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Ubiquity 401(k) Pricing vs.
Betterment Pricing

End up with $116,126 more
with Ubiquity

Ubiquity Retirement + Savings® is the only firm ranked #1 401(k) provider on Google with 95% Customer Satisfaction¹. We’ve got your back and we’re going to show you what’s going on behind the 401(k) curtain. The following pricing information compares our plans versus those offered by Betterment — and is what Betterment does not want you to read.

Here’s the deal with Betterment’s pricing plain and simple:

Betterment pricing is 161% higher than Ubiquity Pricing

Fee Type

Ubiquity Flat Fee Pricing

Betterment Confusing Fees

How Much More You Pay with Betterment

Flat fee per month



740% higher fee cost at Betterment

Management Fee



100% higher fee cost at Betterment

Investment Expense Fee



Betterment wins this one

Total Management Expense Ratio



111% higher fee cost at Betterment

After 30 years fee cost



161% higher fee cost at Betterment

Betterment’s pricing eats into your 401(k) balance over time – so that at the end of 20, 30, or 40 years, you have less money than you would have if you were able to avoid this fee.

End up with $116,126 more money with Ubiquity vs. Betterment’s pricing after 30 years

Let’s look at an example:

Jennifer and Joshua each have 401(k)s with a value of $50,000. Jennifer’s plan is with Ubiquity Retirement + Savings and her fees are flat $6/month with an investment expense fee of 0.17%. Joshua’s plan is with Betterment, his fee is $42/month, his management fee is 0.25% and his investment expense fee is 0.11%.

Assuming they don’t contribute another penny to the account, and it grows an average of 10% every year, at the end of 30 years, Jennifer’s Ubiquity account is worth $819,304, with fees of just $15,804.

But Joshua’s Betterment account is only worth $703,178, with fees of $41,354. He’s paying 161% more in fees with Betterment than Jennifer is at Ubiquity! (Wow, they must have some amazing holiday parties at Betterment…)

Ubiquity’s flat fees could help you end up with $116,126 more over 30 years vs. a plan that charges percentage-based fees.

Ubiquity Low Flat Fee vs. Betterment’s Huge Fee Makes a Big Difference

Your bottom line: You’ll end up with $116,126 more with Ubiquity

The answer is clear. Ubiquity offers low, flat fees, much lower than our competitors. You work too hard to be gifting your 401(k) provider with tens or hundreds of thousands of dollars in fees over the life of your 401(k).

How much will you pay for 401(k)? Get an instant quote.

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.

Call Ubiquity at 866-320-8556
to talk with a retirement specialist today.

¹ An evaluation has been conducted by Decimal, Inc. through its research of independent customer reviews on Google, Trustpilot, and the Better Business Bureau as reported by unaffiliated contributors on or before September 30, 2022, with a revaluation date on January 12, 2023, resulting in an updated evaluation, for four similar small-business 401(k) providers in the marketplace.
² These fees are separate and different from investment management fees.

Flat fees are charged by Decimal, Inc. for recordkeeping and administrative services. Third-party service providers may assess asset-based fees to customers. Plan Sponsors are advised to review all service agreements with providers (e.g., investment advisors, custodians, broker-dealers) to evaluate total plan costs.

© 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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