Hurry, before prices go up! Trust the only small business 401(k) provider ranked #1 in Google reviews.
Call toll-free 866.902.5030 or schedule a free consultation with a retirement specialist.
If you are reading this page, you are probably one of thousands of Colorado small business owners researching the best retirement option for your business and your employees before the upcoming deadline.
Starting in 2023, Colorado small business owners will have a choice to sign up for the one-size-fits-all, state-provided Individual Retirement Account (IRA) or select an eligible retirement plan with a private provider. When making a choice between an IRA and a private 401(k), you need to be aware of the key differences between those two products:
(*Up to $5,000 per year, plus an additional $500 per year for automatic enrollment for the first 3 years)
Call Ubiquity at 866.902.5030 to get a better plan set up today.
Or schedule a free consultation with a retirement specialist.
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 Colorado’s state plan, you’ll pay 300% more in fees over 30 years. The better 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 SecureSavings and his annual asset based % fee is 0.75%.
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 $1,064,814, with fees of $27,692. Ubiquity’s flat fees could help you end up with over $23,621 more money over 30 years vs. CO SecureSavings IRA.
You can either choose the state plan with limited options or you can choose the better plan, the one thousands of your fellow Colorado small business owners have chosen: the Ubiquity 401(k).
Call us at 866.902.5030 to enroll today.
If you want to be able to:
The choice is clear: the Ubiquity 401(k) plan. 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. Available to eligible employers who have less than 100 employees who received at least $5,000 in compensation in the previous year, had at least one participant who was a non-highly compensated employee, and in the last 3 years did not contribute to a benefit plan for your employees through a plan sponsored by you or a member of a controlled group that includes you.
Employer Size
Registration Deadline
5–15 employees
—DEADLINE APPROACHING!—
November 1, 2023
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 SecureSavings and his annual asset based % fee is 0.75%. 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 $1,064,814, with fees of $27,692. Ubiquity’s flat fees could help you end up with over $23,621 more money over 30 years vs. CO SecureSavings IRA.
2 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.
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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44 Montgomery Street, Suite 300
San Francisco, CA 94104
Support: 855.401.4357
© 2023 Ubiquity Retirement + Savings
Privacy Policy
Do not sell my info
44 Montgomery Street, Suite 300
San Francisco, CA 94104
Support: 855.401.4357