loans.
Here are some questions to ask a 401(k) provider:
Plan design flexibility varies from provider to provider. Businesses will want a plan that can be tailored to their specific business goals, be it the ability to make discretionary contributions, accumulate greater savings, avoid paying taxes in retirement, or access loans borrowed against the 401(k).
The right plan provider will help you gain a competitive advantage in attracting and retaining talent. Financial wellness tools help workers save enough for retirement, ease their anxieties, and improve their workplace productivity as a result.
The best 401(k) plans come with:
When you have questions or concerns about your plan, you need a 401(k) provider who is there with immediate, effective support.
What if profits are down and the employer needs to scale back their offerings mid-year? What if the vesting schedule isn’t retaining staff as well as it could? What if employees aren’t happy with the investment portfolio performance?
In looking for a 401(k) provider, employers can search for employee support that includes: